Have you had enough of wondering where the money will come from each month for insurance? Your situation is no different than most other drivers in Minnesota.

Amazlingly, a recent NerdWallet.com study showed that most consumers in Minnesota renewed their policy with the same company for a minimum of four years, and almost 40% of drivers have never quoted rates to find cheap coverage. American drivers could save $859 each year by just comparing quotes, but they feel it's too difficult to compare rate quotes. Companies like GEICO, Progressive and Allstate promote their brand names with ads and it is challenging if not impossible to ignore the promise of big savings and find the best price available.

If you have a current auto insurance policy or just want to reduce your rates, you can follow these tips to buy cheaper auto insurance while maximizing coverage. Locating the best insurance company for you in St. Paul is not that difficult. Smart buyers just need to learn the proper methods to compare rates on the web.

The following companies provide price comparisons in Minnesota. If multiple companies are shown, we suggest you visit several of them to get a more complete price comparison.

Your situation helps dictate your coverage

When it comes to choosing proper insurance coverage, there isn't really a cookie cutter policy. Every situation is different and a cookie cutter policy won't apply.Safe vehicles cost less to insure These are some specific questions might point out if you would benefit from an agent's advice.

If you don't know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Are insurance agencies of importance?

A small number of people would rather talk to a local agent and that is a personal choice. Good agents can point out coverage gaps and help submit paperwork. One of the best bonuses of price shopping on the web is that you can find lower rates and still have a local agent. Supporting local insurance agencies is important especially in St. Paul.

Insurance agents in St. PaulFor easy comparison, once you complete this form (opens in new window), the quote information is emailed to companies in St. Paul who will return price quotes for your business. You don't have to even leave your home because quoted prices will be sent immediately to you. If you have a need to get a comparison quote from one company in particular, you would need to go to their quote page and fill out the quote form the provide.

Choose the right car insurance agent

If you prefer to buy auto insurance from a reliable agent, it's helpful to know the types of insurance agents and how they are slightly different. St. Paul agents are classified as either independent agents or exclusive agents. Both types of agents can write auto insurance policies, but it's worth learning the subtle differences since it could factor into which agent you choose.

Independent Agencies or Brokers

Agents of this type are normally appointed by many insurers and that gives them the ability to insure with lots of companies and find you the best rates. If premiums increase, the business is moved internally and that require little work on your part. If you need lower rates, we recommend you contact several independent agencies in order to compare the most rates.

Shown below is a short list of independent agencies in St. Paul who may be able to give you free auto insurance quotes.


2361 MN-36 - St Paul, MN 55113 - (651) 644-7200 - View Map


250 Hamline Ave S - St Paul, MN 55105 - (651) 698-0771 - View Map


1895 Co Rd E East - St Paul, MN 55110 - (651) 779-3090 - View Map

View more St. Paul agents

Exclusive Insurance Agencies

These type of agents can usually just insure with one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. They are unable to give you multiple price quotes so it's a take it or leave it situation. These agents are very knowledgeable on sales techniques which helps them sell insurance even at higher premiums.

Shown below is a list of exclusive agents in St. Paul that can give you rate quotes.


1701 Arcade St - Maplewood, MN 55109 - (651) 771-4443 - View Map


1692 Randolph Ave - St Paul, MN 55105 - (651) 699-6697 - View Map


1560 7th St W - St Paul, MN 55102 - (651) 690-5334 - View Map

View more St. Paul agents

Selecting an insurance agency should include more criteria than just the premium amount. The questions below may impact your decision as well.

Claim statistics by make and model

Do you own a high-claim vehicle? The statistics tables below show the worst and best cars and trucks for the overall chance of having to file claims orgainized by coverage.

Collision Coverage Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Ford F-150 SuperCrew Ferrari 458
Jeep Wrangler Bentley Continental Flying Spur
Chevrolet Colorado Bently Continental GTC
Ford Edge BMW M6
GMC Canyon Bently Continental GT
Ford F-250 SuperCab Nissan GT-R

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Medical Payment Coverage Claims
Lowest Overall Losses Highest Overall Losses
Tesla Model S Chrysler 200
Ford Expedition Chevrolet Spark
Chevrolet Silverado 3500 Mitsubishi Lancer
Ford F-350 SuperCrew Nissan Versa
Chevrolet Silverado 2500 Nissan Sentra
Audi A4 Allroad Dodge Charger

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Liability Insurance Claims
Lowest Overall Losses Highest Overall Losses
Acura MDX Dodge Charger
Chevrolet Corvette Kia Rio
Fiat 500 Chrysler 200
Volvo XC60 Mitsubishi Lancer
Audi A6 Chevrolet Sonic
Subaru Forester Mitsubishi Mirage

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Ford F-350 Bentley Continental GT
Volvo V60 Porsche Panamera GTS
Chevy Silverado 2500 BMW M6
Chevy Spark Bentley Continental GTC
Smart ForTwo Maserati Quattroporte
Nissan Leaf BMW M6

Statistics from IIHS.org for 2013-2015 Model Years