Cheap Quotes for Luke, MD Car Insurance (2021)

Luke, Maryland car insurance rates average $319 a month and Maryland law requires coverage of at least 30/60/15. By comparing rates from multiple Luke, MD companies, you can find cheap Luke 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 Luke, MD are $319/month
  • Luke has an average commute time of 31.8 minutes
  • Average car insurance rates in Luke, MD for senior drivers are $2,501/year

How do the Luke, Maryland monthly average car insurance rates of $319/month compare to nearby cities like Annapolis car insurance rates, Greenbelt car insurance rates, and Frederick car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Luke, MD.

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

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

What are the minimum Luke, MD car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Luke, 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 $2,145 $2,333 $2,403 $2,727 $6,333 $7,342 $1,817 $1,959
Liberty Mutual $5,709 $5,709 $5,642 $5,642 $11,216 $16,691 $5,709 $7,739
Nationwide $1,719 $1,729 $1,559 $1,606 $3,946 $5,163 $1,979 $2,131
Progressive $2,048 $1,862 $1,789 $1,822 $7,099 $7,777 $2,388 $2,359
State Farm $1,939 $1,939 $1,775 $1,775 $6,131 $7,855 $2,160 $2,456
USAA $1,585 $1,557 $1,475 $1,472 $3,493 $4,133 $1,826 $2,033

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

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

Annual Car Insurance Rates for Teen Drivers in Luke, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,650 $8,897
GEICO $6,333 $7,342
Liberty Mutual $11,216 $16,691
Nationwide $3,946 $5,163
Progressive $7,099 $7,777
State Farm $6,131 $7,855
USAA $3,493 $4,133

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

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

Annual Car Insurance Rates for Senior Drivers in Luke, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,629 $2,694
GEICO $2,403 $2,727
Liberty Mutual $5,642 $5,642
Nationwide $1,559 $1,606
Progressive $1,789 $1,822
State Farm $1,775 $1,775
USAA $1,475 $1,472

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

Annual Car Insurance Rates by Coverage Level in Luke, Maryland

Insurance Company Low Medium High
Allstate $3,982 $4,040 $4,153
GEICO $3,284 $3,365 $3,498
Liberty Mutual $7,802 $7,991 $8,229
Nationwide $2,385 $2,483 $2,569
Progressive $3,261 $3,394 $3,524
State Farm $3,095 $3,262 $3,403
USAA $2,094 $2,203 $2,293

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

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

Annual Luke, 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 $2,413 $3,738 $4,494 $2,885
Liberty Mutual $5,849 $7,640 $11,231 $7,308
Nationwide $2,188 $2,918 $2,337 $2,473
Progressive $2,905 $3,813 $3,523 $3,331
State Farm $2,919 $3,663 $3,216 $3,216
USAA $1,732 $2,118 $3,075 $1,863

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

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

Annual Car Insurance Rates After a DUI in Luke, Maryland

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,607
GEICO $4,494
Liberty Mutual $11,231
Nationwide $2,337
Progressive $3,523
State Farm $3,216
USAA $3,075

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

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

Annual Car Insurance Rates by Credit Score in Luke, Maryland

Insurance Company Poor Fair Good
Allstate $5,239 $3,672 $3,263
GEICO $3,833 $3,177 $3,138
Liberty Mutual $11,457 $7,372 $5,192
Nationwide $3,163 $2,244 $2,030
Progressive $4,284 $3,204 $2,690
State Farm $4,761 $2,823 $2,176
USAA $2,923 $2,010 $1,657

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

Luke, 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 Luke if you’re financing.

Annual Car Insurance Rates by Commute Length in Luke, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,002 $4,114
GEICO $3,324 $3,440
Liberty Mutual $7,789 $8,225
Nationwide $2,479 $2,479
Progressive $3,393 $3,393
State Farm $3,172 $3,335
USAA $2,130 $2,264

Who has the cheapest Luke, MD car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Luke, Maryland

Insurance Company Average Annual Rates
Allstate $4,058
GEICO $3,382
Liberty Mutual $8,007
Nationwide $2,479
Progressive $3,393
State Farm $3,254
USAA $2,197

What factors affect Luke, MD car insurance rates?

Why are Luke, Maryland car insurance rates different than rates in Annapolis or Greenbelt? 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 Luke, MD?

More time spent behind the wheel can lead to higher Luke, Maryland car insurance rates. In Luke, MD, the average commute length is 31.8 minutes.

Car Insurance Quotes for Luke, MD

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