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Beth Swanson

SEO Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

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Nathan Foster

Agency Trainer

  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

Nathan tra…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does car insurance cost in Saint Paul?

Saint Paul residents pay an average of $866 for a six-month car insurance policy, which translates to a monthly average of $144. Farm Bureau Mutual offers the most affordable car insurance in Saint Paul, with a rate of $471 for a six-month policy in 2024. While drivers in the city pay slightly more than the Minnesota average of $853 every six months, they pay just below the national average of $880.

40% of our users in Saint Paul said they're paying too much for their car insurance. If you share this sentiment or require help selecting suitable coverage, continue reading to learn how you can obtain a reasonable rate based on factors such as your credit score and coverage level.

Car Insurance in Saint Paul vs. Minnesota

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Car Insurance in St. Paul vs. Minnesota Avg. 6 Mo. Premium
Minnesota Average $853
St. Paul Average $866

Source: The Zebra

The cheapest car insurance companies in Saint Paul

1st place medal
1st place: Farm Bureau Mutual

Farm Bureau Mutual (IA Group) is the cheapest option in Saint Paul at $79 per month or $471 for a six-month policy.

2nd place medal
2nd place: Auto-Owners

In second place is Auto-Owners, which costs $107 per month ($642 for a six-month policy).

3rd place medal
3rd place: Nationwide

Rounding out the list is Nationwide as the third-cheapest insurance company. On average, a Nationwide policy in Saint Paul costs $657 per six-month policy.

The Zebra's key takeaways about car insurance in Saint Paul:

  • The average cost of a car insurance policy in Saint Paul is $866 per six-month policy — $144 per month.
  • The cheapest company in Saint Paul is Farm Bureau Mutual ($471).
  • Saint Paul is the most expensive city for car insurance in Minnesota.
  • 40% of Zebra customers in Saint Paul stated they used our product because they were paying too much for car insurance.

Are you paying too much for auto insurance?

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Saint Paul car insurance rates by company

Our 2024 data shows that Farm Bureau Mutual is the cheapest car insurance company for full coverage in Saint Paul. An average policy with Farm Bureau costs $79 per month or $471 per six-month policy, while Auto-Owners is the second most affordable at $107 per month or $642 for a six-month policy.

Continue reading to discover more about the best-rated car insurance companies according to The Zebra's Customer Satisfaction Survey.


Cheapest car insurance companies in Saint Paul, MN
Cheapest Car Insurance Companies in Saint Paul, Minnesota

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Company Avg. 6 Mo. Premium
Farm Bureau Mutual (IA Group) $471
Auto-Owners $642
Nationwide $657
State Farm $660
USAA $737
GEICO $883
Allstate $1,027

Source: The Zebra

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Shop around for the best rates

If you're a driver in Saint Paul looking for affordable and high-quality car insurance coverage, look no further than our comparison tool. With just a few clicks, you can compare rates from top carriers like Progressive, Allstate, GEICO, Farmers, and more to find the best and most affordable policy for your needs.

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Average car insurance in Saint Paul by rating factor

In Saint Paul, car insurance companies use rating factors like driving history, age, and credit score to calculate policy rates. While different insurers may prioritize these factors differently, all are important when it comes to determining premiums. To find the best and most affordable car insurance policy in Saint Paul, it's important to understand these rating factors and get quotes from multiple insurers.

It's essential to remember that the best car insurance company for you may vary over time or based on changes in your personal profile, underscoring the importance of obtaining periodic quotes to verify that you're still receiving the most favorable rates. Saint Paul might emerge as your preferred location for car insurance.

Q: I didn't have an accident — Why is my insurance going up?

A:End-of-year earnings (the balance of premiums versus claims paid out) is a significant rating factor for how much you will pay for car insurance in Saint Paul. Even if you haven't filed any claims, you could still be paying more for insurance due to the cost of doing business in the area. It's crucial to understand how these factors impact your premiums and to compare rates from multiple insurers to find the best policy for your needs.

Auto insurance premiums by age in Saint Paul, MN

Age is a significant rating factor for car insurance rates in Saint Paul. Young drivers are viewed as high-risk due to their lack of experience on the road, resulting in higher premiums compared to drivers in their 20s and beyond. In Saint Paul, the difference in rates paid by teen drivers and drivers in their 20s is $2,646 per year: the highest such difference of any two age groups.

