St. Paul, MN Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in 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 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.
- St. Paul, MN Auto Insurance Rates
- St. Paul, MN Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in St. Paul, MN
- Multi Vehicle Insurance Savings in St. Paul, MN
- How Credit Score Affects Car Insurance Rates in St. Paul, MN
- How DUI Affects Auto Insurance Premiums in St. Paul, MN
- How Driving Violations Affect Auto Insurance Rates in St. Paul, MN
- St. Paul, MN Auto Insurance Discounts on Anti Theft Feature
- St. Paul, MN Auto Insurance Company Reviews
St. Paul, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in St. Paul, MN with that of other cities in and around St. Paul.
| St. Paul | Ramsey County | Roseville | Little Canada | Falcon Heights | West St. Paul | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,302 | $1,316 | $1,183 | $1,312 | $1,365 | $1,676 |
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 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) |
|---|---|---|
| St. Paul | $1,319 | $1,114 |
| West St. Paul | $1,726 | $1,458 |
| Falcon Heights | $1,101 | $930 |
| Ramsey County | $1,599 | $1,350 |
| Mendota Heights | $1,458 | $1,232 |
| Mendota | $1,584 | $1,338 |
| Roseville | $1,537 | $1,298 |
| Little Canada | $1,474 | $1,245 |
St. Paul, MN Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in 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 | $4,225 |
| 20 Years | $1,673 |
| 30 Years | $1,289 |
| 40 Years | $1,240 |
| 50 Years | $1,148 |
| 60 Years | $1,164 |
| 70 Years | $1,355 |
St. Paul, MN Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in 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 | $2,292 | $312 |
| 3 Vehicles | $3,437 | $469 |
| 4 Vehicles | $4,583 | $625 |
Savings on 2 Vehicles bundle:$312
Savings on 3 Vehicles bundle:$469
Savings on 4 Vehicles bundle:$625
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 St. Paul, MN.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| St. Paul | $1,302 | $2,377 |
| West St. Paul | $1,676 | $3,060 |
| Falcon Heights | $1,365 | $2,492 |
| Ramsey County | $1,316 | $2,403 |
| Mendota Heights | $1,416 | $2,585 |
| Mendota | $1,312 | $2,395 |
| Roseville | $1,183 | $2,160 |
| Little Canada | $1,312 | $2,395 |
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) | $1,117 |
| Excellent (740-799) | $1,275 |
| Good (670-739) | $1,357 |
| Average (580-669) | $1,770 |
| Poor (300-579) | $2,124 |
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 | +$57 | $1,359 |
| Driver's Failure In Showing Documents | +$126 | $1,428 |
| Driving With An Expired Registration | +$134 | $1,436 |
| Driving At A Considerably Slow Pace | +$283 | $1,585 |
| Using A Cellphone While Driving | +$298 | $1,600 |
| Running A Red Light | +$303 | $1,605 |
| Speeding | +$319 | $1,621 |
| Driving A Vehicle Without The Required Permission | +$405 | $1,707 |
| Driving With An Expired/Suspended License | +$878 | $2,180 |
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 | $1,250 |
| Active Disabling Device | $1,250 |
| Tracking Device | $1,224 |
| Passive Disabling Device | $1,211 |
Latest Auto Insurance Reviews in St. Paul, MN | Back to Top
ProgressiveOne of the reasons that I have remained with Progressive is their loyalty program. Because I have been with the company for so long, I now have both small and large accident forgiveness.
ProgressiveI would recommend them because they offer coverage that is useful for people. They have options so that people can personalize their insurance without worry.
Liberty MutualThey respond to issues when I break down and have a towing company assisting within the hour. They are helpful and friendly in every conversation that I have had with them.
AmeripriseI recommend this company because their rates are excellent and when my daughter had a claim on her policy, they quickly paid the claim and waived her deductible.
West Bend Mutual InsuranceI would recommend my car insurance to someone else. This company does not have the same brand recognition as a larger company, but can beat others on service and price.
State FarmLike my homeowners insurance, I feel the deductible is high, but I believe that to be on par with pretty much all of the large insurance companies.
State FarmLike my homeowners insurance, I feel the deductible is high, but I believe that to be on par with pretty much all of the large insurance companies.
State FarmI like how everything can be done online. Sometimes I want to talk to an actual person though, so I also like how there's a lot of local offices across the nation.
ProgressiveI once had to pay almost $1100 in one sitting because my insurance agent had forgotten to add the second car to my insurance when they stated they did. It was almost a year when it was found out and the payment department wasn't willing to break it up over the course of my regular payments.
American Family InsuranceThey are well known and they are someone to trust. They are experts in the life insurance and I really appreciate the company. And whenever I spoke with the reps, they were quick, courteous and professional.
AllstateI dislike that sometimes they will try to spike my premiums. However, I'm always able to bring it back down once I talk to someone. They will still be someone I use.