Best Maple Grove, MN Car Insurance in 2024
Car insurance in Maple Grove, MN averages $380 a month. Maple Grove, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Maple Grove car insurance rates, compare quotes from the top car insurance companies in Maple Grove, MN.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Maple Grove, MN are $4,558/year
- The cheapest ZIP code in Maple Grove is 55311
- The cheapest car insurance company in Maple Grove is State Farm
If you need to buy Maple Grove, Minnesota car insurance, the options can be confusing. Everything you need to know about car insurance in Maple Grove, MN is right here.
You’ll find Maple Grove car insurance rates, the cheapest Maple Grove, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Maple Grove, Minnesota car insurance rates to St. Paul car insurance rates, Rochester car insurance rates, and Brooklyn Park car insurance rates.
Ready to find affordable Maple Grove, MN car insurance today? Enter your ZIP code for fast, free Maple Grove car insurance quotes.
Cheapest Maple Grove, MN Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Maple Grove, MN car insurance rates? Every Maple Grove, Minnesota car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,169 | $3,169 | $3,064 | $3,064 | $7,227 | $10,372 | $3,862 | $4,029 |
| American Family | $2,279 | $2,279 | $2,074 | $2,074 | $6,325 | $9,023 | $2,279 | $2,546 |
| Farmers | $1,998 | $2,001 | $1,919 | $2,048 | $5,978 | $6,123 | $2,644 | $2,595 |
| Geico | $2,394 | $2,370 | $2,276 | $2,213 | $5,295 | $6,680 | $2,238 | $2,350 |
| Liberty Mutual | $9,656 | $9,656 | $9,565 | $9,565 | $18,619 | $27,744 | $9,656 | $13,289 |
| Nationwide | $2,136 | $2,130 | $1,906 | $2,012 | $5,694 | $6,862 | $2,536 | $2,623 |
| State Farm | $1,631 | $1,631 | $1,478 | $1,478 | $3,724 | $4,544 | $1,883 | $1,553 |
| USAA | $1,823 | $1,782 | $1,677 | $1,647 | $5,006 | $5,407 | $2,357 | $2,467 |
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Minimum Car Insurance in Maple Grove, MN
Every driver must carry the minimum car insurance required by the state in Maple Grove, MN. Take a look at the Minnesota car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Maple Grove, MN Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Maple Grove, MN. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Maple Grove from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,930 | $3,784 | $3,519 |
| American Family | $5,000 | $3,245 | $2,584 |
| Farmers | $3,915 | $2,880 | $2,695 |
| Geico | $3,871 | $3,170 | $2,639 |
| Liberty Mutual | $18,761 | $12,146 | $9,500 |
| Nationwide | $3,851 | $3,111 | $2,750 |
| State Farm | $3,267 | $1,998 | $1,457 |
| USAA | $4,284 | $2,143 | $1,885 |
Cheapest Maple Grove, MN Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Maple Grove, MN to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,394 | $5,009 | $6,065 | $4,510 |
| American Family | $2,432 | $4,354 | $4,899 | $2,754 |
| Farmers | $2,716 | $3,396 | $3,455 | $3,087 |
| Geico | $2,162 | $3,408 | $5,021 | $2,316 |
| Liberty Mutual | $9,629 | $13,412 | $20,456 | $10,379 |
| Nationwide | $2,585 | $3,408 | $3,906 | $3,050 |
| State Farm | $2,041 | $2,440 | $2,240 | $2,240 |
| USAA | $2,056 | $2,637 | $3,947 | $2,444 |
Cheapest Maple Grove, MN Car Insurance for Teen Drivers
Teen car insurance in Maple Grove, MN can be expensive. Take a look at rates from the top car insurance companies in Maple Grove for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,227 | $10,372 |
| American Family | $6,325 | $9,023 |
| Farmers | $5,978 | $6,123 |
| Geico | $5,295 | $6,680 |
| Liberty Mutual | $18,619 | $27,744 |
| Nationwide | $5,694 | $6,862 |
| State Farm | $3,724 | $4,544 |
| USAA | $5,006 | $5,407 |
Cheapest Maple Grove, MN Car Insurance for Seniors
Take a look at Maple Grove, MN rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,064 | $3,064 |
| American Family | $2,074 | $2,074 |
| Farmers | $1,919 | $2,048 |
| Geico | $2,276 | $2,213 |
| Liberty Mutual | $9,565 | $9,565 |
| Nationwide | $1,906 | $2,012 |
| State Farm | $1,478 | $1,478 |
| USAA | $1,677 | $1,647 |
Cheapest Maple Grove, MN Car Insurance Rates After a DUI
A DUI in Maple Grove, MN increases car insurance rates. Compare Maple Grove, Minnesota car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,065 |
| American Family | $4,899 |
| Farmers | $3,455 |
| Geico | $5,021 |
| Liberty Mutual | $20,456 |
| Nationwide | $3,906 |
| State Farm | $2,240 |
| USAA | $3,947 |
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Cheapest Maple Grove, MN Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Maple Grove, MN by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,745 | $4,745 |
| American Family | $3,568 | $3,652 |
| Farmers | $3,163 | $3,163 |
| Geico | $3,182 | $3,272 |
| Liberty Mutual | $13,085 | $13,852 |
| Nationwide | $3,237 | $3,237 |
| State Farm | $2,177 | $2,304 |
| USAA | $2,735 | $2,807 |
Cheapest Maple Grove, MN Car Insurance Rates by ZIP Code
Maple Grove car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Maple Grove, MN.
