What's the Cost of Car Insurance in St. Paul?


In St. Paul, it is vital to save while insuring a vehicle because St. Paul premiums are known for being costly. They generally exceed the state average by 31%. We've analyzed how auto insurance rates in St. Paul compare to premiums nationwide.


CAR INSURANCE COSTS: ST. PAUL VS. STATE/US MEAN
City AverageState AverageNational Average
$1,659$1,271$1,569


St. Paul Car Insurance by Marital Status and Gender


In St. Paul, both marital status and gender can impact your car insurance premiums. Premiums for men are typically 6% cheaper than for women. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Being married, as opposed to single or divorced, can save you $109 per year.


ST. PAUL AUTO INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,768
Male$1,659
Single$1,379
Married$1,270
Divorced$1,379
Widowed$1,341


St. Paul Car Insurance by Credit Rating


The difference between average car insurance premiums in St. Paul for individuals with Very Poor credit (300-579) and Exceptional credit (800-850) is $2,296 a year. The most notable benefit of better credit occurs when upgrading from Very Poor (300-579) to Fair (580-669), by which drivers can save an average of $1,629 per year.


ST. PAUL AUTO INSURANCE COSTS BY CREDIT LEVEL
Credit ScoreAverage Rate
Very Poor$3,646
Fair$2,017
Good$1,659
Very Good$1,479
Exceptional$1,350


St. Paul Car Insurance With Accidents or Violations


Possessing an untainted driving record is important to keep your insurance premiums low. When comparing rates for drivers with at-fault accidents in St. Paul, those with damages exceeding $2,000 pay 12% more than those with damages less than $1,000. Many people are lenient about obeying speed limits, but a ticket for driving 16-20mph over the limit raises your car insurance premiums by a whopping $450.


AVERAGE ST. PAUL INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Rate
DUI$2,528
Reckless Driving$2,753
At-fault Accident (damages less than $1,000)$2,292
At-fault Accident (damages greater than $2,000)$2,560
Speeding Ticket (16-20 mph over speed limit)$2,109


St. Paul Auto Insurance Premiums by Age Bracket

With average rates of $6,826, teenage drivers are the ones who pay the most in car insurance premiums. Drivers in their 50s save money on premiums, as they have the lowest rates among all age groups, paying only $1,456 each year. The largest dip in premiums for St. Paul drivers happens when they reach their 20s. Once out of the teenage age bracket, individuals pay $5,370 less in premiums. When drivers turn 60, they will experience a rate increase related to their age for the first time.


ST. PAUL AUTO INSURANCE PRICES BY AGE
AgeAverage Rate
Teenagers$6,826
20s$2,270
30s$1,638
40s$1,577
50s$1,456
60s$1,559
70s$1,592


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

109

Rainy Days a Year

31"

Avg. Annual Rainfall

49"

Avg. Annual Snowfall

Be Prepared For

Driving in Saint Paul

2
Major Highways
I-35E I-94 U.S. 52
2
Public Transit
MT Bus METRO Rail
2
Toll Roads
I-394 I-35W

Find Local Saint Paul Agents

Hays Companies

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

Dyste Williams Agency

6465 Wayzata Blvd, Ste 700 Minneapolis, MN 55426

Moreno Agency- Innovative Insurance Services

4748 Chicago Ave, STE 2 Minneapolis, MN 55407

HomeServices Insurance

333 S 7Th St Ste 2420 Minneapolis, MN 55402

AAA Minneapolis Insurance Agency

5400 Auto Club Way Minneapolis, MN 55416

Not sure about Saint Paul

Check out these other Minnesota cities...

Minneapolis

2

$1,906

The average Saint Paulite's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

305

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

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Recent Questions:

Saint Paul Car Insurance

Do I need storage coverage for my vehicle if it isn't running?

In Minnesota, if the vehicle is inoperable then you don't have to carry insurance. Storage insurance would provide physical damage coverage so your vehicle is protected while it is being stored, but it does not provide coverage to drive on the road which wouldn't make you legally compliant anyway.