Saint Cloud, MN Car Insurance

Drivers in Saint Cloud pay around $98 a month for their car insurance. To find out more check out our guide below.
Are rates in Saint Cloud higher or lower than those in neighboring areas? How do they compare to the rest of Minnesota? What rates can residents of Saint Cloud expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Saint Cloud?

Area Average Monthly Car Insurance Premium
Saint Cloud$98
MN$96
United States$81

Looking at the chart above, you can see that the average monthly price is about the same in Saint Cloud as it is in the rest of Minnesota.

If you're considering relocating to Saint Cloud from out of state, you may want to budget a little extra for your insurance. The cost of insuring a vehicle in Saint Cloud is about $17 more expensive than the average rate for the rest of the U.S.

These may be the average auto insurance rates for Saint Cloud, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

We've done the heavy lifting for you and broken down the average rate for Saint Cloud so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$132
25-34$91
35-44$90
45-54Not Enough Data
55-64$82
65+$74

It would make sense that older drivers have more driving experience, right? That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may begin to increase again in Saint Cloud.

Average Car Insurance Rates by Gender

Gender Average
Male$97
Female$100

Female drivers pay, on average, slightly less than their male counterparts. While male drivers actually pay a little bit less than female drivers on their monthly insurance rates, the difference in Saint Cloud is only about $3 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$106
Multiple Accidents$169
1 Ticket$110
Multiple Tickets$135

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 $106 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $110.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$54
2-3 Years$123
4-5 Years$62
6-7 Years$97
8-10 Years$110
11-14 Years$89
15 Years or Older$100

In terms of affordable coverage, the cheapest vehicles to insure in Saint Cloud are usually trucks and vans, at $88 per month.

SUV drivers will see rates of about $92 to insure their vehicle, while car owners typically pay around $102 a month.

You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is about 5 years old. In Saint Cloud, vehicles two-to -three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$103
Married$70
Divorced$77
Widowed$40

More often than not, married policyholders will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. Saint Cloud follows that pattern, with the difference totaling to around $33 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$72
Rent$97
Live with parents$92

One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $25 a month more than drivers who own property in Saint Cloud. But those who live at home with their parents can expect to pay significantly more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.

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 choosing when and where to shop.

Auto insurance rates in Saint Cloud went up from 2017-2018, before taking a downward turn from 2019-2021. They finished up in 2022 at $93.

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 coverage, car insurance companies will review numerous factors. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Community laws
  • Road safety
  • Access to off-street parking
  • Amount of drivers in the region
  • Prevalence of crime

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Saint Cloud?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Luckily, Compare.com has you covered. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Saint Cloud in no time.

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Saint Cloud Insurance FAQs

What factors affect car insurance quotes in Saint Cloud?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Saint Cloud different from other neighboring cities?

Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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 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?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Saint Cloud or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes