St. Cloud Car Insurance

Find the right car insurance policy for you.

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to


From fender benders on Division Street to multi-car collisions on I-94, accidents can happen anytime, anywhere and to anyone—even the most experienced drivers. This is particularly true in the winter when St. Cloud’s roads can be slick with ice and sleet. Fortunately, a dependable auto insurance policy can shield you from the expensive costs associated with vehicle accidents. 

An independent insurance agent in or near St. Cloud can help you find the best and most affordable car insurance policy to meet your specific coverage needs.

How Much Does Auto Insurance Cost in St. Cloud, Minnesota?

Minnesota is the 29th most expensive state for auto insurance. The average cost of car insurance in this state is lower than the national average, but in St. Cloud, the average rate is much higher. However, this does not mean you cannot find an affordable policy.

  • National average cost per year: $1,311
  • Minnesota average cost per year: $1,222
  • St. Cloud average cost per year: $1,671

Comparison shopping will enable you to find a great policy at the best available price. In St. Cloud, where rates are rather high, shopping for coverage is particularly important. Every insurance company you contact will provide you with a different quote. This is because rates are calculated individually based on a number of factors such as:

Independent agents in St. Cloud make comparison shopping easy by obtaining a selection of customized car insurance quotes for you.

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Minnesota Car Insurance Requirements

  • Bodily injury liability: Required
  • Property damage liability: Required
  • Personal injury protection (PIP): Required
  • Uninsured motorist coverage: Required
  • Minimum liability limits: 30/60/10; coverage up to $60,000 for all persons injured in an accident, subject to a limit of $30,000 for one individual; and $10,000 coverage for property damage.

Minnesota’s minimum insurance requirements provide you with enough coverage for most vehicle accidents. However, if you cause a serious collision that involves severe injuries and extensive property damage, your costs can easily exceed these limits. If that happens, you will be required to make up the difference out of pocket.

That is why many St. Cloud drivers choose to purchase liability coverage in amounts that are higher than the state requires. If you want even more liability coverage than your auto policy will allow, you can also purchase umbrella insurance

Your independent agent can help you compare costs for different levels of liability insurance so you can decide how much coverage you can reasonably afford.

Number of Uninsured Motorists in Minnesota

Driving without insurance in Minnesota is illegal. If you are caught driving an uninsured vehicle, you will face fines of up to $3,000, suspension of your driver’s license, and potentially even jail time. Despite this, one in ten drivers on this state’s roadways is uninsured.

  • How many US drivers are uninsured? 12.6%.
  • How many Minnesota drivers are uninsured? 10.8%.

If you are in an accident that is caused by an uninsured driver, that person is expected to pay for your resultant damage and any necessary medical treatment. Unfortunately, collecting this money can be extremely time-consuming and difficult unless you have uninsured motorist insurance

Though it is optional in many states, the state of Minnesota requires drivers to have uninsured motorist insurance. It ensures that you will have the coverage you need if you are in a collision with an uninsured, underinsured, or hit-and-run driver.  

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Number of Auto Thefts in Saint Cloud, MN

In a typical year, St. Cloud residents report about 125 auto thefts. In a city this size, that equates to a theft rate that is higher than the state average but significantly lower than the national average. 

  • National number of thefts per 1,000 vehicles: 2.94
  • Minnesota number of thefts per 1,000 vehicles: 1.74
  • St. Cloud number of auto thefts per 1,000 vehicles: 1.84

Comprehensive insurance is necessary for you to be reimbursed for an auto theft. This optional coverage is often required by lenders until your car is paid in full. Also referred to as “other than collision” insurance, comprehensive coverage compensates you for loss or damage caused by a variety of non-collision hazards such as falling objects, floods, structure fires, and property crimes. 

Why Work with an Independent Insurance Agent?

An independent agent can serve as a great resource when you are buying coverage for your vehicle. These insurance professionals can explain your various options, answer your insurance-related questions, and provide you with a selection of customized auto insurance quotes. That way you can choose the policy that is offered at the best price. 

Contact an independent agent in or near St. Cloud to start comparing car insurance quotes. 

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