4.7/5 App Store Rating
12,000+ Reviews · Trusted by 3.5M+ Customers

Best Cheap Car Insurance in Saint Paul, Minnesota 2023

Find out if you're getting ripped off on your car insurance in less than two minutes.
No long forms · No spam · No fees
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Single-car drivers in Saint Paul pay an average of $2,652 annually for car insurance. That’s about $221 per month to insure your car.
Minnesota’s capital city of Saint Paul is often paired with neighboring Minneapolis under the epithet “The Twin Cities.” The two share a booming and diverse population, major economic and transportation hubs, and, higher than average car insurance rates.
Whether you stick to your state’s minimum liability requirements or opt for a full-coverage policy with comprehensive and collision insurance, your home state plays a big role in determining how much you pay to protect your wallet against car-related expenses.

Best car insurance companies in Saint Paul

There’s no single company that offers the best rate to everyone in Saint Paul . If you’ve recently moved or are looking to optimize your coverage, the best option is to compare multiple quotes from different companies.
Take a look at the table below for comparison of real Jerry customers’ rates in Saint Paul :
Insurance Company
Average Cost
Annual Savings with Jerry
State Auto$2,982$777
Compare Prices
No matter what provider you choose, you’ll need to meet your state’s minimum legal requirements for car insurance. In most cases, that means buying a certain amount of liability insurance, but you may also need to carry uninsured motorist coverage, medical payments coverage, or personal injury protection.
State requirements and risk assessments associated with zip codes mean your rate could vary not just from state to state or city to city, but block to block! With so many factors at play, finding the best coverage becomes dizzyingly complex.
Here’s what actual Jerry customers pay:
Quote DateCar
Before Jerry
After Jerry
Zip CodeNameAgeInsurance Company
March 27, 2023Ram 1500 Sport$247/mo.$196/mo.55104Clarence B.47Progressive
December 2, 2022Hyundai Tucson GLS$147/mo.$144/mo.55125Leila B.60Progressive
June 27, 2022Toyota Prius$330/mo.$159/mo.55102Leila B.36Bristol West
March 26, 2022Ford Explorer XLT$377/mo.$336/mo.55106Vera G.40State Auto
March 18, 2022Volkswagen Jetta SE$206/mo.$107/mo.55125Ethel L.48Progressive
Jerry helped Craig from Marshall save $863 per year by switching to Gainsco
3 hours ago
Jerry helped Leroy from Granite Falls save $1216 per year by switching to State Auto
an hour ago

How much does car insurance in Saint Paul cost?

Rates for car insurance in the same state can fluctuate wildly depending on your specific zip code. Depending on your city’s demographics—including population density, average age, and accident rate—your car insurance premiums may be much higher or lower than a neighboring city.
Here’s what real Jerry customers paid for car insurance in Saint Paul:
How do Saint Paul insurance rates compare to similar areas? Take a look at the table below to see. 
Let’s break down what makes car insurance in Saint Paul so expensive. The graph below shows how much Minnesota drivers pay, on average, for liability insurance, comprehensive coverage, and collision insurance—the three main elements of what’s called “full coverage car insurance.”
  • Liability coverage, which is the bare minimum required by law, covers repairs and medical expenses for other drivers if you’re in a collision
  • Comprehensive insurance covers repairs to your car caused by something other than a collision (e.g. vandalism, natural disasters, or theft)
  • Collision insurance covers repair costs for your vehicle following a collision with another car or a stationary object
So, how much car insurance does Minnesota require?
Minnesota requires $30,000 per person for bodily injury liability, $60,000 of bodily injury liability per accident, and $10,000 of property damage liability per accident. Drivers are also required to carry $40,000 of personal injury protection (PIP) coverage and uninsured motorist coverage of $25,000 per person and $50,000 per accident.
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Yes, Minnesota is a no-fault state. This means you must carry personal injury protection (PIP) coverage which immediately pays for injuries to you and your passengers regardless of who is at fault for the accident or if you have health insurance. However, fault, or liability, is still a factor for property damage and bodily injury claims.
Take a look at the graph to visualize how much your expenses could increase if you opt for full coverage.
But those are just the minimum requirements you need to avoid a violation. If you’re in an accident, state minimum insurance might not cover all your expenses—especially if you or anyone in your vehicle is injured, or your car sustains significant damage.
That’s why experts generally suggest carrying more than the minimum required coverage. As previously mentioned, so-called “full-coverage” policy typically includes liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
On top of that coverage, you can check out special add-ons to fit your situation, vehicle, and unique needs. Do a lot of driving on remote back roads? Towing and labor coverage could get you out of a tight spot. Work for a rideshare company? Be sure to invest in rideshare insurance. You can even add specialized insurance for your car’s sound system if you’ve got a premium audio setup.

