When shopping for car insurance in St. Paul, how do you know if you’re getting the best rate? Certainly, the process of finding an insurance agent or company can be tedious especially if you’re not familiar with Minnesota auto insurance requirements. Our free auto insurance quote feature allows you to quickly get the rate and coverage information you need right in the comfort of your own home.
Obtaining insurance quotes online is fast becoming a popular way for drivers to research and compare car insurance companies. Having the right protection in place is important to protecting your financial investment, vehicle and loved ones. By taking time to discover available coverage options, you can rest assured that the auto insurance policy you choose is the best fit for your particular needs. Be sure to input your zip code in the supplied box above to start receiving car insurance quotes instantly.
Car Insurance Agents in St. Paul
St. Paul, Minnesota is home to many professional and reliable insurance agents that have the expertise to help insurance shoppers with finding the right car insurance in St. Paul. Finding a local agent familiar with the community and the unique insurance needs of those living in St. Paul can truly help consumers get the best deals on St. Paul auto insurance. We’ve added the following well-known insurance companies as a resource for those wanting superior customer service from a financially stable company.
St. Paul Allstate Insurance Agents
Forty-seven Allstate Insurance agents provide rates, coverage and claims service to drivers in St. Paul and surrounding communities including Blaine, Maplewood, St. Anthony, Eagan, Bloomington, Stillwater, St. Louis Park, Burnsville, Golden Valley and Lakeville to name a few.
St. Paul Farmers Insurance Agents
A team of 50 Farmers Insurance agents provide auto insurance in St. Paul and the neighboring suburbs. Bilingual agents are also available to offer services in Spanish, Vietnamese, Hmong and Thai.
St. Paul Progressive Insurance Agents
The Progressive insurance agents in St. Paul number 10 agents and agencies to help local residents with finding rates, obtaining coverage and claims service.
St. Paul State Farm Insurance Agents
State Farm is part of the local St. Paul community with 50 insurance agents that locate their offices in places convenient to client homes and offices. Bilingual Spanish agents are also available to assist the Spanish speaking community with purchasing St. Paul car insurance.
If your agency does not appear on our insurance resource list, please let us know using our contact form. Currently, we do not off individual agent listings except through our paid feature option.
St. Paul Car Insurance Rates
St. Paul car insurance rates average $1,695 per year according to CarInsurance.com. This rate is 14 percent less than the overall average of $1,958.03 for the state of Minnesota but two percent higher than the national average of $1,678. This means that Minnesota drivers need to pay close attention to the rate they are paying for their auto insurance and be sure to obtain new quotes each year to make sure they are getting the best rates available.
Driving in St. Paul
As the capital of Minnesota and the 2nd largest population in the state, St. Paul is also the seat of Ramsey County. In fact, it is one of the most densely populated areas, and residents have long complained of the inefficient way in which the streets and roads are laid out since navigating around town can be confusing. Driving in St. Paul’s heavy traffic also makes it an area at risk for traffic accidents. Minnesota residents will want to fully insure their vehicles so that should an accident occur, they have sufficient coverage to take care of paying the claim and any damages.
Heavy traffic congestion was recently cited in the research of the Inrix.com National Traffic Scorecard where St. Paul and Bloomington, Minnesota ranked 11th in the nation for most congested metro areas. And although traffic can be troublesome particularly during rush hour, the city placed 45th for best drivers out of 200 other U.S. cities in the 2011 Best Drivers Report by Allstate.
St. Paul is located in Ramsey County where according to the National Highway Traffic Safety Administration, the country ranked 9th out of 87 Minnesota counties in 2010 for traffic fatalities. The actual number of deaths for 2010 was 11, which represented a 42 percent decrease in car accident fatalities from the previous year. Of those 11 deaths, 4 were caused by a driver under the influence of drugs or alcohol.
The Minnesota Department of Transportation offers residents an opportunity for real time traffic reports in St. Paul and other large Minnesota cities. They participate in the 511 program whereby residents may dial 5-1-1 on their cell phone or landline and get up-to-date information on roadwork, traffic incidents, closed roads and weather related driving advisories. This information may also be obtained on the DOT website as well.
Minnesota Auto Insurance Laws
The auto insurance laws in Minnesota are more complex than those found in other states. In fact, the state requires that four different types of Minnesota car insurance be purchased in order to drive. These coverages include liability, personal injury protection, uninsured and underinsured motorist. The state operates as a no fault state; however, the term applies differently than many state’s practices.
We invite you to visit our Minnesota auto insurance law guide in order to learn the details related to the state’s insurance system. The intricacies of the auto insurance laws require that drivers be careful to obtain the right type and amount of coverage when shopping for car insurance in St. Paul. Failing to maintain the appropriate amount and type of coverage can result in suspension of your license, fines and license plate revocation.
St. Paul Car Insurance Quotes
Save time and find additional St. Paul auto insurance savings by obtaining instant insurance quotes using our informative quoting tool. With little effort, you’ll have multiple quotes in your hands within minutes as opposed to hours on the phone speaking with different agents and companies. You’ll also save time and gas by not needing to drive around town. In the privacy of your home, you can determine what coverage works best to protect your property and finances, and if you choose, even purchase the policy right online.