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How much is car insurance in Saint Paul?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $14 a month more expensive to insure your vehicle in Saint Paul than it is in the rest of Minnesota.
Likewise, Saint Paul residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $31 more expensive than the national average to insure your vehicle in Saint Paul.
Keep in mind that these are the average auto insurance rates for Saint Paul, and that the rate you get could end up being something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Saint Paul residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Saint Paul may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for car insurance, Saint Paul actually defies this trend. While female drivers pay $116 per month for insurance coverage, males only pay about $106.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records can expect to pay less than those with accidents or violations. The rate for drivers in Saint Paul with a single accident on their record is about $119 a month. In addition, drivers with a single ticket on their record can expect to pay around $143 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$136|
|15 Years or Older||$110|
The most affordable vehicles to insure in Saint Paul are by and large trucks and vans, which run about $98 per month.
SUV drivers will see rates of about $103, while the rates for car owners average out to about $115 a month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. In Saint Paul, for example, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$116|
Generally speaking, married policyholders will pay slightly less for car insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Saint Paul as well, where the difference is around $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$133|
Another factor taken into consideration is your housing status. If you rent your home or apartment in Saint Paul, expect to pay around $12 a month more than if you own property. But if you live with your parents, you can expect to pay a lot 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 average premiums.
Car Insurance Companies in Saint Paul, MN
Recent trends in car insurance for Saint Paul drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The rates for auto insurance in Saint Paul rose from 2016-2017, when they hit a high of $146, but started to turn downward from 2018-2019. They finished down in 2021, at $100 per month.
How does Saint Paul compare to neighboring areas?
Why are car insurance rates in Saint Paul different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Road Safety (frequency of local car accidents)
- Area laws
- Off-street parking accessibility
- Crime rates
- Amount of drivers in the region
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. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Saint Paul?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Saint Paul.
Saint Paul Insurance FAQs
What factors affect car insurance quotes in Saint Paul?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Saint Paul different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Saint Paul?
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 Paul?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Saint Paul or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?