Car Insurance Quotes in Saint Louis Park, MN
Full coverage car insurance in Saint Louis Park, MN runs an estimated $1,869 per year — roughly $156 monthly. That is around 6% below the Minnesota average, helped by lighter traffic and below-average claim frequency. Your own number moves a long way from the average once age, driving record and ZIP code are applied — the calculator below applies all three.
Car insurance calculator — Saint Louis Park, MN
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Saint Louis Park, MN
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,420 | $118 | -24% | Military members and families only |
| Geico | $1,533 | $128 | -18% | Usually cheapest for clean records |
| State Farm | $1,645 | $137 | -12% | Strong for young and student drivers |
| Progressive | $1,776 | $148 | -5% | Competitive after a ticket or accident |
| Travelers | $1,813 | $151 | -3% | Good multi-policy discounts |
| Nationwide | $1,869 | $156 | 0% | Mid-market, wide availability |
| Allstate | $2,131 | $178 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $2,261 | $188 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Saint Louis Park, MN. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Car insurance rates by age in Saint Louis Park
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $5,049 | $1,872 | $421 |
| 18 years old | $4,259 | $1,579 | $355 |
| 20 years old | $3,526 | $1,307 | $294 |
| 22 years old | $2,929 | $1,086 | $244 |
| 25 years old | $2,235 | $829 | $186 |
| 30 years old | $1,927 | $714 | $161 |
| 40 years old | $1,811 | $672 | $151 |
| 50 years old | $1,734 | $643 | $145 |
| 60 years old | $1,715 | $636 | $143 |
| 65 years old | $1,792 | $664 | $149 |
| 70 years old | $1,966 | $729 | $164 |
| 75 years old | $2,293 | $850 | $191 |
Estimated premiums by age in Saint Louis Park, MN, clean record, sedan.
What a ticket, accident or DUI costs in Saint Louis Park
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $1,869 | — |
| 1 speeding ticket | $2,299 | +23% |
| 1 at-fault accident | $2,748 | +47% |
| DUI / DWI | $3,533 | +89% |
What a violation costs a 35-year-old in Saint Louis Park, MN. Surcharges normally stay on the policy for three to five years.
Minimum car insurance requirements in Minnesota
Every driver registering a vehicle in Minnesota must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Minnesota Department of Insurance.
| Required coverage in Minnesota | Minimum limit |
|---|---|
| Bodily injury liability, per person | $30,000 |
| Bodily injury liability, per accident | $60,000 |
| Property damage liability | $10,000 |
| PIP $40,000 | Required |
| Uninsured/underinsured 25/50 | Required |
| Insurance system | No-fault |
Coverage levels compared in Saint Louis Park
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $693 | $58 |
| Full coverage (100/300/100 + comp & collision) | $1,869 | $156 |
| Full coverage, high limits + low deductible | $2,224 | $185 |
Coverage level comparison for Saint Louis Park, MN.
Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.
ZIP codes we price in Saint Louis Park
Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Saint Louis Park covers 55416, 55404, 55435, 55426 among others. Enter yours in the calculator above.
Frequently asked questions
▸How much is car insurance in Saint Louis Park, MN?
▸What is the minimum car insurance required in Minnesota?
▸Who has the cheapest car insurance in Saint Louis Park?
▸How much does car insurance cost for a teen driver in Saint Louis Park?
▸How much does a DUI raise insurance in Saint Louis Park?
▸Can I lower my car insurance bill in Saint Louis Park?
Car insurance in nearby cities
Comparing more of Minnesota? See every Minnesota city we price or read the cheap car insurance guide for Saint Louis Park.