When it comes to protecting your vehicle, having the right auto insurance is key. But with so many options, choosing a provider can feel overwhelming. That’s why we created this comprehensive guide to finding the best car insurance companies in Maple Grove, MN.
As locals, we’ll highlight the top insurers based on cost, coverage, and reputation. You’ll also get tips for saving on your policy and FAQs to help you make the right choice for your needs Read on to become an expert on Maple Grove auto insurance!
Overview of Auto Insurance in Maple Grove
Maple Grove is a northwest suburb of the Twin Cities with around 70,000 residents. Minnesota drivers are required to have at least liability insurance with the following minimums:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $10,000 property damage liability
However, most experts recommend higher liability limits of 100/300/100 plus comprehensive and collision coverage.
The average annual cost of full coverage car insurance in Maple Grove is $1,732, which is on par with state and national averages. However, rates can vary dramatically based on your driving record, age, vehicle, and other factors.
Top Auto Insurers in Maple Grove
Based on consumer ratings and our local expertise here are the top car insurance providers available to Maple Grove drivers
State Farm
With excellent financial strength ratings and high customer satisfaction, State Farm is a leading choice in Maple Grove. They offer standard coverage plus options like rideshare insurance
Pros
- A++ financial rating from A.M. Best
- Positive local reputation for claims handling
- Large network of MN agents
Cons
- Mixed industry ratings for claims process
- Higher rates than some competitors
American Family Insurance
Headquartered in Madison, WI, American Family writes over $4 billion in premiums across 19 states including Minnesota. They earn strong reviews from customers.
Pros
- A financial strength rating from A.M. Best
- Broad coverage options and discounts
- Highly rated mobile app
Cons
- Limited to only 19 states
- Mixed industry ratings for claims satisfaction
Progressive
The #3 insurer nationwide, Progressive features cost-saving tools like Name Your Price® and Snapshot®. They also offer coverage add-ons like custom parts coverage.
Pros
- A+ financial strength rating from A.M. Best
- Lots of discounts and optional coverages
- Competitive rates, especially for high-risk drivers
Cons
- Higher than average complaints for claims process
- Reported gaps in customer service
Allstate
This brand name company sells policies through local agents and directly to consumers online and over the phone.
Pros
- A+ financial strength rating from A.M. Best
- Usage-based program TrackerTM can lower costs
- Wide array of extra coverage options
Cons
- Mixed claims satisfaction ratings
- High number of consumer complaints in MN
Tips for Saving on Maple Grove Car Insurance
- Shop around: Compare quotes from multiple insurers to find the best rate.
- Ask about discounts: Take advantage of savings like multi-policy, safe driver, and anti-theft device discounts.
- Raise your deductible: Increasing your deductible from $500 to $1,000 can reduce premiums up to 40%.
- Improve your credit: Maintaining good to excellent credit can save hundreds per year.
- Lower your mileage: Ask insurers about low-mileage discounts if you drive fewer than 7,500 miles annually.
- Take a defensive driving course: Completing an approved class can earn a discount of 5% to 15%.
- Buy a safer car: Insure a car with the latest safety features for the best rates.
- Bundle home insurance: Combining home and auto policies with the same provider can save up to 20%.
Maple Grove Car Insurance FAQs
What is the state minimum insurance requirement in Minnesota?
30/60/10 – $30,000 per person and $60,000 per accident in bodily injury liability plus $10,000 in property damage liability. All drivers are required to carry at least this level of coverage.
Should I purchase comprehensive and collision coverage?
Comp and collision provide protection if your car is damaged or totaled. Unless your vehicle is older or paid off, experts recommend carrying these extra coverages.
What companies offer usage-based insurance in Maple Grove?
Both Progressive and Allstate offer UBI programs called Snapshot and Tracker in Minnesota. These allow you to save based on safe driving habits.
What discounts should I ask about to lower my premium?
Common car insurance discounts include bundling insurance policies, maintaining a good driving record, completing a defensive driving course, anti-theft devices, vehicle safety features, loyalty with one insurer, and more.
How can I compare rates from different companies?
You can get quotes by calling agents, visiting company websites, or using an online comparison tool. Be sure to compare the same coverages when judging price.
Choosing the Best Auto Insurance in Maple Grove
Finding the right car insurance provider comes down to balancing cost, coverage, and customer satisfaction. While all the major insurers are available, we recommend starting with highly rated options like State Farm and American Family.
Be sure to obtain quotes from several companies and compare based on your vehicle, driving profile, and desired coverages. Also take advantage of discounts to maximize savings.
The Bottom Line
Picking the ideal car insurance company from available options in Maple Grove may seem challenging. But by comparing costs, understanding coverages, and leveraging discounts, you can make a confident choice. Be sure to assess insurers based on financial strength, customer service ratings, and local reputation as well.
The companies profiled in this guide like State Farm, American Family, Progressive, and Allstate are a great place to start your search. With the right auto insurance policy in place, you can hit the road worry-free. Just take your time to find the perfect fit for your vehicle, driving habits, and budgetary needs.
Find a Nationwide Insurance Agent in Maple Grove, MN
Even though Maple Grove is known for its safe neighborhoods and quiet streets, that doesn’t mean you don’t need auto insurance. Nationwide has what you need whether your main goal is to lower your monthly payments, make your liability protections stronger, or celebrate every year of safe driving with our Vanishing Deductible® program. And if you’re not sure what you want, talk to one of our Maple Grove auto insurance agents about which policy is best for you and your car(s).
It doesn’t matter what kind of Maple Grove home you have; you need home insurance to protect it from a wide range of risks. its not just the dwelling, either. Nationwide also provides coverage for your belongings and liability concerns. Please talk to one of our Maple Grove home insurance agents about the different types of coverage that are right for you.
We all worry about what will happen to our loved ones if something should happen to us. thats why every Nationwide life insurance policy includes coverage for the worst-case scenario. We can help both young families and people who are already retired with their Maple Grove life insurance needs because we offer unique coverage options. Some of our local Maple Grove customers want help choosing the right type of policy for them. Others are interested in adding Nationwide coverage for long-term care costs. If youve already done your research, we have an easy-to-use tool to find a quote. Otherwise, talk to an agent near you today.
Even businesses that arent on the Fortune 500 list have plenty of property and assets to protect. Please talk to one of our Maple Grove business insurance agents about how you can work together with Nationwide to better handle your company’s risks.