Buy Cheap Westminster, MD Auto Insurance in 2024
Westminster, MD auto insurance rates average $359 a month. Minimum auto insurance requirements in Westminster, Maryland are 30/60/15 to comply with Maryland laws. To buy cheap auto insurance in Westminster, MD, compare Westminster auto insurance quotes from top companies.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Aug 26, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page 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: Aug 26, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Westminster, MD are $359/month
- Average auto insurance rates in Westminster, MD for teens drivers are $7,523/year
- The most expensive auto insurance company in Westminster is Liberty Mutual
Finding affordable Westminster, Maryland auto insurance can be challenging, but everything you need to know to buy cheap Westminster, MD auto insurance with confidence is right here. Auto insurance rates in Westminster are affected by local factors as well as personal ones like your driving record.
See how Westminster, MD car insurance rates compare to College Park auto insurance rates, Bowie auto insurance rates, and Laurel auto insurance rates before you read more about the cost of auto insurance in Westminster.
Don’t buy Westminster, MD auto insurance until you’ve compared rates. Get free Westminster, Maryland auto insurance quotes when you enter your ZIP code above.
Westminster, MD Minimum Auto Insurance Requirements
The required auto insurance in Westminster, MD is 30/60/15 according to the auto insurance laws in Maryland. The minimum auto insurance in Westminster, Maryland is outlined here.
Minimum Required Auto Insurance Coverage in Westminster, Maryland
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $15,000 minimum |
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Find Cheap Westminster, MD Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Westminster, MD. Take a look at Westminster, Maryland auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Westminster, Maryland
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,624 | $4,622 | $4,092 |
| Geico | $4,389 | $3,635 | $3,591 |
| Liberty Mutual | $11,979 | $7,707 | $5,426 |
| Nationwide | $3,211 | $2,284 | $2,068 |
| Progressive | $4,895 | $3,683 | $3,090 |
| State Farm | $5,701 | $3,378 | $2,603 |
| USAA | $3,347 | $2,303 | $1,900 |
Buy Cheap Westminster, MD Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Westminster, Maryland auto insurance rates? Find out how car insurance rates in Westminster, MD are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Westminster, Maryland
| 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 | $3,397 | $3,266 | $3,236 | $3,320 | $9,899 | $11,594 | $3,071 | $3,118 |
| Geico | $2,412 | $2,639 | $2,746 | $3,168 | $7,352 | $8,413 | $2,063 | $2,182 |
| Liberty Mutual | $5,998 | $5,998 | $5,929 | $5,929 | $11,683 | $17,335 | $5,998 | $8,093 |
| Nationwide | $1,734 | $1,740 | $1,571 | $1,616 | $4,044 | $5,301 | $2,004 | $2,158 |
| Progressive | $2,309 | $2,082 | $2,015 | $2,058 | $8,275 | $9,048 | $2,691 | $2,634 |
| State Farm | $2,300 | $2,300 | $2,117 | $2,117 | $7,373 | $9,462 | $2,572 | $2,909 |
| USAA | $1,807 | $1,772 | $1,692 | $1,682 | $4,039 | $4,760 | $2,072 | $2,307 |
Buy Cheap Westminster, MD Auto Insurance for Teen Drivers
Auto insurance for teenagers in Westminster can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Westminster, MD are listed here.
Annual Auto Insurance Rates for Teen Drivers in Westminster, Maryland
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,899 | $11,594 |
| Geico | $7,352 | $8,413 |
| Liberty Mutual | $11,683 | $17,335 |
| Nationwide | $4,044 | $5,301 |
| Progressive | $8,275 | $9,048 |
| State Farm | $7,373 | $9,462 |
| USAA | $4,039 | $4,760 |
Buy Cheap Westminster, MD Auto Insurance for Seniors
You can save on senior auto insurance rates in Westminster, Maryland by comparing Westminster senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Westminster, MD here.
