Best Laurel, MD Car Insurance in 2024
Car insurance in Laurel, MD averages $431 a month. Laurel, Maryland car insurance requirements are 30/60/15, but you might need full coverage insurance if your car is financed. To find cheap Laurel car insurance rates, compare quotes from the top car insurance companies in Laurel, MD.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
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 Laurel for teen drivers is USAA
- Average car insurance rates in Laurel, MD after a DUI are $6,097/year
- The cheapest ZIP code in Laurel is 20723
If you need to buy Laurel, Maryland car insurance, the options can be confusing. Everything you need to know about car insurance in Laurel, MD is right here.
You’ll find Laurel car insurance rates, the cheapest Laurel, MD car insurance companies, and information on Maryland car insurance laws. You can also compare Laurel, Maryland car insurance rates to Bowie car insurance rates, Frederick car insurance rates, and Rockville car insurance rates.
Ready to find affordable Laurel, MD car insurance today? Enter your ZIP code for fast, free Laurel car insurance quotes.
Cheapest Laurel, MD Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Laurel, MD car insurance rates? Every Laurel, 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 | $3,954 | $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 |
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Minimum Car Insurance in Laurel, MD
Every driver must carry the minimum car insurance required by the state in Laurel, 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 Laurel, MD Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Laurel, MD. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Laurel from top companies for good, fair, and poor credit.
| 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 |
Cheapest Laurel, MD Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Laurel, MD to rates for a clean record with top companies.
| 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 |
Cheapest Laurel, MD Car Insurance for Teen Drivers
Teen car insurance in Laurel, MD can be expensive. Take a look at rates from the top car insurance companies in Laurel for teenagers.
| 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 |
Cheapest Laurel, MD Car Insurance for Seniors
Take a look at Laurel, MD rates on car insurance for seniors 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 | $3,792 | $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 |
Cheapest Laurel, MD Car Insurance Rates After a DUI
A DUI in Laurel, MD increases car insurance rates. Compare Laurel, Maryland car insurance after a DUI by the company to find the cheapest option.
| 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 |
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Cheapest Laurel, MD Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Laurel, 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 | $5,968 | $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 |
Cheapest Laurel, MD Car Insurance Rates by ZIP Code
Laurel car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Laurel, MD.
| ZIP Code | Average Annual Rates |
|---|---|
| 20708 | $4,523 |
| 20723 | $4,277 |
The Best Cheap Car Insurance Companies in Laurel, MD
Take a look at a side-by-side comparison of the top car insurance companies in Laurel, MD to find the best option for your needs.
| 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 |
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Category Winners: Cheapest Car Insurance in Laurel, Maryland
Find the cheapest car insurance companies in Laurel, 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 Laurel, MD Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Laurel car insurance rates. Find the cheapest Laurel, MD car insurance rates by coverage level.
| 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 |
What affects car insurance rates in Laurel, Maryland?
What are the factors that affect car insurance rates in Laurel, MD? There are several reasons why Laurel car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Laurel, Maryland.
Car Theft in Laurel
High levels of vehicle theft can make car insurance more expensive. Laurel, MD car theft statistics from the FBI indicate 78 vehicle thefts a year.
Commute Time in Laurel
The more time you spend in your car the higher the risk of an accident. The average commute length in Laurel, MD is 35.9 minutes according to City-Data.
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Compare Car Insurance Quotes in Laurel, MD
Ready to find affordable Laurel, Maryland car insurance today? Enter your ZIP code for fast, free Laurel, MD car insurance quotes.
Frequently Asked Questions
How much does car insurance in Laurel, MD cost?
The cost of car insurance in Laurel, MD can vary depending on various factors, including your age, driving record, type of vehicle, coverage options, and the insurance company you choose. It’s recommended to obtain quotes from different insurers to get an accurate estimate based on your specific circumstances.
What are the minimum car insurance requirements in Laurel, MD?
In Laurel, MD, the minimum car insurance requirements are as follows:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $15,000 property damage liability coverage per accident
What additional coverage options should I consider for car insurance in Laurel, MD?
While meeting the minimum insurance requirements is necessary, you may want to consider additional coverage options for enhanced protection. Some options to consider include:
- Collision Coverage: This coverage helps pay for repairs or replacement of your vehicle if it’s damaged in a collision, regardless of fault.
- Comprehensive Coverage: Comprehensive coverage protects against non-collision-related incidents, such as theft, vandalism, fire, or severe weather damage.
- Uninsured/Underinsured Motorist Coverage: This coverage provides protection if you’re involved in an accident with a driver who has insufficient or no insurance.
- Medical Payments Coverage: Medical payments coverage helps cover medical expenses for you and your passengers in the event of an accident, regardless of fault.
- Personal Injury Protection (PIP): PIP coverage provides broader medical coverage and additional benefits such as lost wages and funeral expenses.
Are there any discounts available for car insurance in Laurel, MD?
Yes, there are several discounts available for car insurance in Laurel, MD. Common discounts include:
- Multi-Policy Discount: Bundling your car insurance with other policies, such as home or renters insurance, can lead to discounted rates.
- Good Driver Discount: Maintaining a clean driving record with no accidents or traffic violations may make you eligible for lower premiums.
- Safety Feature Discount: Having safety features in your vehicle, such as anti-lock brakes, airbags, or anti-theft systems, can help lower insurance rates.
- Good Student Discount: If you’re a student with good grades, you may qualify for a discount on your car insurance.
- Mature Driver Discount: Older drivers who have completed a defensive driving course may be eligible for discounted rates.
How can I find affordable car insurance in Laurel, MD?
To find affordable car insurance in Laurel, MD, consider the following tips:
- Shop Around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Maintain a Good Driving Record: Avoid accidents and traffic violations as they can result in higher insurance premiums. Practice safe driving habits and obey traffic laws.
- Increase Deductibles: Opting for higher deductibles can lower your insurance premiums. However, ensure that you can comfortably afford the deductible amount if you need to make a claim.
- Review Coverage Regularly: Periodically review your coverage needs and adjust your policy accordingly. Removing unnecessary coverage or adjusting coverage limits can help save money.
- Take Advantage of Discounts: Inquire about available discounts and see if you qualify for any based on your circumstances. Discounts can significantly lower your insurance premiums.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
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.