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Get Cheap Car Insurance in North St. Paul, MN
We monitor insurance prices, helping the average driver in North St. Paul save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in North St. Paul
The chart below shows the cheapest car insurance company in North St. Paul for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Auto-Owners Insurance, Kemper, and American Family Insurance.
| North St. Paul Insurer | Monthly Cost |
|---|---|
| State Farm | $57 |
| Auto-Owners Insurance | $64 |
| Kemper | $67 |
| American Family Insurance | $67 |
Savings for Every Kind of North St. Paul Driver
Based on our extensive insurance data, we know the average North St. Paul driver will save about 27% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $486 per year by choosing the right vehicle insurance company. Some North St. Paul residents are paying out over $1,806 extra every year for auto insurance in North St. Paul. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
North St. Paul, MN Savings / Yr. |
|---|---|
$486 |
|
$612 |
|
$393 |
|
$799 |
|
$1,370 |
|
$406 |
|
$1,067 |
North St. Paul Car Insurance vs. Minnesota
People living in North St. Paul pay an average of 12.43% more than the typical driver in the state. The average driver in North St. Paul can expect to pay about $934 per year, or $1,806 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in North St. Paul for most people.
Car Insurance Prices by North St. Paul Neighborhood
Insurance Prices
Where is insurance cheapest within North St. Paul?
The map shows insurance prices in and around North St. Paul, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $198 per year within the city boundaries, with insurance premiums ranging from a high of $1,912 to a low of $1,714. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southeast parts of North St. Paul.Pick the Best Car Insurance Company for You in North St. Paul
The best car insurance provider for most drivers in North St. Paul
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $486 over the average North St. Paul car insurance company.
The best car insurance provider for North St. Paul drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $612 over the competition.
The best car insurance company for North St. Paul drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $393 better than other car insurance companies.
The best auto insurance for North St. Paul drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $799 less each year.
The least expensive car insurance company for new and young drivers in North St. Paul
In North St. Paul, State Farm costs young drivers $1,370 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in North St. Paul
State Farm gave the largest car insurance discounts to married couples, averaging $406 saved each year compared to an average North St. Paul couple's premiums.
The cheapest car insurance in North St. Paul for drivers with bad credit
The best North St. Paul car insurance company for customer service
Nationwide was the best company for customer service in North St. Paul according to the NAIC.
Recent price drops
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The cheapest large national provider in North St. Paul
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average North St. Paul driver can expect to pay about $116 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In North St. Paul, USAA has the best prices for young drivers, drivers with accidents, married couples, good drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.Auto Insurance Prices in and Around North St. Paul
What Influences the Cost of Car Insurance in North St. Paul?
On average, car insurance in North St. Paul is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in North St. Paul is 33 minutes, which is a little more than average for a driver in the state.
- Minnesota state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in North St. Paul are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- North St. Paul is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in North St. Paul is $78 per month for minimum coverage and $150 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Maplewood: Insurance costs 0.61% more
- Oakdale: Insurance costs 3.43% less
- Pine Springs: Insurance costs 5.20% less
- Birchwood Village: Insurance costs 7.09% less
- Willernie: Insurance costs 4.71% less
- Mahtomedi: Insurance costs 5.43% less
- White Bear Lake: Insurance costs 7.09% less
- Gem Lake: Insurance costs 5.32% less
- Little Canada: Insurance costs 1.55% less
- Landfall: Insurance costs 4.04% less
Cities with Similar Populations
- Winfield: Insurance costs 14.84% less
- Bellbrook: Insurance costs 39.92% less
- Belle Mead: Insurance costs 0.72% more
- Bellmawr: Insurance costs 2.55% more
- Belmont: Insurance costs 47.34% more
- Bennington: Insurance costs 34.55% less
- Benton: Insurance costs 54.71% more
- Berkley: Insurance costs 18.55% more
- Berlin: Insurance costs 0.50% more
- Bernalillo: Insurance costs 11.30% less