Cheap Auto Insurance Quotes in Saint Paul, MN (2021)

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Car Insurance in Saint Paul, MN

The average cost of Minnesota car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Saint Paul, MN to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$145
$153
$160
$167
$171
StillwaterMidvale Home & AutoProgressiveKemper PreferredSafeco
Monthly $

Cheapest Car Insurance in Saint Paul, MN

Here are the cheapest carriers in Saint Paul for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$141
$157
$119
$127
$122
$179
MinnesotaMinneapolisRochesterDuluthEden PrairieSaint Paul
Monthly $

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Saint Paul, MN Driving Facts

minnesota

Minimum Car Insurance Requirements in MN

All motor vehicles operated or parked on Minnesota roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Minnesota are as follows:

  • $30,000 per person/$60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Minnesota state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Minnesota law.

  • $10,000/accident for Property Damage (PD)

The state minimum amount of property damage liabiltiy coverage required in the state of Minnesota is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage are required in Minnesota. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Minnesota, the legally required level of Uninsured Motorist coverage is:

  • $25,000 per person/$50,000 per accident for Bodily Injury

Personal injury protection covers the costs of medical bills resulting from a car accident. If you are injured in a car accidentPersonal Injury Protection (PIP) pays for contributes towards medical expenses and other related costs. In MinnesotaPIP Coverage can help with medical expenses from injuries suffered in an auto accident, lost wages due to missed time at work, and replacement services to assist in domestic work you could have done on your own before you were injured. In MinnesotaPIP coverage is mandatory unless explicitly declined in a waiver.

  • $20,000 Medical Expense per person
  • $20,000 Economic Loss per person

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Insurify Insights: How Saint Paul Drivers Measure Up

toyota
Toyota Camry
Most Popular Car in
Saint Paul, MN
suspended licenses
#3
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Saint Paul drivers measure up to their fellow Minnesota motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Saint Paul

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Saint Paul drivers rank 3 in the number of car accidents per driver across all cities in Minnesota.

  • Rank within state: #3
  • Percent of drivers in Saint Paul with an accident: 9.37%
  • Drivers in Saint Paul, MN with an accident in their driving history paid on average 17.96% more than drivers with a clean record

Speeding Saint Paul

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Minnesota, Saint Paul drivers rank 4 in the number of speeding infractions per driver.

  • Rank within state: #4
  • Percent of drivers in Saint Paul with a speeding ticket: 10.14%
  • Drivers in Saint Paul, MN with a speeding ticket in their driving history paid on average 25.15% more than drivers with a clean record

DUI/DWIs Saint Paul

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Saint Paul drivers rank 4 in the number of DUI’s per driver across all cities in Minnesota.

  • Rank within state: #4
  • Percent of drivers in Saint Paul with a DUI: 3.2%
  • Drivers in Saint Paul, MN with a DUI in their driving history paid on average 16.17% more than drivers with a clean record

Rude Saint Paul

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Minnesota, Saint Paul drivers rank 2 in rude driving infractions.

  • Rank within state: #2
  • Percent of drivers in Saint Paul with a reckless driving violation: 1.7%
  • Drivers in Saint Paul, MN with a reckless driving violation in their driving history paid on average 46.71% more than drivers with a clean record.

Safest Drivers Saint Paul

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Saint Paul drivers rank 2 in clean driving records across all cities in Minnesota.

  • Rank within state: #2
  • Percent of drivers in Saint Paul with clean record: 80.53%

Failure to Yield the Right of Way Saint Paul

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Saint Paul drivers rank 1 in failure to yield violations per driver across all cities in Minnesota.

  • Rank within state: #1
  • Percent of drivers in Saint Paul with a failure to yield violation: 0.39%
  • Drivers in Saint Paul, MN with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Saint Paul

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Minnesota, Saint Paul drivers rank 1 in the number of reckless driving offenses per driver.

  • Rank within state: #1
  • Percent of drivers in Saint Paul with a reckless driving offense: 0.04%

Most Popular Vehicle Saint Paul

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Saint Paul is the Toyota Camry.

Green Driving in Saint Paul, MN

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

Clean Energy Economy MN has recently found that renewables now account for a quarter of Minnesota's energy, and the business of green energy is booming across the state. The industry employs tens of thousands of Minnesotans. The state of Michigan offers many green driver incentives, including federal tax credits, rebates, and discounts through some car insurance carriers.

Greenes Cities

Saint Paul

Greenes Cities
% of Hybrids / Electrics
2%

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.