Cheapest Car Insurance Quotes in Maple Rapids

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Maple Rapids Car Insurance

^$ 34

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Maple Rapids

The car insurance rate in Maple Rapids is $1284 for a six-month policy, which is $40 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $478, making it a popular choice for budget-conscious drivers. Rates in Maple Rapids can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Maple Rapids

$1284

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Maple Rapids

1st place: Travelers

At $478 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $611 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $663 for six months, making it the third cheapest auto insurance company in Maple Rapids.

Maple Rapids Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Maple Rapids, MI is Travelers, offering policies at just $478 for a six-month term. This is followed by USAA, which has an average six-month premium of $611.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $790 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Maple Rapids drivers find the best deals.

Cheap Car Insurance Companies in Maple Rapids, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$478	$81
USAA	$611	$103
Encompass	$663	$113
Auto-Owners Insurance Co	$680	$113
Chubb	$715	$121
Farm Bureau Ins of MI	$841	$141
Auto-Owners	$882	$148
AAA	$888	$149
Pioneer State Mutual Ins Co	$916	$156
Progressive	$939	$158
Westfield	$1141	$192
Farm Bureau	$1631	$272
Pioneer State Mutual	$1775	$302
State Farm	$1895	$319
Frankenmuth	$2017	$343
Bristol West	$2276	$379
Allstate	$1746	$297
Farmers	$3538	$601
Hastings Mutual	$790	$132

Key Takeaways

Way's key takeaways about car insurance in Maple Rapids

The auto insurance costs in Maple Rapids fall around $478 for six months.
The cheapest auto insurance company in Maple Rapids is Travelers.
Teen drivers pay the highest rate in Maple Rapids at $937 per month.

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Cheapest Minimum Liability Car Insurance in Maple Rapids

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Maple Rapids are given below.

Travelers provides the cheapest minimum car insurance coverage in Maple Rapids. Their Average 6 Month Premium is $202. Farmers is the most expensive at $1838 for the same period.

Cheapest Liability Coverage in Maple Rapids, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$202	$34
Westfield	$213	$36
USAA	$253	$43
Encompass	$276	$47
Chubb	$294	$50
Auto-Owners Insurance Co	$317	$52
Auto-Owners	$351	$59
Progressive	$398	$67
AAA	$404	$69
Farm Bureau Ins of MI	$409	$68
Farm Bureau	$513	$87
Pioneer State Mutual	$519	$86
Frankenmuth	$611	$104
State Farm	$945	$159
Bristol West	$951	$162
Allstate	$743	$126
Farmers	$1838	$307

Cheapest Full Coverage Car Insurance in Maple Rapids

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Maple Rapids is Travelers at $81 per month and $478 for six months.

Cheapest Full Coverage Car Insurance Quotes in Maple Rapids, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$478	$81
USAA	$611	$103
Encompass	$663	$113
Auto-Owners Insurance Co	$680	$113
Chubb	$715	$121
Farm Bureau Ins of MI	$841	$141
Auto-Owners	$882	$148
AAA	$888	$149
Pioneer State Mutual Ins Co	$916	$156
Progressive	$939	$158
Westfield	$1141	$192
Farm Bureau	$1631	$272
Pioneer State Mutual	$1775	$302
State Farm	$1895	$319
Frankenmuth	$2017	$343
Bristol West	$2276	$379
Allstate	$1746	$297
Farmers	$3538	$601
Hastings Mutual	$790	$132

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Average Car Insurance in Maple Rapids by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Maple Rapids, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Maple Rapids, Michigan, may be increasing due to several external factors. Michigan has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Maple Rapids's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Maple Rapids

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Maple Rapids,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Maple Rapids at $40 per month. At $5623 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$237	$40
Westfield	$253	$43
Encompass	$276	$47
Chubb	$329	$56
Auto-Owners Insurance Co	$345	$57
Grange	$449	$77
USAA	$974	$164
Auto-Owners	$1221	$206
AAA	$1585	$267
Progressive	$2236	$376
Farm Bureau	$2662	$443
Pioneer State Mutual	$3122	$531
Frankenmuth	$3722	$621
State Farm	$5232	$889
Allstate	$3780	$643
Farmers	$16225	$2759
Bristol West	$5623	$937

Teen Car Insurance Rates in MI by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Maple Rapids, Travelers is the cheapest car insurance provider. At $386 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Maple Rapids is Farm Bureau Ins of MI, offering rates of around $1221 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$386	$64
Encompass	$398	$68
Progressive	$559	$93
Westfield	$588	$100
Auto-Owners Insurance Co	$623	$104
Pioneer State Mutual Ins Co	$760	$129
Grange	$962	$160
Farm Bureau Ins of MI	$1221	$208

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Car Insurance Rates with An Accident in Maple Rapids

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Maple Rapids, MI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Maple Rapids

