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


St. Paul is recognized for its expensive premiums, as its mean premium exceeds Minnesota's average by 27%. Therefore in St. Paul, it is especially crucial to save while insuring a vehicle. We've analyzed how auto insurance rates in St. Paul compare to premiums nationwide.


CAR INSURANCE RATES: ST. PAUL VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,601$1,258$1,427


St. Paul Car Insurance After an Accident or Moving Violation


Do you realize how much an accident or violation on your driving record can cost you in terms of car insurance rates? A DUI will increase your car insurance premiums more than other driving violations. Drivers with a DUI in St. Paul need to spend $1,013 more than the city average to insure their vehicle. Reckless driving will bump your premiums up as well, with average rates of $2,391, which are 49% higher than the city average. Being at-fault in an accident can cost drivers an additional $857 per year in premiums compared to the city average.


AVERAGE ST. PAUL INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Insurance Rate
DUI$2,614
Reckless Driving$2,391
At-fault Accident (damages less than $1,000)$2,458
At-fault Accident (damages greater than $2,000)$2,458
Speeding Ticket (16-20 mph over speed limit)$2,004


St. Paul Auto Insurance by Credit Score


For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly triple. The most notable benefit of better credit occurs when rising from Very Poor (300-579) to Fair (580-669), by which drivers can save close to $611 per year.


ST. PAUL CAR INSURANCE COSTS BY CREDIT LEVEL
Credit ScoreAverage Rate
Very Poor$3,333
Fair$2,670
Good$2,059
Very Good$1,687
Exceptional$1,368


St. Paul Car Insurance Premiums by Age

At $1,403, drivers in their 50s have the lowest insurance rates among any age group. St. Paul drivers see the largest fall in premiums when they hit their 20s, as they save an average of $4,483 from moving out of the teenage age range. In St. Paul, turning 60 means a rise in insurance rates. Up until then, transitioning from one age group to the next means decreasing prices. Teenage drivers have the largest premiums out of all the age groups, with average car insurance payments of $6,677.


ST. PAUL AUTO INSURANCE PRICES BY AGE
AgeAverage Rate
Teenagers$6,677
20s$2,193
30s$1,579
40s$1,519
50s$1,403
60s$1,503
70s$1,820


St. Paul Auto Insurance by Gender and Marital Status


In St. Paul, both gender and marital status affect your car insurance premiums. Premiums are more pricey for women than for men. Women generally pay $108 more than men each year for insurance. Being single can cost you around $110 more per year compared to being married. In contrast, widowed and divorced individuals pay the same as drivers who are single.


ST. PAUL CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,709
Male$1,601
Single$1,601
Married$1,492
Divorced$1,601
Widowed$1,601


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

Car Insurance Companies in Saint Paul

Find Local Saint Paul Agents

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

Dyste Williams Agency

6465 Wayzata Blvd, Ste 700 Minneapolis, MN 55426

See All

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

icon_coffee

305

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

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Saint Paul Car Insurance

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