Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

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Are you in need of cheap auto insurance in Saint Paul, MN? At, you’ll find the cheapest insurance premiums near you. To get free car insurance estimates from the top rated providers today, input your zip code in the quote box in this article.

The capital city of Minnesota and sister-city to Minneapolis, Saint Paul is the slightly lesser known half of the “Twin Cities”. Back in the later part of the 1800’s, the railroad boom helped foster the development of Saint Paul. Today, it is still a good place for economic activity and growing businesses. Saint Paul is also well known for its stunning architecture, high quality of life, and the efficiency of the city’s government.

  • Fun fact: break out your power tools! Saint Paul is #25 on the list of “Top 100 cities with old houses but young residents (pop. 50,000+)”

Auto Insurance Coverage Requirements in Minnesota

Driving legally in Saint Paul requires:

CoverageRequirementsMost Common
Bodily Injury Liability30,000/60,000100,000/300,000
Property Damage Liability10,000100,000
Uninsured Motorist Bodily Injury25,000/50,000100,000/300,000
Personal Injury Protection40,00040,000
CollisionNot required500 deductible
ComprehensiveNot required0 deductible

Uninsured motorists can be a big – and expensive – problem if you get into an accident with one. Luckily, the state mandatory minimums in Minnesota require Uninsured Motorist coverage on your policy, to protect you from the worst possible scenarios.

Living in Minnesota means that you are probably paying at least $113 per month for your insurance policy, if not more. But did you know that St. Paul drivers can get covered for around $71/mo* or less? We’ll show you how to get the lowest possible rate for you and your family.

Average Monthly Auto Insurance Premiums Legend: Saint Paul Allstate Farmers State Farm Allied Nationwide 10 20 30 40 50 60 70 80 $74 $47 $77 $72 $83


Between Farmers, Allied, and Allstate, it’s hard to find a lower rate in St. Paul. But if you’re in the mood to switch companies, make sure you do a little research first. Not every company with a low rate also comes with stellar customer service and efficient claims processing.

Auto insurance carriers consider various factors when establishing quotes, which include gender, driving violations, occupation, years of driving experience, and theft protection devices. Also keep in mind that premiums differ from business to business. To find out whether you’re still receiving the best rate, check cheap Saint Paul auto insurance quotes via the internet.

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Major Car Insurance Factors in Saint Paul

There is a number of various things that might factor into the rate quotes you get. Even though many of these details aren’t actually something you can do something about, some of them are variables which you can change for the better. Here are some components which can change your car insurance premium:

Your Zip Code

Where you park your car nightly will likely have a major influence on your car insurance rate. Generally, car insurance is less expensive in rural locations mainly because fewer cars indicate a reduced possibility that you will get into a wreck with another vehicle. The populace of Saint Paul is 294,873, plus the average household income is $49,469.

Auto Insurance by Zip Code Legend: Minneapolis Bloomington Duluth Rochester Saint Paul Allstate Farmers State Farm Allied Nationwide 8 16 24 32 40 48 56 64 72 80 $76 $46 $42 $38 $74 $41 $32 $33 $28 $47 $77 $57 $40 $40 $77 $67 $48 $41 $38 $72 $79 $50 $43 $37 $83


Automotive Accidents

Considering the fact that there are more than a quarter of a million people living in St. Paul, the accident statistics are surprisingly low. For obvious reasons, this is good news. It’s also great news for those wanting to lower their monthly premium, because insurance providers usually offer low rates in safe cities.

Fatal Accidents in Saint Paul, MN Legend: Saint Paul Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 6 7 8 9 10 11 12 $5 $7 $2 $6 $12 $2


Auto Thefts in Saint Paul

Sometimes in modest cities or rural towns, car theft can nevertheless be a problem. To make it a smaller issue in your case, think about installing a passive anti-theft system on your motor vehicle. Your current auto insurance provider may reward you with lower rates! In Saint Paul, they had 1,761 auto thefts in 2013. These numbers are quite high, so Comprehensive coverage is almost essential.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Allstate Farmers State Farm Allied Nationwide 15 30 45 60 75 90 105 120 135 150 165 $74 $178 $47 $84 $77 $140 $72 $130 $83 $143