The cheapest car insurance companies after an at-fault accident in Maple Rapids include Chubb and Westfield, offering $294 and $311, respectively. Pioneer State is an expensive provider with an average six-month premium of $461.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$294	$50
Westfield	$311	$51
Auto-Owners Insurance Co	$363	$62
Encompass	$409	$68
Farm Bureau Ins of MI	$484	$82
Pioneer State Mutual Ins Co	$535	$89
Travelers	$570	$96
USAA	$743	$125
Progressive	$882	$148
Auto-Owners	$1025	$173
AAA	$1221	$206
Farm Bureau	$1993	$333
Pioneer State Mutual	$2126	$362
State Farm	$2403	$401
Frankenmuth	$2593	$441
Allstate	$2783	$464
Farmers	$4972	$846
Pioneer State	$461	$77

Maple Rapids Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Maple Rapids MI. For example, the car insurance in Maple Rapids after a DUI increases to $2328 for a six month policy. While the rate increases by $1268 for a six-month policy in the case of a speeding ticket.

Maple Rapids auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1268	$211
Failure to wear a seat belt	$1504	$256
Cell phone violation	$1596	$266
Texting while driving	$1596	$272
Illegal turn	$1601	$267
Wrong way/wrong lane	$1601	$273
Speeding in school zone	$1625	$271
Driving with expired registration	$1636	$278
Failure to stop at a red light	$1654	$275
Improper passing	$1654	$281
Speeding 16 - 20 MPH over limit	$1838	$307
Open container	$2166	$369
Driving with a suspended license	$2426	$404
Racing	$3128	$532
Reckless driving	$3400	$566
Leaving scene of an accident/hit and run	$3486	$593
DUI	$3596	$599

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Maple Rapids after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Maple Rapids.

The cheapest car insurance premiums in Maple Rapids are offered by Chubb at $294 for a six-month policy. However, it can be as expensive as $9080 with companies like Allstate.

Maple Rapids car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$294	$49
Auto-Owners Insurance Co	$778	$132
Grange	$784	$131
Farmers	$795	$135
Progressive	$876	$147
Pioneer State Mutual Ins Co	$945	$161
USAA	$1049	$177
Travelers	$1158	$197
Auto-Owners	$1873	$315
Westfield	$1907	$321
AAA	$2103	$354
Bristol West	$2697	$459
Pioneer State Mutual	$3394	$566
Farm Bureau	$3993	$679
State Farm	$4938	$831
Frankenmuth	$8937	$1520
Allstate	$9080	$1513

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Maple Rapids are offered by Westfield at $253. However, it can be as expensive as $11461 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Maple Rapids after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$253	$43
Chubb	$294	$49
Encompass	$311	$53
Travelers	$380	$63
Auto-Owners Insurance Co	$404	$69
Farm Bureau Ins of MI	$576	$96
Grange	$611	$104
Auto-Owners	$766	$128
USAA	$784	$133
AAA	$991	$165
Farm Bureau	$1025	$175
Pioneer State Mutual	$1129	$188
Progressive	$1152	$194
Frankenmuth	$1844	$307
State Farm	$3353	$570
Allstate	$2276	$387
Farmers	$11461	$1949

Car Insurance Price Trends in Maple Rapids, Michigan

Car insurance rates in Maple Rapids have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Maple Rapids dipped by $204 in January compared to $260 of December. In other words, there has been an decrease by $56 when you compare January and December.

The average cost of liability insurance in the Maple Rapids dipped to $72 in January, compared to $86 in December. This represents an decrease of $14 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Maple Rapids?

The car insurance in Maple Rapids is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Maple Rapids?

The cheapest car insurance in Maple Rapids is $81 per month for full coverage.

How much is car insurance in Maple Rapids for teenagers?

Car insurance for teenagers costs $237 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Maple Rapids?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $216 per month to insure your car in Maple Rapids.

Is car insurance expensive in Maple Rapids?

Car insurance can be expensive in Maple Rapids if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Maple Rapids can be affordable.

Cheapest Car Insurance Quotes in Maple Rapids

Why you can trust Way?

How Much Is Car Insurance in Maple Rapids

Avg. Car Insurance in Maple Rapids

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Maple Rapids

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Maple Rapids Car Insurance Rates by Company

Cheap Car Insurance Companies in Maple Rapids, MI

Way's key takeaways about car insurance in Maple Rapids

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Maple Rapids

Cheapest Liability Coverage in Maple Rapids, MI

Cheapest Full Coverage Car Insurance in Maple Rapids

Cheapest Full Coverage Car Insurance Quotes in Maple Rapids, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Maple Rapids by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Maple Rapids, MI increasing?

Car Insurance Premiums by Age in Maple Rapids

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Maple Rapids,MI

If you are in your twenties N/A is the best choice for car insurance in Maple Rapids.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Maple Rapids

Cheapest Car Insurance Companies after an At-Fault Accident in Maple Rapids

Maple Rapids Car Insurance Rates by Violation

Maple Rapids auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Maple Rapids after a DUI

Maple Rapids car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Maple Rapids after Speeding ticket

Car Insurance Price Trends in Maple Rapids, Michigan

Average Car Insurance Cost in Maple Rapids by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Maple Rapids, MI

Car Insurance Rates by State in the USA (2025 Update)

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