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Updated on Jan 30, 2025

R.E. Fulton

Expert Insurance Writer and Editor

Reviewed by Josh Damico, Head of Insurance Operations

Edited by Lina Zhang, Lisenced Insurance Agent

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance quotes in Saint Paul
Best car insurance companies in Saint Paul
Best cheap car insurance quotes in Saint Paul
Average cost of car insurance in Saint Paul
Car insurance quotes in Saint Paul by rating factors
How Do Different Factors Impact Your Car Insurance Costs in Saint Paul?
Cheap car insurance quotes in Saint Paul after driving violations
Cheap car insurance quotes in Saint Paul by age
Cheap car insurance quotes in Saint Paul based on insurance history
Cheap car insurance quotes in Saint Paul for popular cars
How to lower car insurance costs in Saint Paul
FAQ
Methodology
Meet our Experts

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How to find the cheapest car insurance quotes in Saint Paul

In Saint Paul, the average

auto insurance

policy costs about $103 per month for minimum coverage liability insurance, and about $206 per month for full coverage insurance. Saint Paul drivers pay 12% less than the

Rhode Island

average.

Drivers looking to save on car insurance in Saint Paul, Rhode Island trust Jerry. Jerry helps you

compare and buy car insurance policies

that meet your needs and budget in seconds. Check out the table below for cheap car insurance quotes Jerry found for Saint Paul drivers.

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Progressive	$152	Sallie, 42 Zip: 55126	Mitsubishi Outlander Black Edit	• State Minimum Liability • Comp / Collision
Travelers	$195	Kevin, 21 Zip: 55125	Ford F-150 Supercrew	• 100,000/300,000 Liability • Comp / Collision
Safeco	$158	Lillie, 27 Zip: 55125	Honda Accord Sport	• 50,000/100,000 Liability • Comp / Collision
Nationwide	$199	Abbie, 53 Zip: 55104	Jeep Compass Latitude	• 100,000/300,000 Liability • Comp / Collision
Bristol West	$146	Seth, 32 Zip: 55102	Honda Accord SE	• No Coverage Liability

Last Updated Jan 30, 2025

Compare car insurance quotes now

Best car insurance companies in Saint Paul

There is no one-size-fits-all model for car insurance—what works for one driver may not work for another.

Car insurance quotes

vary between providers and drivers due to age, driving record, and credit score. So no single company offers the most affordable rate for every driver.

Aside from price, there are other factors to consider when choosing an insurance provider, such as claims handling and customer service.

For Saint Paul drivers looking for the cheapest car insurance company in Rhode Island, you’re in the right place. Jerry conducted the largest insurance survey in the nation—and the results were surprising. Big-name carriers like GEICO and Progressive received good feedback for customer service, but only Liberty Mutual and Nationwide got 5/5 rankings overall.

If you’re wondering which carrier might be your best pick, check out the table below to see how Saint Paul drivers ranked different insurance companies on a scale of 0 to 5.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Safeco	4.8	4.8	N/A	4.8
Geico	4.8	3.7	N/A	4
Travelers	3.7	N/A	N/A
Progressive	3.7	3.5	4.1	3.8
State Farm	3.7	2.6	N/A	4

Best cheap car insurance quotes in Saint Paul

Drivers in Saint Paul must carry liability insurance that meets the state-mandated requirements before getting on the road. But while minimum coverage might be all that’s required, it’s often not enough.

Consider purchasing a full coverage policy. If you’re involved in an accident, whether at fault or not, collision and comprehensive coverage offer greater financial protection for you and your car.

Cheap minimum liability insurance quotes in Saint Paul

If you’re behind the wheel in Saint Paul, Rhode Island, you’ll need bodily injury and property damage liability that meets the state coverage limits. In Rhode Island, it follows the 25/50/25 rule.

Here’s a breakdown of Rhode Island’s

liability insurance

minimums:

$25,000

bodily injury liability

per person

$50,000 bodily injury liability per accident

$25,000

property damage liability

per accident

In most cases, drivers in Rhode Island must also have

uninsured motorist coverage

, but you can choose to decline the purchase if you have a policy with only the minimum limits of bodily injury and property damage liability as required by law.

