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How much is car insurance in Saint Paul?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $16 a month more expensive to insure your vehicle in Saint Paul than it is in the rest of Minnesota.
Similarly, drivers in Saint Paul may pay higher rates than the rest of the country. The cost of auto coverage in Saint Paul is about $31 more expensive than the national average.
While these numbers represent the average monthly payments for coverage in Saint Paul, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
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 the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay $73 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, you may see your rates begin to increase again in Saint Paul.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Saint Paul goes against the grain. Female drivers typically pay around $9 more a month for car insurance than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. The rate for drivers in Saint Paul with a single accident on their record is about $127 a month. In addition, drivers with a single ticket on their record can expect to pay around $135 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$148|
|15 Years or Older||$107|
In terms of affordable coverage, the cheapest vehicles to insure in Saint Paul are by and large trucks and vans, at $96 per month.
SUV drivers will see rates of about $109, while the rates for car owners average out to about $115 per month.
In addition to vehicle type, you can also expect to see slightly 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 decrease if your car is around 5 years old. In Saint Paul, 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|
More often than not, those who are currently married will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Saint Paul, with married couples paying about $21 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$125|
Another factor that comes into play is your housing situation. In Saint Paul, homeowners can expect to pay around $11 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Saint Paul, MN
Recent trends in car insurance for Saint Paul drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In Saint Paul, car insurance rates had been decreasing from 2017-2019, when they reached a low of $101, but began to increase from 2020-2021. Rates finished down in 2022, at $112.
How does Saint Paul compare to neighboring areas?
Why are car insurance rates in Saint Paul different from other areas?
There are several factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Road Safety (frequency of car accidents)
- Total amount of drivers in the area
- Off-street parking availability
- Prevalence of crime
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Saint Paul?
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.
But wait! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in Saint Paul.
Saint Paul Insurance FAQs
What factors affect car insurance quotes in Saint Paul?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Saint Paul different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Saint Paul?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Saint Paul?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Paul 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.