For a 40-year-old driver with a clean record, St. Paul car insurance averages about $244 a month ($2,931 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 9% above the Minnesota average of $223 a month. Travelers has the lowest full-coverage average of the six major insurers we compared (Allstate, American Family, Auto-Owners, GEICO, State Farm and Travelers), at about $156 a month.
St. Paul costs more than most of Minnesota for our benchmark driver, and Ramsey County is the most expensive of the 64 Minnesota counties we price. Our driver pays about $21 a month more here than the state average and about $9 a month less than in Minneapolis.
Our data covers 29 ZIP codes with a St. Paul mailing address, which includes suburbs such as Eagan, Apple Valley, Roseville and Maplewood, from about $217 a month in 55123 to $293 in 55130.
Cost data comes from the auto rates insurers file with state regulators, priced across all 29 St. Paul ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in St. Paul averages $2,931 a year, or about $244 a month, for our benchmark driver. Liability-only coverage at Minnesota’s 30/60/10 minimum averages $918 a year ($77 a month), and 50/100/50 liability with comprehensive and collision averages $2,862 ($239 a month).
Travelers has the lowest full-coverage average among the six insurers in our St. Paul rate data. The published 2026 statewide Minnesota rate studies we reviewed most often rank Travelers cheapest for full coverage: five of the six we checked put it first, apart from USAA, which sells only to military families. For liability-only coverage at 30/60/10 limits, Auto-Owners has the lowest average among the six major insurers we compared, at about $58 a month, with Travelers close behind at $60.
Full-coverage averages by insurer in St. Paul
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 30/60/10 (Yearly): | Minimum Liability 30/60/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Travelers | $725 | $60 | $1,869 | $156 |
| State Farm | $822 | $69 | $2,209 | $184 |
| Auto-Owners | $696 | $58 | $2,299 | $192 |
| GEICO | $1,036 | $86 | $3,146 | $262 |
| Allstate | $1,359 | $113 | $3,790 | $316 |
| American Family | $871 | $73 | $4,270 | $356 |
| USAA (military families)* | $659 | $55 | $2,265 | $189 |
| Nationwide* | $1,535 | $128 | $2,988 | $249 |
| North Star Mutual* | $743 | $62 | $3,652 | $304 |
| St. Paul average | $918 | $77 | $2,931 | $244 |
This table uses St. Paul ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Across the 29 St. Paul ZIP codes we price, full coverage for our driver ranges from about $217 a month in 55123 to $293 in 55130, a gap of $911 a year. Downtown, North End and East Side ZIP codes such as 55101, 55103 and 55130 are the most expensive in our data, and suburban Dakota County ZIP codes such as 55123 in Eagan and 55124 in Apple Valley are the least expensive.
Lowest-priced St. Paul ZIP codes
Highest-priced St. Paul ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below St. Paul’s average.
