Maple Grove Car Insurance

From fender benders on Elm Creek Boulevard to multi-car collisions on I-94, accidents can happen anytime, anywhere and to anyone -- particularly in the winter when Maple Grove’s roads are slick with ice and sleet. Fortunately, a reliable auto insurance policy can shield drivers from facing large financial losses because of an accident. 

If you own a vehicle in Minnesota, you are required to have car insurance. An independent insurance agent in or near Maple Grove can help you find the best and most affordable car insurance policy to meet your coverage needs.

How Much Does Auto Insurance Cost in Maple Grove, Minnesota?

• National average cost per year: $1,311
• Minnesota average cost per year: $1,222
• Maple Grove average cost per year: $1,147

Minnesota is the 29th most expensive state for auto insurance. The average rate in this state is lower than the national average; in Maple Grove, the average rate is even lower. This is good news if you are in the market for an affordable car insurance policy.

Of course, the figures above are just averages. Actual rates will vary significantly from one driver to the next. This is because auto insurance rates are calculated on an individual basis according to several factors , such as:

• Your car’s make, model, and year 
• Your age, driving history, and credit score
• The amount of liability insurance you are purchasing
• Whether you are bundling your auto insurance with other policies like homeowners insurance or renters insurance, or if you qualify for any other discounts

Every insurance company uses a different formula to calculate costs. Comparing rates enables you to find the policy that is offered at the best price. Independent agents in Maple Grove make comparison shopping easy by helping you obtain and compare a variety of customized car insurance quotes. 

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Minnesota Car Insurance Requirements

• Bodily injury liability: Required
• Property damage liability: Required
• Personal injury protection (PIP): Required
• Uninsured motorist coverage: Required
• Minimum liability limits: 30/60/10; coverage up to $60,000 for all persons injured in an accident, subject to a limit of $30,000 for one individual; and $10,000 coverage for property damage.

Minnesota’s minimum coverage requirements are high enough to cover you for most accidents. However, a serious collision that results in extensive injuries and property damage can easily exceed these limits. If you do not have enough insurance to cover the costs, you will be required to make up the difference out of pocket.

That is why Maple Grove drivers frequently choose to purchase liability coverage in amounts that are much higher than the state requires. If you have a lot of assets you want to protect, an umbrella insurance policy can provide you with even more liability coverage. Your independent agent can help you determine how much liability coverage you can reasonably afford.

Number of Uninsured Motorists in Minnesota

Driving without insurance in Minnesota is a crime. If caught, you will face fines of up to $3,000, the suspension of your driver’s license, and possibly even jail time. Despite this, one in ten drivers in this state is uninsured.

• How many US drivers are uninsured? 12.6%.
• How many Minnesota drivers are uninsured? 10.8%.

If an uninsured driver is responsible for a collision with your vehicle, that person is expected to pay for any resultant damage and any necessary medical treatment. Unfortunately, collecting this money can be extremely time-consuming and difficult.  That is why uninsured motorist insurance was created. 

Uninsured motorist insurance is required in the state of Minnesota. It ensures that you have coverage for damage and medical treatment if you are in a collision with an uninsured, underinsured, or hit-and-run driver.  

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Number of Auto Thefts in Maple Grove, MN

In a typical year, Maple Grove residents report approximately 25 auto thefts. In a city this size, that equates to a very low auto theft rate. This is great news for vehicle owners in Maple Grove because it can help to lower auto insurance rates. 

• National number of thefts per 1,000 vehicles: 2.94
• Minnesota number of thefts per 1,000 vehicles: 1.74
• Maple Grove number of auto thefts per 1,000 vehicles: 0.38

Just because the risk of having your car stolen is low, that does not mean you should forgo comprehensive insurance. This optional coverage is often required by lenders until your car is paid in full. Also called “other than collision” insurance, comprehensive coverage compensates you for loss or damage caused by falling objects, floods, fires, and property crimes. 

Why Work with an Independent Insurance Agent?

An independent agent can serve as a great resource when you are buying insurance. These agents can explain your various options, answer insurance-related questions, and provide you with a variety of customized car insurance quotes to review and compare. That way, you can choose the best policy to meet your coverage and budgetary needs. 

Contact an independent agent in or near Maple Grove to get started.