St. Cloud, MN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in St. Cloud, 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 St. Cloud, 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.

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St. Cloud, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in St. Cloud, MN with that of other cities in and around St. Cloud.

	St. Cloud	Haven	St. Joseph	St. Augusta	Sartell	Minden
Average Insurance Rates	$1,274	$1,324	$1,282	$1,315	$1,301	$1,302

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St. Cloud, 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 St. Cloud, 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)
St. Cloud	$1,119	$945
Waite Park	$1,633	$1,379
Haven	$1,364	$1,152
Sauk Rapids	$1,018	$860
St. Augusta	$1,673	$1,413
Sartell	$1,843	$1,556
St. Joseph	$939	$793
Minden	$1,745	$1,474

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St. Cloud, MN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in St. Cloud, 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	$4,134
20 Years	$1,637
30 Years	$1,261
40 Years	$1,213
50 Years	$1,123
60 Years	$1,139
70 Years	$1,326

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St. Cloud, MN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in St. Cloud, 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	$2,217	$331
3 Vehicles	$3,325	$497
4 Vehicles	$4,434	$662

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St. Cloud, 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 St. Cloud, MN.

Location	Average Insurance Cost	Post DUI Insurance Rate
St. Cloud	$1,274	$2,326
Waite Park	$1,268	$2,315
Haven	$1,324	$2,417
Sauk Rapids	$1,280	$2,337
St. Augusta	$1,315	$2,401
Sartell	$1,301	$2,375
St. Joseph	$1,282	$2,341
Minden	$1,302	$2,377

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St. Cloud, 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)	$1,093
Excellent (740-799)	$1,248
Good (670-739)	$1,328
Average (580-669)	$1,732
Poor (300-579)	$2,078

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St. Cloud, 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
Davina Baldwin	State Farm	6262 Boone Ave N, Brooklyn Park, 55428-2729	763-535-4788
Davina Baldwin	State Farm	6262 Boone Ave N, Brooklyn Park, 55428-2729	763-535-4788
Brandon Sochor	Farmers	7040 Lakeland Ave N Ste 206, Brooklyn Park, 55428	(763) 571-6626
Kaplan Insurance Agency Inc	Travelers	3555 PLYMOUTH BLVD STE 118, PLYMOUTH, 55447	763-746-5000
Mark Ylitalo	Farmers	3251 Fernbrook Ln N, Plymouth, 55447	(763) 541-0478
Oakwood Insurance Agency, Inc.	None	Po Box 196, Champlin, 55316	None
Tom Sullivan	State Farm	530 Central Ave, Osseo, 55369-1129	763-566-3600
Jeffrey Greene	Farmers	9676 63rd Ave N, MAPLE GROVE, 55369	(763) 533-2854

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St. Cloud, 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	+$56	$1,330
Driver's Failure In Showing Documents	+$124	$1,398
Driving With An Expired Registration	+$131	$1,405
Driving At A Considerably Slow Pace	+$276	$1,550
Using A Cellphone While Driving	+$292	$1,566
Running A Red Light	+$297	$1,571
Speeding	+$312	$1,586
Driving A Vehicle Without The Required Permission	+$396	$1,670
Driving With An Expired/Suspended License	+$859	$2,133

St. Cloud, 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	$1,223
Active Disabling Device	$1,223
Tracking Device	$1,198
Passive Disabling Device	$1,185

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Latest Auto Insurance Reviews in St. Cloud, MN | Back to Top