Cheap Quotes for Manchester, MD Car Insurance (2021)

Manchester, Maryland car insurance rates average $386 a month and Maryland law requires coverage of at least 30/60/15. By comparing rates from multiple Manchester, MD companies, you can find cheap Manchester 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 Manchester, MD for senior drivers are $3,009/year
  • Manchester has an average commute time of 35.3 minutes
  • Average car insurance rates in Manchester, MD after a DUI are $5,457/year

How do the Manchester, Maryland monthly average car insurance rates of $386/month compare to nearby cities like Frederick car insurance rates, Laurel car insurance rates, and Rockville car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Manchester, MD.

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

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

What are the minimum Manchester, MD car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Manchester, 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 $3,418 $3,287 $3,257 $3,341 $9,921 $11,615 $3,093 $3,139
GEICO $2,412 $2,639 $2,746 $3,168 $7,352 $8,413 $2,063 $2,182
Liberty Mutual $6,683 $6,683 $6,607 $6,607 $12,932 $19,146 $6,683 $8,986
Nationwide $2,254 $2,262 $2,033 $2,093 $5,418 $7,150 $2,626 $2,834
Progressive $2,353 $2,124 $2,053 $2,095 $8,405 $9,193 $2,744 $2,688
State Farm $2,352 $2,352 $2,155 $2,155 $7,404 $9,479 $2,619 $2,972
USAA $2,056 $2,017 $1,911 $1,906 $4,580 $5,422 $2,368 $2,639

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

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

Annual Car Insurance Rates for Teen Drivers in Manchester, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,921 $11,615
GEICO $7,352 $8,413
Liberty Mutual $12,932 $19,146
Nationwide $5,418 $7,150
Progressive $8,405 $9,193
State Farm $7,404 $9,479
USAA $4,580 $5,422

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

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

Annual Car Insurance Rates for Senior Drivers in Manchester, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,257 $3,341
GEICO $2,746 $3,168
Liberty Mutual $6,607 $6,607
Nationwide $2,033 $2,093
Progressive $2,053 $2,095
State Farm $2,155 $2,155
USAA $1,911 $1,906

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

Annual Car Insurance Rates by Coverage Level in Manchester, Maryland

Insurance Company Low Medium High
Allstate $5,016 $5,104 $5,282
GEICO $3,739 $3,850 $4,026
Liberty Mutual $8,999 $9,267 $9,608
Nationwide $3,195 $3,346 $3,460
Progressive $3,783 $3,960 $4,127
State Farm $3,738 $3,945 $4,125
USAA $2,726 $2,871 $2,990

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

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

Annual Manchester, Maryland Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,543 $6,037 $4,543 $5,412
GEICO $2,740 $4,276 $5,219 $3,253
Liberty Mutual $6,643 $8,779 $13,305 $8,437
Nationwide $2,925 $3,951 $3,134 $3,325
Progressive $3,379 $4,474 $4,091 $3,883
State Farm $3,532 $4,430 $3,891 $3,891
USAA $2,249 $2,760 $4,019 $2,421

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

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

Annual Car Insurance Rates After a DUI in Manchester, Maryland

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,543
GEICO $5,219
Liberty Mutual $13,305
Nationwide $3,134
Progressive $4,091
State Farm $3,891
USAA $4,019

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

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

Annual Car Insurance Rates by Credit Score in Manchester, Maryland

Insurance Company Poor Fair Good
Allstate $6,651 $4,641 $4,110
GEICO $4,389 $3,635 $3,591
Liberty Mutual $13,293 $8,555 $6,025
Nationwide $4,275 $3,010 $2,716
Progressive $4,981 $3,746 $3,143
State Farm $5,753 $3,417 $2,638
USAA $3,817 $2,617 $2,153

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

Manchester, 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 Manchester if you’re financing.

Annual Car Insurance Rates by Commute Length in Manchester, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,061 $5,206
GEICO $3,808 $3,935
Liberty Mutual $9,044 $9,538
Nationwide $3,334 $3,334
Progressive $3,957 $3,957
State Farm $3,838 $4,034
USAA $2,774 $2,950

Who has the cheapest Manchester, MD car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Manchester, Maryland

Insurance Company Average Annual Rates
Allstate $5,134
GEICO $3,872
Liberty Mutual $9,291
Nationwide $3,334
Progressive $3,957
State Farm $3,936
USAA $2,862

What factors affect Manchester, MD car insurance rates?

Why are Manchester, Maryland car insurance rates different than rates in Frederick or Laurel? 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 Manchester, MD?

More time spent behind the wheel can lead to higher Manchester, Maryland car insurance rates. In Manchester, MD, the average commute length is 35.3 minutes.

What is the traffic like in Manchester, MD

Like commute length, time spent in traffic also increase risk of accidents. Manchester, MD is listed as 184th in INRIX congested cities data.

Car Insurance Quotes for Manchester, MD

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

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