Best cheap car insurance in St. Paul

In 2019, there were 9363 car crashes in Ramsey County. This is Minnesota’s home to St. Paul. No matter how many cars they drive or the type of car they have, every driver in St. Paul must have car insurance. Car insurance costs in St. Paul average $829 per annum for a minimum coverage policy, and $1948 for full coverage policies.

St. Paul drivers have many options when it comes to auto coverage. To find the best St. Paul car insurance, we compared the top-rated car insurance companies. We compared their average prices, discounts, coverage options, and third-party ratings.

St. Paul’s best car insurance companies

Auto-Owners USAA, Geico, and State Farm are the best auto insurance companies in St. Paul. These providers offer below-average rates and good discounts. They also have reliable coverage, financial strength, excellent financial stability, and high customer satisfaction ratings according to J.D. Power & Associates. These are the top providers for car insurance with full coverage.


According to J.D., Auto-Owners has the highest customer satisfaction rating for auto insurance in the Central region, which includes Minnesota. Power. Auto-Owners offers affordable rates with an average full coverage premium at $1,669, and an average minimum coverage premium at $684. This is significantly lower than the average.

Auto-Owners offers comprehensive car insurance with many optional coverages. The company also offers discounts to help St. Paul motorists save money on their policy. The only problem with Auto-Owners policies is the need to work with an agent in order to obtain a quote and purchase a policy.


USAA provides insurance specifically for active duty military personnel and retired military personnel. St. Paul residents who are eligible for USAA car insurance will be able to take advantage of the low rates, great customer service and amazing discounts.

USAA offers discounts for students, reduced mileage and taking defensive driving courses. You can also bundle your insurance policies and garaging your vehicle at base. USAA allows drivers to save on average $725 each year. Although USAA’s coverage can be quite limited, you can still get accident forgiveness after five consecutive years of not having any claims.


J.D. has rated Geico highly. J.D. Power has an A++ rating for financial strength from AM Best. This is the highest possible score. Geico is known for its third-party ratings and generous discounts. Geico’s average premium is comparable to St. Paul’s, but drivers have the option of lowering their rates through Geico’s savings opportunities.

Geico offers unique discounts for military personnel, federal employees and employee/membership groups. You can also save standard on policy bundling, being an excellent student, and being completely claims-free. Geico’s coverage is very basic and only a handful of endorsements are available.

State Farm

State Farm is the largest auto insurance company in the United States and is also one of the best-rated. State Farm is well-known for its excellent customer service and is one of the most affordable providers in St. Paul. State Farm’s average full coverage policy is $353 less than the average rate for St. Paul.

State Farm offers a great combination of discounts and coverage options. Steer Clear is available for drivers under 25 years old and Drive Safe & Save is for those over 25. State Farm also offers rideshare insurance if you are driving for Uber or Lyft.

St. Paul has the lowest car insurance

The average cost for car insurance is higher than the Minnesota average rate of $1,643 per year for a full coverage policy, and $137 for a minimal coverage policy. St. Paul drivers pay more for car insurance that the average American driver. The average American premium is $1,674 annually.

Car insurance companies in St. Paul have different rates. A driver’s credit score, age, and claim history all play a part in the rate they pay.

Below is a table that highlights the most affordable car insurance in St. Paul, based on market share.

St. Paul motorists who are searching for the lowest car insurance in Minnesota need to take time to research providers before making a decision. There are many insurance providers.

USAA, for example, offers low-cost insurance, but you have to be a member of the military to receive coverage. American Family and Auto-Owners might be better options for civilians. We recommend AAA, American Family, or Auto-Owners if you’re looking for special endorsements. USAA and Geico offer very limited coverage options.

Although all of these companies offer discounts to help drivers receive a lower premium they may not be able to offer the exact discounts you are looking for. Geico, for example, is the only provider to offer a discount for federal employees and AAA the only provider to offer a discount on AAA members.

Insurance requirements for St. Paul

Minnesota car insurance is a legal requirement. St. Paul drivers must have at least 30/60/10 liability coverage. This includes the following coverages

  • $30,000 per person in bodily injury coverage
  • $60,000 per accident in bodily injury coverage
  • $10,000 in property damage coverage per accident

Minnesota is also a no fault state. This means that drivers must have personal injury protection (PIP). Minimum PIP coverage is $40,000 which includes $20,000 in medical expenses and $20,000 in non-medical expenses like lost wages, if you are injured and can’t work.

St. Paul drivers who buy a minimum coverage policy may pay lower rates. Insurance companies advise that drivers select coverage limits beyond the minimum threshold.

It is not guaranteed that the minimum coverage policy in St. Paul will cover all costs of an accident at fault. Drivers who lease or finance their vehicle must usually have full coverage insurance until the loan is repaid.

St. Paul car insurance discount

Many car insurance companies in St. Paul offer discounts to help drivers obtain a lower rate. These discounts can help you obtain affordable car insurance.

  • Full discount if you are able to pay your annual premium in one lump sum, instead of in monthly installments. Most insurance providers will reduce your rate if this is possible.
  • Student discount for good grades: Students in high school or college who have a minimum GPA are often eligible for a discount.
  • Discount for drivers who don’t have any claims in the past will often be rewarded with a lower premium.
  • Bundling your policy discount: This is one of the best ways you can get lower premiums. You can bundle your home and auto insurance policies with the same company.

Questions frequently asked

Which is the best auto insurance company?

Every driver will find the best car insurer that suits them best. It all depends on the type of coverage that you require, what discounts you are eligible for, and what your budget is.

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

An average car insurance premium for St. Paul is $829 for a minimum coverage policy, and $1948 for full coverage. You might pay more or less depending upon your credit score, age, claim history, coverage limits, and deductible.