Maplewood, MN Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Maplewood, MN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Maplewood, MN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Maplewood, MN Auto Insurance Rates
- Maplewood, MN Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Maplewood, MN
- Multi Vehicle Insurance Savings in Maplewood, MN
- How Credit Score Affects Car Insurance Rates in Maplewood, MN
- How DUI Affects Auto Insurance Premiums in Maplewood, MN
- Top Auto Insurance Agents Near Maplewood, MN
- How Driving Violations Affect Auto Insurance Rates in Maplewood, MN
- Maplewood, MN Auto Insurance Discounts on Anti Theft Feature
- Maplewood, MN Auto Insurance Company Reviews
Maplewood, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Maplewood, MN with that of other cities in and around Maplewood.
| Maplewood | Gem Lake | Ramsey County | Vadnais Heights | Little Canada | Birchwood Village | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,232 | $1,375 | $1,316 | $1,324 | $1,312 | $1,401 |
Maplewood, MN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Maplewood, MN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Maplewood | $2,065 | $1,744 |
| North St. Paul | $1,742 | $1,471 |
| Little Canada | $1,474 | $1,245 |
| Gem Lake | $1,653 | $1,396 |
| Vadnais Heights | $1,405 | $1,187 |
| White Bear Lake | $1,240 | $1,047 |
| Ramsey County | $1,599 | $1,350 |
| Birchwood Village | $1,012 | $855 |
Maplewood, MN Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Maplewood, MN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,998 |
| 20 Years | $1,583 |
| 30 Years | $1,219 |
| 40 Years | $1,173 |
| 50 Years | $1,086 |
| 60 Years | $1,101 |
| 70 Years | $1,282 |
Maplewood, MN Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Maplewood, MN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,094 | $370 |
| 3 Vehicles | $3,142 | $554 |
| 4 Vehicles | $4,189 | $739 |
Savings on 2 Vehicles bundle:$370
Savings on 3 Vehicles bundle:$554
Savings on 4 Vehicles bundle:$739
Maplewood, MN Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Maplewood, MN.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Maplewood | $1,232 | $2,249 |
| North St. Paul | $1,676 | $3,060 |
| Little Canada | $1,312 | $2,395 |
| Gem Lake | $1,375 | $2,510 |
| Vadnais Heights | $1,324 | $2,417 |
| White Bear Lake | $1,313 | $2,397 |
| Ramsey County | $1,316 | $2,403 |
| Birchwood Village | $1,401 | $2,558 |
Maplewood, MN Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,057 |
| Excellent (740-799) | $1,207 |
| Good (670-739) | $1,284 |
| Average (580-669) | $1,675 |
| Poor (300-579) | $2,010 |
Maplewood, MN Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| The Insurance Shop | Travelers | 4637 WHITE BEAR PKWY, WHITE BEAR LAKE, 55110 | 651-714-5300 |
| Maguire Agency | Liberty Mutual Independent | 1970 OAKCREST AVE STE 300, ROSEVILLE, 55113 | 800-666-9393 |
| Tom Baecker | Allstate | 3673 Lexington Ave N Ste E, Arden Hills, 55126 | (651) 730-6666 |
| Tyler Antony | State Farm | 1190 County Road J Ste 200, Saint Paul, 55127-6816 | 651-429-0241 |
| Scott Roth | State Farm | 984 Inwood Ave N, Oakdale, 55128-6625 | 651-735-9695 |
| Mike Hoffman | State Farm | 2475 Maplewood Dr Ste 114, Saint Paul, 55109-1979 | 651-770-8732 |
| Cornerstone Insurance Agency Of Oakdale Inc | Travelers | 6230 10TH ST N STE 430, OAKDALE, 55128 | 651-739-9302 |
| Wiessner Inc | Travelers | 250 SOUTH HAMLINE AVE, ST PAUL, 55105 | 651-698-0771 |
| East Metro Insurance Agency, Llc | None | 1075 Hadley Ave N Ste 102, Oakdale, 55128 | None |
| Turitto Agency Inc | Travelers | 1349 S ROBERT ST STE 103, W ST PAUL, 55118 | 651-455-4808 |
Maplewood, MN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$54 | $1,286 |
| Driver's Failure In Showing Documents | +$120 | $1,352 |
| Driving With An Expired Registration | +$127 | $1,359 |
| Driving At A Considerably Slow Pace | +$267 | $1,499 |
| Using A Cellphone While Driving | +$282 | $1,514 |
| Running A Red Light | +$287 | $1,519 |
| Speeding | +$302 | $1,534 |
| Driving A Vehicle Without The Required Permission | +$383 | $1,615 |
| Driving With An Expired/Suspended License | +$830 | $2,062 |
Maplewood, MN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,183 |
| Active Disabling Device | $1,183 |
| Tracking Device | $1,158 |
| Passive Disabling Device | $1,146 |
Latest Auto Insurance Reviews in Maplewood, MN | Back to Top
State FarmI would highly recommend State Farm as an auto insurance company.They are very helpful when you have to submit a claim and make a bad situation a lot easier.
AmeripriseTo me, our car insurance policy and deductible seems to be high.We have not had speeding or traffic tickets in over ten years, have two older cars that are paid off, and we are older, experienced drivers.
NationwideI would recommend them because for standard products, you can get everything through them and their pricing is very competitive. Also, they have very good customer service.
AmeripriseSomewhat - while it's easy to transfer our insurance coverage whenever we get a new car, and the paperwork is always prompt , I feel that making a claim is ridiculously hard & the customer service reps within this area are quite rude.
AmeripriseSomewhat - while it's easy to transfer our insurance coverage whenever we get a new car, and the paperwork is always prompt , I feel that making a claim is ridiculously hard & the customer service reps within this area are quite rude.