Cheap Quotes for Laurel, MD Car Insurance (2021)

Laurel, Maryland car insurance rates average $431 a month and Maryland law requires coverage of at least 30/60/15. By comparing rates from multiple Laurel, MD companies, you can find cheap Laurel 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 Laurel, MD for senior drivers are $3,376/year
  • Average car insurance rates in Laurel, MD are $431/month
  • Average car insurance rates in Laurel, MD after a DUI are $6,097/year

How do the Laurel, Maryland monthly average car insurance rates of $431/month compare to nearby cities like Baltimore car insurance rates, Rockville 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 Laurel, MD.

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

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

What are the minimum Laurel, MD car insurance requirements?

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

Minimum Required Car Insurance Coverage in Laurel, 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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Average Laurel, MD Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Laurel, MD you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Laurel, Maryland

ZIP Code Average Annual Rates
20708 $4,523
20723 $4,277

How do age, gender, and marital status affect Laurel, MD car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Laurel, 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 $3,954 $3,780 $3,792 $3,892 $11,894 $14,007 $3,541 $3,575
GEICO $2,669 $2,924 $3,039 $3,520 $8,049 $9,145 $2,285 $2,398
Liberty Mutual $7,861 $7,861 $7,771 $7,771 $15,242 $22,580 $7,861 $10,581
Nationwide $2,153 $2,161 $1,946 $2,004 $5,037 $6,627 $2,492 $2,684
Progressive $2,662 $2,390 $2,313 $2,367 $9,563 $10,437 $3,093 $3,006
State Farm $2,626 $2,626 $2,421 $2,421 $8,134 $10,399 $2,937 $3,305
USAA $2,148 $2,109 $2,010 $2,002 $4,782 $5,637 $2,470 $2,754

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

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

Annual Car Insurance Rates for Teen Drivers in Laurel, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,894 $14,007
GEICO $8,049 $9,145
Liberty Mutual $15,242 $22,580
Nationwide $5,037 $6,627
Progressive $9,563 $10,437
State Farm $8,134 $10,399
USAA $4,782 $5,637

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

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

Annual Car Insurance Rates for Senior Drivers in Laurel, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,792 $3,892
GEICO $3,039 $3,520
Liberty Mutual $7,771 $7,771
Nationwide $1,946 $2,004
Progressive $2,313 $2,367
State Farm $2,421 $2,421
USAA $2,010 $2,002

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

Annual Car Insurance Rates by Coverage Level in Laurel, Maryland

Insurance Company Low Medium High
Allstate $5,879 $6,008 $6,277
GEICO $4,095 $4,225 $4,442
Liberty Mutual $10,618 $10,914 $11,291
Nationwide $3,006 $3,148 $3,259
Progressive $4,264 $4,478 $4,695
State Farm $4,121 $4,372 $4,583
USAA $2,828 $2,999 $3,140

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

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

Annual Laurel, Maryland Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,345 $7,149 $5,345 $6,379
GEICO $3,014 $4,699 $5,722 $3,580
Liberty Mutual $7,897 $10,376 $15,533 $9,957
Nationwide $2,760 $3,709 $2,953 $3,130
Progressive $3,817 $5,079 $4,622 $4,397
State Farm $3,902 $4,917 $4,308 $4,308
USAA $2,348 $2,884 $4,195 $2,529

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

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

Annual Car Insurance Rates After a DUI in Laurel, Maryland

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,345
GEICO $5,722
Liberty Mutual $15,533
Nationwide $2,953
Progressive $4,622
State Farm $4,308
USAA $4,195

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

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

Annual Car Insurance Rates by Credit Score in Laurel, Maryland

Insurance Company Poor Fair Good
Allstate $7,855 $5,473 $4,836
GEICO $4,823 $3,994 $3,945
Liberty Mutual $15,631 $10,078 $7,113
Nationwide $4,016 $2,836 $2,562
Progressive $5,642 $4,242 $3,552
State Farm $6,378 $3,782 $2,915
USAA $3,987 $2,734 $2,247

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

Laurel, 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 Laurel if you’re financing.

Annual Car Insurance Rates by Commute Length in Laurel, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,968 $6,141
GEICO $4,181 $4,326
Liberty Mutual $10,649 $11,233
Nationwide $3,138 $3,138
Progressive $4,479 $4,479
State Farm $4,245 $4,472
USAA $2,896 $3,082

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Who has the cheapest Laurel, MD car insurance rates?

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

Best Annual Car Insurance Rates by Company in Laurel, Maryland

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

What are the top Laurel, MD car insurance companies?

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

Average Annual Car Insurance Rates by Company in Laurel, Maryland

Insurance Company Average Annual Rates
Allstate $6,055
GEICO $4,254
Liberty Mutual $10,941
Nationwide $3,138
Progressive $4,479
State Farm $4,359
USAA $2,989

What factors affect Laurel, MD car insurance rates?

Why are Laurel, 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.

What is the car theft rate in Laurel, MD?

FBI statistics show that the Laurel, Maryland car theft rate is 78 thefts each year. High theft rates can lead to higher than average Laurel, MD car insurance rates.

How long is the average commute in Laurel, MD?

More time spent behind the wheel can lead to higher Laurel, Maryland car insurance rates. In Laurel, MD, the average commute length is 35.9 minutes.

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Car Insurance Quotes for Laurel, MD

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

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