With this basic liability insurance coverage, you’ll be covered up to your policy limits if you’re at fault in an accident that causes injury or property damage while driving.

Finding affordable car insurance can be tricky—but Jerry is here to help.

Progressive

Sallie (42 years old)

Coverage

State Minimum

Saint Paul, MN
(Zip Code: 55126)

Mitsubishi Outlander Black Edit

$152

per month

Safeco

Sophie (27 years old)

Coverage

State Minimum

Saint Paul, MN
(Zip Code: 55125)

Honda Accord Sport

$164

per month

Travelers

Chase (45 years old)

Coverage

State Minimum

Saint Paul, MN
(Zip Code: 55102)

Chrysler Concorde LX

$181

per month

Bristol West

Theresa (31 years old)

Coverage

State Minimum

Saint Paul, MN
(Zip Code: 55112)

Ford Fusion S

$87

per month

National General

Mable (44 years old)

Coverage

State Minimum

Saint Paul, MN
(Zip Code: 55104)

Volkswagen CC Sport

$116

per month

Do you need more than minimum coverage in Saint Paul?

The minimum insurance requirements in Rhode Island are higher than in many other states, but most drivers purchase minimum insurance that exceeds the 25/50/25 liability coverage.

If you’re involved in a car crash, and you or the other party sustain serious injuries or damage, the expenses can quickly add up to more than your policy limits. And if you’re found at fault, you’ll need to cover the rest of the damage costs yourself. For this reason, insurance experts generally recommend choosing higher liability limits, such as 50/100/50 or 100/300/100.

On top of that, liability coverage only covers others’ injuries and damages—not your own. Without additional coverage, you could be on the hook for covering your own medical expenses or vehicle damage.

The bottom line: For more financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.

Cheap full coverage car insurance quotes in Saint Paul

If you don’t want to deal with the financial burden of a serious accident, investing in full-coverage

car insurance

is the way to go.

Full-coverage insurance includes liability coverage in addition to comprehensive and collision coverage.

Comprehensive coverage

pays for damage to your car from almost all other causes, including fire, theft, vandalism, hail, ice, flooding, and animal damage. It will also cover the cost of broken glass, such as windshield damage.

Collision coverage

pays for damage that results from a collision with another car or stationary object, such as a tree or sign.

If you lease or finance your car, your lender will require you to have collision and comprehensive coverage.

On top of a full-coverage policy, you can also purchase

uninsured motorist coverage

to protect you against injuries and property damage if you’re in a collision with a driver who doesn’t have insurance.

Check out the table below for examples of how drivers in Saint Paul found affordable full-coverage insurance policies with Jerry.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$152	Sallie, 42 Zip: 55126	Mitsubishi Outlander Black Edit
• 50,000/100,000 Liability • Comp / Collision	Safeco	$158	Lillie, 27 Zip: 55125	Honda Accord Sport
• 100,000/300,000 Liability • Comp / Collision	Travelers	$195	Kevin, 21 Zip: 55125	Ford F-150 Supercrew
• 100,000/300,000 Liability • Comp / Collision	Nationwide	$199	Abbie, 53 Zip: 55104	Jeep Compass Latitude
• 100,000/300,000 Liability • Comp / Collision	Mercury	$129	Lottie, 29 Zip: 55101	Nissan Rogue S

Last Updated Jan 27, 2025

Finding affordable car insurance doesn’t have to be like finding a needle in a haystack. With a comparison app and licensed

insurance broker

like Jerry, you can find the coverage you need at the most affordable rates in minutes. And with over 100+ licensed insurance agents and 24/7 end-to-end customer service, no questions will go unanswered.

Average cost of car insurance in Saint Paul

After analyzing scores of insurance providers in Saint Paul, we have discovered that the average price for minimum liability coverage amounts to be $103 per month or $1,236 per year. Additionally, residents of Saint Paul can expect to pay an average of $206 per month or $2,472 per year for full coverage insurance.

