What drives up car insurance rates in Saint Paul?
Car Insurance in St. Paul
Premiums in St. Paul, which are 27% greater than Minnesota's average, are recognized for being expensive. So in St. Paul, it is important to cut costs while insuring a vehicle. Why don't we get started on how to save on car insurance in St. Paul?
- City Average: $1,601
- State Average: $1,258
- National Average: $1,427
St. Paul Car Insurance by Gender and Marital Status
Gender as well as marital status are among the various driver characteristics that can play a part in car insurance premiums in St. Paul. Rates for those who are widowed or divorced are the same as rates for single individuals. On the other hand, you can save close to $110 per year if you're married as opposed to single. Generally, males have premiums that are 6% cheaper than those for females.
- Female: $1,709
- Male: $1,601
- Single: $1,601
- Married: $1,492
- Divorced: $1,601
- Widowed: $1,601
St. Paul Car Insurance by Credit Rating
People with Very Poor credit (300-579) pay an average of 2.4x more each year on premiums than those with Exceptional credit (800-850). Shifting from Very Poor (300-579) to Fair (580-669) offers drivers the greatest decrease in premiums, as they save around $611 per year.
- Very Poor: $3,333
- Fair: $2,670
- Good: $2,059
- Very Good: $1,687
- Exceptional: $1,368
St. Paul Car Insurance by Age
Teenage drivers have the largest premiums of any age group, with typical car insurance payments of $6,677. Drivers in their 50s save money on insurance payments, as they have the lowest rates among all age groups, paying only $1,403 each year. In St. Paul, drivers see the greatest reduction in premiums when they hit their 20s, as they pay an average of 67% less after moving out of the teenage age range. Car insurance premiums in St. Paul continue to trend downward up until drivers hit 60.
- Teenagers: $6,677
- 20s: $2,193
- 30s: $1,579
- 40s: $1,519
- 50s: $1,403
- 60s: $1,503
- 70s: $1,820
St. Paul Car Insurance by Accident or Violation History
By avoiding driving mishaps that can make your car insurance rates spike, you can not only save yourself money, but become a safer driver. A DUI will increase your car insurance premiums more than other driving violations. In St. Paul, drivers with a DUI have rates that exceed the city average of $1,601 by $1,013. Reckless driving will drive your premiums up as well, with typical rates of $2,391, which are 49% higher than the city average. $857 is what you can expect to add on to your annual insurance premium in St. Paul if you have an at-fault accident on your driving record.
- DUI: $2,614
- Reckless Driving: $2,391
- At-fault Accident (damages less than $1000): $2,458
- At-fault Accident (damages greater than $2000): $2,458
- Speeding Ticket (16-20 mph over speed limit): $2,004
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
80 S 8th St, Ste 700 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
Dyste Williams Agency
6465 Wayzata Blvd, Ste 700 Minneapolis, MN 55426
333 S 7Th St Ste 2420 Minneapolis, MN 55402
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