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Cheapest car insurance in Saint Cloud, Minnesota (Oct 2023)
Cheapest car insurance in Saint Cloud, Minnesota (Oct 2023)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Saint Cloud.
Find Insurance Savings (100% Free!)
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- Cheapest Car Insurance Quotes in Saint Cloud
- Best Car Insurance Companies in Saint Cloud
- Best cheap car insurance quotes in Saint Cloud
- Average cost of car insurance in Saint Cloud
- Car insurance quotes in Saint Cloud by rating factors
- How Do Different Factors Impact Your Car Insurance Costs in Saint Cloud?
- Cheap car insurance quotes in Saint Cloud after driving violations
- Cheap car insurance quotes in Saint Cloud by age
- Cheap car insurance quotes in Saint Cloud based on insurance history
- Cheap car insurance quotes in Saint Cloud for popular cars
- How to lower car insurance costs in Saint Cloud
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
Cheapest Car Insurance Quotes in Saint Cloud
On average, auto insurance in Saint Cloud costs about $148 per month for minimum coverage liability insurance and about $148 per month for full coverage insurance. Saint Cloud drivers pay 4% less than the
Minnesota
average. Finding an affordable
car insurance
policy is a great way to minimize your auto-related expenses. However, it's important to note that no single "cheapest" car insurance provider suits every driver. To ensure you find the best price for personalized coverage, you’ll need to diligently compare
auto insurance quotes
from various insurance companies before purchasing a policy.Thankfully, Jerry Insurance Agency assists Minnesota drivers in navigating their options through a user-friendly insurance comparison app. Jerry can efficiently review and analyze multiple quotes, empowering you to select the best car insurance company for your needs and budget.
| Quote Date | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
September 28, 2023 | Travelers | $149 | Jason, 25 Zip: 56301 | Hyundai Sonata SE | • 100,000/300,000 Liability • Comp / Collision |
September 23, 2023 | Safeco | $109 | Dale, 54 Zip: 56301 | KIA Soul | • 100,000/300,000 Liability • Comp / Collision |
September 20, 2023 | State Auto | $192 | Rose, 37 Zip: 56304 | Saturn ION Level 2 | • State Minimum Liability • Comp / Collision |
September 18, 2023 | Progressive | $116 | Adelaide, 37 Zip: 56303 | Cadillac CTS Performance Collection | • 100,000/300,000 Liability • Comp / Collision |
September 17, 2023 | Allstate | $95 | Ella, 54 Zip: 56301 | Jeep Commander | • 100,000/300,000 Liability |
Last Updated Sep 28, 2023How'd we get this data?
Real Insurance Agents
Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).
Real Insurance Quotes
Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.
Real Insurance Companies
We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.
Best Car Insurance Companies in Saint Cloud
Finding the best insurance provider in Saint Cloud may be overwhelming, so Jerry conducted the largest and most extensive insurance shopping survey in the nation.
We spoke to more than 15,000 policyholders in 50 states about 87 insurance providers—and here’s what we found: Ultimately, no single car insurance company can be considered the best or cheapest for every driver.
Instead, insurance rates are highly personalized and vary depending on individual circumstances.
Many Minnesotans will claim
State Farm
as the cheapest provider in the state, but other drivers are less impressed with the company’s deals.According to our research findings, North Star Mutual, State Farm, and American Family are among the most affordable car insurance companies in Saint Cloud, Minnesota.
Curious about what Saint Cloud drivers think about these providers? Check out what they have to say!
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.8 | 4.8 | N/A | 4.8 |
Geico | 4.8 | 3.7 | N/A | 4 |
| Travelers | 3.7 | N/A | N/A | |
| Progressive | 3.7 | 3.5 | 4.1 | 3.8 |
State Farm | 3.7 | 2.6 | N/A | 4 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If you’re looking for a fast and easy way to find the cheapest rates in Saint Cloud, try using a car insurance comparison app or website.
Jerry is a top-rated insurance agency that offers a straightforward app that auto owners can use to
shop for car insurance
and explore their motorist coverage options. Moreover, Jerry provides end-to-end service—helping you register for your new policy and even canceling your old one on request.Jerry also offers comprehensive assistance throughout the process, from helping you register for a new policy to facilitating the cancellation of your old one upon request. With Jerry, you can experience a seamless and convenient insurance service that caters to all your needs.
