Maplewood Car Insurance

How much does car insurance cost in Maplewood, MN? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Maplewood?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Minnesota has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Maplewood typically pay around $122.69 per month compared to the national average of $140.70 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $140.70
Minnesota $105.18
Maplewood, Minnesota $122.69

Maplewood, MN Best Car Insurance Companies

car insurance in Maplewood

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Maplewood coming in around $97.08 per month. Other companies to consider if you live in Maplewood is State Farm with an average cost of $102.25 per month and Auto-Owners Insurance Co which typically runs around $110.67 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Maplewood.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $97.08-7.71%
2 State Farm $102.25-2.79%
3 Auto-Owners Insurance Co $110.675.22%
4 Farm Bureau Mutual (IA Group) $121.7415.74%
5 West Bend Mutual $128.6022.27%
6 American Family $134.8228.18%
7 Western National $160.9553.02%
8 Safeco $190.1480.77%
9 Liberty Mutual $192.0882.61%
10 Farmers $197.7788.02%

How Much is Car Insurance in Maplewood, MN?

how much is auto insurance in Maplewood

Rates can vary from city to city. The residents of Duluth typically pay $90.92 per month while people who live in Eden Prairie will pay $100.61 per month on average. See what people pay for car insurance in other cities in Minnesota.

Minnesota CitiesMonthly Average Rate
Duluth $90.92
Eden Prairie $100.61
Grand Rapids$96.27
Loretto$101.45
Mankato $97.53
Maple Plain$94.21
Maplewood $122.69
Minneapolis $118.10
Monticello$100.94
Moorhead $92.46
Norwood$116.62
Rochester $92.34
Rockford$100.57
Saint Cloud $103.69
Saint Paul $118.70
Young America$125.89

Cheap Car Insurance in Maplewood by Zip Codes

find cheap auto insurance in Maplewood

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Minnesota. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Maplewood, MN ZIP CodeAverage Monthly Rate
55109$126.33
55117$105.41
55119$131.98

Car Insurance Rates by Driver's Age Group in Maplewood

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $259.96 per month in Maplewood. Compare that to drivers in their 30’s who typically pay around $92.06 per month drivers in their 40s at $99.29 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$259.96
20s$155.96
30s$92.06
40s$99.29
50s$85.69
60s$92.13
70+$117.10

Cheapest Insurance for Teenage Drivers in Maplewood

If you are teen in Maplewood you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, American Family typically charges around $206.92 per month. This is likely the most affordable option in Maplewood. You might also want to consider State Farm and USAA who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
American Family$206.92
State Farm$207.50
USAA$213.38
Auto-Owners Insurance Co$245.42
West Bend Mutual$286.69

Cheapest Insurance for 20 Year-olds in Maplewood

20 year-olds in Maplewood might want to consider USAA who, on average, offers car insurance rates around $123.14 per month. Auto-Owners Insurance Co , State Farm , Farm Bureau Mutual (IA Group) and American Family are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$123.14
Auto-Owners Insurance Co$136.29
State Farm$136.82
Farm Bureau Mutual (IA Group)$151.83
American Family$164.35

Cheapest Insurance for 30 Year-olds in Maplewood

If you are in your 30s in Maplewood our research has found that USAA typically has the most affordable coverage coming in around $74.61 per month, followed by State Farm at $80.60 and Auto-Owners Insurance Co at $90.76.

CompanyAverage Monthly Rate
USAA$74.61
State Farm$80.60
Auto-Owners Insurance Co$90.76
West Bend Mutual$101.28
Farm Bureau Mutual (IA Group)$101.97

Cheapest Insurance for 40 Year-olds in Maplewood

On average, USAA offers car insurance for 40 year-olds in Maplewood for around $78.03 per month. If you are looking for affordable coverage, you may also want to consider State Farm or Farm Bureau Mutual (IA Group). The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$78.03
State Farm$83.18
Farm Bureau Mutual (IA Group)$97.80
Auto-Owners Insurance Co$110.83
West Bend Mutual$112.80

Cheapest Insurance for 50 Year-olds in Maplewood

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Maplewood we found that USAA generally offers the most affordable coverage at $72.72 per month.

CompanyAverage Monthly Rate
USAA$72.72
State Farm$84.99
Auto-Owners Insurance Co$90.44
Farm Bureau Mutual (IA Group)$91.39
West Bend Mutual$98.31

Cheapest Insurance for 60 Year-olds in Maplewood

If you live in Maplewood and you’re in your 60s, our data indicates that Auto-Owners Insurance Co usually has the best rates at $83.06 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Auto-Owners Insurance Co$83.06
USAA$83.77
State Farm$85.70
West Bend Mutual$88.61
Farm Bureau Mutual (IA Group)$93.03

Driver's Coverage Auto Insurance Rates in Maplewood, MN

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Maplewood, the average monthly rate for a driver who is currently insured is $125.53 while drivers who are not currently covered will pay around $118.84.

CoverageAverage Monthly Rate
Not Currently Insured $118.84
Currently Insured $125.53

Compare Recent Car Insurance Quotes in Maplewood

auto insurance quotes in Maplewood city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Maplewood a driver of a 2008 Chevrolet Silverado can expect to pay around $75.02 per month while someone that owns a 2010 Kia Soul may pay around $153.10 per month. Check out the list of recent quotes in Maplewood below.

VehicleAverage Monthly Rate
2008 Chevrolet Silverado$75.02
2010 Kia Soul$153.10
2014 Lexus Is$203.85
2005 Chevrolet Cobalt$78.87
2019 Mitsubishi Outlander Sport$172.85
2007 Kia Sedona$123.71
2013 Dodge Charger$163.88

FAQ's for Drivers in Maplewood, MN

driver’s frequently asked question in Maplewood

What Is the Minimum Liability Coverage Requirement in Maplewood, MN?

Motorists must maintain $30,000 in bodily injury liability for injuries to one person and $60,000 for injuries to two or more people per accident. Also, $10,000 in property damage liability is required to cover physical damage to the other driver’s vehicle or for damage to property. Minnesota drivers are also required to carry $40,000 in personal injury protection.

Additionally, uninsured motorist coverage in the amount of $25,000 for injuries to one person and $50,000 for injuries to two or more people and underinsured motorist coverage in the amount of $25,000 for injuries to one person and $50,000 for injuries to two or more people are required by law.

  •  $30,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  •  $60,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  •  $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

While it may seem like a poor use of your hard-earned money to add optional coverages to your policy, you’ll be happy to have the extra financial protection if you’re involved in a serious accident. Plus, most financial lenders require collision and comprehensive coverage, and some may require more than that. Check with your lender before taking out a new insurance policy to make sure you’re properly covered. If you don’t have adequate protection, your lender can buy insurance on your behalf, and this will cost a lot more than getting it on your own.

What Is the Blood Alcohol Concentration (BAC) limit in Maplewood, MN?

It’s against the law to drive in Minnesota at the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

Any amount of detectable alcohol in a person under age 21 will result in a DWI charge.

What is uninsured motorist coverage and is it required in Minnesota?

Yes. Both uninsured and underinsured motorist coverage is required in Minnesota. This type of insurance protects you in the event of an accident where the other party is at fault and is uninsured or doesn’t carry enough insurance. State minimum requirements for uninsured coverage are in the amounts of $25,000 for injuries to one person and $50,000 for injuries to two or more people per accident; state minimum requirements for underinsured motorist coverage are in the same amounts.

Check Out Other Rates in Maplewood, MN Nearby Cities:

Woodbury, MN

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Commute Time in Maplewood, MN

25.5 Miles
map

Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Maplewood, MN

341

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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