Your Credit Score

For better or for worse, your credit score determines a lot of things in your life. Your monthly automotive insurance premium is one of those aspects, as well. And the higher your score, the less you’ll be paying each month to stay covered.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Allstate Farmers State Farm Allied Nationwide 20 40 60 80 100 120 140 160 180 200 $60 $137 $48 $203 $63 $143 $61 $110 $86 $201


Your Age

Unfortunately, young, inexperienced, and impulsive drivers are some of the highest-risk drivers when it comes to getting into an accident. And the younger you are, the more it will cost to get covered. But ask your agent about Good Student and Driver’s Ed discounts; they can help alleviate the burden.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Allstate Farmers State Farm Allied Nationwide 50 100 150 200 250 300 350 400 450 $74 $169 $47 $487 $77 $229 $72 $250 $83 $362


Your Driving Record

Having a minor violation or two on your record can raise your premiums to painfully high levels. But many providers are offering “Accident Forgiveness” discounts to drivers whose previous violations aren’t that serious.

Auto Policy Age Comparison Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate Farmers State Farm Allied Nationwide 40 80 120 160 200 240 280 320 360 400 $74 $90 $110 $113 $47 $61 $77 $74 $77 $85 $85 $94 $72 $118 $278 $155 $83 $158 $409 $212


Your Vehicle

If you’re going to insure a luxury vehicle, you’re going to have to cover it with a luxury insurance policy. After all, if you only purchase the state minimum coverage, and you get into a serious wreck, you could be left paying the rest of the (luxuriously large) bill.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allstate Farmers State Farm Allied Nationwide 20 40 60 80 100 120 140 160 180 200 $74 $217 $47 $95 $77 $154 $72 $118 $83 $123


Minor Car Insurance Factors in Saint Paul

Don’t worry, there are other factors you can adjust to change your monthly premium:

Your Marital Status

Married couples can take advantage of policy bundling for great access to discounts. And the greater variety of policies your provider offers, the more you can bundle (and the more you can save!)

Your Gender

Based on statistical data, you’re just as likely to get into an accident as the next driver, despite gender. Because of this, many companies don’t bother charging more than a 1-2% difference based on gender, if they charge different rates at all.

Your Driving Distance to Work

The average commute time in Saint Paul may only be 18-31 minutes, typically. Over 70% of commuters will undoubtedly drive their own car or truck to work, whereas anywhere from 2-21% of workers will either carpool or take the bus.

Business vehicles are very expensive to insure – they can cost up to 12% more than personal vehicles. And while some companies claim you can save by cutting down on your yearly mileage, even the most drastic cuts will get you 3-4%, at most.

Your Coverage and Deductibles

Your deductible is the amount of up-front cash you must pay if you have to file certain types of claims. If your raise your deductible, your insurance provider will likely lower your monthly rate. But this will make it more expensive to settle your claims in the future.

Education in Saint Paul, MN

In Saint Paul, just over one-quarter of motorists have obtained their high school diploma. Meanwhile, another 20% have also gone on to earn a bachelor’s degree. This latter group may also enjoy another benefit from their higher education which a good job and/or an elevated salary can’t achieve: cheaper auto insurance. This is because providers often give lower rates based on how much education you have.

Saint Paul shares many different institutions of higher learning with its sister city, Minneapolis. One of these is the University of Minnesota – Twin Cities, with more than 250 different fields to study and a history of Nobel Prize winners (12 in all). There are also smaller state universities, such as Metropolitan State University, or religious institutions like Hamline University or Bethel University. Additionally, more than a dozen technical and vocational schools serve the greater metropolitan area.

Discovering affordable automobile insurance can become a hassle. There’s lots of information you need to contemplate, and understanding exactly how insurance companies assess your possible risk may be complicated. But don’t allow the wrong insurance agency to convince you to purchase a bad policy. Learn more about Saint Paul, Minnesota.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Minnesota Department of Commerce – Insurance Division

Minnesota Department of Commerce – Banking & Finance

Department of Highway Safety and Motor Vehicles

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