Best cheap car insurance quotes in Saint Cloud
Every single driver in the Land of 10,000 Lakes is legally required to carry a specified amount of liability coverage—but, in most circumstances, we highly recommend adding additional types of coverage as a safety net.
Cheap minimum liability insurance quotes in Saint Cloud
Like most U.S. states,
Minnesota car insurance law
requires all drivers to meet all minimum car insurance requirements before hitting the road. This includes the following:Jerry has helped car drivers in Saint Cloud who use Jerry to secure affordable minimum liability insurance plans.
Leila (21 years old)
$125
per month
Rose (37 years old)
$192
per month
Do you need more than minimum coverage in Saint Cloud?
The best car insurance policy likely includes more than the minimum liability coverage.
If you are in an at-fault accident, you could be responsible for paying medical bills and vehicle repairs that cost far more than the state-mandated 30/60/10 coverage limits, especially if the vehicle is totaled or the driver is severely injured. Thus, raising your coverage level offers better protection.
The bottom line: Invest in 100/300/100 liability coverage for optimal protection—even if you choose to forego full coverage.
Cheap full coverage car insurance quotes in Saint Cloud
Full coverage
isn’t legally required in {city}, but it will provide valuable coverage if you happen to be injured—or your vehicle happens to be damaged—in an at-fault accident. Full coverage includes
comprehensive
and collision coverage
. Collision coverage provides financial assistance for repairing or replacing your vehicle that has been damaged in an accident. On the other hand, comprehensive coverage offers coverage for damages caused by almost everything else—vandalism, environmental factors, and even theft.
Remember that if you lease or finance a vehicle, your auto loan provider will likely require you to maintain full coverage until your loan is paid off.
We’ve helped our users in Saint Cloud, Minnesota, secure affordable full coverage policies.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Progressive | $116 | Adelaide, 37 Zip: 56303 | Cadillac CTS Performance Collection |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $109 | Dale, 54 Zip: 56301 | KIA Soul |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $149 | Jason, 25 Zip: 56301 | Hyundai Sonata SE |
• 50,000/100,000 Liability • Comp / Collision | Nationwide | $69 | Gussie, 30 Zip: 56301 | Hyundai Sonata GLS |
• State Minimum Liability • Comp / Collision | Bristol West | $138 | Ophelia, 37 Zip: 56304 | Saturn ION Level 2 |
Last Updated Sep 28, 2023
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Saint Cloud
Jerry has found that the average cost for minimum liability coverage is $148 per month or $1,770 per year in Saint Cloud, Minnesota. The average annual premium for full coverage is $1,770, totaling about $148 monthly.
While average insurance rates can give you a rough idea of your insurance expenses, it's important to note that individual drivers' insurance premiums are influenced by multiple factors, such as the type of vehicle, driving record, claims history, and demographic information.
The final insurance costs for each driver can therefore vary significantly.
Average cost of car insurance in Saint Cloud by zip code
When determining your car insurance annual premium, insurance companies consider several factors, including the location where you keep your vehicle.
Insurance costs can vary depending on population density, accident rates, crime statistics, and weather conditions. Insurance premiums can differ among zip codes, even within the same city.
Discover how Jerry Insurance Agency has supported drivers in different cities across Saint Cloud and Minnesota in fulfilling their insurance needs.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
56301 | $69 | $106 |
56303 | $33 | $159 |
56304 | $92 | $161 |
Car insurance quotes in Saint Cloud by rating factors
- Driving history and claims: Insurance providers may charge you higher rates if you have a record of accidents or traffic violations.
- Location: Insurance rates tend to be higher for drivers residing in cities than those in rural areas. Different ZIP codes within the same city may also have varying insurance rates.
- Vehicle type: Luxury, high-performance, and sports cars generally come with higher insurance costs for collision and comprehensive coverage.
- Vehicle usage: Insurance companies may charge higher premiums if you use your car for commuting to work or if you have a higher annual mileage than leisure usage.
- Credit score: A good credit score is often associated with lower insurance premiums, as it indicates financial responsibility.
Keep in mind that these factors can differ among insurance providers. Therefore, it is recommended to directly contact insurance companies or use an online comparison tool to get personalized quotes that suit your needs.
How Do Different Factors Impact Your Car Insurance Costs in Saint Cloud?
