Car Insurance in St Paul, MN

Providing a convenient and stress-free auto insurance shopping experience in St Paul.

Auto Insurance in St Paul and What You Need to Know

Getting quotes from different companies is crucial to securing the best auto insurance prices in St Paul. You may have seen friends or family paying different rates for their auto insurance. Pricing depends on factors including your age, driving history, and location. We’ve assembled auto insurance rates from all around St Paul to help make your search for auto insurance stress-free. Not only do we find the cheapest auto insurance rates for every driver in St Paul, we also provide information on the factors that influence those rates.

Percentage increase in St Paul car insurance costs compared to national average

167 %

Percentage increase in St Paul car costs compared to average in Minnesota

2301 %

Percentage increase in St Paul car insurance costs compared to most expensive in Minnesota

534 %

Full Coverage Car Insurance

Keep yourself, your passengers, and others safe. Experience peace of mind knowing that everyone is protected when you’re driving with coverage in St Paul.

Liability Car Insurance

Keep yourself, your passengers, and others safe. Experience peace of mind knowing that everyone is protected when you’re driving with coverage in St Paul.

High Risk Car Insurance

Find great high-risk auto insurance in St Paul. Don’t worry – we’ll do the hard work of sifting through all those company policies.

Home and Auto Insurance

Bundle your home and auto insurance to get great deals. Find out if a home and auto insurance bundle in St Paul is right for you.

Your Driving Record Matters When Getting Auto Insurance in St Paul

We’ve all heard the story -- you're trying to find the best deal on car insurance by getting quotes from different companies. An insurance provides give you a terrific quote that's inexpensive while still having all the coverage options you want. But wait -- the insurance provider comes back with a substantially higher insurance premium than in the original quote. What happened? It could be insurance points. Points added to your driving record from traffic violations vary by location. The trouble arises when you don’t report tickets or accidents on your insurance plan. When your driving record from the DMV doesn’t match the information you provided to the insurance company, you could see increased insurance rates.

best home and auto insurance St Paul MN

Your Type of Car Plays a Role on Car Insurance Costs in St Paul

Your car has many variables that impact auto insurance pricing in St Paul. People who drive cars with a lot of horsepower are more likely to speed and get into accidents. That means that cars with more horsepower are more costly to cover. Your car’s size can also impact your rates. For example, huge SUVs are capable of causing a lot of damage to other cars, so driving them can up the price of your auto insurance. To get better rates, think about using cars in the midsize range, such as sedans, midsize SUVs, or minivans. How much a car is worth also impacts the cost of covering it. A car’s value is one of the top considerations for insurance companies when they are setting the policy price. For more savings, consider driving lower-priced cars.

Vehicle TypeAnnual Average Cost of Car Insurance

best home and auto insurance St Paul MN

Cost of Car Insurance in St Paul by Gender and Marital Status

Gender can no longer be used to compute auto insurance prices in many states. However, marital status does play a role in calculating auto insurance rates in St Paul. Married couples are more likely to receive auto insurance at a reduced rate. Individuals who haven’t been married tend to get into more driving accidents than their married counterparts. Elderly widows and divorced folks also see higher prices for higher auto insurance. Individuals in a domestic partnership may be eligible for discounts, but it is more common for married couples. Numerous theories exist for why married couples are less likely to become involved in automobile accidents. Some sources maintain that married motorists don’t drive as much as single motorists. Other sources suggest that married motorists live more stable and lower risk lifestyles than single motorists. Either way, if you’re a married driver you’re likely eligible for discounted car insurance rates in St Paul.

Where You Live in St Paul Affects Car Insurance Costs

Annual savings for car insurance in smaller towns near St Paul

15 %

Annual savings for car insurance in medium sized cities near St Paul

11 %

Five little numbers can save or cost you thousands of dollars annually on auto insurance in St Paul. Your zip code can matter as much as the make or model of your car. It all depends on the number of traffic offenses in your area. Firms group zip codes into risk classes, so areas with higher levels of injury and theft claims usually get higher insurance premiums. For example, city drivers almost always pay more than country drivers for the simple fact that more cars mean more accidents. The state of the streets in your zip code can also affect how companies price your auto insurance policy; zip codes with less developed roads often see higher prices.

Average Costs of Auto Insurance in St Paul by Types of Coverage

Type of Auto Insurance CoverageAverage Annual Rate
Without Comprehensive or Collision1,206.74
Auto Insurance with Comprehensive Only1,423.95
Auto Insurance with Comprehensive and Collision2,099.71

Your Credit Affects Your Car Insurance Costs

Along with your driving history and zip code, your credit rating can affect your auto insurance quotes in St Paul. Many insurance companies provide credit-based insurance rates because studies have shown that credit scores correlate with how likely an individual is to get in an accident. In fact, in St Paul, 92% of insurance companies look at credit score when calculation auto insurance rates. Insurers can provide the fairest and most suitable coverage for every client by using credit-based auto insurance. We know you credit rating can affect your auto insurance rates in St Paul., so focus on things you can do to improve it, such as paying your bills on time and being careful about how you apply for credit.

Average car insurance rate changes in St Paul based off credit scores.

56 %

Max car insurance rate changes in St Paul based off credit scores

125 %

92 percent of the car insurance companies in St Paul now think about your credit rating when calculating how much you will pay for auto insurance.

St Paul Car Insurance Rates by Age

The rates for auto insurance in St Paul vary considerably by age group. Certain age groups present more of a coverage liability than others because of a higher likelihood of injuries and costly claims. Young drivers are usually the most costly to insure because they tend to drive more recklessly and get into more traffic incidents than older drivers. Auto insurance prices in St Paul drop off for adults once they start into middle age as they are more experienced behind the wheel and get fewer injuries in comparison to teens. This holds true until motorists reach their seventies, where auto insurance prices begin to rise again. Even though age is one of the most significant variables in the cost of car insurance, the effect of age on auto insurance rates can vary wildly from state to state. Overall, you typically see young drivers paying the largest sums for an St Paul auto insurance policy.

best home and auto insurance St Paul MN

Getting the Best Auto Insurance Rates in St Paul

Searching for and purchasing auto insurance is often seen as an unwelcome and costly chore. Still, it's an important task that protects you from financial loss associated with traffic collisions, automobile theft, natural disasters, or other unfortunate incidents. We always want to guarantee the best possible rates for auto insurance, but it’s not always clear how we can go about it. The only way to be sure you're getting the best deal is to shop around. Insurance providers offer an assortment of discounts for clients who meet specific requirements or for those looking to bundle their home and auto insurance. Here at Best St Paul Car Insurance, we make it easy to compare prices across different vendors so you can make the best choice for your auto insurance. If you need any help, were are always here for you.