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How much does auto insurance cost in St. Paul?

The average car insurance rate in St. Paul, Minnesota, is $1,663 per year. That's more expensive than the average across Minnesota ($1,319) and pricier than the national average of $1,548. Our guide to car insurance in St. Paul — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.

St. Paul Average (yearly) Minnesota Average National Average
$1,663 $1,319 $1,548

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St. Paul car insurance premiums by company

The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical driver, GEICO offers St. Paul's cheapest rates. We've gathered the best cheap car insurance companies in St. Paul below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

Insurer Average Annual Rate
GEICO $1,117
AAA $1,186
State Farm $1,582
American Family $1,600
Progressive $1,983

Check out our guide to learn how to find the best cheap car insurance.

St. Paul car insurance premiums by age

The age bracket that pays the least for auto insurance in St. Paul consists of drivers in their 50s, who pay an average of $1,450. Those in their 60s don't pay significantly more ($1,544).

Young drivers aged 16 to 19 pay the most for car insurance in St. Paul. One of the most effective ways to lower your car insurance rates as a driver in St. Paul is to age out of your teens. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in St. Paul is $4,048, the largest such difference between any two age brackets.

Age group Average Annual Rate
Teenagers $6,251
20s $2,203
30s $1,646
40s $1,590
50s $1,450
60s $1,544
70s $1,876

Learn more about the impact of age on car insurance premiums.

St. Paul auto insurance premiums by gender and marital status

In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In St. Paul, married drivers pay $102 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in St. Paul, widowed drivers pay less than those who are single.

Another component of auto insurance pricing is gender. In St. Paul, female drivers pay $94 per year more than do male drivers.

Marital Status/Gender Average Yearly Rate
Female $1,757
Male $1,663
Single $1,561
Married $1,561
Divorced $1,663
Widowed $1,620

Read more about the relationships between gender, marital status and insurance rates.

St. Paul car insurance costs by driving history

No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In St. Paul, a reckless driving citation results in an average insurance rate increase of $956 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $928 increase and a speeding ticket triggers a $434 rate hike.

Incident/Violation Average Annual Rate
DWI/DUI $2,591
Reckless Driving $2,619
At-fault Accident (damages less than $1,000) $2,257
At-fault Accident (damages greater than $2,000) $2,400
Speeding Ticket (16-20 mph over speed limit) $2,097

Learn more about citations' impact on your auto insurance rates.

St. Paul car insurance costs by credit tier

It's no secret credit score is closely correlated with car insurance rates. In fact, St. Paul drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 60% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In St. Paul, improving your credit to "Fair" could help you earn a $1,406 decrease in yearly insurance premiums.

Credit Tier Average Yearly Rate
Very Poor $3,372
Fair $1,967
Good $1,663
Very Good $1,508
Exceptional $1,338

Learn more about the relationship between poor credit and car insurance.

What drives up car insurance rates in Saint Paul?

Where you live in Saint Paul affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Saint Paul is no exception to the rule. From ZIP code 55124 to 55103, premiums rise by 49 percent—that's $763.

Expensive Saint Paul ZIP codes: 55104, 55107, 55101, 55106, 55103

Cheap Saint Paul ZIP codes: 55124, 55123, 55122, 55129, 55125

Saint Paul Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Saint Paul, you can expect 109 rainy days with an annual rainfall of 31 inches. Saint Paul is also known to experience severe winter storms.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Saint Paul

Major Highways
I-35E I-94 U.S. 52
Public Transit
Toll Roads
I-394 I-35W

Saint Paul Car Insurance Companies Near Me

Allied Allstate American Family Auto-Owners Bristol West Cal Casualty Cinch Country Encompass Farm Bureau Mutual Farmers Farmers Union Insurance FIMC GEICO General Casualty Hippo Integrity Insurance Liberty Mutual Main Street America MetLife Nationwide Neptune Flood Insurance North Star Mutual Progressive Safeco State Auto State Farm Stillwater The General The Hartford Travelers Universal Property West Bend Mutual Western National Westfield

Find Local Saint Paul Agents

Dyste Williams Agency

6465 Wayzata Blvd, Ste 700, Minneapolis, MN 55426

HomeServices Insurance

333 S 7Th St Ste 2420, Minneapolis, MN 55402

AAA Minneapolis Insurance Agency

5400 Auto Club Way, Minneapolis, MN 55416

Moreno Agency- Innovative Insurance Services

4748 Chicago Ave, STE 2, Minneapolis, MN 55407

Hays Companies

80 S 8th St, Ste 700, Minneapolis, MN 55402


The average Saint Paulite's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 305 cups of coffee or $762 in savings

See How Much You Can Save in Saint Paul

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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 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.