West St. Paul, MN Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in West 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 West 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.
- West St. Paul, MN Auto Insurance Rates
- West St. Paul, MN Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in West St. Paul, MN
- Multi Vehicle Insurance Savings in West St. Paul, MN
- How Credit Score Affects Car Insurance Rates in West St. Paul, MN
- How DUI Affects Auto Insurance Premiums in West St. Paul, MN
- Top Auto Insurance Agents Near West St. Paul, MN
- How Driving Violations Affect Auto Insurance Rates in West St. Paul, MN
- West St. Paul, MN Auto Insurance Discounts on Anti Theft Feature
- West St. Paul, MN Auto Insurance Company Reviews
West St. Paul, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in West St. Paul, MN with that of other cities in and around West St. Paul.
| West St. Paul | Mendota Heights | Mendota | Sunfish Lake | Newport | South St. Paul | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,676 | $1,416 | $1,312 | $1,777 | $1,300 | $1,664 |
West 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 West 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) |
|---|---|---|
| West St. Paul | $1,726 | $1,458 |
| Sunfish Lake | $2,164 | $1,828 |
| South St. Paul | $1,794 | $1,516 |
| Mendota Heights | $1,458 | $1,232 |
| St. Paul | $1,319 | $1,114 |
| Mendota | $1,584 | $1,338 |
| Newport | $1,497 | $1,264 |
| Inver Grove Heights | $1,066 | $900 |
West St. Paul, MN Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in West 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 | $5,438 |
| 20 Years | $2,153 |
| 30 Years | $1,659 |
| 40 Years | $1,596 |
| 50 Years | $1,478 |
| 60 Years | $1,498 |
| 70 Years | $1,744 |
West St. Paul, MN Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in West 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 | $2,950 | $402 |
| 3 Vehicles | $4,425 | $603 |
| 4 Vehicles | $5,900 | $804 |
Savings on 2 Vehicles bundle:$402
Savings on 3 Vehicles bundle:$603
Savings on 4 Vehicles bundle:$804
West 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 West St. Paul, MN.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| West St. Paul | $1,676 | $3,060 |
| Sunfish Lake | $1,777 | $3,244 |
| South St. Paul | $1,664 | $3,038 |
| Mendota Heights | $1,416 | $2,585 |
| St. Paul | $1,302 | $2,377 |
| Mendota | $1,312 | $2,395 |
| Newport | $1,300 | $2,374 |
| Inver Grove Heights | $1,080 | $1,972 |
West 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) | $1,438 |
| Excellent (740-799) | $1,641 |
| Good (670-739) | $1,746 |
| Average (580-669) | $2,278 |
| Poor (300-579) | $2,734 |
West 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 |
|---|---|---|---|
| Diana Holdinghausen | State Farm | 1713 Madison Ave Ste 210, Washington, 63090-4921 | 636-239-9500 |
| Mark Ellingson | Allstate | 1690 McKnight Rd N, Maplewood, 55109 | (651) 917-2445 |
| Brian Youmans | State Farm | 6175 Cahill Ave Ste 106, Inver Grove, 55076-1527 | 651-455-4385 |
| Richard Dick Allen | Farmers | 2626 MCMENEMY ST APT B, Little Canada, 55117 | (651) 483-0628 |
| Mark E Meyer | Liberty Mutual | 1250 Northland Drive Suite 130, Mendota Heights, 55120 | 1-952-891-6363 |
| Peter Rosendale | Farmers | 456 Snelling Ave S, Saint Paul, 55105 | (651) 698-7804 |
| Elena Thobani | Liberty Mutual | 1250 Northland Dr. Ste. 130, Mendota Heights, 55120 | 1-651-578-0221 |
| Walt Wombacher | State Farm | 720 Main St Ste 211, Mendota Hts, 55118-1800 | 651-454-6555 |
| Walt Wombacher | State Farm | 720 Main St Ste 211, Mendota Hts, 55118-1800 | 651-454-6555 |
West 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 | +$74 | $1,750 |
| Driver's Failure In Showing Documents | +$163 | $1,839 |
| Driving With An Expired Registration | +$173 | $1,849 |
| Driving At A Considerably Slow Pace | +$364 | $2,040 |
| Using A Cellphone While Driving | +$384 | $2,060 |
| Running A Red Light | +$391 | $2,067 |
| Speeding | +$411 | $2,087 |
| Driving A Vehicle Without The Required Permission | +$521 | $2,197 |
| Driving With An Expired/Suspended License | +$1,130 | $2,806 |
West 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 | $1,609 |
| Active Disabling Device | $1,609 |
| Tracking Device | $1,575 |
| Passive Disabling Device | $1,559 |
Latest Auto Insurance Reviews in West St. Paul, MN | Back to Top
AllstateI've never had an issue so far. I've never had car trouble that needed me to call my insurance.
AllstateI've never had an issue so far. I've never had car trouble that needed me to call my insurance.
MetlifeI dislike that I filed my first claim recently and was straight-up lied to by the representative. I was told that the small claim would have no impact on my premiums and was encouraged to go ahead and file the claim rather than pay for the repair myself out of pocket. At my renewal, my rates more than doubled, and I now have a point on my license for an accident. I called other insurance companies for quotes who all told me that I should have never been given that information, as California state law requires my rates to increase for any claim over $1,000. So I'll be leaving MetLife soon since they apparently lack the ability to be honest.
ProgressiveIt seems to be about $10 cheaper to about the same price of other policies. Offers the same bundles.