Cheapest Car Insurance Quotes in Maple Plain

Finding the cheapest car insurance quotes in Maple Plain shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Maple Plain Car Insurance

^$ 24

/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 Plain

The car insurance rate in Maple Plain is $953 for a six-month policy, which is $9 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $522, making it a popular choice for budget-conscious drivers. Rates in Maple Plain 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 Plain

$953

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Maple Plain

1st place: Iowa Farm Bureau

At $522 for a six month policy, Iowa Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $528 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $528 for six months, making it the third cheapest auto insurance company in Maple Plain.

Maple Plain Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Maple Plain, MN is Iowa Farm Bureau, offering policies at just $522 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $528.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1716 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Maple Plain drivers find the best deals.

Cheap Car Insurance Companies in Maple Plain, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$522	$89
Auto-Owners Insurance Co	$528	$88
Westfield	$528	$90
American Family	$551	$93
West Bend Mutual	$684	$115
Travelers	$732	$123
Nationwide	$810	$137
USAA	$846	$142
AAA	$876	$147
Auto-Owners	$936	$158
West Bend	$1008	$172
State Farm	$1055	$178
Western National	$1361	$231
Allstate	$1428	$240
North Star Mutual	$1674	$285
Farmers	$1716	$286

Key Takeaways

Way's key takeaways about car insurance in Maple Plain

The auto insurance costs in Maple Plain fall around $522 for six months.
The cheapest auto insurance company in Maple Plain is Westfield.
Teen drivers pay the highest rate in Maple Plain at $1031 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Maple Plain

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 Plain are given below.

Westfield provides the cheapest minimum car insurance coverage in Maple Plain. Their Average 6 Month Premium is $144. Nationwide is the most expensive at $312 for the same period.

Cheapest Liability Coverage in Maple Plain, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$144	$24
West Bend Mutual	$204	$34
North Star Mutual Insurance	$222	$37
USAA	$240	$40
Auto-Owners Insurance Co	$251	$42
Iowa Farm Bureau	$251	$42
West Bend	$251	$42
Farmers Union Insurance	$258	$43
Auto-Owners	$264	$44
North Star Mutual	$264	$44
AAA	$294	$49
American Family	$294	$49
Travelers	$294	$49
State Farm	$318	$54
Western National	$336	$57
Allstate	$492	$83
Farmers	$696	$118
Nationwide	$312	$52

Cheapest Full Coverage Car Insurance in Maple Plain

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 Plain is Iowa Farm Bureau at $89 per month and $522 for six months.

Cheapest Full Coverage Car Insurance Quotes in Maple Plain, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$522	$89
Auto-Owners Insurance Co	$528	$88
Westfield	$528	$90
American Family	$551	$93
West Bend Mutual	$684	$115
Travelers	$732	$123
Nationwide	$810	$137
USAA	$846	$142
AAA	$876	$147
Auto-Owners	$936	$158
West Bend	$1008	$172
State Farm	$1055	$178
Western National	$1361	$231
Allstate	$1428	$240
North Star Mutual	$1674	$285
Farmers	$1716	$286

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Maple Plain Instantly!

Average Car Insurance in Maple Plain 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 Plain, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Maple Plain, Minnesota, may be increasing due to several external factors. Minnesota 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 Plain'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 Plain

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Farm Bureau Mutual	$661
30s	Farm Bureau Mutual	$472
40s	Farm Bureau Mutual	$467
50s	Farm Bureau Mutual	$393
60s	Farm Bureau Mutual	$402
70s	Farm Bureau Mutual	$472

Cheapest Car Insurance Rates for Teen Drivers in Maple Plain,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Maple Plain at $29 per month. At $6185 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$174	$29
North Star Mutual Insurance	$240	$40
Auto-Owners Insurance Co	$258	$43
Iowa Farm Bureau	$264	$44
Farmers Union Insurance	$276	$46
Umialik	$342	$57
American Family	$936	$158
Travelers	$1050	$177
Auto-Owners	$1374	$231
USAA	$1404	$236
State Farm	$2094	$352
AAA	$2112	$356
Allstate	$3365	$567
North Star Mutual	$3528	$588
Western National	$3924	$668
Farmers	$6185	$1031

Teen Car Insurance Rates in MN by Age

Way Tip

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Maple Plain.

As young drivers face the highest rates in Maple Plain, Farm Bureau Mutual offers the cheapest auto insurance rates at $661 for six months.

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 Plain, West Bend Mutual is the cheapest car insurance provider. At $258 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 Plain is State Farm, offering rates of around $6846 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$258	$43
Westfield	$318	$53
Farmers Union Insurance	$354	$61
Iowa Farm Bureau	$498	$83
American Family	$510	$87
USAA	$1668	$278
AAA	$1859	$313
Travelers	$2394	$399
North Star Mutual	$2771	$472
Auto-Owners	$2892	$482
Farmers	$3179	$540
Western National	$3324	$553
Allstate	$3983	$678
State Farm	$6846	$1141

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Maple Plain.

