How to Find Affordable St Paul Car Insurance
When driving through the bustling city of St. Paul, it is crucial to have reliable car insurance that not only protects you and your vehicle but also fits within your budget. With InsuranceQuotes, comparing multiple car insurance policy rates has never been easier or more efficient. Our real-time cost data allows drivers to make informed decisions about your cheap auto coverage options while saving both money and time in one convenient place. By utilizing our easy-to-use quote form, drivers can find the most affordable auto insurance without compromising on quality or peace of mind. Don’t overlook the importance of finding comprehensive yet affordable coverage for navigating St.Paul’s busy streets – let InsuranceQuotes.com be your trusted resource in securing optimal protection today!
What is the Average Cost for Car Insurance in St Paul, MN?
- On average minimum liability costs for St Paul drivers is $122 a month or $1,465 a year.
- Full coverage policies cost around $309 a month or $3,714 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in St Paul – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Providers in St Paul
- In St Paul on average the cheapest car insurance providers are State Farm, American Family and Owners-Insurance Co. State minimum liability car insurance starts at $54 a month or $647 a year with State Farm. Full coverage car insurance starts at $157 a month or $1,887 a year with American Family.
Here is a breakdown of average costs from the cheapest local insurance providers in St Paul from our cost data set of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| State Farm | $647 | $54 | $2,352 | $196 |
| American Family | $860 | $72 | $1,887 | $157 |
| Owners Insurance | $944 | $79 | $3,740 | $312 |
| All State | $1,031 | $86 | $3,996 | $333 |
| Standard Fire Ins. Co | $1,577 | $131 | $3,408 | $284 |
Minnesota State Minimum Car Insurance Requirements
- Liability Coverage:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $10,000 for property damage per accident
- Personal Injury Protection (PIP):
- $40,000 for medical expenses per person
- $20,000 for non-medical expenses (such as lost wages) per person
- PIP coverage is mandatory in Minnesota and covers medical expenses and lost wages for you and your passengers, regardless of who is at fault in the accident.
- Uninsured/Underinsured Motorist Coverage (UM/UIM):
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
These are the minimum coverage requirements mandated by the state of Minnesota. However, it’s important to note that drivers may choose to purchase higher coverage limits or additional types of coverage for more comprehensive protection.
Additionally, Minnesota also requires drivers to carry proof of insurance in their vehicles at all times and present it when requested by law enforcement officers or other authorities.