Insurance companies in Saint Paul are in the business of risk management, and they use rating factors such as age to assess risk and ensure fair pricing for all drivers accurately. While it may seem unfair to charge higher rates for teen drivers, these higher premiums help to offset the increased cost of paying out claims for young and inexperienced drivers.

Cheapest car insurance companies for teen drivers in Saint Paul, MN
Cheapest Car Insurance Companies for Teen Drivers in Saint Paul, MN

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Company Avg. 6 Mo. Premium
Farm Bureau Mutual (IA Group) $1,214
Auto-Owners $1,662
State Farm $1,821
USAA $2,024
Nationwide $2,086
GEICO $2,174
Allstate $2,866

Source: The Zebra

Age Bracket Cheapest Companies Avg. 6 Mo. Premium
20s Farm Bureau Mutual $700
30s Farm Bureau Mutual $502
40s Farm Bureau Mutual $500
50s Farm Bureau Mutual $418
60s Farm Bureau Mutual $430
70s Farm Bureau Mutual $500

Zebra Tip: The cheapest companies for Saint Paul drivers between 20-40 are Farm Bureau, Nationwide, and State Frm

Our data tells us that drivers between the ages of 20-40 make up the largest demographic of drivers in Saint Paul. On average, this group pays $998 every six months for car insurance. However, by exploring different car insurance providers, drivers in this age group may be able to save up to 30% on their premiums.

Auto insurance premiums for minimum coverage in Saint Paul

Your choice of auto insurance coverage can have a significant impact on your monthly premium. While minimum coverage is the cheapest option available, it also offers the least amount of protection. Some drivers in Saint Paul have chosen the state minimum coverage. While this satisfies legal requirements, it can leave drivers open to potential financial risks in the event of an accident.

Adding collision and comprehensive coverage to your auto insurance policy can increase the level of protection you receive, but it comes at a cost. Known as "full coverage" insurance when purchased together, each type of coverage requires a deductible. The amount you select for your deductible will affect your rates, as a higher deductible can result in lower rates.

While collision and comprehensive coverage are important components of your auto insurance policy, additional coverages like roadside assistance or uninsured motorist coverage coverage can provide added protection when you need it most. While they will add to your premium, they are recommended by The Zebra's experts for comprehensive coverage.

Q: Can I lower my car insurance coverage?

A: Possibly — if your vehicle is paid off.

If you're leasing or financing your car you've probably got certain levels of coverage you are required to maintain. But In Saint Paul, owners of vehicles should consider dropping collision or comprehensive coverage if they own their car outright. Checking the value of your car through sources like Kelley Blue Book can help you determine if dropping these coverages makes financial sense. As a rule of thumb, if your car is worth $4,000 or less you can probably drop a coverage level. Just remember that if you do, you will need to pay for any repairs or damages out of your own pocket.

Cheapest car insurance companies for minimum coverage in Saint Paul, MN
Cheapest Car Insurance Companies for Minimum Coverage in Saint Paul, MN

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Company Avg. 6 Mo. Premium
Auto-Owners $212
Farm Bureau Mutual (IA Group) $241
USAA $267
Nationwide $317
State Farm $361
GEICO $376
Allstate $439

Source: The Zebra

25% of our customers in Minnesota opt for basic coverage, but this may not be the best option for everyone. While we understand state minimum or basic coverage is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. Minnesota's 30/60/10 liability limits provide coverage for damage you cause up to $30,000 per person in bodily injury, $60,000 per accident in bodily injury and $10,000 for property damage. While this may be sufficient for most standard car accidents, it might not be for bodily injury claims or multi-vehicle accidents.

Minnesota is also unique in that it requires uninsured motorist coverage (UMP) (25/50) and personal injury protection (PIP) (20/20), which are typically optional. 

Learn more about insurance laws in Minnesota.

Saint Paul car insurance rates by credit score

For Saint Paul drivers, like those in most other places, credit score plays a significant role in their car insurance rates. Insurance companies view credit score as an indicator of how likely a driver is to file claims, with lower credit scores being associated with a higher likelihood of filing claims, having coverage lapses, or engaging in risky driving behaviors. Therefore, drivers with poor credit scores are likely to pay higher car insurance premiums compared to drivers with good credit scores.

