Cheapest Car Insurance Quotes in Mapleton

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Mapleton Car Insurance

^$ 38

/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 Mapleton

The car insurance rate in Mapleton is $1238 for a six-month policy, which is $171 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $496, making it a popular choice for budget-conscious drivers. Rates in Mapleton 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 Mapleton

$1238

Avg. Car Insurance in Utah

$1067

National Average

$1278

Cheapest Car Insurance Companies in Mapleton

1st place: Farmers Union Insurance

At $496 for a six month policy, Farmers Union Insurance offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $530 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $682 for six months, making it the third cheapest auto insurance company in Mapleton.

Mapleton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mapleton, UT is Farmers Union Insurance, offering policies at just $496 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $530.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2695 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mapleton drivers find the best deals.

Cheap Car Insurance Companies in Mapleton, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$496	$85
Auto-Owners Insurance Co	$530	$88
Nationwide	$682	$115
USAA	$778	$131
American Family	$882	$148
Progressive	$909	$153
Auto-Owners	$1102	$186
Farm Bureau	$1530	$255
Allstate	$1598	$269
State Farm	$2419	$407
Farmers	$2695	$458

Key Takeaways

Way's key takeaways about car insurance in Mapleton

The auto insurance costs in Mapleton fall around $496 for six months.
The cheapest auto insurance company in Mapleton is Farmers Union Insurance.
Teen drivers pay the highest rate in Mapleton at $1710 per month.

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Cheapest Minimum Liability Car Insurance in Mapleton

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 Mapleton are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Mapleton. Their Average 6 Month Premium is $227. Farmers is the most expensive at $1165 for the same period.

Cheapest Liability Coverage in Mapleton, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$227	$38
USAA	$283	$48
Auto-Owners Insurance Co	$296	$50
Nationwide	$324	$55
Progressive	$393	$66
Auto-Owners	$413	$70
American Family	$483	$81
Farm Bureau	$579	$99
Allstate	$724	$122
State Farm	$1102	$186
Farmers	$1165	$194

Cheapest Full Coverage Car Insurance in Mapleton

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 Mapleton is Farmers Union Insurance at $85 per month and $496 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mapleton, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$496	$85
Auto-Owners Insurance Co	$530	$88
Nationwide	$682	$115
USAA	$778	$131
American Family	$882	$148
Progressive	$909	$153
Auto-Owners	$1102	$186
Farm Bureau	$1530	$255
Allstate	$1598	$269
State Farm	$2419	$407
Farmers	$2695	$458

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Average Car Insurance in Mapleton 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 Mapleton, UT increasing?

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

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

Car Insurance Premiums by Age in Mapleton

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 Mapleton,UT

If you are planning to get a car insurance policy for your teenage dependent, Farmers Union Insurance provides the cheapest car insurance in the Mapleton at $59 per month. At $10260 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$358	$59
Auto-Owners Insurance Co	$406	$70
Iowa Farm Bureau	$427	$71
Utah Farm Bureau	$462	$79
USAA	$1557	$262
Nationwide	$1716	$289
Auto-Owners	$2226	$375
Progressive	$2728	$459
American Family	$3211	$541
Farm Bureau	$4024	$684
Allstate	$5457	$919
State Farm	$8674	$1460
Farmers	$10260	$1710

Teen Car Insurance Rates in UT 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 Mapleton, Nationwide is the cheapest car insurance provider. At $379 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 Mapleton is State Farm, offering rates of around $5106 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$379	$65
Farmers Union Insurance	$420	$70
Kemper	$621	$106
Auto-Owners Insurance Co	$710	$118
Progressive	$1199	$202
American Family	$1226	$206
USAA	$1771	$302
Farmers	$2501	$421
Farm Bureau	$2880	$490
Allstate	$2915	$486
Auto-Owners	$3004	$510
State Farm	$5106	$851

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Car Insurance Rates with An Accident in Mapleton