Annual Auto Insurance Rates for Senior Drivers in Westminster, Maryland
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,236 | $3,320 |
| Geico | $2,746 | $3,168 |
| Liberty Mutual | $5,929 | $5,929 |
| Nationwide | $1,571 | $1,616 |
| Progressive | $2,015 | $2,058 |
| State Farm | $2,117 | $2,117 |
| USAA | $1,692 | $1,682 |
Find Cheap Auto Insurance Rates in Westminster, MD by Coverage Level
The amount of coverage you choose is a big factor in the cost of Westminster, Maryland auto insurance. Compare Westminster, MD auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Westminster, Maryland
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,002 | $5,086 | $5,249 |
| Geico | $3,739 | $3,850 | $4,026 |
| Liberty Mutual | $8,133 | $8,350 | $8,628 |
| Nationwide | $2,418 | $2,528 | $2,617 |
| Progressive | $3,716 | $3,891 | $4,060 |
| State Farm | $3,686 | $3,906 | $4,089 |
| USAA | $2,390 | $2,525 | $2,634 |
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Find Cheap Westminster, MD Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Westminster. Compare auto insurance rates in Westminster, MD by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Westminster, Maryland
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,040 | $5,185 |
| Geico | $3,808 | $3,935 |
| Liberty Mutual | $8,146 | $8,595 |
| Nationwide | $2,521 | $2,521 |
| Progressive | $3,889 | $3,889 |
| State Farm | $3,795 | $3,993 |
| USAA | $2,440 | $2,593 |
Find Cheap Westminster, MD Auto Insurance Rates by ZIP Code
Auto insurance rates in Westminster, Maryland can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Westminster, MD to see how much where you live in Westminster affects the cost of car insurance.
Annual Auto Insurance Rates by ZIP Code in Westminster, Maryland
| ZIP Code | Average Annual Rates |
|---|---|
| 21157 | $3,736 |
| 21158 | $3,621 |
Find Cheap Westminster, MD Auto Insurance Rates by Driving Record
Auto insurance rates in Westminster, Maryland are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Westminster, MD, take a look at the average cost for various violations versus rates for a clean driving record in Westminster.
Annual Westminster, Maryland Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,522 | $6,016 | $4,522 | $5,390 |
| Geico | $2,740 | $4,276 | $5,219 | $3,253 |
| Liberty Mutual | $6,035 | $7,940 | $11,892 | $7,615 |
| Nationwide | $2,222 | $2,972 | $2,375 | $2,515 |
| Progressive | $3,321 | $4,399 | $4,020 | $3,816 |
| State Farm | $3,487 | $4,391 | $3,848 | $3,848 |
| USAA | $1,979 | $2,431 | $3,526 | $2,129 |
Find Cheap Westminster, MD Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Westminster, Maryland is higher than for a clean driving record. You can buy auto insurance after a DUI in Westminster for less when you shop around and compare rates from multiple Westminster, MD auto insurance companies.
Annual Auto Insurance Rates After a DUI in Westminster, Maryland
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,522 |
| Geico | $5,219 |
| Liberty Mutual | $11,892 |
| Nationwide | $2,375 |
| Progressive | $4,020 |
| State Farm | $3,848 |
| USAA | $3,526 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Westminster, MD
Compare rates from the cheapest auto insurance companies in Westminster, MD for your needs. Take a look at how Westminster, Maryland auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Westminster, Maryland
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Nationwide |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Nationwide |
| With 1 Speeding Violation | USAA |
Find Cheap Westminster, Maryland Auto Insurance Companies
If you’re looking for the cheapest Westminster, MD auto insurance companies overall, you can compare them here. Find the best price for Westminster, Maryland car insurance by company.
Average Annual Auto Insurance Rates by Company in Westminster, Maryland
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,113 |
| Geico | $3,872 |
| Liberty Mutual | $8,371 |
| Nationwide | $2,521 |
| Progressive | $3,889 |
| State Farm | $3,894 |
| USAA | $2,516 |
What affects Westminster, Maryland auto insurance rates?
Local factors affect auto insurance rates in Westminster, MD, including traffic, theft statistics, and commute length. Take a look at the things that impact Westminster auto insurance rates.
Auto Theft in Westminster
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Westminster, MD auto theft show a total of 23 vehicle thefts annually.
Commute Times in Westminster
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Westminster, MD is 31.2 minutes according to City-Data.
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Compare Auto Insurance Quotes in Westminster, MD
You can buy cheap Westminster, MD auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Westminster, Maryland auto insurance quotes from top companies.
