Best Annapolis, MD Car Insurance in 2024
Car insurance in Annapolis, MD averages $364 a month. Annapolis, Maryland car insurance requirements are 30/60/15, but you might need full coverage insurance if your car is financed. To find cheap Annapolis car insurance rates, compare quotes from the top car insurance companies in Annapolis, MD.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Annapolis for teen drivers is USAA
- Average car insurance rates in Annapolis, MD after a DUI are $5,101/year
- Average car insurance rates in Annapolis, MD are $4,373/year
If you need to buy Annapolis, Maryland car insurance, the options can be confusing. Everything you need to know about car insurance in Annapolis, MD is right here.
You’ll find Annapolis car insurance rates, the cheapest Annapolis, MD car insurance companies, and information on Maryland car insurance laws. You can also compare Annapolis, Maryland car insurance rates to Baltimore car insurance rates, College Park car insurance rates, and Frederick car insurance rates.
Ready to find affordable Annapolis, MD car insurance today? Enter your ZIP code for fast, free Annapolis car insurance quotes.
Cheapest Annapolis, MD Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Annapolis, MD car insurance rates? Every Annapolis, Maryland car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $3,698 | $3,548 | $3,546 | $3,636 | $11,076 | $13,000 | $3,327 | $3,379 |
| Geico | $2,299 | $2,521 | $2,628 | $3,045 | $7,051 | $8,053 | $1,971 | $2,079 |
| Liberty Mutual | $5,953 | $5,953 | $5,885 | $5,885 | $11,550 | $17,115 | $5,953 | $8,016 |
| Nationwide | $1,907 | $1,912 | $1,730 | $1,777 | $4,485 | $5,867 | $2,209 | $2,375 |
| Progressive | $2,136 | $1,927 | $1,868 | $1,907 | $7,625 | $8,330 | $2,484 | $2,430 |
| State Farm | $2,351 | $2,351 | $2,167 | $2,167 | $7,498 | $9,602 | $2,626 | $2,968 |
| USAA | $1,889 | $1,854 | $1,767 | $1,760 | $4,204 | $4,955 | $2,171 | $2,419 |
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Minimum Car Insurance in Annapolis, MD
Every driver must carry the minimum car insurance in Annapolis, MD. Take a look at the Maryland car insurance requirements.
| 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 |
Cheapest Annapolis, MD Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Annapolis, MD. Compare credit history car insurance rates in Annapolis from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,328 | $5,109 | $4,517 |
| Geico | $4,200 | $3,480 | $3,438 |
| Liberty Mutual | $11,848 | $7,635 | $5,385 |
| Nationwide | $3,549 | $2,519 | $2,280 |
| Progressive | $4,519 | $3,397 | $2,849 |
| State Farm | $5,797 | $3,444 | $2,658 |
| USAA | $3,498 | $2,404 | $1,980 |
Cheapest Annapolis, MD Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Annapolis, MD to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,986 | $6,664 | $4,986 | $5,968 |
| Geico | $2,620 | $4,091 | $5,011 | $3,102 |
| Liberty Mutual | $5,975 | $7,859 | $11,781 | $7,541 |
| Nationwide | $2,453 | $3,280 | $2,622 | $2,776 |
| Progressive | $3,069 | $4,058 | $3,705 | $3,522 |
| State Farm | $3,552 | $4,472 | $3,920 | $3,920 |
| USAA | $2,067 | $2,536 | $3,683 | $2,224 |
Cheapest Annapolis, MD Car Insurance for Teen Drivers
Teen car insurance in Annapolis, MD can be expensive. Take a look at rates from the top car insurance companies in Annapolis for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,076 | $13,000 |
| Geico | $7,051 | $8,053 |
| Liberty Mutual | $11,550 | $17,115 |
| Nationwide | $4,485 | $5,867 |
| Progressive | $7,625 | $8,330 |
| State Farm | $7,498 | $9,602 |
| USAA | $4,204 | $4,955 |
Cheapest Annapolis, MD Car Insurance for Seniors
Take a look at Annapolis, MD senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,546 | $3,636 |
| Geico | $2,628 | $3,045 |
| Liberty Mutual | $5,885 | $5,885 |
| Nationwide | $1,730 | $1,777 |
| Progressive | $1,868 | $1,907 |
| State Farm | $2,167 | $2,167 |
| USAA | $1,767 | $1,760 |
Cheapest Annapolis, MD Car Insurance Rates After a DUI
A DUI in Annapolis, MD increases car insurance rates. Compare Annapolis, Maryland DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,986 |
| Geico | $5,011 |
| Liberty Mutual | $11,781 |
| Nationwide | $2,622 |
| Progressive | $3,705 |
| State Farm | $3,920 |
| USAA | $3,683 |
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Cheapest Annapolis, MD Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Annapolis, MD by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,571 | $5,732 |
| Geico | $3,645 | $3,767 |
| Liberty Mutual | $8,068 | $8,511 |
| Nationwide | $2,783 | $2,783 |
| Progressive | $3,588 | $3,588 |
| State Farm | $3,866 | $4,066 |
| USAA | $2,547 | $2,708 |
Cheapest Annapolis, MD Car Insurance Rates by ZIP Code
Annapolis car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Annapolis, MD.
