Car Insurance in St. Cloud, MN
Take your time to choose car insurance in St. Cloud, MN, so your family has good protection for any circumstances.
Good auto insurance is essential in St. Cloud, especially considering that the majority of families (over 60%) own at least two vehicles. There are a few options for public transportation in the city, but if you're like about 80% of residents, you take your car to work or school. Your commuting habits are an important factor when comparing car insurance in St. Cloud, MN, using VIU by HUB.
The good news is that you probably have a short commute, so you don't have to spend as much time on the road. The average travel time is only 20 minutes, much better than commuting in the Twin Cities. Many of St. Cloud's 70,000 people work nearby in health care, financial services, manufacturing or retail.
The bad news is that St. Cloud still has its fair share of car accidents. In just one year, there were more than 1,000 crashes. This means that almost 20 drivers get into an accident every week. Some crashes are minor "fender benders," but others cause life-changing - and expensive - injuries.
St. Cloud has a variety of high-speed roadways traveling through it:
Some of these roadways have an average daily traffic volume of almost 30,000 vehicles. That's a lot of traffic.
One thing that may surprise you about your driving habits is that I-94 isn't the most dangerous road in St. Cloud for car accidents. It's true that interstates have a high number of crashes in the area, but there are statistically more accidents on county highways, municipal roads and city streets.
Another thing that can affect your choice of coverage for car insurance in St. Cloud, MN, is the cold winter weather:
These consistently cold and below-zero days can cause icy roads and dangerous snowstorms quickly. Not surprisingly, the majority of car accidents in St. Cloud happen during winter months.
Every family has different coverage needs. Here are a few questions you can think about to make a smart decision:
If you frequently deal with icy roads, collision insurance (for vehicle repair costs) and personal injury protection (for medical expenses) are two of the most important types of coverage. Make sure your policy has limits that are realistic for the cost of local healthcare.
Car insurance premiums depend on your age, vehicle and driving history. Drivers ages 15-24 are responsible for 25% of all car accidents in the region, so they usually have higher costs ” but also benefit more. The average for car insurance in St. Cloud, MN, is only $1,200 a year, considerably less than in other parts of the state. Use VIU by HUB to potentially save even more.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
MN Department of Transportation
