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Get Cheap Car Insurance in St. Michael, MN
We monitor insurance prices, helping the average driver in St. Michael save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in St. Michael
The chart below shows the cheapest car insurance company in St. Michael 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.
| St. Michael Insurer | Monthly Cost |
|---|---|
| State Farm | $53 |
| Auto-Owners Insurance | $59 |
| Kemper | $63 |
| American Family Insurance | $63 |
Savings for Every Kind of St. Michael Driver
Based on our extensive insurance data, we know the average St. Michael 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 $453 per year by choosing the right vehicle insurance company. Some St. Michael residents are paying out over $1,683 extra every year for auto insurance in St. Michael. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
St. Michael, MN Savings / Yr. |
|---|---|
$453 |
|
$570 |
|
$367 |
|
$745 |
|
$1,277 |
|
$378 |
|
$994 |
St. Michael Car Insurance vs. Minnesota
People living in St. Michael pay an average of 4.77% more than the typical driver in the state. The average driver in St. Michael can expect to pay about $871 per year, or $1,683 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in St. Michael for most people.
Car Insurance Prices by St. Michael Neighborhood
Insurance Prices
Where is insurance cheapest within St. Michael?
The map shows insurance prices in and around St. Michael, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $97 per year within the city boundaries, with insurance premiums ranging from a high of $1,723 to a low of $1,626. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the East parts of St. Michael.Pick the Best Car Insurance Company for You in St. Michael
The best car insurance provider for most drivers in St. Michael
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $453 over the average St. Michael car insurance company.
The best car insurance provider for St. Michael 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 $570 over the competition.
The best car insurance company for St. Michael drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $367 better than other car insurance companies.
The best auto insurance for St. Michael drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $745 less each year.
The least expensive car insurance company for new and young drivers in St. Michael
In St. Michael, State Farm costs young drivers $1,277 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in St. Michael
State Farm gave the largest car insurance discounts to married couples, averaging $378 saved each year compared to an average St. Michael couple's premiums.
The cheapest car insurance in St. Michael for drivers with bad credit
The best St. Michael car insurance company for customer service
Nationwide was the best company for customer service in St. Michael according to the NAIC.
Recent price drops
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The cheapest large national provider in St. Michael
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average St. Michael 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 St. Michael, 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 St. Michael
What Influences the Cost of Car Insurance in St. Michael?
On average, car insurance in St. Michael 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 St. Michael is 38 minutes, which is far 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 St. Michael are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- St. Michael 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 St. Michael is $73 per month for minimum coverage and $140 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
- Albertville: Insurance costs 1.37% less
- Hanover: Insurance costs 0.89% less
- Rogers: Insurance costs 2.38% less
- Otsego: Insurance costs 0.95% less
- Corcoran: Insurance costs 3.80% less
- Loretto: Insurance costs 5.11% less
- Greenfield: Insurance costs 2.91% less
- Elk River: Insurance costs 0.06% less
- Monticello: Insurance costs 0.71% less
- Rockford: Insurance costs 2.08% less
Cities with Similar Populations
- Cairo: Insurance costs 1.49% more
- Centerville: Insurance costs 15.33% less
- Centerton: Insurance costs 2.73% less
- Celina: Insurance costs 0.42% more
- Cedarburg: Insurance costs 33.51% less
- Cedar Lake: Insurance costs 26.92% less
- Carnegie: Insurance costs 15.98% less
- Cantonment: Insurance costs 45.10% more
- Cambridge: Insurance costs 34.70% less
- Camano Island: Insurance costs 15.98% less