Insurance coverage	Average insurance cost (monthly)	Average insurance cost (yearly)
State minimum coverage	$97	$1,169
Full coverage	$182	$2,186

While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Average cost of car insurance in Saint Paul by zip code

The cost of car insurance in Saint Paul can greatly differ depending on your specific zip code. Each individual zip code within Saint Paul has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.

In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
55101	$46	$175
55102	$22	$88
55103	$114	$195
55104	$86	$165
55107	$84	$234
55110	$99	$177
55114	$102	$124
55116	$77	$131
55127	$40	$91
55130	$116	$120

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Car insurance quotes in Saint Paul by rating factors

Insurance companies in Saint Paul use many rating factors when

deciding your auto insurance premium

Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.

Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.

Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.

Your mileage: High annual mileage can result in higher insurance costs.

The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.

Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How Do Different Factors Impact Your Car Insurance Costs in Saint Paul?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Rhode Island currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more abut the car insurance rating factors in Saint Paul:

Cheap car insurance quotes in Saint Paul after driving violations

Your

Rhode Island driving record

also has a big influence on your car insurance premium. If your driving record has a long history of violations, you’re flagged as a “

high-risk driver

” and will pay more for insurance.

Some common violations that could increase your insurance rates include:

Speeding

DUIs

At fault accident

Reckless driving

Driving on a suspended license

Driving without insurance

Cheapest car insurance in Saint Paul after speeding ticket

Speeding tickets

don’t always increase your car insurance rates, but they do in Rhode Island—and some have more of an impact than others. If you’re caught driving 22 mph or more over the speed limit, for example, you’ll see a steeper rate hike than a speeding ticket for just 3 mph over the speed limit.

Here are rates Rhode Island drivers have found through Jerry after receiving a speeding ticket.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 11-15	Progressive	$128	Jimmy, 26 Zip: 55116	Ford Focus Titanium	• State Minimum Liability
Speeding 16-20	Safeco	$254	Albert, 31 Zip: 55126	Tesla Model Y	• 100,000/300,000 Liability • Comp / Collision

Last Updated Jan 28, 2025

Cheapest car insurance in Saint Paul after DUI

DUI violation

in Rhode Island can send you car insurance rates through the roof. Having a DUI charge on your driving record classifies you as a high-risk driver, and many insurers aren’t willing to offer high-risk car insurance.

But there’s good news—some insurers charge less for car insurance for drivers with a major violation on their record, so it can pay to shop around.

Rhode Islanders have found affordable policies with Jerry after receiving a DUI.

Progressive

Eva (36 years old)

Coverage

State Minimum

Saint Paul, MN
(Zip Code: 55104)

Acura MDX Technology

$159

per month

Bristol West

Antonio (28 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Saint Paul, MN
(Zip Code: 55106)

Chevrolet Avalanche K1500

$237

per month

Cheapest car insurance in Saint Paul after an at-fault accident

Your accident and claims history plays a major role in how much you pay for car insurance. That said, having

accident forgiveness

on your policy can help prevent your rates from spiking.

Drivers who have had one or more at-fault accidents can often see high insurance premiums—check out how Jerry helped Saint Paul drivers with an accident on their record find affordable insurance.

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With Injury	Progressive	$322	Oscar, 33 Zip: 55103	Toyota RAV4	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Safeco	$88	Ronnie, 32 Zip: 55122	Honda CR-V LX	• 50,000/100,000 Liability • Comp / Collision
Not At Fault	Travelers	$195	Julian, 21 Zip: 55125	Ford F-150 Supercrew	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Nationwide	$199	Nora, 53 Zip: 55104	Jeep Compass Latitude	• 100,000/300,000 Liability • Comp / Collision

Last Updated Jan 25, 2025

Cheapest car insurance in Saint Paul after other driving violations

Speeding tickets, DUIs, and at-fault accidents aren’t the only reasons your insurance could increase. Other driving violations, such as

reckless driving

and driving without insurance, can also cause your car insurance costs to increase in Saint Paul.

