Table of contents
How much is car insurance in Saint Cloud?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $5 a month more expensive to insure your vehicle in Saint Cloud than it is in the rest of Minnesota.
Compared to the national average cost of auto coverage, Saint Cloud has higher rates. The average monthly payment in Saint Cloud is about $22 more expensive than the rate for the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in Saint Cloud, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
We've analyzed the average rate for Saint Cloud and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Saint Cloud drivers may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This rings true in Saint Cloud, where women pay around $5 less per month than men. Based on the chart above, you can see that female drivers pay around $99 on average, while male drivers typically pay $104 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Saint Cloud with a single accident on their record will usually see rates around $113 a month. Likewise, drivers with one ticket will be looking at a rate of around $112 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$106|
The most affordable vehicles to insure in Saint Cloud are typically trucks and vans, which run about $84 per month.
SUV drivers will see rates of about $86 for auto insurance coverage, while car owners usually pay around $110 a month.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Saint Cloud are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$106|
The difference in rates based on relationship status in Saint Cloud is about $27 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$85|
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $31 a month more than drivers who own property in Saint Cloud. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Saint Cloud, MN
Recent trends in car insurance for Saint Cloud drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
Auto insurance rates in Saint Cloud have been mixed as of late. They did, however, decrease from $104 in 2019 to $85 in 2021.
How does Saint Cloud compare to neighboring areas?
Why are car insurance rates in Saint Cloud different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Regional laws
- Off-street parking availability
- Crime rates
- Frequency of car accidents
- Total drivers
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Saint Cloud?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Saint Cloud.
Saint Cloud Insurance FAQs
What factors affect car insurance quotes in Saint Cloud?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Saint Cloud different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Saint Cloud?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Saint Cloud?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Saint Cloud or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?