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
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
80 S 8th St, Ste 700 Minneapolis, MN 55402
Dyste Williams Agency
6465 Wayzata Blvd, Ste 700 Minneapolis, MN 55426
Not sure about Saint Paul
Check out these other Minnesota cities...
The average Saint Paulite's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Saint Paul
Just enter your zip code to get started
Saint Paul Car Insurance
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
Digital Insurance Cards: Which States Accept Them?
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Driverless Car Laws by State
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
4 Consequences of Driving without Insurance
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
The Rundown on “No Refusal” Weekends
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Driver’s License Points: Do They Matter?
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Which States Have the Cheapest Car Insurance?
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...