Best car insurance for bad drivers in Saint Paul

Listen, we’re not here to judge. Maybe you had a bad day and ended up with a reckless driving charge or a DUI. Maybe you had a really good day and landed yourself an accidental speeding ticket.
No matter the reasons behind your tickets, even minor traffic violations can have an outsize impact on your insurance premium, especially if they’re repeated. And just one major offense (think DUI) could get you labeled as a “high-risk driver” by your insurance company. Worst of all, that label can follow you for years in some cases—even if you’ve cleaned up your act and drive like a saint.
Even if your driving record is less than stellar (like, a lot less), there are still ways to optimize your rates and coverage to get the policy you need. Here’s how much Jerry customers in Saint Paul with a history of violations saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,575$737
Speeding over 15$3,385$1,450
Improper Passing$3,230$910
Speeding under 15$3,013$876
Defective Equipment$2,640$766
Careless Driving$2,879$695
Driving on Sus. License$2,370$662
Failure to Obey Traffic Sign$2,405$625
Open Container$3,996$551
Cell Phone$3,156$318

Saint Paul driving violation FAQ's

How much is car insurance in Saint Paul with a DUI?

If you have a DUI on your record, your car insurance premium in Saint Paul could increase by as much as 56%.

How much does your car insurance increase after a speeding ticket in Saint Paul?

If you’re caught speeding through Saint Paul and end up with a ticket, you can expect to see your insurance rate jump by about 14%. And keep in mind—repeated speeding tickets could cause an even bigger increase!

Best car insurance in Saint Paul by age

Young people get stereotyped all the time—but when insurance companies do it, it can cost you hundreds of dollars a year!

Best car insurance in Saint Paul for young drivers

That’s because insurance companies use age as a metric for risk. Providers see young drivers as less experienced and more likely to submit claims (i.e., cost them money) than older drivers—so they tend to hike rates for anyone under 25.
Of course, you know that no magic switch it going to flip when you turn 25 to make you a safer driver. You might even be the safest driver you know! But that won’t stop insurance companies from saddling you with a high rate.
To keep your rates low at a young age, check out these simple hacks:
  • Plenty of insurance companies offer good student discounts to anyone under age 25 with a B average or higher. If you’re still in school, your grades could be the key to insurance savings!
  • If you can get on a family plan with an older relative or friend, you’ll benefit from their lower risk rating and get a lower rate on the same coverage.
  • Check for state-approved defensive driving courses. Many insurance companies will give you a discount if you can prove that you’ve attended a course.
  • Play the long game and stick with one insurance company for a few years. If you maintain a good driving record, you could score multiple discounts for loyalty and safe driving!
  • Telematics programs like Jerry’s Drive Well, Earn Perks offer discounts and rewards for safe driving—and instead of basing your savings on your age, it’ll be based directly on how you actually drive!
Want to see how much more you might pay for car insurance in Saint Paul based on your age? Check out the table below.

Car insurance in Saint Paul for your car

Your age and driving record aren’t the only things that determine your car insurance rates in Saint Paul. The vehicle you drive also plays a role.
The Toyota Prius is one of the most popular cars in Minnesota—and it’s cheaper to insure than a lot of the SUVs and electric cars on the road today. But if you drive a minivan, a truck, or a sports car, you might be looking at a higher premium than your other Saint Paul neighbors.
Take a look at the table below for a full rundown of how much insurance for different makes costs in Saint Paul.
Average Cost
Annual Savings with Jerry
Hyundai Sonata SE$3,003$1,288
Chevrolet Silverado K1500 LT$2,313$1,098
Ford F150 Supercrew$2,319$1,045
Dodge Journey Crew$2,228$750
Kia Optima LX$1,972$540

Saint Paul car FAQ's

More people in Saint Paul drive a Chrysler Concorde Lx than any other car! On average, these drivers pay $2,772 for their auto insurance.

