Cheap Quotes for Elkridge, MD Car Insurance (2021)

Elkridge, Maryland car insurance rates average $404 a month and Maryland law requires coverage of at least 30/60/15. By comparing rates from multiple Elkridge, MD companies, you can find cheap Elkridge 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

  • Elkridge has an average commute time of 29.4 minutes
  • Average car insurance rates in Elkridge, MD after a DUI are $5,672/year
  • The cheapest car insurance company in Elkridge is USAA

How do the Elkridge, Maryland monthly average car insurance rates of $404/month compare to nearby cities like Laurel car insurance rates, Annapolis car insurance rates, and Greenbelt car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Elkridge, MD.

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

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

What are the minimum Elkridge, MD car insurance requirements?

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

Minimum Required Car Insurance Coverage in Elkridge, 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 Elkridge, MD car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Elkridge, 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 $3,994 $3,823 $3,825 $3,926 $11,875 $13,975 $3,588 $3,621
GEICO $2,660 $2,915 $3,041 $3,523 $8,062 $9,149 $2,278 $2,384
Liberty Mutual $6,594 $6,594 $6,519 $6,519 $12,768 $18,907 $6,594 $8,869
Nationwide $2,126 $2,130 $1,923 $1,976 $5,045 $6,626 $2,468 $2,655
Progressive $2,631 $2,357 $2,290 $2,345 $9,614 $10,492 $3,061 $2,971
State Farm $2,377 $2,377 $2,194 $2,194 $7,642 $9,800 $2,662 $3,001
USAA $2,050 $2,011 $1,917 $1,908 $4,565 $5,383 $2,354 $2,622

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

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

Annual Car Insurance Rates for Teen Drivers in Elkridge, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,875 $13,975
GEICO $8,062 $9,149
Liberty Mutual $12,768 $18,907
Nationwide $5,045 $6,626
Progressive $9,614 $10,492
State Farm $7,642 $9,800
USAA $4,565 $5,383

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

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

Annual Car Insurance Rates for Senior Drivers in Elkridge, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,825 $3,926
GEICO $3,041 $3,523
Liberty Mutual $6,519 $6,519
Nationwide $1,923 $1,976
Progressive $2,290 $2,345
State Farm $2,194 $2,194
USAA $1,917 $1,908

How does coverage level affect Elkridge, 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 Elkridge, MD car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Elkridge, Maryland

Insurance Company Low Medium High
Allstate $5,892 $6,027 $6,317
GEICO $4,088 $4,223 $4,443
Liberty Mutual $8,891 $9,147 $9,473
Nationwide $2,985 $3,128 $3,243
Progressive $4,250 $4,472 $4,689
State Farm $3,809 $4,045 $4,239
USAA $2,701 $2,861 $2,992

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

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

Annual Elkridge, Maryland Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,373 $7,169 $5,373 $6,400
GEICO $3,007 $4,699 $5,734 $3,566
Liberty Mutual $6,588 $8,680 $13,076 $8,337
Nationwide $2,743 $3,685 $2,936 $3,111
Progressive $3,809 $5,080 $4,606 $4,386
State Farm $3,606 $4,550 $3,984 $3,984
USAA $2,241 $2,753 $3,999 $2,413

How does a DUI affect Elkridge, MD car insurance rates?

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

Annual Car Insurance Rates After a DUI in Elkridge, Maryland

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,373
GEICO $5,734
Liberty Mutual $13,076
Nationwide $2,936
Progressive $4,606
State Farm $3,984
USAA $3,999

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

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

Annual Car Insurance Rates by Credit Score in Elkridge, Maryland

Insurance Company Poor Fair Good
Allstate $7,887 $5,493 $4,855
GEICO $4,820 $3,991 $3,943
Liberty Mutual $13,109 $8,446 $5,956
Nationwide $3,991 $2,819 $2,547
Progressive $5,619 $4,240 $3,552
State Farm $5,902 $3,497 $2,694
USAA $3,800 $2,609 $2,146

How does your commute affect Elkridge, MD car insurance rates?

Elkridge, 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 Elkridge if you’re financing.

Annual Car Insurance Rates by Commute Length in Elkridge, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,992 $6,165
GEICO $4,181 $4,322
Liberty Mutual $8,926 $9,415
Nationwide $3,119 $3,119
Progressive $4,470 $4,470
State Farm $3,927 $4,134
USAA $2,763 $2,940

Who has the cheapest Elkridge, MD car insurance rates?

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

Best Annual Car Insurance Rates by Company in Elkridge, 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 Elkridge, MD car insurance companies?

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

Average Annual Car Insurance Rates by Company in Elkridge, Maryland

Insurance Company Average Annual Rates
Allstate $6,079
GEICO $4,251
Liberty Mutual $9,170
Nationwide $3,119
Progressive $4,470
State Farm $4,031
USAA $2,851

What factors affect Elkridge, MD car insurance rates?

Why are Elkridge, Maryland car insurance rates different than rates in Laurel or Annapolis? 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 Elkridge, MD?

More time spent behind the wheel can lead to higher Elkridge, Maryland car insurance rates. In Elkridge, MD, the average commute length is 29.4 minutes.

Car Insurance Quotes for Elkridge, MD

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