{"id":43553,"date":"2023-06-01T16:31:31","date_gmt":"2023-06-01T23:31:31","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=43553"},"modified":"2024-11-20T12:51:04","modified_gmt":"2024-11-20T20:51:04","slug":"st-paul-car-insurance","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/minnesota\/st-paul-car-insurance\/","title":{"rendered":"St. Paul Car Insurance"},"content":{"rendered":"<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_a7e441df4ae4c16fc301f4477ff4f476\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Everything You Need to Know About Auto Insurance in Minnesota<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">The capital city of Minnesota, St. Paul, is located on the banks of the Mississippi River. The city shares a border with Minneapolis, the largest city in Minnesota. In addition to the capitol, St. Paul has several historic neighborhoods and landmarks, including the Cathedral of Saint Paul.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">The area around St. Paul was inhabited long before Minnesota adopted it as its capital in 1849. According to excavations of burial mounds near St. Paul, the area was inhabited by the Hopewell Native Americans more than 2,000 years ago. The area\u2019s rich history is only one of the reasons why it is one of the most popular places to live in the Midwest.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">One of the largest cities in Minnesota, St. Paul also has insurance requirements for its motorists. When you drive in the city, the law requires that you carry a minimum level of liability coverage in case you are involved in an accident. To learn more about your rights and obligations regarding <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/minnesota\/\">car insurance in Minnesota<\/a><\/strong><span style=\"font-weight: 400;\"><strong>,<\/strong> see our guide below.<\/span><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_8aaf35e878edb7239399de3b2cf5d04a\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">How Much Does Car Insurance Cost in St. Paul, MN?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">In St. Paul, you are likely to pay an average monthly rate of $219 for <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/full-coverage\/\">full coverage car insurance<\/a><\/strong><span style=\"font-weight: 400;\"><strong>.<\/strong> This rate of insurance is much higher than the national average of $140 per month as well as the Minnesota average of $136 monthly. The cheapest car insurance in St. Paul is the <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/state-requirements\/\">state-required minimum coverage<\/a><i>.<\/i><\/strong><span style=\"font-weight: 400;\"> This coverage will only cost you roughly $50 per month, which is close to the national average of $47 monthly.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">While it is true that you might save money with the minimum level of coverage on your vehicle, there are also risks that you should be aware of. If you are at fault for an accident and the damages are more than your policy limits, you can expect to cover those costs out of pocket. Better insurance coverage could protect you when these accidents happen.<\/span><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote \">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                            <div class=\"c-quick-small__icon\">\n                <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-auto\"><\/use><\/svg><\/span>\n                <\/div>\n                <h2 class=\"c-quick-small__title\">Getting a Free Auto Insurance quote with Freeway is easy!<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form ajax-quote-form-new\" action=\"https:\/\/www.freeway.com\/\/submit-quote\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Zip Code<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote only-numbers\" type=\"tel\"  name=\"zipcode\" id=\"zipcodeQuickQuote\" maxlength=\"5\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" value=\"A\" name=\"type_insurance\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--orange c-button--text-big\" type=\"submit\">Start Quote<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_a017e664c0495d4023aa3e967bf52dde\">\n    <div class=\"o-wrapper \">\n        \n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\"><b>What Does Full vs. Minimum Mean?<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">it is helpful to understand the difference between minimum and full coverage. Minimum insurance coverage \u2014 as the name suggests \u2014 is the least amount of insurance you are allowed to carry by law. This typically provides basic <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/liability\/\">liability coverage<\/a><\/strong><span style=\"font-weight: 400;\"> to pay for any damage you cause to another driver. In Minnesota, minimum coverage also includes some <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/no-fault\/\">personal injury protection<\/a><\/strong><span style=\"font-weight: 400;\"> (PIP).<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Full coverage goes beyond liability. In addition to paying for damage you cause to another driver, it also covers your own losses, as well, with <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/comprehensive\/\">comprehensive coverage<\/a><\/strong><span style=\"font-weight: 400;\"> and <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/collision\/\">collision insurance<\/a><\/strong><span style=\"font-weight: 400;\"><strong>.<\/strong> This can save you substantial money following an accident, but the premiums are typically higher.<\/span><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_90ed2b97bd6d2edc3138480ac2573a21\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">Affordable Car Insurance Rates Comparison by Cities in Minnesota<\/h2>\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">See our list below to review average monthly car insurance prices in cities near St. Paul, Minnesota:<\/span><\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table--full c-regional-page-table__table--large table-text--center\">\n                                                                    <tr>\n                                            \n                                                                                            <th>City<\/th>\n                                                                                            <th>Full Coverage Insurance<\/th>\n                                                                                            <th>Liability Insurance Coverage<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td><b>St. Paul<\/b><\/td>\n                                                                                            <td><b>$219<\/b><\/td>\n                                                                                            <td><b>$50<\/b><\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Minneapolis<\/td>\n                                                                                            <td>$140<\/td>\n                                                                                            <td>$56<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Maple Grove<\/td>\n                                                                                            <td>$202<\/td>\n                                                                                            <td>$75<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Duluth<\/td>\n                                                                                            <td>$199<\/td>\n                                                                                            <td>$51<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>St. Cloud<\/td>\n                                                                                            <td>$204<\/td>\n                                                                                            <td>$63<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Bloomington<\/td>\n                                                                                            <td>$198<\/td>\n                                                                                            <td>$71<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Rochester<\/td>\n                                                                                            <td>$220<\/td>\n                                                                                            <td>$76<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_3a2545bd7ccb53558bebf116037b950b\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\"><b>Affordable Car Insurance Rates by Zip Code in St. Paul, MN<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Typically, accidents are more likely to occur in some zip codes than others. The more accidents and crime in a zip code, the higher the cost of insurance can be. That\u2019s why each zip code has a varying average monthly rate.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">See our list below for average monthly car insurance prices by zip code in St. Paul:<\/span><\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table--full c-regional-page-table__table--large table-text--center\">\n                                                                    <tr>\n                                            \n                                                                                            <th>Zip Code<\/th>\n                                                                                            <th>Full Coverage Insurance<\/th>\n                                                                                            <th>Liability Insurance Coverage<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>55101<\/td>\n                                                                                            <td>$246<\/td>\n                                                                                            <td>$83<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55102<\/td>\n                                                                                            <td>$227<\/td>\n                                                                                            <td>$83<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55103<\/td>\n                                                                                            <td>$246<\/td>\n                                                                                            <td>$111<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55104<\/td>\n                                                                                            <td>$246<\/td>\n                                                                                            <td>$111<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55105<\/td>\n                                                                                            <td>$222<\/td>\n                                                                                            <td>$89<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55106<\/td>\n                                                                                            <td>$250<\/td>\n                                                                                            <td>$113<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55118<\/td>\n                                                                                            <td>$210<\/td>\n                                                                                            <td>$76<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55119<\/td>\n                                                                                            <td>$212<\/td>\n                                                                                            <td>$86<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55130<\/td>\n                                                                                            <td>$245<\/td>\n                                                                                            <td>$114<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>55133<\/td>\n                                                                                            <td>$207<\/td>\n                                                                                            <td>$74<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_e60bd24120b0037d0666f9f732d9ed59\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\"><b>Low-Cost Car Insurance Rates by Age in St. Paul, MN<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Expect to face steeper monthly car insurance premiums depending on your age. Young drivers are more likely to be in an auto accident than most people and they don\u2019t have a driving history, so it should come as no surprise that they are likely to pay more for insurance. The cost of car insurance is <\/span><strong><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/does-cheap-car-insurance-for-young-drivers-exist\/\">highest for teenagers<\/a><\/strong><span style=\"font-weight: 400;\">, drops once you reach your 30s, and rises again in your 70s.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">See our list below for average monthly car insurance prices by age:<\/span><\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table--full c-regional-page-table__table--large table-text--center\">\n                                                                    <tr>\n                                            \n                                                                                            <th>Age<\/th>\n                                                                                            <th>Full Coverage Insurance<\/th>\n                                                                                            <th>Liability Insurance Coverage<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Teenagers<\/td>\n                                                                                            <td>$348<\/td>\n                                                                                            <td>$176<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>20s<\/td>\n                                                                                            <td>$277<\/td>\n                                                                                            <td>$139<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>30s<\/td>\n                                                                                            <td>$145<\/td>\n                                                                                            <td>$57<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>40s<\/td>\n                                                                                            <td>$152<\/td>\n                                                                                            <td>$49<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>50s<\/td>\n                                                                                            <td>$150<\/td>\n                                                                                            <td>$50<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>60s<\/td>\n                                                                                            <td>$164<\/td>\n                                                                                            <td>$57<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>70s<\/td>\n                                                                                            <td>$174<\/td>\n                                                                                            <td>$61<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                            <div class=\"c-state-table__text\">\n                    \n\n                            <p><p style=\"text-align: left\"><i><span style=\"font-weight: 400\">When determining the cost of car insurance, we use a set methodology to ensure our results are meaningful. We use the following methodology to arrive at our average cost: male driver, age 30, seeking the lowest possible legal coverage allowed by Minnesota law. Your insurance premiums are based on different factors like your age, your gender, your claims history, and the extent of the insurance coverage you opt to purchase.<\/span><\/i><\/p>\n<\/p>\n\n                                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_80884ee4fd50245628fdf0e9721b0035\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Driving Conditions in St. Paul, MN<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\"><b>How Many Fatal Accidents Happen in St. Paul?<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">In 2021, St. Paul saw 21 fatal motor vehicle accidents. This marked the highest total of fatal accidents in the city in the previous five years.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">In 2020, the number of traffic fatalities in the city was 13. While lower than in 2021, this represented an increase in fatal car accidents over each of the previous four years. 2018 represents the fewest traffic fatalities in a recent year, with only eight occurring in St. Paul.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>How Are the Road Infrastructure and Bridges in St. Paul, MN?<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">In St. Paul, road and infrastructure decisions are made by the city\u2019s <\/span><strong><a href=\"https:\/\/www.stpaul.gov\/departments\/public-works\/traffic-lighting\" target=\"_blank\" rel=\"noopener\">Traffic and Lighting Department<\/a><\/strong><span style=\"font-weight: 400;\"><strong>.<\/strong> A part of St. Paul Public Works, this division is responsible for everything from setting speed limits to maintaining traffic signals.<\/span><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_b70620015fc43f57f53820079084fb39\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Minimum Car Insurance Requirements in St. Paul, Minnesota<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                        \n                            <div class=\"c-sections__list-column \">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Every state set out a minimum level of liability insurance that motorists must carry, and Minnesota is no different. These statewide requirements apply to drivers in St. Paul. According to state law, liability insurance must cover <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/bodily-injury\/\">bodily injury<\/a><\/strong><span style=\"font-weight: 400;\"> as well as <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/property-damage\/\">property damage<\/a><\/strong><span style=\"font-weight: 400;\"> losses. The minimum liability coverage required by law includes:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bodily injury liability coverage: $30,000 per person<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bodily injury liability coverage: $60,000 per accident<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property damage liability coverage: $10,000 per person<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal Injury Protection (PIP): $40,000 per person<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">It is important to remember that these requirements are the minimum amount of coverage you must carry when you drive in St. Paul. However, you have the opportunity to secure more coverage above these limits. This could protect you from being personally liable for a collision when you are at fault in an accident.<\/span><\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_947635cf40cdcb8f9509dba1cc9dcfec\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are the Penalties for Driving Without Insurance in St. Paul, MN?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Minnesota state law applies criminal penalties when you <\/span><strong><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/driving-without-insurance\/\">drive without insurance<\/a><\/strong><span style=\"font-weight: 400;\"> in St. Paul. These penalties can vary depending on the number of times you are found guilty of the offense. For first or second offenses, these consequences include a monetary fine of up to $1,000. Losing your driving privileges or having your license plate suspended is also possible.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">The consequences of third and subsequent offenses are often much steeper. The possibility of losing your license remains, but the maximum fine increases to $3,000. What\u2019s more, you could also face the possibility of spending up to 90 days behind bars. Some judges allow for community service instead of jail time, however.<\/span><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote c-quick-office\">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                                                <img decoding=\"async\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/12\/office-quote.svg\" alt=\"Image office\" class=\"c-quick-small__img\">\n                                \n                <h2 class=\"c-quick-small__title c-quick-small__title--blue\">Find an office near you to help with your auto insurance<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form\" action=\"https:\/\/locations.freeway.com\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Search by Zip Code, City or State<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote \" type=\"text\"  name=\"search\" id=\"address\" maxlength=\"50\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" name=\"latitude\" value=\"\">\n                    <input type=\"hidden\" name=\"longitude\" value=\"\">\n                    <input type=\"hidden\" name=\"radio\" value=\"20\">\n                    <input type=\"hidden\" name=\"time\" value=\"open-any\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--blue-green c-button--text-big\" type=\"submit\">Find<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_a5b4a76dfdcd9ca42ea4674d08f6d650\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Car Insurance Factors Allowed in St. Paul, MN Car Insurance Rates<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                        \n                            <div class=\"c-sections__list-column \">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">State law allows insurance companies to consider a wide range of factors when setting policy premiums. In St. Paul, insurance companies could use any of the following factors to determine what you pay each month for your policy:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Driving record<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Age<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gender<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zip code<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Marital status<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Type of vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit rating<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">In addition to these factors, the terms of your policy itself can also determine how much you will pay. In general, policies with higher limits or more coverage will require steeper premiums.