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 CAR INSURANCE RATES
|St. Paul Average (yearly)||Minnesota Average||National Average|
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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.
ST. PAUL AUTO INSURANCE RATES BY COMPANY
|Insurer||Average Annual Rate|
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.
ST. PAUL AUTO INSURANCE PREMIUMS BY DRIVER AGE
|Age group||Average Annual Rate|
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.
INSURANCE RATES IN ST. PAUL BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
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.
AVERAGE ST. PAUL INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Annual Rate|
|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|
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.
ST. PAUL CAR INSURANCE PREMIUMS BY CREDIT TIER
|Credit Tier||Average Yearly Rate|
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
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Find Local Saint Paul Agents
Moreno Agency- Innovative Insurance Services
4748 Chicago Ave, STE 2, Minneapolis, MN 55407
80 S 8th St, Ste 700, Minneapolis, MN 55402
333 S 7Th St Ste 2420, Minneapolis, MN 55402
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