| ZIP Code | Average Annual Rates |
|---|---|
| 55311 | $3,468 |
| 55369 | $3,510 |
The Best Cheap Car Insurance Companies in Maple Grove, MN
Take a look at a side-by-side comparison of the top car insurance companies in Maple Grove, MN to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,745 |
| American Family | $3,610 |
| Farmers | $3,163 |
| Geico | $3,227 |
| Liberty Mutual | $13,469 |
| Nationwide | $3,237 |
| State Farm | $2,240 |
| USAA | $2,771 |
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Category Winners: Cheapest Car Insurance in Maple Grove, Minnesota
Find the cheapest car insurance companies in Maple Grove, MN for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | State Farm |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
Cheapest Maple Grove, MN Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Maple Grove car insurance rates. Find the cheapest Maple Grove, MN car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,669 | $4,742 | $4,823 |
| American Family | $3,585 | $3,706 | $3,538 |
| Farmers | $3,029 | $3,181 | $3,280 |
| Geico | $3,113 | $3,229 | $3,339 |
| Liberty Mutual | $13,076 | $13,484 | $13,847 |
| Nationwide | $3,036 | $3,266 | $3,409 |
| State Farm | $2,135 | $2,251 | $2,335 |
| USAA | $2,683 | $2,769 | $2,861 |
What affects car insurance rates in Maple Grove, Minnesota?
What are the factors that affect car insurance rates in Maple Grove, MN? There are several reasons why Maple Grove car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Maple Grove, Minnesota.
Commute Time in Maple Grove
The more time you spend in your car the higher the risk of an accident. The average commute length in Maple Grove, MN is 25.9 minutes according to City-Data.
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Compare Car Insurance Quotes in Maple Grove, MN
Ready to find affordable Maple Grove, Minnesota car insurance today? Enter your ZIP code for fast, free Maple Grove, MN car insurance quotes.
Frequently Asked Questions
What factors determine car insurance rates in Maple Grove, MN?
Car insurance rates in Maple Grove, MN are determined by several factors. These factors include your driving history, age, gender, the type of vehicle you drive, your credit score, the coverage options you choose, and the deductible amount. Additionally, factors specific to Maple Grove, MN, such as local traffic patterns, crime rates, and accident statistics, can also impact insurance rates.
How can I compare car insurance rates in Maple Grove, MN?
To compare car insurance rates in Maple Grove, MN, you can follow these steps:
- Gather necessary information: Collect details about your vehicle, driving history, and coverage preferences.
- Research insurance companies: Look for reputable insurance providers that offer coverage in Maple Grove, MN.
- Request quotes: Contact different insurance companies or use online platforms to obtain quotes based on your information.
- Compare rates and coverage: Review the quotes received, considering both the premium amounts and the coverage options provided.
- Evaluate customer reviews and satisfaction ratings: Check customer feedback and ratings to gauge the quality of service provided by each insurer.
- Choose the best option: Select an insurance policy that offers the coverage you need at a competitive rate.
Are car insurance rates in Maple Grove, MN higher than average?
Car insurance rates in Maple Grove, MN can vary depending on several factors, including your individual circumstances and the insurance company you choose. While rates in Maple Grove may differ from the national or state average, it is essential to compare rates from multiple insurers to get an accurate understanding of the costs specific to your situation.
Can I lower my car insurance rates in Maple Grove, MN?
Yes, there are several ways you can potentially lower your car insurance rates in Maple Grove, MN:
- Maintain a clean driving record: Avoid accidents and traffic violations.
- Opt for a higher deductible: Choosing a higher deductible amount can lower your premium, but keep in mind that you’ll pay more out of pocket in the event of a claim.
- Bundle policies: Consider bundling your car insurance with other policies, such as home or renters insurance, as many insurers offer discounts for multiple policies.
- Improve your credit score: A good credit score can help reduce insurance premiums.
- Explore discounts: Inquire about available discounts, such as safe driver discounts, multi-car discounts, or discounts for completing defensive driving courses.
Are there any specific car insurance requirements in Maple Grove, MN?
Yes, like all states in the U.S., Minnesota has specific car insurance requirements. In Maple Grove, MN, drivers must carry liability insurance coverage with the following minimum limits:
- $30,000 for bodily injury or death per person
- $60,000 for bodily injury or death per accident
- $10,000 for property damage per accident
How often should I compare car insurance rates in Maple Grove, MN?
It’s a good idea to compare car insurance rates in Maple Grove, MN at least once a year or whenever you experience a significant change in your circumstances, such as getting a new vehicle, moving to a different address, or experiencing changes in your credit score or driving record. Regularly reviewing your options can help ensure you’re getting the best coverage at the most competitive rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.