Car Insurance Cost in St. Paul, MN – Cheapest Rates (2025) + Rankings

• St. Paul car insurance cost averages $2,504 per year for full coverage, or around $209 on a monthly basis.
• St. Paul auto insurance costs $276 per year more than the Minnesota state average cost ($2,228) and $283 per year more than the United States national average ($2,221).
• Car insurance rates for a few popular models in St. Paul include the Honda Civic at $185 per month, Chevrolet Equinox at $192, and Toyota Corolla at $203.
• Crossover vehicles like the Mazda CX-5, Subaru Crosstrek, and Chevrolet Trailblazer get the nod for cheap car insurance in St. Paul.
• Vehicles with the most affordable auto insurance in their automotive segment include the Chevrolet Tahoe, Jaguar E-Pace, Chevrolet Colorado, Kia K5, and Acura Integra.

How much does car insurance cost in St. Paul?

The average price for car insurance in St. Paul is $2,504 per year, which is 12% more than the U.S. overall average rate of $2,221. The average cost of car insurance per month in St. Paul is $209 for a full coverage policy.

In the state of Minnesota, the average car insurance expense is $2,228 per year, so the cost in St. Paul averages $276 more per year. The cost to insure a vehicle in St. Paul compared to other Minnesota cities is about $338 per year more than in Duluth, $412 per year more expensive than in Rochester, and $8 per year more than in Minneapolis.

The next chart shows average St. Paul, Minnesota, car insurance cost for all 2024 models. Rates are averaged for all St. Paul Zip Codes and shown for both different driver ages and comprehensive and collision deductibles.

In the chart above, the cost of car insurance in St. Paul ranges from $1,756 per year for a 60-year-old driver with a policy with high deductibles to $5,854 per year for a 20-year-old driver with a low deductible. From a monthly budget point of view, the average cost in the prior chart ranges from $146 to $488 per month.

The age of the rated driver influences the price of auto insurance, so the list below details how driver age influences cost by showing average car insurance rates for drivers from age 16 to 60.

Car insurance cost in St. Paul, MN, for drivers age 16 to 60

• 16-year-old driver – $8,914 per year or $743 per month
• 17-year-old driver – $8,635 per year or $720 per month
• 18-year-old driver – $7,738 per year or $645 per month
• 19-year-old driver – $7,047 per year or $587 per month
• 20-year-old driver – $5,036 per year or $420 per month
• 30-year-old driver – $2,672 per year or $223 per month
• 40-year-old driver – $2,504 per year or $209 per month
• 50-year-old driver – $2,218 per year or $185 per month
• 60-year-old driver – $2,076 per year or $173 per month

The rates shown above for the average cost to insure teen drivers were based on the rated driver being male. The next chart goes into more detail for teenage car insurance rates and breaks out average teen driver rates in St. Paul by gender. Females are usually a little cheaper to insure, especially in the teen years.

Car insurance for a 16-year-old female in St. Paul costs an average of $586 less per year than male drivers, while at age 19, the difference is narrower but is still $1,089 per year cheaper for females.

The cost to insure St. Paul drivers’ favorite vehicles

The car insurance rates mentioned up to this point consist of an average based on every 2024 vehicle model, which is suitable for making broad comparisons such as the difference in average auto insurance cost for two different locations in Minnesota. For more complete auto insurance comparisons, however, the cost data will be more precise if we use rates for the specific make and model of vehicle being insured.

In the next few article sections, we explore rates in detail for specific makes and models of vehicles, but for now, we will just use the more popular vehicles to discover how car insurance rates compare in St. Paul.

The following chart breaks down average insurance cost for the more popular vehicles in St. Paul.

The vehicles that are popular in St. Paul tend to be compact and midsize cars like the Hyundai Elantra and Kia K5 and compact and midsize SUVs like the Nissan Rogue and Jeep Grand Cherokee.

Other popular models from other vehicle segments include luxury SUVs like the Infiniti QX60 and Acura MDX, luxury cars like the Lexus ES 350 and Acura ILX, and pickup trucks like the Ford F-150 and Ford Ranger.

We cover more rates later in this article, but before we dive into that data, let’s look at the concepts and comparisons that were covered up to this point.

• A low deductible policy costs more – A 30-year-old driver pays an average of $678 more per year for a $250 deductible policy versus a $1,000 deductible policy.
• St. Paul, Minnesota, car insurance costs more than the U.S. average – $2,504 (St. Paul average) versus $2,221 (U.S. average)
• Car insurance is generally cheaper the older you are – Average car insurance rates for a 60-year-old driver in St. Paul are $2,960 per year cheaper than for a 20-year-old driver.
• Auto insurance rates fall a lot between ages 20 and 30 – The average 30-year-old St. Paul, MN, driver will pay $2,364 less per year than a 20-year-old driver, $2,672 compared to $5,036.
• Teenage females pay less than teenage males – Teenage female drivers age 16 to 19 pay $1,089 to $586 less per year than their male counterparts.
• Insurance for teenagers can be expensive – Average rates range from $5,958 to $8,914 per year for teenage driver insurance in St. Paul, MN.