What is the most expensive car to insure in Saint Paul?

At an average of $7,097 per year, a Dodge Durango R/T is the most expensive car to insure in Saint Paul. If you drive one, we’re sorry.

Car insurance cost based on where you live in Saint Paul:

Now, we’ve been talking about “drivers in Saint Paul” as if everyone sees the same rates—but in fact, your rate can vary by zip code, making it possible to have a completely different rate from your neighbor two blocks away.
Why? The simple answer: accident rates and property crimes. Maybe your zip code puts you closer to a major road with tons of accidents, or you’re in a hotspot for auto theft. Within Saint Paul, drivers in the 55123, 55111, 55130, 55106 and 55102 zip code typically have the highest car insurance premiums, while the cheapest rates are found in the 55127, 55113, 55121, 55115 and 55122 code.
Want to see the average rates in your zip code? Take a look at the breakdown below.
Quote DateCar
Before Jerry
After Jerry
Zip codeStateNameAgeInsurance Company
March 18, 2022Volkswagen Jetta SE$206/mo.$107/mo.55125MNEthel L.48Progressive
December 2, 2022Hyundai Tucson GLS$147/mo.$144/mo.55125MNLeila B.60Progressive
June 27, 2022Toyota Prius$330/mo.$159/mo.55102MNLeila B.36Bristol West
March 27, 2023Ram 1500 Sport$247/mo.$196/mo.55104MNClarence B.47Progressive
March 26, 2022Ford Explorer XLT$377/mo.$336/mo.55106MNVera G.40State Auto

How can you save money on car insurance in Saint Paul?

Let’s face it: living in Saint Paul means living with higher than average insurance rates. Add that to an already high cost of living overall, and saving money on insurance becomes a great way to free up space in your budget.
Sound impossible? Not at all! Here are a few simple ways to save money on car insurance in Saint Paul.

Compare quotes and shop often

That’s right—shopping for car insurance doesn’t have to be a one-and-done. In fact, experts recommend comparing quotes from at least three companies and shopping for new rates every six months!
Okay, we agree: that sounds like a huge pain, especially if it’s only saving you a few extra dollars each month. That’s why we created Jerry, the world’s first super app for car owners. The Jerry app takes the time, effort, and hassle out of car insurance shopping through the power of technology.
In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best coverage at the best rate for you. Pick the quote you like, and Jerry will handle all the paperwork—we’ll even help you cancel your old policy! Best of all, Jerry conducts routine price monitoring so you never have to worry about shopping for new rates again.
And the savings? The average Jerry user saves over $800 a year just by letting the app do their shopping.

Hunt for discounts

Here’s the one insurance savings hack that requires a little legwork on your part: finding discounts. Every insurance company offers them, but they’re not all the same, and companies often won’t advertise them directly.
That means it’s on you to search for the best discounts for you. Call your insurance company and ask about the following types of discount:
  • Good driver discounts:
    Saint Paul drivers are in luck—state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts:
    You need to prove a long record of safe driving for a state-mandated good driver discount, but many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts:
    Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
  • Bundling discounts:
    You’ve heard it before—bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
These are just some of the most popular car insurance discounts in Minnesota—but it’s not an exhaustive list! Call your agent and ask what other discounts are available.

Increase your deductible

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
If you’re wondering “what is my deductible, actually?”, think of it as the amount you’ll pay out of pocket before insurance kicks in. Keeping your deductible low ensures you won’t have to pay much in the event of an accident—but it also means your monthly costs will be higher.
Raising your deductible will lower your regular payments, and if you’re already practicing safe driving for discounts, it’s a win-win! Just make sure that you have enough to cover the deductible if you do get into an accident—after all, there’s no way to predict and prevent every collision.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free