The Cheapest Auto Insurance Companies in St. Paul, Minnesota, in 2025

St. Paul drivers can find the cheapest auto insurance with Safeco, but your personal rate can be higher or lower due to factors such as your age, driving history, and address.

Secure. Free. Easy-to-use.
Excellent
Been here before? Get your quotes back.
State farm LogoProgressive LogoAllstate LogoLiberty Mutual LogoFarmers LogoThe General Logo+120 more
Lequita Westbrooks
Lequita WestbrooksSenior Editor

Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.

John Leach
Reviewed byJohn Leach
John Leach
John LeachLicensed Insurance Agent

John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).

He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.

Updated

Why You Can Trust Compare.com: At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Advertiser Disclosure

At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.

While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.

On average, car insurance in St. Paul runs around $177 per month. Factors such as Minnesota’s higher minimum auto insurance requirements and extreme weather contribute to the city’s higher-than-average rates.[1]

Still, you can find insurers with rates well below the citywide average. In fact, Safeco, National General, and Direct Auto lead the pack with the lowest liability premiums.

In the article below, we break down the cheapest insurers in St. Paul for different driver profiles, how to pick the right policy, and how to save on your next renewal.

Key Takeaways
  • Safeco offers the lowest average liability-only rate, at $86 per month.

  • Liability sits at $129 per month, while full coverage averages $225 per month.

  • Minnesota law requires drivers to have a minimum amount of bodily injury liability, property damage liability, personal injury protection, and uninsured/underinsured motorist coverage.[2]

The Cheapest Car Insurance Companies in St. Paul, Minnesota

Even though the citywide average costs $177 per month, you can still uncover substantial savings by shopping around.

The table below highlights the cheapest insurance companies in St. Paul, according to Compare.com data.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT
Company
sort ascsort desc
Average Monthly Premium
sort ascsort desc
Safeco$86
National General$91
Direct Auto$113
Progressive$117
Liberty Mutual$160
Bristol West$169
The General$197
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Safeco offers the lowest auto insurance rates in St. Paul, at $86 per month. Keep reading to see which insurers offer the best deals for different driver types and coverage needs.

Cheapest Car Insurance in St. Paul by Driver and Coverage Type

You can start with the insurers we mentioned above, but it’s important to keep in mind that premiums vary from driver to driver. Personal factors like your age, driving record, credit history, and ZIP code all affect how much you pay, so it pays to compare quotes tailored to your profile.

Below, you’ll find the cheapest insurance companies for St. Paul drivers with different backgrounds and coverage needs.

Driver/Coverage Type
sort ascsort desc
Cheapest Insurer
sort ascsort desc
Insurer’s Average Monthly Premium
sort ascsort desc
State-minimum coverageSafeco$86
Full coverageSafeco$153
TeensSafeco$185
SeniorsNational General$67
Drivers with a speeding ticketSafeco$108
Drivers with an at-fault accidentNational General$113
Drivers with a DUISafeco$137
Drivers with excellent creditSafeco$75
Drivers with poor creditSafeco$104
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Next, we break down each category in more detail to help you find the best fit.

Find the Best Company for You

Policies in St. Paul start as low as $86 per month.

Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
Shopper Approved
ProgressiveLiberty MutualAllstate
  • Drivers in St. Paul pay an average of $129 per month for state-minimum coverage. Experts recommend buying extra protection to cover vehicle damage and injuries that can easily exceed your insurance limits if you get into a serious accident.[3]

    Still, some St. Paul drivers may need only basic coverage. Here are the five cheapest insurers in St. Paul for state-minimum coverage, according to Compare.com data.

    Average Liability Rates by Company

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Most drivers benefit from full-coverage insurance since it covers you and your vehicle. Full coverage typically includes collision and comprehensive in addition to your liability policy. It pays for your injuries and vehicle damage after crashes and non-collision events, like hail or theft. If you lease or finance your car, your lender will likely require full coverage.[4]

    St. Paul full-coverage rates average $225 per month, but several insurers offer rates close to what a liability policy costs. The chart below shows the five cheapest insurers in St. Paul for full coverage.

    Average Full-Coverage Rates by Company

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Teen drivers pay some of the highest auto insurance premiums because they have less experience behind the wheel, and insurers view them as a higher risk. In fact, teens’ average insurance cost is nearly twice the rate of drivers over age 20 nationwide.

    St. Paul teens pay an average monthly rate of $364, but it’s possible to lock in a better price if you ask about discounts and get multiple insurance quotes from different companies.

    Check out the chart below to see the five cheapest insurers in St. Paul for teen drivers, according to Compare.com data.