To get a better idea of how violations can cause rates to vary, here’s a look at the rates Jerry users have found for various violations.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Illegal Turn	National General	$273	Edward, 56 Zip: 55103	Chevrolet Colorado Z71	• State Minimum Liability • Comp / Collision
Failure to Obey Signal	Progressive	$144	Katharine, 26 Zip: 55126	Ford Taurus SEL	• 100,000/300,000 Liability • Comp / Collision
Cell Phone	Bristol West	$146	Marion, 32 Zip: 55102	Honda Accord SE	• No Coverage Liability
Careless Driving	Safeco	$138	Mitchell, 30 Zip: 55122	Ford F-150 Supercrew	• 100,000/300,000 Liability
Driving on Sus. License	Bristol West	$149	Beulah, 37 Zip: 55103	Subaru Impreza 2.5I Premium	• 100,000/300,000 Liability
Failure to Obey Signal	Progressive	$144	Floyd, 26 Zip: 55126	Ford Taurus SEL	• 100,000/300,000 Liability • Comp / Collision
Improper Passing	Progressive	$136	Bill, 39 Zip: 55124	GMC Yukon	• 100,000/300,000 Liability • Comp / Collision

Last Updated Jan 27, 2025

Cheap car insurance quotes in Saint Paul by age

Teen drivers

aged 16 to 19 and those without an

unrestricted driver’s license

see some of the highest insurance rates of any age demographic due to limited driving experience. After age 25, safe drivers typically see their car insurance rates decrease—but they’ll start to increase again in their mid-70s.

Cheapest car insurance in Saint Paul for young drivers

Drivers under 19 pay the highest insurance rates out of any age group in Saint Paul. For teen drivers with a new car, purchasing a full coverage policy is recommended. Limited driving experience means a higher risk of getting into a car crash, so full coverage can offer greater financial protection and peace of mind—and staying on a parent's insurance policy can also keep rates low.

Progressive

Christopher (24 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Saint Paul, MN
(Zip Code: 55107)

Ford Focus SE

$126

per month

Safeco

Jerome (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Saint Paul, MN
(Zip Code: 55109)

Ford Taurus SES

$82

per month

Travelers

Kevin (21 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Saint Paul, MN
(Zip Code: 55125)

Ford F-150 Supercrew

$195

per month

Bristol West

Antonio (24 years old)

Coverage

State Minimum

Saint Paul, MN
(Zip Code: 55108)

Chrysler Town & Country LX

$113

per month

State Auto

Grace (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Saint Paul, MN
(Zip Code: 55102)

Acura RDX

$194

per month

Cheapest car insurance in Saint Paul for senior drivers

Seniors are also hit hard when it comes to insurance premiums.

Car insurance rates for seniors

start to rise around 75 for several reasons—namely that older drivers are more susceptible to severe injuries and mortality if involved in an accident and have slower reflexes that can increase the risk of a collision.

Progressive

Mathilda (71 years old)

Coverage

State Minimum

Saint Paul, MN
(Zip Code: 55104)

Ford Fusion SE

$238

per month

Travelers

Ray (67 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Saint Paul, MN
(Zip Code: 55119)

Jeep Grand Cherokee Laredo

$115

per month

Safeco

Lydia (71 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Saint Paul, MN
(Zip Code: 55115)

Nissan Murano S

$130

per month

Bristol West

Joshua (71 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Saint Paul, MN
(Zip Code: 55116)

Ford Taurus SEL

$76

per month

Over 3,500,000 customers and counting

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Audrey

Cheap car insurance quotes in Saint Paul based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any

lapses in coverage

Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:

Progressive

Calvin (42 years old)

Currently Insured

Coverage

State Minimum

Saint Paul, MN
(Zip Code: 55126)

Mitsubishi Outlander Black Edit

$152

per month

Safeco

Maud (27 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Saint Paul, MN
(Zip Code: 55125)

Honda Accord Sport

$158

per month

Nationwide

Norman (53 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Saint Paul, MN
(Zip Code: 55104)

Jeep Compass Latitude

$199

per month

Travelers

Jacob (21 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Saint Paul, MN
(Zip Code: 55125)

Ford F-150 Supercrew

$195

per month

Gainsco

Jorge (32 years old)

Currently Insured

Coverage

No Coverage

Saint Paul, MN
(Zip Code: 55102)

Honda Accord SE

$132

per month

Cheap car insurance quotes in Saint Paul for drivers with poor credit

While having

a low credit score

doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.