What are the cheapest vehicles to insure in St. Paul, MN?

The models with the lowest cost average car insurance quotes in St Paul tend to be small SUVs and crossovers like the Kia Soul, Chevrolet Trailblazer, and Toyota Corolla Cross. Average insurance quotes for those crossover SUVs cost $2,034 or less per year, or $170 per month, for a full coverage policy.

Examples of other vehicles that rank in the top 20 in our auto insurance price comparison are the Buick Envista, Nissan Murano, Subaru Outback, and Ford Bronco Sport.

Average auto insurance rates are a little higher for those models than the crossovers and compact SUVs that rank at the top, but they still have an average insurance cost of $2,178 or less per year, or about $182 per month.

The table below details the 25 cars, trucks, and SUVs with the cheapest insurance rates in St. Paul, ordered by annual cost.

The above table containing 25 vehicle models with cheap St. Paul car insurance doesn’t really provide a complete view of the cost of car insurance. A more efficient way to analyze auto insurance rates in a practical manner is to break them out by automotive segment.

The section below goes into detail about the average cost of car insurance for each vehicle segment. The average rates shown in the chart will give you a better idea of the types of vehicles that have the overall most affordable average auto insurance rates. The six sections after the chart break out and rank the most affordable auto insurance in the most popular segments.

St. Paul auto insurance rates by automotive segment

When shopping around for a new or used vehicle, it’s advantageous to know which categories of vehicles have less expensive insurance rates. To illustrate this, some people wonder if midsize SUVs have more affordable insurance than small SUVs or if full-size pickups have more expensive auto insurance than midsize pickups.

The chart below displays average car insurance cost by vehicle segment in St. Paul. Typically, small SUVs, vans, and midsize pickups tend to have the best rates, with luxury, performance, and sports cars having the most expensive insurance rates.

Rates by automotive segment are suitable for getting an initial comparison, but rates range considerably within each of the segments listed in the chart above.

For example, in the small SUV segment, average St. Paul insurance rates range from the Subaru Crosstrek at $1,846 per year for full coverage insurance up to the Ford Mustang Mach-E costing $2,926 per year.

In the large SUV segment, rates range from the Chevrolet Tahoe costing $2,350 per year up to the Toyota Sequoia at $3,132 per year, a difference of $782 within that segment.

In the upcoming sections, we eliminate much of the variability by looking at the cost of car insurance in St. Paul for individual vehicles.

Cheapest car insurance rates in St. Paul

Ranked at #1 in St Paul for the lowest-cost insurance in the 2-door and 4-door sedan and hatchback segment is the Toyota GR Corolla, with an average cost of $2,174 per year. Second place is the Nissan Leaf costing $2,190 per year, coming in third is the Honda Civic, at an average of $2,214 per year, and the fourth most affordable is the Nissan Sentra, costing an average of $2,294 per year.

Additional models that rank well in our comparison are the Chevrolet Malibu, Toyota Corolla, Kia K5, and Toyota Prius, with average insurance cost of $2,438 per year or less.

Auto insurance for this segment in St Paul for a middle-age safe driver can cost as low as $181 per month, depending on your company and location. The next table ranks the cars with the most affordable car insurance rates in St Paul, starting with the Toyota GR Corolla at $2,174 per year and ending with the Mazda 3 at $2,588 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Looking for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Minnesota.

Cheapest SUV insurance rates in St. Paul

For 2024 models, the five cheapest SUVs to insure in St Paul are the Subaru Crosstrek, Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. Rates for for these vehicles range from $1,846 to $1,992 per year.

Other SUVs that are affordable to insure are the Hyundai Venue, Buick Envision, Mazda CX-5, and Ford Bronco Sport, with average rates of $2,050 per year or less.

On a monthly basis, full-coverage insurance in this segment will start around $154 per month, depending on the company.

The most budget-friendly compact SUV to insure in St Paul is the Subaru Crosstrek at $1,846 per year. For midsize 2024 SUV models, the Honda Passport is the cheapest model to insure at $1,992 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is most affordable to insure at $2,350 per year.

The table below ranks the SUVs with the most affordable car insurance in St Paul, starting with the Subaru Crosstrek at $1,846 per year ($154 per month) and ending with the Subaru Ascent at $2,178 per year ($182 per month).

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Don’t see your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap St. Paul car insurance quotes from top-rated auto insurance companies in Minnesota.

Cheapest pickup truck insurance rates in St. Paul, Minnesota

The cheapest pickup trucks to insure in St Paul are the Chevrolet Colorado at $2,204 per year, the Nissan Titan at $2,342 per year, and the Nissan Frontier at $2,366 per year.

Also ranking well in our comparison are models like the GMC Canyon, Toyota Tacoma, Honda Ridgeline, and GMC Sierra 2500 HD, with average cost of $2,574 per year or less.

Full-coverage insurance in St Paul for this segment will start around $184 per month, depending on your company and location. The comparison table below ranks the twenty pickups with the most affordable auto insurance rates in St Paul, starting with the Chevrolet Colorado at $2,204 per year ($184 per month) and ending with the Ram Truck at $2,896 per year ($241 per month).