Car Insurance Rates with An Accident in Maple Plain

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 Plain, MN, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Maple Plain include Westfield and Umialik, offering $210 and $264, respectively. Nationwide is an expensive provider with an average six-month premium of $414.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$210	$35
Umialik	$264	$44
Iowa Farm Bureau	$324	$54
Auto-Owners Insurance Co	$342	$59
Farmers Union Insurance	$348	$58
West Bend Mutual	$354	$61
North Star Mutual Insurance	$408	$68
Encompass	$444	$76
American Family	$624	$105
Western National	$648	$109
Auto-Owners	$696	$117
State Farm	$720	$121
Travelers	$804	$135
USAA	$864	$145
AAA	$1368	$230
North Star Mutual	$1620	$273
Farmers	$2526	$421
Allstate	$2616	$440
Nationwide	$414	$69

Maple Plain Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Maple Plain MN. For example, the car insurance in Maple Plain after a DUI increases to $1104 for a six month policy. While the rate increases by $227 for a six-month policy in the case of a speeding ticket.

Maple Plain auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1032	$172
One Med/PIP claim	$1044	$178
Not-at-fault accident	$1062	$177
One comp claim	$1098	$187
Two Med/PIP claims	$1098	$183
Two comp claims	$1146	$195
Failure to wear a seat belt	$1176	$196
Failure to show documents	$1194	$203
Child safety restraint	$1212	$202
Driving without lights	$1212	$206
Driving with expired registration	$1236	$206
Cell phone violation	$1259	$214
Speeding 6 - 10 MPH over limit	$1259	$210
Texting while driving	$1259	$214
Following too closely	$1272	$212
Driving too slowly	$1278	$217
Failure to yield	$1278	$213
Illegal turn	$1278	$217
Speeding in school zone	$1278	$213
Wrong way/wrong lane	$1278	$217
Failure to stop at a red light	$1284	$214
Improper passing	$1284	$218
Speeding 11 - 15 MPH over limit	$1290	$215
Speeding 16 - 20 MPH over limit	$1302	$221
At-fault accident - less than $1000	$1332	$222
Passing school bus	$1332	$226
In 65 MPH zone	$1338	$223
Operating a vehicle without permission	$1344	$228
Speeding 21 - 25 MPH over limit	$1386	$231
At-fault accident - $1000-$2000	$1482	$251
Open container	$1488	$248
At-fault accident - greater than $2000	$1518	$259
Reckless driving	$1859	$310
Racing	$1920	$326
Driving with a suspended license	$2040	$340
Refusal to submit to a chemical test	$2063	$350
DUI	$2136	$356
Leaving scene of an accident/hit and run	$2214	$377

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Plain 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 Plain.

The cheapest car insurance premiums in Maple Plain are offered by Umialik at $264 for a six-month policy. However, it can be as expensive as $4793 with companies like AAA.

Maple Plain car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$264	$44
West Bend Mutual	$276	$46
Farmers Union Insurance	$330	$55
Westfield	$372	$64
Iowa Farm Bureau	$486	$81
Country Financial	$516	$88
Auto-Owners Insurance Co	$551	$92
American Family	$582	$98
Western National	$822	$138
Travelers	$828	$139
State Farm	$1055	$178
USAA	$1140	$192
Auto-Owners	$1176	$198
Farmers	$2561	$435
Allstate	$2718	$458
North Star Mutual	$4787	$814
AAA	$4793	$799

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 Plain are offered by Westfield at $174. However, it can be as expensive as $3006 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Maple Plain after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$174	$29
Iowa Farm Bureau	$276	$46
West Bend Mutual	$276	$46
Auto-Owners Insurance Co	$288	$48
American Family	$306	$51
Farmers Union Insurance	$312	$54
State Farm	$660	$111
Western National	$822	$138
USAA	$870	$145
Auto-Owners	$960	$164
Travelers	$1044	$174
North Star Mutual	$1674	$285
Farmers	$2153	$359
AAA	$2232	$380
Allstate	$3006	$501

Car Insurance Price Trends in Maple Plain, Minnesota

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

The average cost of full coverage in the Maple Plain rose by $217 in January compared to $179 of December. In other words, there has been an increase by $38 when you compare January and December.

The average cost of liability insurance in the Maple Plain rose to $52 in January, compared to $49 in December. This represents an increase of $3 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Maple Plain?

The car insurance in Maple Plain is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Maple Plain?

The cheapest car insurance in Maple Plain is $89 per month for full coverage.

How much is car insurance in Maple Plain for teenagers?

Car insurance for teenagers costs $174 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 Plain?

The average cost of car insurance is $944 for a six-month policy. It will cost around $161 per month to insure your car in Maple Plain.

Is car insurance expensive in Maple Plain?

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

Cheapest Car Insurance Quotes in Maple Plain

Why you can trust Way?

How Much Is Car Insurance in Maple Plain

Avg. Car Insurance in Maple Plain

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Maple Plain

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Maple Plain Car Insurance Rates by Company

Cheap Car Insurance Companies in Maple Plain, MN

Way's key takeaways about car insurance in Maple Plain

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Maple Plain

Cheapest Liability Coverage in Maple Plain, MN

Cheapest Full Coverage Car Insurance in Maple Plain

Cheapest Full Coverage Car Insurance Quotes in Maple Plain, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Maple Plain by Rating Factor

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

Car Insurance Premiums by Age in Maple Plain

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Maple Plain,MN

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Maple Plain.

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 Plain

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

Maple Plain Car Insurance Rates by Violation

Maple Plain auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Maple Plain after a DUI

Maple Plain car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Maple Plain after Speeding ticket

Car Insurance Price Trends in Maple Plain, Minnesota

Average Car Insurance Cost in Maple Plain by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Maple Plain, MN

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

Featured Blogs

Data Sources