| ZIP Code: | Minimum Liability 30/60/10 (Yearly): | Minimum Liability 30/60/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 55101 | $1,085 | $90 | $3,457 | $288 | +18% |
| 55102 | $1,018 | $85 | $3,342 | $279 | +14% |
| 55103 | $1,065 | $89 | $3,457 | $288 | +18% |
| 55104 | $1,013 | $84 | $3,230 | $269 | +10% |
| 55105 | $924 | $77 | $2,962 | $247 | +1% |
| 55106 | $1,080 | $90 | $3,299 | $275 | +13% |
| 55107 | $1,022 | $85 | $3,234 | $270 | +11% |
| 55108 | $921 | $77 | $2,923 | $244 | About average |
| 55109 | $948 | $79 | $2,951 | $246 | +1% |
| 55110 | $828 | $69 | $2,620 | $218 | -11% |
| 55112 | $850 | $71 | $2,735 | $228 | -7% |
| 55113 | $915 | $76 | $2,851 | $238 | -2% |
| 55114 | $996 | $83 | $3,222 | $269 | +10% |
| 55115 | $844 | $70 | $2,656 | $221 | -9% |
| 55116 | $864 | $72 | $2,832 | $236 | -3% |
| 55117 | $952 | $79 | $3,066 | $256 | +5% |
| 55118 | $859 | $72 | $2,751 | $229 | -6% |
| 55119 | $980 | $82 | $3,090 | $258 | +6% |
| 55120 | $847 | $71 | $2,652 | $221 | -9% |
| 55121 | $822 | $69 | $2,684 | $224 | -8% |
| 55122 | $820 | $68 | $2,651 | $221 | -9% |
| 55123 | $824 | $69 | $2,599 | $217 | -11% |
| 55124 | $808 | $67 | $2,613 | $218 | -11% |
| 55125 | $837 | $70 | $2,682 | $224 | -8% |
| 55126 | $843 | $70 | $2,676 | $223 | -9% |
| 55127 | $825 | $69 | $2,654 | $221 | -9% |
| 55128 | $884 | $74 | $2,838 | $237 | -3% |
| 55129 | $852 | $71 | $2,746 | $229 | -6% |
| 55130 | $1,100 | $92 | $3,510 | $293 | +20% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $69 a year on average in our St. Paul data, with the same $500 deductibles. That’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same St. Paul ZIP codes, their full-coverage average fell from $3,096 a year nine months earlier to $2,887 in rates as of Aug. 31, 2026, a 6.8% drop. American Family cut its St. Paul average 18.4% and Auto-Owners 3.0%, while Allstate’s, State Farm’s and Travelers’ averages were about unchanged. GEICO is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the St. Paul average above. Liability-only coverage at 30/60/10 limits fell 7.0%, led by American Family, which cut its liability-only average 26.2%.
Ramsey County averages about $255 a month for full coverage in our data, the highest of any Minnesota county. Hennepin County averages $243 and Washington County, to the east, $222.
Prices fall as you move away from the city center: South St. Paul averages about $224 a month and Inver Grove Heights $219. Minnesota insurers price by location as well as by driver and car, so your ZIP code can move your price.
More Minnesota cities and towns are in the Minnesota rates by city table, and you can compare states on our car insurance rates by state page.
Minneapolis, across the river, averages $253 a month, and Lakeville, about 20 miles south, $211. Bloomington averages $231.
Drivers in St. Paul follow Minnesota’s rules. Every policy must include at least:
Our Minnesota requirements guide covers the no-fault rules and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Minnesota law and the Minnesota Department of Commerce. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in St. Paul averages about $244 a month ($2,931 a year) and liability-only coverage about $77 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 9% above the Minnesota average of $223 a month.
Travelers has the lowest full-coverage average in our St. Paul rate data, at about $156 a month, followed by State Farm at $184. For liability-only coverage, Auto-Owners has the lowest average, at about $58 a month. Five of the six published 2026 statewide Minnesota rate studies we reviewed also rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
St. Paul, by a little, for our benchmark driver. St. Paul full coverage averages about $244 a month and Minneapolis about $253, both for ZIP codes with that city’s mailing address.
In our data, 55123 has the lowest full-coverage average in St. Paul, at about $217 a month, and 55130 the highest, at about $293. The ZIP code table on this page lists all 29.
In our St. Paul data, full coverage (100/300/100 with $500 deductibles) averages about $244 a month and liability-only coverage at 30/60/10 limits about $77, a difference of about $167 a month ($2,013 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Minnesota law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the five insurers in both sets of rates (GEICO is new over the past nine months), their St. Paul full-coverage average fell 6.8%, from about $3,096 to $2,887 a year. That’s lower than the St. Paul average of $2,931 because it leaves out GEICO. American Family cut its St. Paul average 18.4% and Auto-Owners 3.0%. Liability-only coverage at 30/60/10 limits fell 7.0%.
For our benchmark driver, full coverage in St. Paul averages about $244 a month. Nearby, Minneapolis averages about $253, Bloomington about $231 and Brooklyn Park about $264. Bloomington is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
