Cheap Quotes for Chesapeake Beach, MD Car Insurance (2021)

Chesapeake Beach, Maryland car insurance rates average $368 a month and Maryland law requires coverage of at least 30/60/15. By comparing rates from multiple Chesapeake Beach, MD companies, you can find cheap Chesapeake Beach car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Chesapeake Beach, MD for senior drivers are $2,883/year
  • The cheapest car insurance company in Chesapeake Beach is USAA
  • Chesapeake Beach has an average commute time of 41.7 minutes

How do the Chesapeake Beach, Maryland monthly average car insurance rates of $368/month compare to nearby cities like Gaithersburg car insurance rates, Baltimore car insurance rates, and Salisbury car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Chesapeake Beach, MD.

We’ll cover the Maryland minimum coverage requirements, Maryland car insurance laws, and Chesapeake Beach, MD statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Chesapeake Beach, Maryland companies to find the most affordable Chesapeake Beach car insurance rates.

Enter your ZIP code above to find cheap Chesapeake Beach, MD car insurance quotes today.

What are the minimum Chesapeake Beach, MD car insurance requirements?

To meet Maryland minimum car insurance coverage requirements, Chesapeake Beach, MD drivers need to carry at least 30/60/15 coverage.

Minimum Required Car Insurance Coverage in Chesapeake Beach, 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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How do age, gender, and marital status affect Chesapeake Beach, MD car insurance rates?

Three of the criteria that most affect car insurance rates in Chesapeake Beach, Maryland are age, gender, and marital status. Let’s take a look at how each of these stack up with top Chesapeake Beach car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Chesapeake Beach, 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 $3,677 $3,534 $3,510 $3,601 $10,832 $12,701 $3,326 $3,373
GEICO $2,316 $2,539 $2,631 $3,049 $7,010 $8,024 $1,980 $2,101
Liberty Mutual $6,609 $6,609 $6,533 $6,533 $12,920 $19,193 $6,609 $8,935
Nationwide $1,861 $1,871 $1,685 $1,736 $4,295 $5,645 $2,147 $2,314
Progressive $2,211 $2,002 $1,931 $1,969 $7,893 $8,651 $2,583 $2,545
State Farm $2,080 $2,080 $1,904 $1,904 $6,531 $8,387 $2,319 $2,626
USAA $1,816 $1,788 $1,688 $1,692 $3,985 $4,716 $2,105 $2,352

How much do teen drivers pay for car insurance in Chesapeake Beach, MD?

Chesapeake Beach, Maryland car insurance rates for teens are often higher than rates for other drivers. Compare Chesapeake Beach car insurance rates from multiple Chesapeake Beach, Maryland car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Chesapeake Beach, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,832 $12,701
GEICO $7,010 $8,024
Liberty Mutual $12,920 $19,193
Nationwide $4,295 $5,645
Progressive $7,893 $8,651
State Farm $6,531 $8,387
USAA $3,985 $4,716

How much do senior drivers pay for car insurance in Chesapeake Beach, MD?

With a little research, seniors can find affordable car insurance in Chesapeake Beach, Maryland. Here’s a look at how the top Chesapeake Beach car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Chesapeake Beach, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,510 $3,601
GEICO $2,631 $3,049
Liberty Mutual $6,533 $6,533
Nationwide $1,685 $1,736
Progressive $1,931 $1,969
State Farm $1,904 $1,904
USAA $1,688 $1,692

How does coverage level affect Chesapeake Beach, MD car insurance rates?

How much coverage do you need? Are you comfortable with the Maryland minimum of 30/60/15 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Chesapeake Beach, MD car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Chesapeake Beach, Maryland

Insurance Company Low Medium High
Allstate $5,436 $5,536 $5,736
GEICO $3,570 $3,682 $3,867
Liberty Mutual $8,961 $9,220 $9,547
Nationwide $2,582 $2,701 $2,800
Progressive $3,562 $3,727 $3,881
State Farm $3,302 $3,489 $3,645
USAA $2,397 $2,526 $2,631

How does your driving record affect Chesapeake Beach, MD car insurance rates?

Safe driving pays off. The more traffic violations you have in Chesapeake Beach, MD, the higher your car insurance rates will be. Compare rates based on driving infractions from top Chesapeake Beach, Maryland companies.

Annual Chesapeake Beach, Maryland Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,920 $6,561 $4,920 $5,876
GEICO $2,630 $4,085 $4,984 $3,127
Liberty Mutual $6,707 $8,792 $13,050 $8,422
Nationwide $2,373 $3,179 $2,537 $2,688
Progressive $3,184 $4,208 $3,848 $3,653
State Farm $3,124 $3,913 $3,439 $3,439
USAA $1,984 $2,421 $3,531 $2,135

How does a DUI affect Chesapeake Beach, MD car insurance rates?

With even one DUI on your record, you can see an increase in your Chesapeake Beach, MD car insurance rates.

Annual Car Insurance Rates After a DUI in Chesapeake Beach, Maryland

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,920
GEICO $4,984
Liberty Mutual $13,050
Nationwide $2,537
Progressive $3,848
State Farm $3,439
USAA $3,531

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How does your credit history affect Chesapeake Beach, MD car insurance rates?

Take a look at the data here to see how your Chesapeake Beach, Maryland car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Chesapeake Beach, Maryland

Insurance Company Poor Fair Good
Allstate $7,226 $5,032 $4,450
GEICO $4,201 $3,480 $3,438
Liberty Mutual $13,223 $8,510 $5,994
Nationwide $3,438 $2,438 $2,207
Progressive $4,684 $3,526 $2,960
State Farm $5,092 $3,019 $2,326
USAA $3,360 $2,300 $1,893

How does your commute affect Chesapeake Beach, MD car insurance rates?

Chesapeake Beach, MD car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Maryland can be seen here. Remember, though, that you may have to carry substantially more car insurance in Chesapeake Beach if you’re financing.

Annual Car Insurance Rates by Commute Length in Chesapeake Beach, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,490 $5,648
GEICO $3,641 $3,771
Liberty Mutual $8,993 $9,492
Nationwide $2,694 $2,694
Progressive $3,723 $3,723
State Farm $3,390 $3,567
USAA $2,440 $2,596

Who has the cheapest Chesapeake Beach, MD car insurance rates?

Here’s a breakdown of Chesapeake Beach, Maryland car insurance rates by company. You can see which company offers the cheapest Chesapeake Beach car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Chesapeake Beach, Maryland

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Nationwide
With 1 Speeding Violation USAA

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What are the top Chesapeake Beach, MD car insurance companies?

Which Chesapeake Beach, Maryland car insurance company will best fit your needs and budget? Check out this comparison of the top Chesapeake Beach companies to find the one for you.

Average Annual Car Insurance Rates by Company in Chesapeake Beach, Maryland

Insurance Company Average Annual Rates
Allstate $5,569
GEICO $3,706
Liberty Mutual $9,243
Nationwide $2,694
Progressive $3,723
State Farm $3,479
USAA $2,518

What factors affect Chesapeake Beach, MD car insurance rates?

Why are Chesapeake Beach, Maryland car insurance rates different than rates in Gaithersburg or Baltimore? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Chesapeake Beach, MD?

More time spent behind the wheel can lead to higher Chesapeake Beach, Maryland car insurance rates. In Chesapeake Beach, MD, the average commute length is 41.7 minutes.

Car Insurance Quotes for Chesapeake Beach, MD

Shop for affordable Chesapeake Beach, Maryland car insurance rates today. Enter your ZIP code to compare quotes from multiple Chesapeake Beach, MD car insurance companies.

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