Maplewood, MN Auto Insurance
Maplewood, home to 3M's global headquarters and Maplewood Mall, sees heavy commuter and retail traffic on Highway 36, where a fatal rollover and a documented crash closure have both made local news. The Allen Thomas Group is an independent, family-owned agency licensed to serve Maplewood and Ramsey County, and we compare 15+ A-rated carriers to build coverage that fits.
Carriers We Represent
Auto Insurance in Maplewood and Ramsey County
Highway 36 is Maplewood's primary corridor, with I-694 and I-494/94 nearby. A verified crash closure occurred on Highway 36 at Roselawn Avenue (July 2026), and a fatal rollover on Highway 36 has also been documented by local news.
As Minnesota's smallest county by area but second-most populous, Ramsey County is one of the state's most urbanized, suggesting directionally lower deer-vehicle collision exposure than rural counties, though no specific figure was confirmed. Maplewood's 3M global headquarters and Maplewood Mall drive heavy commuter and retail traffic onto Highway 36 and I-694 well beyond what the resident population alone would generate.
How Much Does Auto Insurance Cost in Maplewood, MN?
One source cites roughly $121/month for Maplewood versus a national comparison of $170/month, but there's no verified full/minimum-coverage split at the city level; we recommend using the Minnesota statewide average of roughly $2,561/year for full coverage. The figures below are general guidance, not a quote.
Maplewood premiums are shaped by Highway 36's documented crash history, heavy 3M and Maplewood Mall-driven commuter and retail traffic, and Ramsey County's urbanized setting. We help Maplewood drivers structure liability, comprehensive and collision coverage around those real local factors.
- Liability coverage meeting or exceeding Minnesota's 30/60/10 minimum
- No-Fault Personal Injury Protection (PIP), mandatory under Minnesota law
- Comprehensive coverage for winter weather damage
- Collision coverage for Highway 36 and I-694 corridor traffic
- Uninsured/Underinsured Motorist (UM/UIM) coverage
- Coverage account for heavy 3M and Maplewood Mall-driven commuter traffic
Why Maplewood Drivers Choose The Allen Thomas Group
The Allen Thomas Group is an independent, family-owned agency founded in 2003, with an A+ BBB rating and access to 15+ A-rated carriers. We are licensed to serve Minnesota and help Maplewood drivers navigate MN’s minimum liability requirements, uninsured motorist exposure, and the local risk factors that shape Ramsey County auto rates. Because we are independent, we advocate for you and compare carriers rather than representing a single company.
We are headquartered in Ohio and are not located in Maplewood, so we serve drivers across Ramsey County by phone, email and online. That lets us bring statewide market knowledge and carrier relationships to your policy without the constraints of a single local office.
Frequently Asked Questions
How much does auto insurance cost in Maplewood?
One source cites roughly $121/month, but there's no verified full/minimum-coverage split at the city level; we recommend using the Minnesota statewide average of roughly $2,561/year for full coverage and getting a tailored quote.
Are you located in Maplewood?
No. The Allen Thomas Group is an independent, family-owned agency headquartered in Ohio and licensed to serve Minnesota, including Maplewood and Ramsey County. We work with local drivers remotely by phone, email and online.
What roads in Maplewood have notable crash history?
Highway 36 has seen a verified crash closure at Roselawn Avenue and a documented fatal rollover, making it the city's primary risk corridor.
What is Minnesota's minimum auto insurance requirement?
Minnesota requires minimum liability limits of 30/60/10 ($30,000 bodily injury per person, $60,000 per accident, $10,000 property damage), plus mandatory No-Fault Personal Injury Protection (PIP) of $40,000 and Uninsured/Underinsured Motorist coverage.
Does 3M affect Maplewood traffic?
Yes. 3M's global headquarters and Maplewood Mall drive heavy commuter and retail traffic onto Highway 36 and I-694 well beyond what the resident population alone would generate.
Is deer-vehicle collision risk high in Maplewood?
Likely lower than average — Ramsey County is Minnesota's most urbanized county, suggesting directionally lower exposure than rural counties, though no specific figure was confirmed.
Get Maplewood Auto Coverage Built Around Real Local Risk
Let the Allen Thomas Group compare 15+ A-rated carriers to match your Maplewood policy with the liability, comprehensive and uninsured motorist protection that fits. Call (440) 826-3676 to talk through your coverage with an independent advisor.