Best Cheap Car Insurance in St. Paul for 2021

In 2019 there were 9,363 car accidents in Ramsey County, home of St. Paul, Minnesota. Every driver in St. Paul is required to take out car insurance, regardless of how often they drive or what type of car they own. The average cost of auto insurance in St. Paul is $ 829 per year for a minimum policy and $ 1,948 for full insurance.

Motorists in St. Paul have a multitude of options when it comes to auto insurance. We looked at some of the largest auto insurance companies and compared them based on average prices, discounts, insurance options, and third-party reviews to find the best St. Paul auto insurance.

The best auto insurance in St. Paul

The best auto insurance companies in St. Paul are Auto-Owners, USAA, Geico, and State Farm. These providers have below average prices, good discounts, reliable coverage, excellent financial strength, and above average customer satisfaction from JD Power & Associates. Here are the providers of the cheapest car insurance for fully comprehensive insurance:

insurance company	JD Power customer satisfaction score (Central region)	Average annual premium for minimum coverage	Average annual premium for fully comprehensive insurance
Car owner	845 / 1,000	$ 684	$ 1,669
USAA	897 / 1,000	$ 658	$ 1,674
Geico	845 / 1,000	$ 807	$ 1,955
District farm	847 / 1,000	$ 872	$ 1,594

Car owner

According to JD Power, Auto-Owners is one of the highest rated auto insurance companies for overall customer satisfaction in the Central area (including Minnesota). Car Owner also offers affordable plans with an average fully comprehensive premium of $ 1,669 and an average minimum premium of $ 684, which is well below the average.

Car insurance policies from car owners are comprehensive and offer a variety of optional covers for added protection. Additionally, the company offers a variety of discounts to help St. Paul drivers save money on their policy. The only downside to car owners is that you have to work with an agent to get a quote or purchase a policy.

Learn more: Review of motor vehicle liability insurance

USAA

USAA is specifically aimed at active and retired military personnel, as well as their spouses and children. St. Paul drivers who qualify for USAA auto insurance can take advantage of the company’s low rates, excellent customer service and great discounts.

Some of the discounts available from USAA include savings for good students, reduced mileage, a defensive driving course, pooling your policies, and housing your vehicle on the base. In fact, drivers save an average of $ 725 a year when they switch to USAA. USAA’s coverage is pretty limited, but you can get free accident forgiveness after five years of harmless forgiveness.

Geico

Geico is rated highly by JD Power and has an A ++ financial strength rating from AM Best, which is the highest possible score. In addition to its impressive third-party reviews, Geico also stands out for its generous discounts. The average Geico premium is the same as the average St. Paul premium, but motorists can lower their tariff with the savings options offered by Geico.

Some of Geico’s unique discounts include savings for military personnel, federal employees, staff / member groups, and emergency service. It also offers standard policy bundling savings to be a good student and be harm free. However, one thing you should know about Geico is that the coverage is basic and there are few recommendations.

Learn more: Geico insurance valuation

District farm

State Farm is the largest auto insurance company in the country and one of the highest rated. State Farm is known for its great customer service and is also one of the cheapest providers in St. Paul. State Farm’s average full insurance is $ 353 cheaper than the average city-wide in St. Paul.

State Farm offers a good combination of coverage options and discounts. There are also two safe driver discount programs, Steer Clear for drivers under 25 and Drive Safe & Save for drivers over 25. You can also get ridesharing insurance through State Farm when driving for a service like Uber or Lyft.

Learn more: Review of state farm insurance

Cheapest car insurance in St. Paul

The average cost of auto insurance in St. Paul is higher than the average cost in Minnesota, which is $ 1,643 with full insurance and $ 137 with minimum policy. St. Paul drivers also pay more for auto insurance than the average American driver. The average premium in the United States is $ 1,674 per year.

However, auto insurances in St. Paul charge different rates for coverage. In addition, each driver pays a different tariff based on personal factors such as creditworthiness, age and claims history.

In the table below, we have highlighted the cheapest car insurance in St. Paul from popular providers based on market share.

insurance company	Average annual premium for minimum coverage	Average annual premium for fully comprehensive insurance
USAA	$ 658	$ 1,674
Car owner	$ 684	$ 1,669
AAA	$ 685	$ 1,920
Geico	$ 807	$ 1,955
American family	$ 825	$ 1,522

St. Paul drivers looking for the cheapest car insurance in Minnesota should take some time to compare providers before deciding which one to choose. Not all insurance providers are created equal.

USAA, for example, offers low-cost policies, but you must be affiliated with the military to get coverage. For civilians, American family or car owners might be a better choice. If you’re looking for a company that offers special endorsements, we recommend Auto-Owners, American Family, or AAA as USAA and Geico have relatively limited coverage options.

All of these companies offer discounts that can help drivers get a lower premium, but the specific discounts available vary. For example, Geico is the only company that offers a discount for federal employees, and AAA is the only company that offers a discount for AAA members.

Requirements for the St. Paul insurance

Car insurance in Minnesota is required by law. Drivers in St. Paul must have at least 30/60/10 liability insurance that includes the following:

• $ 30,000 in personal injury protection per person
• $ 60,000 in personal injury per accident
• $ 10,000 in property damage coverage per accident

Additionally, Minnesota is a flawless state, which means drivers must wear Personal Protection (PIP). The minimum PIP coverage limit is $ 40,000, including $ 20,000 for medical expenses and $ 20,000 for non-medical expenses such as lost wages if you are injured and unable to work.

St. Paul drivers who purchase a minimum insurance policy may pay lower prices. However, insurance companies recommend that most drivers choose coverage limits above the minimum threshold.

There is no guarantee that a minimum insurance policy in St. Paul will cover the full cost of a culpable accident. In addition, drivers who lease or finance their vehicle usually have to take out fully comprehensive insurance until their loan is repaid.

Car insurance discounts in St. Paul

Most St. Paul auto insurance companies offer discounts that can help drivers get a lower rate. Here are some common discounts that can help you get cheap auto insurance:

• Pay the full discount: If you can afford to pay your annual premium upfront and in full instead of monthly installments, most insurance providers will lower your tariff.
• Good student discount: High school and college students who maintain a minimum GPA are often eligible for a discount.
• No claim discount: Drivers who do not have any current claims in their files are usually rewarded with a lower premium.
• Discount for bundling policies: One of the best ways to get lower premiums is to bundle your auto and home or renter insurance with the same company.

frequently asked Questions

What is the best car insurance?

The best car insurance is different for every driver. It depends on the type of coverage you need, the discounts you can take advantage of and your budget.

How much does car insurance cost in St. Paul?

The average auto insurance premium in St. Paul is $ 829 per year for a minimum policy and $ 1,948 for full insurance. However, you can pay more or less depending on your age, creditworthiness, claims history, coverage limits and deductible.

methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and airlines in all 50 states and Washington, DC Coverage Limits:

• $ 100,000 personal injury liability per person
• $ 300,000 liability per accident
• $ 50,000 property damage liability per accident
• $ 100,000 personal injury from an uninsured motorist per person
• $ 300,000 personal injury to an uninsured driver per accident
• $ 500 deductible in case of collision
• $ 500 deductible

To set the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our example drivers own a 2019 Toyota Camry, commute five days a week, and drive 12,000 miles a year.

These are sample rates and should only be used for comparison purposes. Your quotes can be different.

source https://collegeeducationnewsllc.com/best-cheap-car-insurance-in-st-paul-for-2021/