In Saint Paul, credit score is one of the primary rating factors that insurance companies consider when determining rates. Drivers with poor credit scores in Saint Paul can expect to pay significantly higher rates than those with excellent credit scores — about 162% more! Our data shows that 34% drivers in Saint Paul have an excellent (720+) credit score, and the cheapest option for this group is typically Farm Bureau.

car insurance in Saint Paul by credit score
Cheapest car insurance companies for bad credit in Saint Paul, MN
Cheapest Car Insurance Companies for Bad Credit in Saint Paul, MN

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Company Avg. 6 Mo. Premium
Farm Bureau Mutual (IA Group) $915
Nationwide $964
GEICO $1,279
State Farm $1,556
USAA $1,758
Auto-Owners $1,892
Allstate $1,903

Source: The Zebra

Zebra Tip: If you recently improved your credit score, shop around for car insurance!

In Saint Paul, our data indicate that drivers with "Fair" credit pay $1,706 less per year for car insurance than those with "Poor" credit. If you've recently taken steps to improve your credit, such as paying off a loan or credit card balance, it's a good idea to check your credit monitoring software to see if your efforts could result in lower car insurance rates.

Auto insurance rates with an at-fault accident

Of all the types of insurance claims, at-fault accidents and other collisions are the most common. These claims can have a substantial impact on your insurance rates, with an at-fault accident increasing average rates in Saint Paul by about $67 per month. After an at-fault accident, the cheapest insurance company in Saint Paul is Farm Bureau.

The most efficient way to maintain low car insurance rates is by keeping a clean driving record. All violations can result in rate increases, but some have a greater impact than others, such as speeding, accidents, and DUIs/DWIs. These citations will stay on your record and affect your premium for three to five years in Saint Paul, depending on the severity of the violation.

Cheapest car insurance companies after an at-fault accident in Saint Paul, MN
Cheapest Car Insurance Companies After an At-Fault Accident in Saint Paul, MN

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Company Avg. 6 Mo. Premium
Farm Bureau Mutual (IA Group) $629
Auto-Owners $801
State Farm $848
Nationwide $938
USAA $1,030
GEICO $1,270
Allstate $1,680

Source: The Zebra

Saint Paul car insurance rates by violation

Below you can see how each violation increases your insurance costs in Saint Paul.

Car insurance rate increases after violations and citations in Saint Paul, MN
Car Insurance Rate Increases After Violations and Citations in Saint Paul, MN

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Accident/Violation Avg. 6 Mo. Premium % Rate Increase $ Rate Increase
None $866 0% $0
One Med/PIP claim $871 1% $5
Not-at-fault accident $888 2% $22
One comp claim $910 5% $44
Two Med/PIP claims $910 5% $44
Two comp claims $953 10% $87
Failure to wear a seat belt $984 14% $118
Failure to show documents $985 14% $119
Driving without lights $998 15% $131
Child safety restraint $998 15% $131
Driving with expired registration $1,005 16% $139
Cell phone violation $1,061 23% $195
Texting while driving $1,061 23% $195
Following too closely $1,063 23% $196
Speeding 6 - 10 MPH over limit $1,066 23% $200
Illegal turn $1,068 23% $202
Failure to stop at a red light $1,070 24% $204
Driving too slowly $1,073 24% $207
Improper passing $1,073 24% $207
Wrong way/wrong lane $1,074 24% $208
Speeding in school zone $1,075 24% $209
Failure to yield $1,076 24% $210
Speeding 11 - 15 MPH over limit $1,082 25% $216
Speeding 16 - 20 MPH over limit $1,095 26% $229
At-fault accident - less than $1000 $1,104 27% $238
Passing school bus $1,113 28% $247
Operating a vehicle without permission $1,143 32% $277
In 65 MPH zone $1,161 34% $295
Speeding 21 - 25 MPH over limit $1,162 34% $296
At-fault accident - $1000-$2000 $1,229 42% $363
At-fault accident - greater than $2000 $1,266 46% $400
Open container $1,281 48% $414
Racing $1,552 79% $686
Reckless driving $1,583 83% $717
Driving with a suspended license $1,801 108% $935
Refusal to submit to a chemical test $1,801 108% $935
DUI $1,836 112% $970
Leaving scene of an accident/hit and run $1,916 121% $1,050

Source: The Zebra

Why is car insurance in Saint Paul so expensive?

According to our data, car insurance rates in Saint Paul are slightly higher than the state of Minnesota's average but slightly lower than the national average. As far as major cities in the U.S. go, Saint Paul is fairly reasonable for car insurance rates. But it can still feel pricey, and factors such as the city's population density and the high cost of repairs are factors that contribute to the rates you experience in a particular area. Also, individual factors like your driving history or the demographic you fall into can have a significant impact on your premium.