Frequently Asked Questions
How can I find cheap auto insurance in Westminster, MD?
To find cheap auto insurance in Westminster, MD, you can follow these steps:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options specific to your location in Westminster, MD.
- Utilize online comparison tools: Use online comparison tools that allow you to enter your information once and receive multiple quotes from different insurance companies. This can help you save time and find competitive rates.
- Consider local insurers: Research local insurance companies that operate in Westminster, MD. They may offer competitive rates or specialized coverage tailored to the area.
- Maintain a good driving record: A clean driving record with no accidents or traffic violations can help you qualify for lower insurance premiums.
- Opt for higher deductibles: Increasing your deductible—the amount you pay out of pocket before insurance coverage kicks in—can lower your premiums. Make sure the deductible amount is affordable for you in case of an accident.
- Look for discounts: Inquire about discounts offered by insurance companies, such as safe driver discounts, multi-policy discounts, or discounts for certain safety features in your vehicle.
What factors affect the cost of auto insurance in Westminster, MD?
Several factors can influence the cost of auto insurance in Westminster, MD. Some of the key factors include:
- Location: The location where you live and park your vehicle in Westminster, MD can impact insurance rates. Areas with higher crime rates or traffic congestion may have higher premiums.
- Driving record: Your driving history, including accidents, traffic violations, and claims, can affect your insurance premiums. Maintaining a clean driving record can help keep your rates lower.
- Vehicle type: The make, model, and year of your vehicle can impact insurance rates. Some vehicles may be more expensive to repair or more likely to be targeted by thieves, resulting in higher premiums.
- Coverage and deductibles: The type and amount of coverage you choose, as well as the deductible you select, can affect your insurance costs. Comprehensive coverage and lower deductibles tend to result in higher premiums.
Are there any discounts available for auto insurance in Westminster, MD?
While discounts may vary by insurance provider, there are some common discounts that may be available for auto insurance in Westminster, MD, including:
- Safe driver discount: Maintaining a clean driving record without accidents or traffic violations may qualify you for a safe driver discount.
- Multi-policy discount: If you bundle your auto insurance with other policies, such as homeowners or renters insurance, you may be eligible for a discount.
- Good student discount: If you are a student with good grades, you may qualify for a good student discount from insurance providers.
- Vehicle safety features discount: Certain safety features in your vehicle, such as anti-lock brakes, airbags, and anti-theft systems, may qualify for discounts.
Can I get cheap auto insurance in Westminster, MD if I have a low income?
If you have a low income, there are potential options to obtain affordable auto insurance in Westminster, MD. Consider the following:
- State assistance programs: Check if your state offers any assistance programs or low-income auto insurance options. These programs may provide affordable coverage tailored to individuals with low incomes.
- Non-profit organizations: Some non-profit organizations may offer discounted or subsidized auto insurance options for low-income individuals. Research local resources and organizations that focus on providing affordable insurance solutions.
- Government programs: Explore government programs that provide financial assistance or subsidies for auto insurance. These programs vary by location, so check with local government agencies for available options.
- Insurance discounts and payment plans: Inquire with insurance providers about discounts and flexible payment plans. Some insurers may offer discounts specifically designed for low-income individuals or provide payment options to make premiums more manageable.
How can I lower my auto insurance premiums in Westminster, MD?
To lower your auto insurance premiums in Westminster, MD, you can consider the following strategies:
- Maintain a good driving record: Avoid accidents and traffic violations to keep your driving record clean. Insurance companies typically offer lower premiums to drivers with a history of safe driving.
- Increase your deductible: Opting for a higher deductible means you’ll pay more out of pocket in the event of a claim, but it can lower your premium costs.
- Bundle policies: If you have other insurance policies, such as home or renters insurance, consider bundling them with your auto insurance. Many insurers offer discounts for multi-policy holders.
- Inquire about discounts: Ask your insurance provider about available discounts. This may include safe driver discounts, good student discounts (if applicable), or discounts for certain safety features in your vehicle.
- Shop around: Compare quotes from multiple insurance providers to find the best rates and coverage options for your needs. Different insurers may offer varying premiums, so it’s important to do your research.
Compare Quotes From Top Companies and Save
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
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.