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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.
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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.
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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 $169 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, State Farm, Auto-Owners, and Safeco 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.
State Farm offers the lowest average liability-only rate, at $74 per month.
Liability sits at $125 per month, while full coverage averages $212 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]
Even though the citywide average costs $169 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.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $74 |
| Auto-Owners | $85 |
| Safeco | $86 |
| USAA | $89 |
| National General | $93 |
| American Family | $106 |
| Chubb | $107 |
| Direct Auto | $117 |
| Progressive | $124 |
| GEICO | $134 |
| Nationwide | $139 |
| Dairyland | $152 |
| Travelers | $152 |
| Allstate | $154 |
| Liberty Mutual | $156 |
| The General | $169 |
| Bristol West | $170 |
| COUNTRY Financial | $195 |
| Farmers | $214 |
State Farm offers the lowest auto insurance rates in St. Paul, at $74 per month. Keep reading to see which insurers offer the best deals for different driver types and coverage needs.
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 | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $74 |
| Full coverage | State Farm | $98 |
| Teens | State Farm | $148 |
| Seniors | State Farm | $55 |
| Drivers with a speeding ticket | State Farm | $89 |
| Drivers with an at-fault accident | State Farm | $92 |
| Drivers with a DUI | State Farm | $114 |
| Drivers with excellent credit | State Farm | $62 |
| Drivers with poor credit | State Farm | $102 |
Next, we break down each category in more detail to help you find the best fit.
Policies in St. Paul start as low as $74 per month.
Drivers in St. Paul pay an average of $125 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.
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 $212 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.
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 $349, 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.
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 $131 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.
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 $208 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.
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 $210 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.
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 $272 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.
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 $204 per month.
Check out the following insurers if you have less-than-perfect credit in St. Paul, according to Compare.com data.
Compare personalized quotes from St. Paul’s top insurers.
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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:
Bodily injury liability: $30,000 per person and $60,000 per accident
Property damage liability: $10,000 per accident
Personal injury protection: $40,000 per person
Uninsured/underinsured motorist coverage: At least equal to your liability limits
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.
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.
Car insurance in St. Paul costs an average of $169 per month, according to our research. St. Paul drivers pay $125 per month for liability-only coverage and $212 for full coverage.
Yes, St. Paul car insurance is expensive. The citywide average rate is $169 per month, compared with the national average of $149. But keep in mind, your exact rates depend on your address, age, driving history, and other factors.
State Farm offers the lowest average liability-only rate, at $74 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.
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.
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.
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