How Do Different Factors Impact Your Car Insurance Costs in Saint Cloud?
Allowed (with applicable limitations): Driving experience, gender, age, occupation, credit history, education, marital status.
Prohibited (or effectively prohibited): Employment status, residential status.
Learn more abut the car insurance rating factors in Saint Cloud:
Cheap car insurance quotes in Saint Cloud after driving violations
Your driving history is crucial in determining the quotes for your auto insurance. If insurance companies notice a history of violations, they perceive you as a higher-risk driver, and you’ll be charged higher insurance premiums.
Some of the most common traffic violations that can increase your car insurance rates include:
- Speeding
- DUIs
- At fault accidents
- Reckless driving
Cheapest car insurance in Saint Cloud after DUI
DUI violations in Minnesota
typically lead to a more substantial increase in car insurance rates than other violations. It is often a good idea to compare rates from multiple insurers to find the most affordable options after a DUI, and Jerry can make hunting for the cheapest provider much simpler.
Nancy (21 years old)
$176
per month
Cheapest car insurance in Saint Cloud after an at-fault accident
Your car insurance rates are significantly influenced by your car accident or claim history.
Insurance companies carefully review your past at-fault accidents to assess the level of risk you represent as an insured individual. If you have recently been involved in an at-fault accident, your car insurance rates can experience a substantial increase.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
At Fault With Injury | Kemper | $78 | Robert, 31 Zip: 56301 | Chevrolet HHR LT | • State Minimum Liability |
At Fault With No Injury | Progressive | $116 | Melvin, 37 Zip: 56303 | Cadillac CTS Performance Collection | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Bristol West | $127 | Matthew, 29 Zip: 56304 | Dodge Stratus SXT | • 100,000/300,000 Liability |
At Fault With No Injury | Travelers | $149 | Joseph, 25 Zip: 56301 | Hyundai Sonata SE | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Oct 2, 2023Cheapest car insurance in Saint Cloud after other driving violations
In addition to speeding tickets and DUIs, other infractions, such as careless driving and driving with a
suspended license
, can also lead to higher car insurance expenses in {city}.We’ve helped drivers in {Saint Cloud discover ways to save on their car insurance, even if they have offenses on their Minnesota driving record.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $65 | Tony, 31 Zip: 56304 | Volkswagen Passat SE | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 27, 2023Cheap car insurance quotes in Saint Cloud by age
Due to their limited driving experience,
insurance rates for young drivers
are often significantly high. However, as individuals age 25, their insurance rates generally decrease. Once individuals reach the age of 75, car insurance costs tend to rise again. Cheapest car insurance in Saint Cloud for young drivers
In Minnesota, the age group of 16 to 19 typically faces the highest insurance rates compared to other age groups.
For teen drivers who own newer vehicles, it is advisable to consider opting for full coverage insurance. Why? Teens are more likely to be involved in accidents than other age groups. Full coverage insurance provides greater financial protection in such situations.
We know
finding affordable insurance as a teen
can be tricky—that’s why Jerry is here. See how we helped Saint Cloud teens find the perfect insurance policy.Leila (21 years old)
$125
per month
Millie (21 years old)
$442
per month
Cheapest car insurance in Saint Cloud for senior drivers
Typically, we see higher
car insurance rates for seniors
in their mid-70s and older. Older drivers have a heightened susceptibility to accidents and are more likely to sustain severe injuries in the event of a collision. Consequently, insurance providers face substantial medical expenses and higher costs, resulting in elevated car insurance rates.
Sylvia (66 years old)
$67
per month
Cheap car insurance quotes in Saint Cloud based on insurance history
Your insurance history is a significant factor in determining your car insurance rates, especially in terms of whether you currently have coverage or not. Typically, having a
gap in your insurance coverage
leads to higher insurance rates.Jerry sends payment reminders to eligible customers to support Saint Cloud drivers in making timely insurance payments and preventing coverage gaps. These reminders are sent when a payment is approaching or if they have fallen behind on their payments.
We’ve helped many customers who are currently uninsured or have experienced coverage lapses in finding opportunities to save on a new policy.
Cecilia (37 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Saint Cloud, MN (Zip Code: 56303)$116
per month
Teresa (30 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Saint Cloud, MN (Zip Code: 56301)$69
per month
Marguerite (29 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Saint Cloud, MN (Zip Code: 56304)$127
per month
Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Great affordable car insurance
Joseph
What needs to be said AAA the standard in the industry
Adam
Saved Quite a Bit of Money using Jerry
Evan
Easy to get coverage and affordable!
