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Get Cheap Car Insurance in St. Paul, TX
We monitor insurance prices, helping the average driver in St. Paul save up to 34.2% on car insurance.
The Cheapest Minimum Coverage in St. Paul
The chart below shows the cheapest car insurance company in 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 Clearcover, followed by Mile Auto, Progressive, and State Farm.
| St. Paul Insurer | Monthly Cost |
|---|---|
| Clearcover | $44 |
| Mile Auto | $58 |
| Progressive | $59 |
| State Farm | $64 |
Savings for Every Kind of St. Paul Driver
Based on our extensive insurance data, we know the average St. Paul driver will save about 21% 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 $351 per year by choosing the right vehicle insurance company. Some St. Paul residents are paying out over $1,706 extra every year for auto insurance in St. Paul. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
St. Paul, TX Savings / Yr. |
|---|---|
$351 |
|
$803 |
|
$708 |
|
$811 |
|
$1,234 |
|
$466 |
|
$510 |
St. Paul Car Insurance vs. Texas
People living in St. Paul pay an average of 12.70% less than the typical driver in the state. The average driver in St. Paul can expect to pay about $1,016 per year, or $1,706 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in St. Paul for most people.
Car Insurance Prices by St. Paul Neighborhood
Insurance Prices
Where is insurance cheapest within St. Paul?
The map shows insurance prices in and around St. Paul, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $152 per year within the city boundaries, with insurance premiums ranging from a high of $1,774 to a low of $1,622. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the North parts of St. Paul.Pick the Best Car Insurance Company for You in St. Paul
The best car insurance provider for most drivers in St. Paul
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $351 over the average St. Paul car insurance company.
The best car insurance provider for 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 $803 over the competition.
The best car insurance company for St. Paul drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $708 better than other car insurance companies.
The best auto insurance for St. Paul drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $811 less each year.
The least expensive car insurance company for new and young drivers in St. Paul
In St. Paul, State Farm costs young drivers $1,234 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in St. Paul
State Farm gave the largest car insurance discounts to married couples, averaging $466 saved each year compared to an average St. Paul couple's premiums.
The cheapest car insurance in St. Paul for drivers with bad credit
The best St. Paul car insurance company for customer service
Recent price drops
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The cheapest large national provider in St. Paul
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average St. Paul driver can expect to pay about $129 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. Paul, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.Auto Insurance Prices in and Around St. Paul
What Influences the Cost of Car Insurance in St. Paul?
On average, car insurance in St. Paul is actually less expensive than the rest of the state. These low 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:
- Texas 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. Paul are higher than average 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 A according to CrimeGrade.org.
- 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 St. Paul is $85 per month for minimum coverage and $142 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
- Wylie: Insurance costs 4.45% more
- Lucas: Insurance costs 0.70% less
- Parker: Insurance costs 3.28% more
- Murphy: Insurance costs 9.85% more
- Sachse: Insurance costs 6.45% more
- Lavon: Insurance costs the same
- Fairview: Insurance costs 4.51% more
- Lowry Crossing: Insurance costs 2.93% less
- Allen: Insurance costs 7.91% more
- Princeton: Insurance costs 2.93% more
Cities with Similar Populations
- Waldo: Insurance costs 37.40% less
- Guthrie: Insurance costs 19.87% more
- Hana: Insurance costs 24.44% less
- Winfield: Insurance costs 20.34% less
- Whitewood: Insurance costs 1.58% less
- West Yellowstone: Insurance costs 6.04% less
- Irving: Insurance costs 56.21% more
- Waverly: Insurance costs 13.77% less
- Waterboro: Insurance costs 44.14% less
- Lakeville: Insurance costs 9.61% more