Cheap Car Insurance in St Paul, Minnesota

Looking to know more about St. Paul and ways to obtain cheap car insurance? Well, home to an estimated 301,000, the capital of Minnesota is the state's largest city, second only to its twin city of Minneapolis, which it adjoins. Mostly on the east bank of the Mississippi River, St. Paul and Minneapolis form the 16th largest metro area in the U.S., home to about 3.52 million residents.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in St. Paul, MN. Get your free auto insurance quote today!

Driving conditions in St. Paul

According to the U.S. Census Bureau's 2014 American Community Survey, the Minneapolis-St. Paul metro has an average commute time of 23.6 minutes, compared to an average commute time for the 50 largest U.S. metros of 27.2 minutes. Real-time traffic data, cameras and incident information is available from the Minnesota Department of Transportation by visiting or by calling 511 from within the state.

Unique laws in St. Paul

In Minnesota, drivers are required to clear their car windows of snow before driving.

Unlike some states, Minnesota has no laws against riding in the back of a truck or tow camper, though some cities may have ordinances against this, as it is considered unsafe.

St. Paul crime statistics

Within the city, there were a total of 1,748 motor vehicle thefts in 2015, down from 2,008 the year prior, according to the St. Paul Police Department. The National Insurance Crime Bureau reports the auto theft rate in the Minneapolis-St. Paul-Bloomington metro area for 2015 was 187 incidents per 100,000 people, compared to the national average of 220.2 incidents per 100,000 people.

Local police advise that many times, cars thought to be stolen have been towed for parking violations. The impound lot can be reached at 651-292-6005.

A crime map detailing various types of crimes can be accessed at

St. Paul safety requirements

Minnesota law dictates driver and passengers must wear seat belts, and children under 4 must ride in a car safety seat. A child between 4 and 8 years old must use a booster seat unless he or she is 4 feet, 9 inches tall. According to Minnesota's Office of Traffic Safety, it is illegal for a driver to write, read or send texts or emails or access the internet while his car is moving or part of traffic, including while stopped in traffic or at a traffic light. Cellphone use is banned outright for bus drivers and teen-aged drivers with a provisional license.

St. Paul impaired driving laws

Drivers with a blood alcohol concentration of .08 percent or higher are charged with driving while intoxicated, according to the Minnesota Department of Public Safety. This is lowered to .04 for commercial drivers. First offenders face 90 days in jail and/or a $1,000 fine and revocation of driving privileges for 90 days. First-time DWI offenders with a .16 BAC or above and second-time DWI offenders are required to have in ignition interlock or surrender driving privileges for one to two years.

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Car Insurance St Paul, Minnesota Agents

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  • Chad Babcock - State Farm Insurance Agent


    Chad Babcock
    Serving st paul with great rates on car insurance, truck insurance, motorcycle insurance, commercial auto insurance and more!

    What makes your specific agency stand out from your competition?
    Offering auto insurance in st paul. We offer excellent customer service and great rates on all lines of auto insurance. Call us, click our site, or stop in our office for a free rate quote. We look forward to serving you!

    • Multi-line Discount

    • Insurance

    • MN-20492019

    2015 Hillcrest Avenue
    St Paul, MN 55116
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  • Pendleton Agency, Llc


    Edward Pendleton
    Auto, home, business insurance

    1549 Livingston Ave Ste 106 West St Paul, Mn
    St Paul, MN 55118
    Visit Agent Website

  • Schickling & Associates, Inc.


    Lee Schickling
    **mn and wi liciensed** *we are an independent insurance agency that handles all lines (personal & commercial) of insurance products with multiple companies. *we will help you design your insurance needs to fit you. home / auto life / health busines

    539 Bielenberg Dr - Ste 114 Woodbury, Mn 55125
    St Paul, MN 55125
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  • Jody Baber


    1440 Arcade St
    St Paul, MN 55106
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    I purchased a mobile home a while back, and asked my agent Jody Bader if she could write up a policy for it. I have several current policies with her (cars, boat, household, snowmobile) and figured we could just add another. My mobile home is located at a resort on Mille Lacs.

    I was told, 'No, we do not cover that type of vehicle, too many rules and regulations about spacing of units, anchored or not, etc., but your home owners policy will cover your possessions, just not the structure itself. That was from Jody herself.

    I figured just having my possessions covered would be sufficient, as the structure is less likely to have any problems.

    Well, someone broke into my place and stole several things valued at around $3,000.

    I called Jody and submitted a claim. I then found out that I was NOT covered because I was not present during the theft. She just thought it was funny and denied having said it.

    So, I was given bad information that led me to believe I would be covered when I wasn't, and now I'm out $3,000. Not only that, but I would have taken a policy out with someone else if I had known or been given correct information.

    I do NOT recommend doing any business with Jody.
    I did not choose her as my agent, she was given all my accounts when my original agent, Jerry Ballot retired in 2006.

    This is very upsetting, not only to find I am not covered, but to be mislead in the first place. I have nothing against State Farm itself.

    I currently live in Eastside St Paul and was driving home up Arcade St by the Lake Phalen Golf Course when I noticed a State Farm sign at Josephine's Interiors buikding. I decided to stop in to the Jody Baber agency the other day to check out my current auto rates with Progressive to what State Farm had to offer. I was pleasantly surprised to be surrounded by a staff full of knowledge. This was a huge change from always getting a different person on the phone that never seemed to know my situation. While I was there the agent I was working with named Dan offered to complete a full insurance review. The process only took about 45 minutes and was probably the best 45 mins I have spent in a long time. If you are like me I had no clue what all the insurance I currently had even meant to me. By the end of the whole thing I learned State Farm had a bank, offered life insurance, and can handle all of my auto and home insurance all in the same office. I walked away with not only a better understanding of the industry, but he was also able to shave off 2 years on my auto loan, set me up with a comprehensive health insurance plan, lowered my auto premium by 40%, started a 50k life insurance policy, and included a renters insurance policy I needed but couldnt afford. This place is awesome! He did all this for less than what I was paying before except with 5 times the insurance I had previously. I kick myself now for not doing this sooner. What gets me is how long I must have been over paying at Progressive, uuurrrgggghh!!!! I would definately reccomend this agency to any of my friends and family. Thank you Dan, and all the wonderful staff at Jody's office in St Paul. This has to be the Eastside's number one insurance agency!

  • Scott Fogelson Insurance Agency


    456 Snelling Ave S
    St Paul, MN 55105
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    Bad customer service!

    Be aware of his work ethics. This guy needs to be reported to the State Insurance commission. He really rip us off.

    Be aware of his work ethics. Nice when he signs you up but will not return calls and SUPER BAD customer service.

    In five months of getting a new home owners policy he raised are policy per month 200 dollars with no reason why. He even back dated some docs in his favor. Plus are auto went from 100 to 200 in three months also with no explanation and no change to driving records.

    BE AWARE is all I say!

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  • Insurance Executives Of Mn
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  • Andre Granito
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  • Joel Stallons
  • John Prusa
  • Debra Glahn
  • Krystal Regalado
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  • Shelia Tankard
  • Josephine Loibl
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  • Joanne Mosser
  • Nina Bechen
  • Jean Fray
  • Ted Olinski
  • Lynette Curi
  • Alexis Liborio
  • Uriel Bila
  • Eva Cervantez
  • Jordan Lohrey
  • Willard Varkey
  • Gregorio Galeski
  • Tom Shatswell
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Auto body shops St Paul, Minnesota

Did you know ?

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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