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Best cheap car insurance in St. Paul for 2022

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In 2019, there were 9,363 car accidents in Ramsey County, home to St. Paul, Minnesota. Every driver in St. Paul is required to carry car insurance, regardless of how often they drive, or what type of car they own. The average cost of car insurance in St. Paul is $829 per year for a minimum coverage policy and $1,948 for a full coverage policy.

Drivers in St. Paul have a variety of choices when it comes to auto insurance. We looked at some of the largest car insurance companies and compared them based on average price, discounts, coverage options and third-party ratings to find the best car insurance in St. Paul.

Best car insurance companies in St. Paul

The best car insurance companies in St. Paul are Auto-Owners, USAA, Geico and State Farm. These providers have below-average rates, good discounts, reliable coverage, excellent financial strength and above-average customer satisfaction ratings from J.D. Power & Associates. Here are the providers from cheapest car insurance for full coverage:

Insurance company J.D. Power customer satisfaction score
(Central region)
Average annual premium for minimum coverage Average annual premium for full coverage
Auto-Owners 845 / 1,000 $684 $1,669
USAA 897 / 1,000 $658 $1,674
Geico 845 / 1,000 $807 $1,955
State Farm 847 / 1,000 $872 $1,594


Auto-Owners is one of the highest-rated auto insurance company for overall customer satisfaction in the Central region (which includes Minnesota), according to J.D. Power. Auto-Owners also offers affordable rates, with an average full coverage premium of $1,669 and an average minimum coverage premium of $684, which is well below average.

Car insurance policies from Auto-Owners are comprehensive, with a variety of optional coverages for additional protection. Plus, the company offers a variety of discounts to help St. Paul drivers save money on their policy. The only downside to Auto-Owners is that you must work with an agent to get a quote or purchase a policy.

Learn more: Auto-Owners Insurance review


USAA caters specifically to active duty and retired military personnel, as well as their spouses and children. St. Paul drivers who qualify for USAA car insurance can take advantage of the company’s low rates, excellent customer service and great discounts.

Some of the discounts available from USAA include savings for good students, reduced mileage, taking a defensive driving course, bundling your policies and garaging your vehicle on base. In fact, drivers save an average of $725 per year when they switch to USAA. USAA’s coverage is fairly limited, but you can get free accident forgiveness after five years of being claims-free.


Geico is highly rated by J.D. Power and has an A++ financial strength rating from AM Best, which is the highest score possible. In addition to its impressive third-party ratings, Geico also stands out for its generous discounts. The average Geico premium is on par with the average premium in St. Paul, but drivers can lower their rate with Geico’s savings opportunities.

Some of Geico’s unique discounts include savings for military personnel, federal employees, employee/membership groups and going on emergency deployment. It also offers standard savings for policy bundling, being a good student and being claims-free. One thing to know about Geico, however, is that the coverage is basic, and there are only a few endorsements.

Learn more: Geico Insurance review

State Farm

State Farm is the largest car insurance company in the country, and it is one of the highest-rated. State Farm is known for its great customer service, and in St. Paul, it is also one of the cheapest providers. The average full coverage policy from State Farm is $353 cheaper than the citywide average rate in St. Paul.

State Farm offers a good combination of coverage options and discounts. There are also two safe driver discount programs, Steer Clear for drivers under 25 and Drive Safe & Save for drivers over 25. You can also get rideshare insurance through State Farm if you drive for a service like Uber or Lyft.

Learn more: State Farm Insurance review

Cheapest car insurance in St. Paul

The average cost of car insurance in St. Paul is more expensive than the average rate in Minnesota, which is $1,643 for a full coverage policy and $137 for a minimum coverage policy. St. Paul drivers also pay more for car insurance than the average American driver. The average premium in the United States is $1,674 per year.

However, car insurance companies in St. Paul charge different rates for coverage. On top of that, every driver pays a different rate based on personal factors, like their credit score, age and claim history.

In the table below, we highlighted the cheapest car insurance in St. Paul from popular carriers based on market share.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $658 $1,674
Auto-Owners $684 $1,669
AAA $685 $1,920
Geico $807 $1,955
American Family $825 $1,522

St. Paul drivers who are looking for the cheapest car insurance in Minnesota should take some time to compare providers before settling on one carrier. Not all insurance providers are created equal.

For example, USAA offers low-cost policies, but you must be affiliated with the military in order to get coverage. For civilians, American Family or Auto-Owners could be a better choice. If you are looking for a company that offers special endorsements, we recommend Auto-Owners, American Family or AAA, because USAA and Geico have fairly limited coverage options.

All of these companies offer discounts that can help drivers get a lower premium, but the specific discounts available will vary. For instance, Geico is the only company that offers a discount for federal employees, and AAA is the only provider that offers a discount for AAA members.

St. Paul insurance requirements

Car insurance in Minnesota is a legal requirement. Drivers in St. Paul must carry at least 30/60/10 liability insurance, which includes the following coverages:

  • $30,000 in bodily injury coverage per person
  • $60,000 in bodily injury coverage per accident
  • $10,000 in property damage coverage per accident

In addition, Minnesota is a no-fault state, which means drivers are required to carry personal injury protection (PIP). The minimum PIP coverage limit is $40,000, which includes $20,000 for medical expenses and $20,000 for non-medical expenses, like lost wages if you get injured and cannot work.

St. Paul drivers who purchase a minimum coverage policy might pay lower rates. However, insurance companies recommend that most drivers choose coverage limits above the minimum threshold.

There is no guarantee that a minimum coverage policy in St. Paul will cover the full cost of an at-fault accident. Also, drivers who lease or finance their vehicle are usually required to carry full coverage insurance until their loan is repaid.

Car insurance discounts in St. Paul

Most car insurance companies in St. Paul offer discounts that can help drivers get a lower rate. Here are some common discounts that can help you get cheap car insurance:

  • Pay in full discount: If you can afford to pay your annual premium upfront and in full, rather than in monthly installments, most insurance providers will lower your rate.
  • Good student discount: High school and college students who maintain a minimum GPA often qualify for a discount.
  • Claim-free discount: Drivers who have no recent claims on their record will usually get rewarded with a lower premium.
  • Policy bundling discount: One of the best ways to get lower premiums is to bundle your auto and home or renters insurance policy with the same company.

Frequently asked questions

What is the best car insurance company?

The best car insurance company is different for every driver. It depends on what type of coverage you need, what discounts you can qualify for and your budget.

How much does car insurance in St. Paul cost?

The average car insurance premium in St. Paul is $829 per year for a minimum coverage policy and $1,948 for a full coverage policy. However, you might pay more or less depending on your age, credit score, claim history, coverage limits and deductible.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, and NextAdvisor, among others
Edited by
Loans Editor