    Average Rates for Teens

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Senior drivers often enjoy some of the lowest premiums thanks to decades of driving experience and lower risk profiles. Older drivers tend to drive less and get into fewer accidents, though accidents rates start to increase again for drivers 70 and older.[5]

    St. Paul seniors pay about $139 per month on average. But seniors in Minnesota can lower their rates with a mature driver discount and by switching to a new insurer.

    Take a look at the chart below for the five cheapest insurers in St. Paul for senior drivers, according to Compare.com data.

    Average Rates for Seniors

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • A single speeding ticket can bump up your premiums since insurers see it as a sign of risky behavior. After just one ticket, rates increase by about 37%, according to our data.

    St. Paul drivers with a recent ticket pay around $218 per month on average, but several insurers offer lower rates.

    The chart below lists the five cheapest insurers in St. Paul for drivers with a ticket, according to Compare.com data.

    Average Rates With a Ticket

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • At-fault accidents will raise your rates even more than a ticket because they show insurers that you not only practice risky driving behaviors but are also more likely to file a claim in the future.[6]

    In 2021, St. Paul had some of the highest at-fault accident rates in the U.S. St. Paul drivers with a recent at-fault accident pay an average of $219 per month for car insurance.

    Causing an accident raises rates by about 41% nationwide, according to our research. Fortunately, some insurers offer coverage for less. Here are the five cheapest insurers in St. Paul for drivers with a recent accident, according to Compare.com data.

    Average Rates With an Accident

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Driving while impaired (DWI) is a serious offense that puts you and others at risk. A DWI conviction can lead to jail time, driver’s license loss, and an increase in your insurance premium more than any other driving infraction.

    Nationwide rates increase by an average of 61% after a DWI, and some insurers may even decline coverage to high-risk drivers.[7] In St. Paul, drivers with a recent DWI pay an average of $285 per month, but you can still find several insurers offering more affordable rates.

    Start with the five insurers highlighted in the chart below to lock in a cheaper rate in St. Paul after a DWI, according to our data.

    Average Rates With a DWI

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Some insurers use your credit history to gauge risk by calculating a credit-based insurance score (not the same as your credit score). Insurers consider factors such as your payment history, credit mix, and outstanding debt. The score affects your rates because it helps insurers predict your likelihood of filing claims.[8]

    Our research found that drivers with poor credit typically pay about 20% more for auto insurance nationwide than drivers with excellent credit. In St. Paul, these drivers pay an average of $214 per month.

    Check out the following insurers if you have less-than-perfect credit in St. Paul, according to Compare.com data.

    Average Rates With Bad Credit

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Get Cheaper Rates in Minutes

Compare personalized quotes from St. Paul’s top insurers.

Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Minnesota Auto Insurance Requirements

Grand building with a dome, flanked by statues, under a clear blue sky with a few clouds. Steps lead up to the entrance.

Like most states, Minnesota requires drivers to maintain auto insurance that meets certain minimums to legally drive. But Minnesota is a no-fault state with additional coverage requirements. Your policy must include:

Is minimum coverage enough in St. Paul?

While Minnesota state law requires only the policy limits mentioned above, buying more than the state minimum helps protect your assets if you cause a serious crash. Lenders and leasing companies also require collision and comprehensive coverage if you finance or lease your car.

Imagine facing $100,000 in medical and repair bills after a collision. Having just the minimum limits would leave you on the hook for tens of thousands of dollars.

St. Paul Auto Insurance FAQs

Here are answers to some of the most common questions about car insurance in St. Paul, Minnesota, to help you get the best coverage and pricing.

  • How much is car insurance in St. Paul?

    Car insurance in St. Paul costs an average of $177 per month, according to our research. St. Paul drivers pay $129 per month for liability-only coverage and $225 for full coverage.

  • Is car insurance in St. Paul expensive?

    Yes, St. Paul car insurance is expensive. The citywide average rate is $177 per month, compared with the national average of $150. But keep in mind, your exact rates depend on your address, age, driving history, and other factors.

  • What’s the cheapest auto insurance company in St. Paul?

    Safeco offers the lowest average liability-only rate, at $86 per month, according to our data. But that doesn’t mean it’ll be the cheapest company for you. Always shop around and compare rates before purchasing a policy.

Disclaimer

Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.

We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.

Methodology

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Sources

  1. Mn.gov. "Trend: Homeowner and Auto Insurance Rates Rising."
  2. Mn.gov. "Radware Page."
  3. III. "What is covered by a basic auto insurance policy?."
  4. Naic.org. "What You Should Know About Auto Insurance Coverage."
  5. Iihs.org. "Older drivers."
  6. III. "Do auto insurance premiums go up after a claim?."
  7. III. "What if I can't find auto coverage?."
  8. Naic.org. "Credit-Based Insurance Scores Aren’t the Same as a Credit Score. Understand How Credit and Other Factors Determine Your Premiums."
About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles