Cheap Quotes for Essex, MD Car Insurance (2021)

Essex, Maryland car insurance rates average $489 a month and Maryland law requires coverage of at least 30/60/15. By comparing rates from multiple Essex, MD companies, you can find cheap Essex 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 Essex, MD are $489/month
  • Average car insurance rates in Essex, MD after a DUI are $6,850/year
  • Essex has an average commute time of 30.5 minutes

How do the Essex, Maryland monthly average car insurance rates of $489/month compare to nearby cities like College Park car insurance rates, Frederick car insurance rates, and Annapolis car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Essex, MD.

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

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

What are the minimum Essex, MD car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Essex, 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 $4,735 $4,527 $4,541 $4,664 $14,427 $17,024 $4,258 $4,288
GEICO $3,241 $3,556 $3,706 $4,305 $9,812 $11,073 $2,780 $2,889
Liberty Mutual $7,814 $7,814 $7,727 $7,727 $14,995 $22,135 $7,814 $10,461
Nationwide $2,551 $2,552 $2,299 $2,364 $6,129 $8,076 $2,971 $3,196
Progressive $3,271 $2,911 $2,828 $2,905 $11,906 $12,952 $3,784 $3,632
State Farm $3,227 $3,227 $2,983 $2,983 $9,792 $12,492 $3,614 $4,057
USAA $2,308 $2,261 $2,176 $2,158 $5,193 $6,090 $2,637 $2,937

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

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

Annual Car Insurance Rates for Teen Drivers in Essex, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,427 $17,024
GEICO $9,812 $11,073
Liberty Mutual $14,995 $22,135
Nationwide $6,129 $8,076
Progressive $11,906 $12,952
State Farm $9,792 $12,492
USAA $5,193 $6,090

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

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

Annual Car Insurance Rates for Senior Drivers in Essex, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,541 $4,664
GEICO $3,706 $4,305
Liberty Mutual $7,727 $7,727
Nationwide $2,299 $2,364
Progressive $2,828 $2,905
State Farm $2,983 $2,983
USAA $2,176 $2,158

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

Annual Car Insurance Rates by Coverage Level in Essex, Maryland

Insurance Company Low Medium High
Allstate $7,073 $7,245 $7,606
GEICO $4,967 $5,132 $5,412
Liberty Mutual $10,461 $10,782 $11,190
Nationwide $3,601 $3,781 $3,919
Progressive $5,227 $5,518 $5,826
State Farm $5,002 $5,314 $5,575
USAA $3,024 $3,232 $3,404

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

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

Annual Essex, Maryland Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,439 $8,648 $6,439 $7,706
GEICO $3,653 $5,723 $6,978 $4,327
Liberty Mutual $7,697 $10,189 $15,551 $9,808
Nationwide $3,302 $4,469 $3,541 $3,757
Progressive $4,694 $6,293 $5,685 $5,424
State Farm $4,737 $5,981 $5,235 $5,235
USAA $2,526 $3,114 $4,520 $2,720

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

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

Annual Car Insurance Rates After a DUI in Essex, Maryland

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,439
GEICO $6,978
Liberty Mutual $15,551
Nationwide $3,541
Progressive $5,685
State Farm $5,235
USAA $4,520

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

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

Annual Car Insurance Rates by Credit Score in Essex, Maryland

Insurance Company Poor Fair Good
Allstate $9,512 $6,595 $5,817
GEICO $5,865 $4,853 $4,793
Liberty Mutual $15,441 $9,960 $7,033
Nationwide $4,836 $3,399 $3,067
Progressive $6,959 $5,238 $4,375
State Farm $7,751 $4,596 $3,543
USAA $4,291 $2,949 $2,419

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

Essex, 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 Essex if you’re financing.

Annual Car Insurance Rates by Commute Length in Essex, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,202 $7,413
GEICO $5,084 $5,256
Liberty Mutual $10,527 $11,095
Nationwide $3,767 $3,767
Progressive $5,524 $5,524
State Farm $5,156 $5,438
USAA $3,119 $3,321

Who has the cheapest Essex, MD car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Essex, Maryland

Insurance Company Average Annual Rates
Allstate $7,308
GEICO $5,170
Liberty Mutual $10,811
Nationwide $3,767
Progressive $5,524
State Farm $5,297
USAA $3,220

What factors affect Essex, MD car insurance rates?

Why are Essex, Maryland car insurance rates different than rates in College Park or Frederick? 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 Essex, MD?

More time spent behind the wheel can lead to higher Essex, Maryland car insurance rates. In Essex, MD, the average commute length is 30.5 minutes.

Car Insurance Quotes for Essex, MD

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

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