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 Average||State Average||National Average|
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/Incident||Average Insurance Rate|
|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 Score||Average Rate|
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
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/Gender||Average 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 & 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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Saint Paul Agents
AAA Minneapolis Insurance Agency
5400 Auto Club Way Minneapolis, MN 55416
333 S 7Th St Ste 2420 Minneapolis, MN 55402
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
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