As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$63	Mittie, 72 Zip: 55128	Buick Encore Preferred	• State Minimum Liability • Comp / Collision
660 - 750	Safeco	$145	Jonathan, 30 Zip: 55109	Toyota Prius	• 50,000/100,000 Liability • Comp / Collision
660 - 750	Travelers	$195	Julian, 21 Zip: 55125	Ford F-150 Supercrew	• 100,000/300,000 Liability • Comp / Collision
550 - 659	Nationwide	$162	Amy, 28 Zip: 55106	Toyota RAV4 Limited	• 50,000/100,000 Liability • Comp / Collision
< 550	Bristol West	$115	Willie, 32 Zip: 55119	Hyundai Elantra GLS	• State Minimum Liability

Last Updated Jan 29, 2025

Cheap car insurance quotes in Saint Paul for popular cars

Your vehicle make and model have a significant impact on your car insurance costs. Insurers will evaluate your vehicle’s safety, theft risk, repair and replacement costs, and other factors when calculating your premium.

Some of the most popular vehicles in Rhode Island include:

Chevrolet Silverado 1500

MORE:

How to get car insurance before buying a car

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Mitsubishi Outlander Black Edit	Progressive	$152	Calvin, 42 Zip: 55126	• State Minimum Liability • Comp / Collision

Last Updated Jan 27, 2025

Cheapest car insurance in Saint Paul for new vs. old car

Your vehicle’s make and model aren’t the only things that matter—its age does, too. The cost of insuring a newer car in Saint Paul is generally more expensive than that of an older car.

Average insurance rates in Saint Paul for vehicles based on age are:

Vehicles 10 years or older: $141

Vehicles less than 4 years old: $218

Progressive

Augusta (44 years old)

2015 Volkswagen CC Sport

Coverage

State Minimum

Saint Paul, MN
(Zip Code: 55104)

$173

per month

Safeco

Lillie (27 years old)

2017 Honda Accord Sport

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Saint Paul, MN
(Zip Code: 55125)

$158

per month

Travelers

Kevin (21 years old)

2013 Ford F-150 Supercrew

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Saint Paul, MN
(Zip Code: 55125)

$195

per month

Nationwide

Mathilda (47 years old)

2014 Chevrolet Impala Limited LT

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Saint Paul, MN
(Zip Code: 55106)

$187

per month

State Auto

Philip (39 years old)

2006 Honda Accord EX

Coverage

State Minimum

Saint Paul, MN
(Zip Code: 55130)

$166

per month

Mercury

Lottie (29 years old)

2016 Nissan Rogue S

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Saint Paul, MN
(Zip Code: 55101)

$129

per month

How to lower car insurance costs in Saint Paul

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

Compare car insurance quotes now

2. Hunt for car insurance discounts

Every insurance company offers

a set of discounts

, but the exact discount offered varies by company. Some common discounts include:

Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.

Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!

Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

Bundling discounts.

Bundle your home and auto insurance

(or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Saint Paul?

People living in Saint Paul pay on average $103 per month – or $1,236 per year – on state-minimum liability coverage. Full coverage in Saint Paul costs on average $206 per month of $2,472 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Saint Paul?

Based on thousands of Saint Paul drivers Jerry has worked with, car insurance in Saint Paul costs an average of $103 per month for state-minimum coverage and $206 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the minimum car insurance in Saint Paul, Rhode Island?

The state-minimum car insurance in Saint Paul, Rhode Island is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.

What is the best car insurance in Saint Paul?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Liberty Mutual,

Progressive

, and

Nationwide

receive good ratings from Saint Paul drivers, based on the largest car insurance survey in the nation conducted by Jerry.

Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

15 Years Working in Insurance

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.

Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.