Car Insurance in St. Paul, MN

The Twin Cities have a lot of car accidents, but good car insurance options are available, too.
Compare, shop and customize quotes from top-rated insurance carriers.

How Many Car Accidents Are There in St. Paul, MN?

If you're one of the 310,000 people living in St. Paul, you have a wide range of options for work, study, entertainment and dining available. You can visit places like the Como Zoo or the St. Paul Chamber Orchestra without leaving the city. Minneapolis is just a short drive away, and Minneapolis/St. Paul International Airport puts global destinations within easy reach. Unfortunately, with convenience also comes traffic and car accidents.

The Importance of Car Insurance in St. Paul, MN

On average, St. Paul has about 5,800 auto accidents every year. That equals a shocking 15 car crashes every day! These accidents cause approximately 1,700 injuries annually, hurting more than 32 people a week. Having good car insurance is a vital way to protect yourself and your family and VIU by HUB can help you find the policy that works for you.

Significant Traffic

One reason for so many accidents is the high volume of traffic running through the city. St. Paul residents use several key roadways frequently:

  • Interstate 35 E
  • Interstate 94
  • Interstate 494
  • State Hwy 52
  • State Hwy 61

According to the Minnesota Department of Transportation, some stretches of I-35 and I-94 have between 150,000 to 170,000 vehicles every day of the week. That's half the city's population just in cars and trucks.

How Many Families Own Cars in St. Paul?

Some households in St. Paul only have one car (25%), but the majority own two vehicles (40%). There are even families with three or more (20%). Prices for car insurance in St. Paul, MN, vary by several factors:

  • Primary driver's age
  • Type of vehicle (car, truck, SUV, etc.)
  • Make and model (including safety rating)
  • Your credit rating
  • Driving infractions

For example, you can expect to pay less on insurance for an SUV compared to a small car. The idea is that trucks and SUVs provide greater protection in an accident.

Natural Spots To Visit With a Family

St. Paul is a family-friendly place to live, with many parks and trails. Parents and kids can play at Raspberry Island Regional Park, Como Lake Park and Hidden Falls Park.

Couples can attend one of Mears Park's festivals or take a romantic stroll along the city's 26 miles of Mississippi River views. Many natural spaces are within a five or 10-minute drive, including over 180 miles of bikeways.

The Daily Commute

St. Paul has many commuters, both coming into the city and going out of it. There are more than 75,000 college students attending local universities, such as the Metropolitan State University.

Some 100,000 households, or 60% of the population, commute to work or school in a personal vehicle. In contrast, only about 13,000 families use the city's public transportation options. Even those families probably have a vehicle at home for everyday use.

How Much Does Car Insurance Cost in St. Paul?

If you own a vehicle, there's no getting around the need for auto insurance. Your family can benefit by customizing coverage for each driver in the home. After all, every family member has a different routine when it comes to work or study.

The average cost of car insurance in St. Paul, MN, is slightly higher than the state average: about $1,700 a year or $140 a month for full coverage. If you invest in theft insurance, collision insurance, storm damage coverage or extra personal injury coverage, your policy may cost more, but it also delivers better protection. VIU by HUB can help you analyze your needs and find an insurer that fits.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


U.S. Census Bureau

MN Department of Transportation


Data USA

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