Cheap Quotes for Funkstown, MD Car Insurance (2021)

Funkstown, Maryland car insurance rates average $309 a month and Maryland law requires coverage of at least 30/60/15. By comparing rates from multiple Funkstown, MD companies, you can find cheap Funkstown 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 Funkstown, MD for senior drivers are $2,434/year
  • The cheapest car insurance company in Funkstown is Nationwide
  • Funkstown has an average commute time of 20.6 minutes

How do the Funkstown, Maryland monthly average car insurance rates of $309/month compare to nearby cities like Baltimore car insurance rates, Rockville car insurance rates, and College Park car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Funkstown, MD.

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

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

What are the minimum Funkstown, MD car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Funkstown, 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 $2,779 $2,687 $2,629 $2,694 $7,650 $8,897 $2,543 $2,587
GEICO $1,975 $2,152 $2,240 $2,560 $5,896 $6,769 $1,683 $1,788
Liberty Mutual $5,582 $5,582 $5,517 $5,517 $10,892 $16,173 $5,582 $7,539
Nationwide $1,587 $1,594 $1,440 $1,482 $3,646 $4,766 $1,827 $1,966
Progressive $1,907 $1,731 $1,673 $1,704 $6,666 $7,286 $2,217 $2,179
State Farm $1,924 $1,924 $1,766 $1,766 $6,131 $7,852 $2,146 $2,435
USAA $1,654 $1,624 $1,543 $1,539 $3,650 $4,309 $1,902 $2,118

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

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

Annual Car Insurance Rates for Teen Drivers in Funkstown, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,650 $8,897
GEICO $5,896 $6,769
Liberty Mutual $10,892 $16,173
Nationwide $3,646 $4,766
Progressive $6,666 $7,286
State Farm $6,131 $7,852
USAA $3,650 $4,309

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

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

Annual Car Insurance Rates for Senior Drivers in Funkstown, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,629 $2,694
GEICO $2,240 $2,560
Liberty Mutual $5,517 $5,517
Nationwide $1,440 $1,482
Progressive $1,673 $1,704
State Farm $1,766 $1,766
USAA $1,543 $1,539

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

Annual Car Insurance Rates by Coverage Level in Funkstown, Maryland

Insurance Company Low Medium High
Allstate $3,982 $4,040 $4,153
GEICO $3,028 $3,115 $3,256
Liberty Mutual $7,588 $7,780 $8,026
Nationwide $2,202 $2,293 $2,370
Progressive $3,037 $3,173 $3,301
State Farm $3,078 $3,252 $3,398
USAA $2,178 $2,300 $2,400

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

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

Annual Funkstown, Maryland Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,607 $4,746 $3,607 $4,272
GEICO $2,228 $3,460 $4,191 $2,653
Liberty Mutual $5,645 $7,409 $11,036 $7,102
Nationwide $2,020 $2,693 $2,157 $2,283
Progressive $2,719 $3,574 $3,276 $3,113
State Farm $2,905 $3,655 $3,205 $3,205
USAA $1,806 $2,211 $3,209 $1,943

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

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

Annual Car Insurance Rates After a DUI in Funkstown, Maryland

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,607
GEICO $4,191
Liberty Mutual $11,036
Nationwide $2,157
Progressive $3,276
State Farm $3,205
USAA $3,209

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

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

Annual Car Insurance Rates by Credit Score in Funkstown, Maryland

Insurance Company Poor Fair Good
Allstate $5,239 $3,672 $3,263
GEICO $3,549 $2,943 $2,907
Liberty Mutual $11,157 $7,180 $5,057
Nationwide $2,911 $2,074 $1,880
Progressive $4,001 $2,997 $2,514
State Farm $4,745 $2,814 $2,169
USAA $3,051 $2,098 $1,729

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

Funkstown, 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 Funkstown if you’re financing.

Annual Car Insurance Rates by Commute Length in Funkstown, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,002 $4,114
GEICO $3,082 $3,184
Liberty Mutual $7,588 $8,008
Nationwide $2,288 $2,288
Progressive $3,170 $3,170
State Farm $3,162 $3,324
USAA $2,222 $2,363

Who has the cheapest Funkstown, MD car insurance rates?

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

Best Annual Car Insurance Rates by Company in Funkstown, Maryland

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

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What are the top Funkstown, MD car insurance companies?

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

Average Annual Car Insurance Rates by Company in Funkstown, Maryland

Insurance Company Average Annual Rates
Allstate $4,058
GEICO $3,133
Liberty Mutual $7,798
Nationwide $2,288
Progressive $3,170
State Farm $3,243
USAA $2,293

What factors affect Funkstown, MD car insurance rates?

Why are Funkstown, Maryland car insurance rates different than rates in Baltimore or Rockville? 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 Funkstown, MD?

More time spent behind the wheel can lead to higher Funkstown, Maryland car insurance rates. In Funkstown, MD, the average commute length is 20.6 minutes.

Car Insurance Quotes for Funkstown, MD

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