Cheapest Car Insurance Quotes in Maplewood

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Maplewood Car Insurance

^$ 29

/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 Maplewood

The car insurance rate in Maplewood is $956 for a six-month policy, which is $153 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $509, making it a popular choice for budget-conscious drivers. Rates in Maplewood 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 Maplewood

$956

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Maplewood

1st place: AAA

At $509 for a six month policy, AAA offers the cheapest auto insurance rates in the city.

2nd place: Iowa Farm Bureau

Iowa Farm Bureau offers auto insurance rates at $615 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $622 for six months, making it the third cheapest auto insurance company in Maplewood.

Maplewood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Maplewood, MN is AAA, offering policies at just $509 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $615.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1845 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Maplewood drivers find the best deals.

Cheap Car Insurance Companies in Maplewood, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$509	$87
Iowa Farm Bureau	$615	$102
Auto-Owners Insurance Co	$622	$106
Westfield	$622	$104
American Family	$757	$127
Travelers	$806	$136
West Bend Mutual	$806	$136
Nationwide	$954	$159
USAA	$969	$163
Auto-Owners	$1046	$176
State Farm	$1180	$199
West Bend	$1188	$198
Allstate	$1464	$246
Farmers	$1845	$307

Key Takeaways

Way's key takeaways about car insurance in Maplewood

The auto insurance costs in Maplewood fall around $509 for six months.
The cheapest auto insurance company in Maplewood is Westfield.
Teen drivers pay the highest rate in Maplewood at $1114 per month.

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Cheapest Minimum Liability Car Insurance in Maplewood

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 Maplewood are given below.

Westfield provides the cheapest minimum car insurance coverage in Maplewood. Their Average 6 Month Premium is $170. Nationwide is the most expensive at $368 for the same period.

Cheapest Liability Coverage in Maplewood, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$170	$29
West Bend Mutual	$240	$40
AAA	$248	$42
North Star Mutual	$262	$44
North Star Mutual Insurance	$262	$44
USAA	$262	$44
Auto-Owners	$296	$50
Auto-Owners Insurance Co	$296	$50
Iowa Farm Bureau	$296	$50
West Bend	$296	$50
Farmers Union Insurance	$303	$51
Travelers	$325	$55
American Family	$339	$57
State Farm	$339	$57
Western National	$361	$62
Allstate	$587	$99
Farmers	$827	$140
Nationwide	$368	$61

Cheapest Full Coverage Car Insurance in Maplewood

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 Maplewood is AAA at $87 per month and $509 for six months.

Cheapest Full Coverage Car Insurance Quotes in Maplewood, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$509	$87
Iowa Farm Bureau	$615	$102
Auto-Owners Insurance Co	$622	$106
Westfield	$622	$104
American Family	$757	$127
Travelers	$806	$136
West Bend Mutual	$806	$136
Nationwide	$954	$159
USAA	$969	$163
Auto-Owners	$1046	$176
State Farm	$1180	$199
West Bend	$1188	$198
Allstate	$1464	$246
Farmers	$1845	$307

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Average Car Insurance in Maplewood 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 Maplewood, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Maplewood, 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, Maplewood's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Maplewood

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	$791
30s	Farm Bureau Mutual	$565
40s	Farm Bureau Mutual	$559
50s	Farm Bureau Mutual	$470
60s	Farm Bureau Mutual	$482
70s	Farm Bureau Mutual	$565

Cheapest Car Insurance Rates for Teen Drivers in Maplewood,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Maplewood at $35 per month. At $6679 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$205	$35
North Star Mutual Insurance	$283	$48
Auto-Owners Insurance Co	$303	$51
AAA	$311	$52
Iowa Farm Bureau	$311	$52
Farmers Union Insurance	$325	$55
Umialik	$403	$69
Travelers	$1032	$174
Auto-Owners	$1484	$250
USAA	$1577	$265
American Family	$1909	$321
State Farm	$2291	$386
Allstate	$3838	$646
Farmers	$6679	$1114

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 Maplewood.

As young drivers face the highest rates in Maplewood, Farm Bureau Mutual offers the cheapest auto insurance rates at $791 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 Maplewood, West Bend Mutual is the cheapest car insurance provider. At $303 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 Maplewood is State Farm, offering rates of around $6121 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$303	$51
Westfield	$375	$62
Farmers Union Insurance	$417	$71
Iowa Farm Bureau	$587	$98
AAA	$664	$113
American Family	$1272	$214
USAA	$1767	$301
Travelers	$2113	$352
Auto-Owners	$2863	$487
Farmers	$3499	$583
Allstate	$3958	$674
State Farm	$6121	$1020

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

Car Insurance Rates with An Accident in Maplewood

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

Cheapest Car Insurance Companies after an At-Fault Accident in Maplewood

The cheapest car insurance companies after an at-fault accident in Maplewood include Westfield and Umialik, offering $248 and $311, respectively. Nationwide is an expensive provider with an average six-month premium of $488.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$248	$42
Umialik	$311	$52
Western National	$339	$57
Iowa Farm Bureau	$382	$65
Auto-Owners Insurance Co	$403	$67
Farmers Union Insurance	$411	$70
AAA	$417	$69
West Bend Mutual	$417	$71
North Star Mutual	$438	$73
North Star Mutual Insurance	$481	$82
Encompass	$524	$87
Auto-Owners	$757	$127
State Farm	$798	$134
Travelers	$841	$142
USAA	$969	$163
American Family	$1173	$198
Allstate	$2559	$431
Farmers	$2750	$468
Nationwide	$488	$81

Maplewood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Maplewood MN. For example, the car insurance in Maplewood after a DUI increases to $1301 for a six month policy. While the rate increases by $268 for a six-month policy in the case of a speeding ticket.

