What is the average cost of car insurance in St. Paul?

Drivers in St. Paul pay an estimated $1,575 per year on average for full-coverage auto insurance — about 5% above the Minnesota state average of $1,500.

How can I find cheaper car insurance in St. Paul?

Drivers who compare 3+ insurers can save up to $487/year on average. Raising your deductible to $1,000, bundling home and auto, and asking about telematics-based discounts are the next-fastest wins. No-fault state with PIP minimum $40k. Twin Cities metro pays 25% more than greater Minnesota.

St. Paul, MN

Cheap Car Insurance in St. Paul

St. Paul drivers pay an average of $1,575/year for auto insurance — 5% above the Minnesota state average. Compare quotes and save.

Why St. Paul drivers pay more

St. Paul tracks Minneapolis-area pricing patterns; slightly lower density-driven premiums. Across Minnesota, the average annual premium is $1,500; St. Paul comes in at about $1,575 — 5% above the state benchmark.

Premiums vary widely within St. Paul based on ZIP code, vehicle, age, credit (where allowed), and driving record. Urban ZIPs typically pay 20-40% more than suburban ones in the same metro area.

5 ways to lower your St. Paul car insurance

Compare 3+ insurers — drivers who shop can save up to $487/year on average.
Raise your deductible from $500 to $1,000 if you have an emergency fund.
Bundle auto with home or renters insurance (10-25% discount).
Ask about telematics/usage-based discounts (10-30% if you drive carefully).
Consider your ZIP — moving even one ZIP over in St. Paul can shift your premium 10-20%.

St. Paul drivers

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