<\/span><\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_d380c493a6a5c8298f66d7f15a1ad410\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Auto Insurance Rates for Young Drivers vs. Older People in St. Paul, MN<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                        \n                            <div class=\"c-sections__list-column \">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">The unfortunate reality for younger drivers is that they can expect to pay more each month for car insurance. Often, the cost of insuring a teenager is twice as much compared to an adult. There is a reason for these price differences, as young drivers are far more likely to be involved in accidents than older motorists. There are some things you can do to help, including:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have your teen driver on your own policy. Yes, your policy premium will increase, but the impact will be less than if your teen tries to get their own coverage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use available discounts, especially the good student discount, which requires your teen to be a full-time student with a GPA of 3.0 and above, in most cases.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pick an older car with a high safety rating for your teen driver. Cars that have a good reliability rating as well as easy-to-find and cheap parts will cost less to insure.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Remember, those high rates will slowly start to decline as your young driver gets older \u2013 that is as long as they keep a clean driving record.<\/span><\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section id=\"list-icons-block_76c04fdcd9c4bdcdf98e0a90fa98f6ea\" class=\"c-section c-section--bottom-0-spacing\">\n    <div class=\"o-wrapper  \">\n                                    <h2 class=\"c-section__title\">Discounts for Car Insurance in St. Paul, MN<\/h2>\n                            <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">If you are concerned about the cost of car insurance, the good news is that there are ways to keep that expense down through a variety of <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/\">discounts<\/a><\/strong><span style=\"font-weight: 400;\"><strong>.<\/strong> These discounts can vary, but they are generally based on your behavior or background. Some of the types of discounts that might be available to you include the following:<\/span><\/p>\n                <\/div>\n            \n                            <div class=\"c-saving-features\">\n                    <ul class=\"o-list-bare c-saving-features__list\">\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/military.svg\" alt=\"Green icon of a military man\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/military-discounts\/\">Military Service Discount<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/anti-theft.svg\" alt=\"Pink icon of a thief\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/anti-theft-car-discount\/\">Anti-theft Safety Discount<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/student.svg\" alt=\"Blue icon of a graduation cap\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/college-student-drivers\/\">Good Student Discount<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/10\/driver-2.svg\" alt=\"Graphic of a man driving a car\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/driving-safety\/reasons-take-defensive-driving-course\/\">Defensive Driver Discount<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2022\/05\/Vehicle-safety-discount.svg\" alt=\"Hands holding a box with a check mark\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/customer-retention-discount\/\">Customer Loyalty Discount<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2022\/10\/icon-discounts.svg\" alt=\"Green icon of a hand with percentage sign\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/auto-pay-car-insurance-discount\/\">Paperless Billing Discount<\/a><\/p>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n                        \n                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">In addition to the discounts mentioned above, you might be able to save by <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/multi-policy-discounts\/\">bundling<\/a><\/strong><span style=\"font-weight: 400;\"> all of your policies together with one insurance carrier. For example, you could save by combining your auto policy with your <\/span><strong><a href=\"https:\/\/www.freeway.com\/insurance-options\/homeowners-insurance\/\">home insurance<\/a>.<\/strong><\/p>\n<p>&nbsp;<\/p>\n                <\/div>\n            \n        <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--light-blue\" id=\"image-with-text-block_e30a9eb6a3cc64e614f74707a9f5636f\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-media-block  \">\n            \n                                    <h2 class=\"c-media-block__title c-section__title c-section__title--black \">Get an Online Quote for Low-Cost Car Insurance in St. Paul, MN, Today!\n                                            <\/h2>\n                                \n                                                <picture class=\"c-media-block__img c-media-block__img--circle o-crop o-crop--fill\">\n                <!--<source srcset=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-srcset=\"images\/components\/about\/about1.webp, images\/components\/about\/about1.webp 2x\" type=\"image\/webp\">-->\n                                                <img decoding=\"async\" loading=\"lazy\" class=\"o-crop__content o-crop__content--center\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2023\/06\/Stpaulminn-1.jpg\" alt=\"Saint Paul Minnesota Capital City Skyline Mississippi River Ramsey County\">\n            <\/picture>\n            <div class=\"c-media-block__content\">\n                <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">That concludes our guide to car insurance in St. Paul. Freeway Insurance is ready to discuss your policy options with you when you&#8217;re ready.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">There is no better time than the present to review your insurance options. To get started, <\/span><strong><a href=\"#modal-turbo\">contact us online<\/a><\/strong><span style=\"font-weight: 400;\"> for a quote, visit us at an <\/span><strong><a href=\"https:\/\/locations.freeway.com\/\" target=\"_blank\" rel=\"noopener\">office<\/a><\/strong><span style=\"font-weight: 400;\"> near you, or call today at <\/span><strong><a href=\"tel:(800)%20777-5620\">(800) 777-5620<\/a>.<\/strong><\/p>\n                <\/div>\n                                            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":40135,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/43553"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=43553"}],"version-history":[{"count":4,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/43553\/revisions"}],"predecessor-version":[{"id":51280,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/43553\/revisions\/51280"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/40135"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=43553"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}