Cheapest Car Insurance Quotes in Maplewood

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Maplewood Car Insurance

^$ 35

/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 $1385 for a six-month policy, which is $221 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $594, 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

$1385

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Maplewood

1st place: American Family

At $594 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $798 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $820 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, MO is American Family, offering policies at just $594 for a six-month term. This is followed by USAA, which has an average six-month premium of $798.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3386 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, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$594	$101
USAA	$798	$134
Travelers	$820	$138
Encompass	$1117	$186
Shelter	$1152	$194
State Farm	$1258	$212
Electric	$1301	$221
Farm Bureau	$1336	$223
Missouri Farm Bureau	$1421	$242
Progressive	$1471	$248
Allstate	$1577	$265
Nationwide	$1781	$296
Farmers	$3386	$576

Key Takeaways

Way's key takeaways about car insurance in Maplewood

The auto insurance costs in Maplewood fall around $594 for six months.
The cheapest auto insurance company in Maplewood is USAA.
Teen drivers pay the highest rate in Maplewood at $1848 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.

USAA provides the cheapest minimum car insurance coverage in Maplewood. Their Average 6 Month Premium is $205. Farmers is the most expensive at $1216 for the same period.

Cheapest Liability Coverage in Maplewood, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$205	$35
Missouri Farm Bureau	$226	$38
Electric	$290	$49
Travelers	$296	$50
Farm Bureau	$303	$51
American Family	$318	$54
Encompass	$332	$56
Progressive	$339	$57
Shelter	$417	$70
State Farm	$445	$75
Nationwide	$714	$119
Allstate	$743	$125
Farmers	$1216	$202

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 American Family at $101 per month and $594 for six months.

Cheapest Full Coverage Car Insurance Quotes in Maplewood, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$594	$101
USAA	$798	$134
Travelers	$820	$138
Encompass	$1117	$186
Shelter	$1152	$194
State Farm	$1258	$212
Electric	$1301	$221
Farm Bureau	$1336	$223
Missouri Farm Bureau	$1421	$242
Progressive	$1471	$248
Allstate	$1577	$265
Nationwide	$1781	$296
Farmers	$3386	$576

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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, MO increasing?

Despite maintaining a clean driving record, your car insurance rates in Maplewood, Missouri, may be increasing due to several external factors. Missouri 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

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Cheapest Car Insurance Rates for Teen Drivers in Maplewood,MO

If you are planning to get a car insurance policy for your teenage dependent, Missouri Farm Bureau provides the cheapest car insurance in the Maplewood at $50 per month. At $11091 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$296	$50
American Family	$339	$57
Travelers	$1286	$217
USAA	$1301	$219
Progressive	$2481	$418
State Farm	$2559	$431
Shelter	$2856	$481
Farm Bureau	$3471	$590
Allstate	$4510	$759
Nationwide	$5436	$925
Farmers	$11091	$1848

Teen Car Insurance Rates in MO 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 Maplewood, Kemper is the cheapest car insurance provider. At $544 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 Farmers, offering rates of around $6885 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$544	$93
American Family	$580	$96
Nationwide	$671	$114
Travelers	$1082	$182
USAA	$1251	$213
Progressive	$1577	$265
Shelter	$1810	$305
Farm Bureau	$2248	$375
Allstate	$2637	$444
State Farm	$4772	$795
Farmers	$6885	$1171

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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, MO, 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 Missouri Farm Bureau and Electric, offering $248 and $353, respectively. Farmers is an expensive provider with an average six-month premium of $4828.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$248	$42
Electric	$353	$61
American Family	$389	$64
Encompass	$452	$77
USAA	$644	$108
Travelers	$728	$123
Progressive	$1067	$180
State Farm	$1110	$187
Shelter	$1244	$209
Farm Bureau	$1724	$293
Nationwide	$2637	$439
Allstate	$3202	$539
Farmers	$4828	$804

Maplewood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Maplewood MO. For example, the car insurance in Maplewood after a DUI increases to $961 for a six month policy. While the rate increases by $332 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	$1902	$317
One Med/PIP claim	$1902	$324
Not-at-fault accident	$1958	$326
One comp claim	$1972	$336
Two Med/PIP claims	$1972	$328
Two comp claims	$2099	$357
Failure to wear a seat belt	$2156	$359
Failure to show documents	$2163	$368
Child safety restraint	$2198	$367
Driving without lights	$2198	$374
Driving with expired registration	$2212	$369
Cell phone violation	$2226	$378
Driving too slowly	$2226	$371
Following too closely	$2226	$378
Speeding in school zone	$2226	$371
Failure to yield	$2234	$380
Speeding 11 - 15 MPH over limit	$2234	$372
Speeding 16 - 20 MPH over limit	$2234	$380
Speeding 6 - 10 MPH over limit	$2234	$372
Texting while driving	$2234	$380
Illegal turn	$2241	$374
Wrong way/wrong lane	$2241	$381
Failure to stop at a red light	$2248	$375
Improper passing	$2248	$382
Speeding 21 - 25 MPH over limit	$2248	$375
In 65 MPH zone	$2262	$384
Passing school bus	$2304	$384
Open container	$2375	$403
Operating a vehicle without permission	$2431	$406
At-fault accident - less than $1000	$2630	$447
At-fault accident - $1000-$2000	$2777	$463
At-fault accident - greater than $2000	$2777	$472
Refusal to submit to a chemical test	$2813	$469
DUI	$2863	$487
Driving with a suspended license	$2926	$488
Racing	$2998	$509
Leaving scene of an accident/hit and run	$3039	$507
Reckless driving	$3075	$522

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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 Missouri Farm Bureau at $296 for a six-month policy. However, it can be as expensive as $6192 with companies like Farmers.

Maplewood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$296	$50
American Family	$382	$63
Kemper	$474	$81
Travelers	$764	$129
USAA	$976	$164
Progressive	$1025	$173
Shelter	$1385	$233
State Farm	$1505	$253
Farm Bureau	$1626	$276
Allstate	$2623	$441
Nationwide	$3287	$559
Farmers	$6192	$1032

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 American Family at $382. However, it can be as expensive as $4298 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Maplewood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$382	$65
Travelers	$791	$133
USAA	$820	$139
Shelter	$912	$154
State Farm	$976	$164
Progressive	$1188	$200
Farm Bureau	$1378	$234
Allstate	$2382	$397
Farmers	$4298	$731

Car Insurance Price Trends in Maplewood, Missouri

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 $265 in January compared to $155 of December. In other words, there has been an increase by $110 when you compare January and December.

The average cost of liability insurance in the Maplewood rose to $67 in January, compared to $57 in December. This represents an increase of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Maplewood?

The car insurance in Maplewood is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Maplewood?

The cheapest car insurance in Maplewood is $101 per month for full coverage.

How much is car insurance in Maplewood for teenagers?

Car insurance for teenagers costs $296 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 $1164 for a six-month policy. It will cost around $233 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 Missouri

National Average

Cheapest Car Insurance Companies in Maplewood

1st place: American Family

2nd place: USAA

3rd place: Travelers

Maplewood Car Insurance Rates by Company

Cheap Car Insurance Companies in Maplewood, MO

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, MO

Cheapest Full Coverage Car Insurance in Maplewood

Cheapest Full Coverage Car Insurance Quotes in Maplewood, MO

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, MO 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,MO

If you are in your twenties N/A 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, Missouri

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, MO

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

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