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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 511.mn.org 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 stpaulcrimemap.com.

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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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.

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

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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