Maplewood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1216	$202
One Med/PIP claim	$1230	$209
Not-at-fault accident	$1251	$208
One comp claim	$1294	$220
Two Med/PIP claims	$1294	$215
Two comp claims	$1351	$230
Failure to wear a seat belt	$1385	$231
Failure to show documents	$1407	$239
Child safety restraint	$1428	$238
Driving without lights	$1428	$243
Driving with expired registration	$1457	$243
Cell phone violation	$1484	$252
Speeding 6 - 10 MPH over limit	$1484	$248
Texting while driving	$1484	$252
Following too closely	$1498	$250
Driving too slowly	$1505	$256
Failure to yield	$1505	$251
Illegal turn	$1505	$256
Speeding in school zone	$1505	$251
Wrong way/wrong lane	$1505	$256
Failure to stop at a red light	$1512	$252
Improper passing	$1512	$257
Speeding 11 - 15 MPH over limit	$1520	$253
Speeding 16 - 20 MPH over limit	$1534	$261
At-fault accident - less than $1000	$1570	$262
Passing school bus	$1570	$267
In 65 MPH zone	$1577	$263
Operating a vehicle without permission	$1584	$269
Speeding 21 - 25 MPH over limit	$1633	$273
At-fault accident - $1000-$2000	$1746	$296
Open container	$1753	$293
At-fault accident - greater than $2000	$1789	$305
Reckless driving	$2191	$365
Racing	$2262	$384
Driving with a suspended license	$2404	$401
Refusal to submit to a chemical test	$2431	$413
DUI	$2517	$419
Leaving scene of an accident/hit and run	$2608	$444

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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 Maplewood 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 Maplewood.

The cheapest car insurance premiums in Maplewood are offered by Umialik at $311 for a six-month policy. However, it can be as expensive as $2785 with companies like Farmers.

Maplewood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$311	$52
West Bend Mutual	$325	$55
Western National	$325	$55
Farmers Union Insurance	$389	$67
Westfield	$438	$73
Iowa Farm Bureau	$572	$98
Country Financial	$608	$101
Auto-Owners Insurance Co	$650	$111
Travelers	$884	$149
State Farm	$940	$158
American Family	$1060	$179
Auto-Owners	$1258	$212
USAA	$1279	$215
Allstate	$2637	$444
Farmers	$2785	$464

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 Maplewood are offered by Westfield at $205. However, it can be as expensive as $2657 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Maplewood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$205	$35
Iowa Farm Bureau	$325	$55
West Bend Mutual	$325	$55
Western National	$325	$55
Auto-Owners Insurance Co	$339	$57
Farmers Union Insurance	$368	$63
State Farm	$664	$112
American Family	$764	$129
USAA	$904	$151
Auto-Owners	$919	$156
Travelers	$947	$158
Farmers	$2311	$393
Allstate	$2657	$443

Car Insurance Price Trends in Maplewood, Minnesota

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

The average cost of full coverage in the Maplewood rose by $211 in December compared to $209 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Maplewood remained steady at $58 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Maplewood?

The car insurance in Maplewood is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Maplewood?

The cheapest car insurance in Maplewood is $87 per month for full coverage.

How much is car insurance in Maplewood for teenagers?

Car insurance for teenagers costs $205 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 Maplewood?

The average cost of car insurance is $803 for a six-month policy. It will cost around $159 per month to insure your car in Maplewood.

Is car insurance expensive in Maplewood?

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

Cheapest Car Insurance Quotes in Maplewood

Why you can trust Way?

How Much Is Car Insurance in Maplewood

Avg. Car Insurance in Maplewood

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Maplewood

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Maplewood Car Insurance Rates by Company

Cheap Car Insurance Companies in Maplewood, MN

Way's key takeaways about car insurance in Maplewood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Maplewood

Cheapest Liability Coverage in Maplewood, MN

Cheapest Full Coverage Car Insurance in Maplewood

Cheapest Full Coverage Car Insurance Quotes in Maplewood, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Maplewood by Rating Factor

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

Car Insurance Premiums by Age in Maplewood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Maplewood,MN

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

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 Maplewood

Cheapest Car Insurance Companies after an At-Fault Accident in Maplewood

Maplewood Car Insurance Rates by Violation

Maplewood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Maplewood after a DUI

Maplewood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Maplewood after Speeding ticket

Car Insurance Price Trends in Maplewood, Minnesota

Average Car Insurance Cost in Maplewood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Maplewood, MN

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

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