South St. Paul, MN Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in South St. Paul, MN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in South St. Paul, MN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- South St. Paul, MN Auto Insurance Rates
- South St. Paul, MN Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in South St. Paul, MN
- Multi Vehicle Insurance Savings in South St. Paul, MN
- How Credit Score Affects Car Insurance Rates in South St. Paul, MN
- How DUI Affects Auto Insurance Premiums in South St. Paul, MN
- Top Auto Insurance Agents Near South St. Paul, MN
- How Driving Violations Affect Auto Insurance Rates in South St. Paul, MN
- South St. Paul, MN Auto Insurance Discounts on Anti Theft Feature
- South St. Paul, MN Auto Insurance Company Reviews
South St. Paul, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in South St. Paul, MN with that of other cities in and around South St. Paul.
| South St. Paul | Sunfish Lake | Inver Grove Heights | Newport | West St. Paul | St. Paul Park | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,664 | $1,777 | $1,080 | $1,300 | $1,676 | $1,288 |
South St. Paul, MN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around South St. Paul, MN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| South St. Paul | $1,794 | $1,516 |
| Newport | $1,497 | $1,264 |
| West St. Paul | $1,726 | $1,458 |
| Sunfish Lake | $2,164 | $1,828 |
| St. Paul Park | $1,480 | $1,250 |
| Inver Grove Heights | $1,066 | $900 |
| Mendota Heights | $1,458 | $1,232 |
| St. Paul | $1,319 | $1,114 |
South St. Paul, MN Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in South St. Paul, MN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $5,399 |
| 20 Years | $2,138 |
| 30 Years | $1,647 |
| 40 Years | $1,584 |
| 50 Years | $1,467 |
| 60 Years | $1,488 |
| 70 Years | $1,732 |
South St. Paul, MN Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in South St. Paul, MN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,829 | $499 |
| 3 Vehicles | $4,243 | $749 |
| 4 Vehicles | $5,658 | $998 |
Savings on 2 Vehicles bundle:$499
Savings on 3 Vehicles bundle:$749
Savings on 4 Vehicles bundle:$998
South St. Paul, MN Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around South St. Paul, MN.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| South St. Paul | $1,664 | $3,038 |
| Newport | $1,300 | $2,374 |
| West St. Paul | $1,676 | $3,060 |
| Sunfish Lake | $1,777 | $3,244 |
| St. Paul Park | $1,288 | $2,352 |
| Inver Grove Heights | $1,080 | $1,972 |
| Mendota Heights | $1,416 | $2,585 |
| St. Paul | $1,302 | $2,377 |
South St. Paul, MN Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,428 |
| Excellent (740-799) | $1,630 |
| Good (670-739) | $1,734 |
| Average (580-669) | $2,262 |
| Poor (300-579) | $2,714 |
South St. Paul, MN Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Duane Palmer | Farmers | 1399 Geneva Ave N Ste 206, Oakdale, 55128 | (651) 330-0108 |
| Gretchen Frana | Farmers | 5445 28th Ave S, Minneapolis, 55417 | (612) 724-4309 |
| Amy Brown | State Farm | 1513 Geneva Ave N, Oakdale, 55128-4219 | 651-735-4193 |
| Moores Insurance Management, Inc. | Travelers | 380 SAINT PETER ST ST 720, ST PAUL, 55102 | 651-255-6800 |
| Tim Dyrhaug | State Farm | 2175 St Clair Ave, Saint Paul, 55105-1134 | 651-690-1711 |
| Tim Dyrhaug | State Farm | 2175 St Clair Ave, Saint Paul, 55105-1134 | 651-690-1711 |
| Wiessner Inc | Travelers | 640 SMITH AVE S, ST PAUL, 55107 | 651-222-6123 |
| Tara Jo Olson Lutcf | Liberty Mutual | 1250 Northland Dr. Ste. 130, Mendota Heights, 55120 | 1-651-578-0221 |
South St. Paul, MN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$73 | $1,737 |
| Driver's Failure In Showing Documents | +$161 | $1,825 |
| Driving With An Expired Registration | +$171 | $1,835 |
| Driving At A Considerably Slow Pace | +$361 | $2,025 |
| Using A Cellphone While Driving | +$381 | $2,045 |
| Running A Red Light | +$388 | $2,052 |
| Speeding | +$408 | $2,072 |
| Driving A Vehicle Without The Required Permission | +$518 | $2,182 |
| Driving With An Expired/Suspended License | +$1,122 | $2,786 |
South St. Paul, MN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,597 |
| Active Disabling Device | $1,597 |
| Tracking Device | $1,564 |
| Passive Disabling Device | $1,548 |
Latest Auto Insurance Reviews in South St. Paul, MN | Back to Top
Amica Mutual InsuranceThe premium is very similar to other car insurance companies. I verify this by "online shopping" every year before my policy renews every six months.
Ameriprisethe only thing is that they do not have local offices. everything wants to be cloud-based these days and it is a little annoying, but the savings and service are there with this one so it is not that big of a deal.