Here's an overview of why car insurance might seem expensive in Saint Paul.


The neighborhood you reside in Saint Paul can impact your car insurance rates. While individual factors like driving history and demographics are crucial in determining rates, premium calculations are also affected by the area you live in. Crime rates, theft, and uninsured motorists vary by ZIP code, so some areas of the city are riskier for insurance companies. If you live in a high-crime area, you will likely pay more for car insurance than someone who lives in a safer neighborhood. A perk in Saint Paul is that the difference between the most expensive ZIP code and the cheapest is less than $20 per month.


Weather risk
Weather risk

The damage caused by tornadoes and other similar weather-related damage can and has bankrupted insurance companies. Minnesota might not be at risk of hurricanes, but its winter storms can be devastating in their own right. Severe hail, wind, and flooding aren't unheard of in the state, either. Because of this risk, it can be expensive for auto insurance companies in Minnesota. As such, they will raise their rates to anticipate further weather-related losses.

Damage to your vehicle caused by flooding is covered under your comprehensive coverage. If you have a new or nice vehicle, we definitely recommend considering comprehensive coverage as part of your Saint Paul car insurance policy.

number of drivers
Number of drivers

Saint Paul, a large city, has several transportation options available. However, personal vehicles remain the primary mode of transportation for most residents. With more drivers on the road, the likelihood of accidents increases, which contributes to rising insurance costs.

Our data shows that approximately 33% of drivers in Saint Paul are uninsured during the quote process. To protect yourself from being responsible for damages caused by uninsured drivers, consider adding uninsured motorist coverage to your insurance policy.

Zebra Tip: Comprehensive coverage and uninsured property damage coverage are good to have in Minnesota

Residents of Saint Paul can rely on comprehensive coverage to provide the necessary protection against damages stemming from weather-related events. If apprehensions arise regarding the potential harm caused to your vehicle by flooding or other weather-related incidents, it is essential to evaluate whether this coverage adequately meets your specific needs.

Additionally, it is strongly advised to carry uninsured motorist coverage (UMPD) in cities like Saint Paul, where the prevalence of uninsured drivers is significant. UMPD coverage offers valuable assistance in cases of damage caused by underinsured or uninsured drivers and generally involves a lower deductible and more affordable rates compared to collision coverage, potentially resulting in reduced rate increases following a claim.

Bundling insurance policies in Saint Paul

To save on your insurance policy in Saint Paul, be sure to explore the discounts offered by your provider. Insurance companies often offer a multi-policy discount, which allows policyholders to save if they insure two or more policies with the same company. Many applicants choose to bundle their home and car insurance to qualify for this discount.

If you currently maintain or require a policy to safeguard your home, it would be advantageous to invest your time in bundling said policy with your auto provider in Saint Paul. Conversely, conducting thorough research to secure both policies from an alternative insurance carrier may open doors to potential discounts.

bundling home and auto insurance in Saint Paul
Cheapest car insurance companies for bundling home and auto insurance in Saint Paul, MN
Cheapest Car Insurance Companies for Bundling Home and Auto Insurance in Saint Paul, MN

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Company Avg. 6 Mo. Premium
Farm Bureau Mutual (IA Group) $429
State Farm $559
Auto-Owners $603
Nationwide $657
USAA $737
GEICO $839
Allstate $913

Source: The Zebra

If you're looking to make your insurance profile more appealing to insurers in Saint Paul, there are a few things you can do. One of the best pieces of advice we offer is to shop around and compare auto insurance quotes with as many companies as possible. This can help you find the most affordable rate without compromising coverage or service. Additionally, consider making changes to any personal factors that may affect your premium, such as improving your credit score or moving to a safer neighborhood. If all else fails, don't be afraid to switch to a more affordable provider.

Find the best rates for both auto and home insurance in minutes!

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Frequently asked questions

In Saint Paul, car insurance costs an average of $866 every six months, or $144 every month, based on our data. It's important to keep in mind that this number can be affected by your individual driving profile.

Farm Bureau Mutual is the carrier with the cheapest rates in Saint Paul, coming in at an average of $471 per six-month policy ($79/month).

In Saint Paul, drivers are required to have at least the minimum liability coverage in Minnesota, which includes $30,000 per person bodily injury, $60,000 per accident bodily injury, and $10,000 per accident property damage coverage.

Find affordable rates in minutes!

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How much is car insurance near me? — explore more cities near Saint Paul, MN

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.