Best Cheap Auto Insurance in St. Cloud, MN (2021)

The average St. Cloud, MN auto insurance rates are $367 per month. The minimum auto insurance in St. Cloud is at least 30/60/10 in coverage to comply with Minnesota auto insurance laws. To find the best cheap auto insurance in St. Cloud, Minnesota, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Things to Remember

  • Average auto insurance rates in St. Cloud, MN for senior drivers are $2,903 per year
  • The minimum auto insurance required in St. Cloud, Minnesota is 30/60/10
  • The cheapest auto insurance company in St. Cloud is State Farm

St. Cloud, Minnesota auto insurance requirements are 30/60/10 according to Minnesota auto insurance laws. Finding cheap auto insurance in St. Cloud can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in St. Cloud, Minnesota, including driving record, credit, commute time, and more.

Compare auto insurance in St. Cloud to other Minnesota cities, including St. Cloud auto insurance rates, Woodbury auto insurance rates, and Duluth auto insurance rates to see how St. Cloud, Minnesota auto insurance rates stack up.

Before you buy St. Cloud, Minnesota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free St. Cloud, Minnesota auto insurance quotes.

Minimum Auto Insurance in St. Cloud, Minnesota

St. Cloud, Minnesota auto insurance laws require that you have at least the Minnesota minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in St. Cloud, Minnesota.

Minimum Required Auto Insurance Coverage in St. Cloud, Minnesota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap St. Cloud, Minnesota Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in St. Cloud, Minnesota are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in St. Cloud, Minnesota

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,000 $3,000 $2,905 $2,905 $6,828 $9,760 $3,667 $3,810
American Family $2,259 $2,259 $2,051 $2,051 $6,255 $8,999 $2,259 $2,539
Farmers $1,965 $1,963 $1,889 $2,003 $5,705 $5,775 $2,580 $2,523
GEICO $2,661 $2,637 $2,536 $2,466 $5,712 $7,234 $2,491 $2,596
Liberty Mutual $8,791 $8,791 $8,708 $8,708 $17,054 $25,465 $8,791 $12,140
Nationwide $2,159 $2,148 $1,926 $2,031 $5,745 $6,912 $2,563 $2,642
State Farm $1,601 $1,601 $1,447 $1,447 $3,597 $4,354 $1,840 $1,529
USAA $1,854 $1,816 $1,704 $1,677 $5,095 $5,514 $2,402 $2,520

Cheap St. Cloud, Minnesota Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in St. Cloud, Minnesota is a challenge. Take a look at the annual teen auto insurance rates in St. Cloud, Minnesota.

Annual Auto Insurance Rates for Teen Drivers in St. Cloud, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,828 $9,760
American Family $6,255 $8,999
Farmers $5,705 $5,775
GEICO $5,712 $7,234
Liberty Mutual $17,054 $25,465
Nationwide $5,745 $6,912
State Farm $3,597 $4,354
USAA $5,095 $5,514

Cheap St. Cloud, Minnesota Auto Insurance for Seniors

What are senior auto insurance rates in St. Cloud, Minnesota? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in St. Cloud, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,905 $2,905
American Family $2,051 $2,051
Farmers $1,889 $2,003
GEICO $2,536 $2,466
Liberty Mutual $8,708 $8,708
Nationwide $1,926 $2,031
State Farm $1,447 $1,447
USAA $1,704 $1,677

Cheap St. Cloud, Minnesota Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in St. Cloud, Minnesota compared to the annual auto insurance rates with a clean record in St. Cloud, Minnesota.

Annual St. Cloud, Minnesota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,229 $4,739 $5,694 $4,277
American Family $2,410 $4,327 $4,868 $2,731
Farmers $2,613 $3,287 $3,335 $2,967
GEICO $2,359 $3,738 $5,542 $2,527
Liberty Mutual $8,841 $12,282 $18,570 $9,532
Nationwide $2,603 $3,439 $3,946 $3,075
State Farm $1,985 $2,368 $2,177 $2,177
USAA $2,093 $2,684 $4,026 $2,488

Cheap St. Cloud, Minnesota Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in St. Cloud, Minnesota is not easy. Compare the annual rates for DUI auto insurance in St. Cloud, Minnesota to find the best deal.

Annual Auto Insurance Rates After a DUI in St. Cloud, Minnesota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,694
American Family $4,868
Farmers $3,335
GEICO $5,542
Liberty Mutual $18,570
Nationwide $3,946
State Farm $2,177
USAA $4,026

Cheap St. Cloud, Minnesota Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how St. Cloud, Minnesota annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in St. Cloud, Minnesota

Insurance Company Poor Fair Good
Allstate $6,565 $3,571 $3,318
American Family $4,910 $3,243 $2,599
Farmers $3,799 $2,766 $2,586
GEICO $4,251 $3,478 $2,896
Liberty Mutual $17,156 $11,093 $8,670
Nationwide $3,888 $3,138 $2,772
State Farm $3,175 $1,941 $1,415
USAA $4,374 $2,180 $1,915

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Cheap St. Cloud, Minnesota Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in St. Cloud, Minnesota can vary. Compare the annual cost of auto insurance by ZIP code in St. Cloud, Minnesota to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in St. Cloud, Minnesota

ZIP Code Average Annual Rates
56303 $3,359
56304 $3,379

Cheap St. Cloud, Minnesota Auto Insurance Rates By Commute

Commute length and annual mileage affect St. Cloud, Minnesota auto insurance. Find the cheapest annual St. Cloud, Minnesota auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in St. Cloud, Minnesota

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,485 $4,485
American Family $3,542 $3,626
Farmers $3,050 $3,050
GEICO $3,493 $3,590
Liberty Mutual $11,953 $12,660
Nationwide $3,266 $3,266
State Farm $2,115 $2,239
USAA $2,786 $2,859

Cheap St. Cloud, Minnesota Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in St. Cloud, Minnesota? Check out the comparison of annual St. Cloud, Minnesota auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in St. Cloud, Minnesota

Insurance Company Low Medium High
Allstate $4,411 $4,481 $4,562
American Family $3,562 $3,681 $3,509
Farmers $2,933 $3,064 $3,154
GEICO $3,421 $3,541 $3,662
Liberty Mutual $11,982 $12,317 $12,619
Nationwide $3,073 $3,293 $3,431
State Farm $2,082 $2,186 $2,263
USAA $2,732 $2,821 $2,916

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Best By Category: Cheapest Auto Insurance in St. Cloud, Minnesota

Compare the cheapest auto insurance companies in St. Cloud, Minnesota in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in St. Cloud, Minnesota

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

The Cheapest St. Cloud, Minnesota Auto Insurance Companies

What auto insurance companies in St. Cloud, Minnesota are the cheapest? Compare the top St. Cloud, Minnesota auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in St. Cloud, Minnesota

Insurance Company Average Annual Rates
Allstate $4,485
American Family $3,584
Farmers $3,050
GEICO $3,542
Liberty Mutual $12,306
Nationwide $3,266
State Farm $2,177
USAA $2,823

What affects auto insurance rates in St. Cloud, Minnesota?

There are a lot of reasons why auto insurance rates in St. Cloud, Minnesota are higher or lower than in other cities. These include traffic and the number of vehicle thefts in St. Cloud, Minnesota. Many local factors may affect your St. Cloud auto insurance rates.

St. Cloud Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average St. Cloud, Minnesota commute length is 18.4 minutes according to City-Data.

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Compare St. Cloud, Minnesota Auto Insurance Quotes

Before you buy St. Cloud, Minnesota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free St. Cloud, Minnesota auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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