Alfonse
Cheap car insurance quotes in Saint Cloud for drivers with poor credit
In Saint Cloud, Minnesota, individuals with lower credit scores often face higher insurance costs than those with higher credit ratings, even though credit scores do not directly indicate driving proficiency. Insurance companies have observed a relationship between low credit scores and an increased frequency of filed claims by drivers.
Based on our data, the national average car insurance premium for individuals in the highest credit bracket (over 750) is approximately 20% higher than the average cost for individuals with lower credit scores (under 550).
See how Jerry has helped Saint Cloud drivers with poor credit find cheap car insurance.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $125 | Madge, 21 Zip: 56301 | Acura RSX | • State Minimum Liability |
660 - 750 | State Auto | $67 | Nell, 66 Zip: 56301 | Toyota Corolla | • 100,000/300,000 Liability |
660 - 750 | State Auto | $67 | Derrick, 66 Zip: 56301 | Toyota Corolla | • 100,000/300,000 Liability |
550 - 659 | Safeco | $109 | Alan, 54 Zip: 56301 | KIA Soul | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Oct 3, 2023Your choice of vehicle has a significant impact on your car insurance premiums. Several factors associated with the type of car affect insurance costs, including repair or replacement costs, the likelihood of theft, and the vehicle's overall safety performance.
Popular makes and models in Minnesota include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota Corolla | State Auto | $67 | Dollie, 66 Zip: 56301 | • 100,000/300,000 Liability |
Last Updated Oct 3, 2023How to lower car insurance costs in Saint Cloud
You won’t know you’ve found the best deal without comparing auto insurance quotes. Try to
shop for car insurance quotes
with at least three different providers every six months.If you want to comparison shop in minutes with just a few taps, download Jerry. You’ll receive the most competitive quotes in Saint Cloud that’ll take the guesswork out of your hunt for cheap rates.
2. Hunt for car insurance discounts
A great
car insurance discount
is the difference between dreading your monthly bills and… well, not celebrating them, but maybe tolerating them. Take a look at these programs to lower your rates:- Good driver discounts: You're due for some savings if you've held aclean driving recordfor at least three years.
- Telematics device discounts: Telematics devices reward calm and mellow driving habits over hard braking and speeding.
- Good student discounts: College and high school students with a B average or better can save money on car insurance.
- Insurance bundle discounts: You could save money if youbundle your home and auto insuranceproducts from the same provider.
Increasing your deductible is an easy way to reduce your monthly payment without sacrificing coverage.
Why is car insurance in Saint Cloud so expensive?
Are you noticing that your Saint Cloud car insurance rates seem slightly high? Here are some potential explanations:
- Dense cities: If you live in a major city, you likely suffer from more traffic congestion and a higher probability of accidents. This typically results in increased insurance premiums.
- Pricey healthcare: What does the cost of Minnesota medical care have to do with car insurance? Medical expenses associated with accidents and injuries are factored into coverage auto coverage costs.
- Rate of car thefts: Regions with an increased incidence of car thefts can lead to steeper insurance costs as insurers compensate for the higher risk of vehicle loss or damage.
- High risk of natural disasters: Minnesota is subject to various natural disasters, from blizzards to wildfires, to tornadoes—all of which can cause expensive damages to your vehicle.
Considering these factors, it is not uncommon for car insurance in Saint Cloud, Minnesota, to be relatively expensive compared to other regions.
FAQ
How much is car insurance in Saint Cloud?
People living in Saint Cloud pay on average $148 per month – or $1,770 per year – on state-minimum liability coverage. Full coverage in Saint Cloud costs on average $148 per month of $1,770 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the minimum car insurance in Saint Cloud, Minnesota?
The state-minimum car insurance in Saint Cloud, Minnesota is as follows:
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These coverages are commonly referred to as 50/100/25 coverage.
What is the cheapest car insurance in Saint Cloud?
Based on thousands of Saint Cloud drivers Jerry has worked with, car insurance in Saint Cloud costs an average of $148 per month for state-minimum coverage and $148 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Saint Cloud?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, Farmers, and The General receive good ratings from Saint Cloud drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
