St. Paul

Find the right car insurance policy for you.

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


St. Paul is the second largest city in the state of Minnesota and is a center for culture, commerce, and government. It shares one other issue with Minneapolis, its twin city; both metropolitan areas feature highly congested roads, so drivers here need St. Paul, MN car insurance that covers their risks.

No two vehicle owners have exactly the same needs. How do you find the best policy at a fair price? A local independent agent in the Trusted Choice® network can help you compare Rochester auto insurance quotes from multiple companies. Find a local member agent today to compare rates, get your questions answered about Minnesota state requirements and find the coverage you need.

  • National average annual premium: $1,311
  • Minnesota average annual premium: $1,222
  • 29th most expensive premiums in the US

Average premium costs in Minnesota are a bit lower than the national average, and of course the specific coverage your need for your situation will have an impact on your actual rates too. For example, the number of drivers in your household that need to be insured, their ages and driving records will all affect the premium you pay.

In addition, every insurance company quotes premium rates differently, so it is important to shop around and compare options and premiums. Working with a local independent agent in the Trusted Choice network can be a great way to compare competitive St. Paul car insurance rates from several insurance companies, and get the help you need to choose the best plan.


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Required Car Insurance in St. Paul:

  • Bodily injury liability: required
  • Property damage liability: required
  • Uninsured motorist: required
  • Underinsured motorist: required
  • Personal Injury Protection (PIP): 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 enforces laws requiring each vehicle owner to be covered with minimum liability coverage. The penalties for failure to meet this requirement are pretty stiff: first offense, $200 to $1,000 fine and/or up to 90 days in jail; subsequent convictions within 10 years, $200 to $3,000 fine and/or up to one year in jail.

For a number of reasons, you may want to purchase more coverage than the minimum. The lender for your auto loan may require additional coverage. You may also want additional protection in the event of an accident, damage or theft.

Many people choose to increase the amount of liability protection. This critical coverage pays for injuries and property damage you or one of the drivers in your family may be responsible for. It will also potentially cover a resulting lawsuit. Many people don’t fully assess the potential costs involved in an accident, and can end up with large out-of-pocket expenses by skimping on their auto coverage. A local independent agent can help you compare various St. Paul car insurance options and make these choices.

Uninsured Motorists in Minnesota:

  • National uninsured motorists: 12.6%
  • Minnesota uninsured motorists: 10.8%
  • Average vehicle repair cost in Minnesota: $2,396

The percentage of vehicle owners without required coverage in Minnesota is lower than the national average. Even so, your uninsured motorist coverage will help you recoup damage and losses from an uninsured motorist faster, as your insurance company will provide immediate compensation.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Car Thefts in Minnesota:

  • National vehicle thefts (per 1,000 registered vehicles): 2.94
  • Minnesota vehicle thefts (per 1,000 registered vehicles): 1.74

There are fewer vehicle thefts in Minnesota than other states, but you can also reduce the risk with some common-sense precautions. Always lock your car, and park it in secure or well-lit areas whenever possible. And it's a good idea to increase the security of your car with anti-theft devices and GPS. Lastly, a comprehensive car insurance policy will ensure that, in the event a thief makes off with your car, you will be compensated for this large loss.

Find the Right St. Paul Car Insurance for Your Family

Choosing your coverage involves more than a few clicks on an online insurance site. It is important to evaluate your unique family needs, and think about the coverage that makes the most sense for you. And every insurance company is different, both in terms of coverage rates and the discounts offered.

Contact an independent agent in the Trusted Choice network today for help comparing St. Paul auto insurance quotes, selecting the best coverage amounts, and getting your questions answered.

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