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Is your pickup truck not in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap St. Paul car insurance quotes from the best auto insurance companies in Minnesota.

Cheapest sports cars to insure in St. Paul

The four most affordable sports cars to insure in St Paul are the Mazda MX-5 Miata at $2,314 per year, Toyota GR86 at $2,636 per year, Ford Mustang at $2,750 per year, and BMW Z4 at $2,766 per year.

Not the cheapest sports cars to insure, but still affordable, are models like the Subaru BRZ, BMW M2, Lexus RC F, and Nissan Z, with an average cost of $2,992 per year or less.

Additional models worth mentioning include the Chevrolet Corvette, Chevrolet Camaro, BMW M3, Mercedes-Benz AMG GT53, and Lexus LC 500, which cost between $2,992 and $4,238 per year for full-coverage insurance.

Car insurance rates in St Paul for this segment starts at an average of $193 per month, depending on your location and insurance company. The table below ranks the sports cars with the cheapest average car insurance rates in St Paul.

Don’t see rates for your sports car? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in St. Paul.

Cheapest luxury car insurance rates in St. Paul, Minnesota

The top three luxury cars with the most affordable insurance rates in St Paul are the Acura Integra at $2,224 per year, the BMW 330i at $2,548 per year, and the Mercedes-Benz CLA250 at $2,574 per year.

Not the cheapest in the list, but still ranking well, are luxury cars like the Lexus RC 300, Mercedes-Benz AMG CLA35, Lexus ES 350, and Cadillac CT4, with average cost of $2,630 per year or less.

Full-coverage auto insurance in this segment for a safe driver can cost as low as $185 per month, depending on where you live and the company you use.

If ranked by vehicle size, the most budget-friendly compact luxury car to insure in St Paul is the Acura Integra at $2,224 per year, or $185 per month. For midsize luxury car models, the Mercedes-Benz CLA250 has the best rates at $2,574 per year, or $215 per month. And for full-size luxury models, the Audi A5 has the most affordable rates at $2,974 per year, or $248 per month.

The rate comparison table below ranks the luxury cars with the most affordable average insurance rates in St Paul, starting with the Acura Integra at $2,224 per year and ending with the Audi S3 at $2,804 per year.

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see your luxury car? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap St. Paul car insurance quotes from the best companies in Minnesota.

Cheapest luxury SUV insurance rates in St. Paul

Ranking at the top for the cheapest St Paul auto insurance rates in the luxury SUV segment are the Jaguar E-Pace, Acura RDX, Cadillac XT4, Cadillac XT5, and Lexus NX 250. Auto insurance rates for these vehicles average $197 or less per month.

Other luxury SUVs that have affordable average insurance rates include the Lexus NX 350h, Lexus UX 250h, Lexus NX 450h, and Mercedes-Benz GLB 250, with average annual insurance rates of $2,412 per year or less.

Some additional luxury SUVs that made the list include the Acura MDX, Infiniti QX60, Mercedes-Benz AMG GLB35, and Lexus NX 350, which cost between $2,412 and $2,512 per year for auto insurance.

On a monthly basis, car insurance rates in St Paul on this segment starts at an average of $174 per month, depending on your location and insurance company.

If rates are ranked based on vehicle size, the most budget-friendly compact luxury SUV to insure in St Paul is the Acura RDX at $2,092 per year, or $174 per month. For midsize luxury SUVs, the Jaguar E-Pace has the cheapest rates at $2,338 per year, or $195 per month. And for large luxury SUVs, the Infiniti QX80 is most affordable to insure at $2,804 per year, or $234 per month.

The comparison table below ranks the twenty SUVs with the lowest-cost average auto insurance rates in St Paul, starting with the Acura RDX at $2,092 per year ($174 per month) and ending with the Lexus RX 350 at $2,512 per year ($209 per month).

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Don’t see insurance rates for your luxury SUV? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Minnesota.

How to find cheaper car insurance

St. Paul drivers are often looking to reduce their monthly insurance expenses. So look through the money-saving tips in the list below and it’s very possible you can save some money insuring your vehicle.

• Get a discount from your choice of occupation. Many car insurance providers offer discounts for occupations like lawyers, engineers, members of the military, scientists, architects, and others. By earning this discount on your policy you could potentially save between $75 and $243 on your annual premium, depending on the age of the driver.
• If your car is older, remove unneeded coverages. Removing comprehensive and/or collision coverage from vehicles whose value does not support the cost of the coverage can reduce the cost of car insurance considerably.
• Get cheaper rates by researching discounts. Discounted rates may be available if the insureds are military or federal employees, are senior citizens, drive low annual mileage, choose electronic billing, are good students, or many other discounts which could save the average St. Paul driver as much as $426 per year on car insurance.
• Raising deductibles results in a cheaper policy. Raising the comprehensive and collision deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
• Shop around. Setting aside a few minutes to get a few free car insurance quotes could save a pile of cash. Rates change often and you can switch your coverage anytime.