| ZIP Code | Average Annual Rates |
|---|---|
| 21401 | $3,746 |
| 21402 | $3,694 |
| 21403 | $3,729 |
| 21405 | $3,775 |
| 21409 | $3,707 |
The Best Cheap Car Insurance Companies in Annapolis, MD
Take a look at a side-by-side comparison of the top car insurance companies in Annapolis, MD to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,651 |
| Geico | $3,706 |
| Liberty Mutual | $8,289 |
| Nationwide | $2,783 |
| Progressive | $3,588 |
| State Farm | $3,966 |
| USAA | $2,627 |
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Category Winners: Cheapest Car Insurance in Annapolis, Maryland
Find the cheapest car insurance companies in Annapolis, MD for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Nationwide |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Nationwide |
| With 1 Speeding Violation | USAA |
Cheapest Annapolis, MD Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Annapolis car insurance rates. Find the cheapest Annapolis, MD car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,518 | $5,618 | $5,818 |
| Geico | $3,575 | $3,685 | $3,858 |
| Liberty Mutual | $8,050 | $8,269 | $8,548 |
| Nationwide | $2,663 | $2,790 | $2,895 |
| Progressive | $3,427 | $3,591 | $3,748 |
| State Farm | $3,751 | $3,977 | $4,171 |
| USAA | $2,491 | $2,636 | $2,755 |
What affects car insurance rates in Annapolis, Maryland?
What factors can have an impact on Annapolis, MD car insurance? There are several reasons why Annapolis car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Annapolis, Maryland.
Car Theft in Annapolis
High levels of vehicle theft can make car insurance more expensive. Annapolis, MD car theft statistics from the FBI indicate 55 vehicle thefts a year.
Commute Time in Annapolis
The more time you spend in your car the higher the risk of an accident. The average commute length in Annapolis, MD is 27.7 minutes according to City-Data.
Traffic in Annapolis
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Annapolis, MD traffic data from INRIX ranks Annapolis as the 651st-most congested in the world.
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Compare Car Insurance Quotes in Annapolis, MD
Ready to find affordable Annapolis, Maryland car insurance today? Enter your ZIP code for fast, free Annapolis, MD car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Annapolis, MD?
The average monthly car insurance rate in Annapolis, MD is $364.
What are the car insurance requirements in Annapolis, Maryland?
The car insurance requirements in Annapolis, MD are 30/60/15. This means you must have at least $30,000 in bodily injury liability coverage per person, $60,000 in bodily injury liability coverage per accident, and $15,000 in property damage liability coverage.
Do I need full coverage insurance if my car is financed?
If your car is financed, the lender may require you to have full coverage insurance. Full coverage insurance typically includes comprehensive and collision coverage in addition to the minimum liability coverage required by the state.
How can I find cheap car insurance rates in Annapolis, MD?
To find cheap car insurance rates in Annapolis, MD, you can compare quotes from the top car insurance companies in the area. By comparing quotes, you can find the best rates for your specific needs.
How do age, gender, and marital status affect car insurance rates in Annapolis, MD?
Different car insurance companies weigh age, gender, and marital status factors differently, so their impact on rates can vary. Generally, younger drivers, male drivers, and unmarried drivers may have higher insurance rates compared to older, female, and married drivers.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.