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 Mapleton, UT, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Mapleton include Farmers Union Insurance and AutoOwners Insurance Co, offering $365 and $490, respectively. Farmers is an expensive provider with an average six-month premium of $4038.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$365	$60
Auto-Owners Insurance Co	$490	$84
Utah Farm Bureau	$579	$96
Encompass	$640	$109
USAA	$771	$130
Nationwide	$806	$136
Progressive	$992	$167
American Family	$1186	$200
Auto-Owners	$1240	$209
Farm Bureau	$2363	$401
Allstate	$2377	$400
State Farm	$2805	$472
Farmers	$4038	$673

Mapleton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mapleton UT. For example, the car insurance in Mapleton after a DUI increases to $1137 for a six month policy. While the rate increases by $296 for a six-month policy in the case of a speeding ticket.

Mapleton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1268	$211
One Med/PIP claim	$1275	$217
Not-at-fault accident	$1303	$217
One comp claim	$1303	$222
Two Med/PIP claims	$1303	$217
Two comp claims	$1317	$224
Failure to show documents	$1440	$240
Child safety restraint	$1481	$252
Driving without lights	$1481	$247
Failure to wear a seat belt	$1481	$252
Driving with expired registration	$1509	$252
Cell phone violation	$1557	$264
Texting while driving	$1557	$260
Wrong way/wrong lane	$1557	$264
Driving too slowly	$1564	$261
Failure to yield	$1564	$266
Following too closely	$1564	$261
Illegal turn	$1564	$266
Speeding 6 - 10 MPH over limit	$1564	$261
Failure to stop at a red light	$1571	$267
Speeding 11 - 15 MPH over limit	$1571	$262
Speeding 16 - 20 MPH over limit	$1571	$267
Speeding in school zone	$1571	$262
Improper passing	$1578	$268
In 65 MPH zone	$1633	$273
Speeding 21 - 25 MPH over limit	$1661	$282
Passing school bus	$1667	$278
At-fault accident - less than $1000	$1757	$299
Operating a vehicle without permission	$1840	$306
At-fault accident - $1000-$2000	$1888	$321
Open container	$1901	$317
At-fault accident - greater than $2000	$1915	$326
Reckless driving	$2370	$396
Driving with a suspended license	$2384	$405
Refusal to submit to a chemical test	$2384	$398
DUI	$2405	$408
Racing	$2405	$401
Leaving scene of an accident/hit and run	$2508	$427

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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 Mapleton 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 Mapleton.

The cheapest car insurance premiums in Mapleton are offered by Utah Farm Bureau at $427 for a six-month policy. However, it can be as expensive as $4734 with companies like State Farm.

Mapleton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$427	$73
Farmers Union Insurance	$462	$77
Kemper	$530	$90
Progressive	$889	$150
USAA	$1186	$200
Nationwide	$1261	$212
American Family	$1303	$219
Allstate	$1695	$285
Farm Bureau	$1730	$295
Auto-Owners	$2859	$477
Farmers	$3624	$616
State Farm	$4734	$797

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 Mapleton are offered by Farmers Union Insurance at $289. However, it can be as expensive as $3734 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mapleton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$289	$49
Nationwide	$296	$50
Auto-Owners Insurance Co	$400	$68
American Family	$923	$155
Progressive	$1027	$173
USAA	$1054	$175
Auto-Owners	$1102	$188
Farm Bureau	$1730	$288
Allstate	$1826	$311
State Farm	$2688	$448
Farmers	$3734	$635

Car Insurance Price Trends in Mapleton, Utah

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

The average cost of full coverage in the Mapleton remained steady at $278 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Mapleton dipped to $81 in February, compared to $190 in January. This represents an decrease of $109 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in Mapleton?

The car insurance in Mapleton is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Mapleton?

The cheapest car insurance in Mapleton is $85 per month for full coverage.

How much is car insurance in Mapleton for teenagers?

Car insurance for teenagers costs $358 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 Mapleton?

The average cost of car insurance is $1067 for a six-month policy. It will cost around $208 per month to insure your car in Mapleton.

Is car insurance expensive in Mapleton?

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

What is the best car insurance in Mapleton, UT?

The best car insurance company in Mapleton UT is Farmers Union Insurance, offering $496 for a six-month policy.