Cheapest Car Insurance Quotes in Annapolis

Finding the cheapest car insurance quotes in Annapolis shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Annapolis Car Insurance

^$ 50

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Annapolis

The car insurance rate in Annapolis is $1006 for a six-month policy, which is $10 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $736, making it a popular choice for budget-conscious drivers. Rates in Annapolis can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Annapolis

$1006

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Annapolis

1st place: Kemper

At $736 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $794 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $812 for six months, making it the third cheapest auto insurance company in Annapolis.

Annapolis Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Annapolis, MD is Kemper, offering policies at just $736 for a six-month term. This is followed by USAA, which has an average six-month premium of $794.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1882 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Annapolis drivers find the best deals.

Cheap Car Insurance Companies in Annapolis, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$736	$125
USAA	$794	$134
State Farm	$812	$137
Travelers	$812	$137
Nationwide	$941	$158
Erie	$970	$163
Progressive	$1106	$186
Allstate	$1882	$317

Key Takeaways

Way's key takeaways about car insurance in Annapolis

The auto insurance costs in Annapolis fall around $736 for six months.
The cheapest auto insurance company in Annapolis is USAA.
Teen drivers pay the highest rate in Annapolis at $1322 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Annapolis

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Annapolis are given below.

USAA provides the cheapest minimum car insurance coverage in Annapolis. Their Average 6 Month Premium is $294. Allstate is the most expensive at $1030 for the same period.

Cheapest Liability Coverage in Annapolis, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$294	$50
Travelers	$406	$68
State Farm	$412	$69
Kemper	$418	$69
Erie	$436	$73
Progressive	$512	$86
Nationwide	$530	$89
Allstate	$1030	$173

Cheapest Full Coverage Car Insurance in Annapolis

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Annapolis is Kemper at $125 per month and $736 for six months.

Cheapest Full Coverage Car Insurance Quotes in Annapolis, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$736	$125
USAA	$794	$134
State Farm	$812	$137
Travelers	$812	$137
Nationwide	$941	$158
Erie	$970	$163
Progressive	$1106	$186
Allstate	$1882	$317

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Annapolis Instantly!

Average Car Insurance in Annapolis by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Annapolis, MD increasing?

Despite maintaining a clean driving record, your car insurance rates in Annapolis, Maryland, may be increasing due to several external factors. Maryland has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Annapolis's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Annapolis

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$678
30s	Travelers	$578
40s	Travelers	$527
50s	Travelers	$498
60s	Travelers	$558
70s	USAA	$590

Cheapest Car Insurance Rates for Teen Drivers in Annapolis,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Annapolis at $75 per month. At $7851 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$442	$75
Erie	$1146	$193
Travelers	$1340	$226
USAA	$1435	$242
State Farm	$1946	$328
Progressive	$2476	$417
Nationwide	$3716	$626
Allstate	$7851	$1322

Teen Car Insurance Rates in MD by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Annapolis.

As young drivers face the highest rates in Annapolis, Travelers offers the cheapest auto insurance rates at $678 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Annapolis, USAA is the cheapest car insurance provider. At $930 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Annapolis is State Farm, offering rates of around $3516 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$930	$154
Progressive	$958	$161
Nationwide	$1218	$205
Travelers	$1717	$292
Erie	$2017	$337
Allstate	$2746	$467
State Farm	$3516	$586

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Annapolis.

Car Insurance Rates with An Accident in Annapolis

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Annapolis, MD, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Annapolis

The cheapest car insurance companies after an at-fault accident in Annapolis include Erie and USAA, offering $730 and $830, respectively. Encompass is an expensive provider with an average six-month premium of $652.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$730	$123
USAA	$830	$140
Travelers	$841	$142
State Farm	$906	$152
Progressive	$1100	$185
Nationwide	$1529	$257
Allstate	$3434	$578
Encompass	$652	$109

Annapolis Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Annapolis MD. For example, the car insurance in Annapolis after a DUI increases to $1117 for a six month policy. While the rate increases by $258 for a six-month policy in the case of a speeding ticket.

Annapolis auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1188	$198
One Med/PIP claim	$1229	$209
Not-at-fault accident	$1276	$213
One comp claim	$1282	$218
Two Med/PIP claims	$1306	$218
Failure to wear a seat belt	$1346	$229
Failure to show documents	$1382	$231
Child safety restraint	$1394	$237
Two comp claims	$1394	$233
Driving with expired registration	$1429	$243
Cell phone violation	$1446	$242
Driving too slowly	$1446	$246
Failure to stop at a red light	$1446	$242
Failure to yield	$1446	$246
Following too closely	$1446	$242
Illegal turn	$1446	$246
Improper passing	$1446	$242
Speeding 11 - 15 MPH over limit	$1446	$246
Speeding 16 - 20 MPH over limit	$1446	$242
Speeding 6 - 10 MPH over limit	$1446	$246
Texting while driving	$1446	$242
Wrong way/wrong lane	$1446	$246
Speeding in school zone	$1464	$245
At-fault accident - less than $1000	$1494	$254
Passing school bus	$1500	$249
Driving without lights	$1506	$256
Open container	$1512	$251
Operating a vehicle without permission	$1529	$260
Speeding 21 - 25 MPH over limit	$1582	$263
In 65 MPH zone	$1729	$294
At-fault accident - $1000-$2000	$1782	$297
At-fault accident - greater than $2000	$1782	$303
Reckless driving	$2034	$340
Racing	$2188	$372
Driving with a suspended license	$2223	$370
Refusal to submit to a chemical test	$2294	$390
DUI	$2305	$384
Leaving scene of an accident/hit and run	$2323	$395

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Annapolis after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Annapolis.

The cheapest car insurance premiums in Annapolis are offered by Erie at $624 for a six-month policy. However, it can be as expensive as $2564 with companies like Nationwide.

Annapolis car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$624	$105
Travelers	$912	$153
Progressive	$1188	$200
USAA	$1370	$231
State Farm	$1782	$300
Allstate	$1964	$331
Nationwide	$2564	$432

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Annapolis are offered by State Farm at $558. However, it can be as expensive as $2400 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Annapolis after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$558	$94
USAA	$636	$108
Erie	$741	$125
Progressive	$858	$145
Travelers	$1176	$196
Nationwide	$1670	$284
Allstate	$2400	$400

Car Insurance Price Trends in Annapolis, Maryland

Car insurance rates in Annapolis have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Annapolis rose by $211 in December compared to $210 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Annapolis remained steady at $76 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Average Car Insurance Cost in Annapolis by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Annapolis. At $1066 for a six-month policy, insuring your car at 21402 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
21402	$1066	$179
21401	$1398	$235
21409	$1207	$203
21405	$1005	$169
21403	$1327	$223

Frequently Asked Questions

How much is car insurance in Annapolis?

The car insurance in Annapolis is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Annapolis?

The cheapest car insurance in Annapolis is $125 per month for full coverage.

How much is car insurance in Annapolis for teenagers?

Car insurance for teenagers costs $442 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Annapolis?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $169 per month to insure your car in Annapolis.

Is car insurance expensive in Annapolis?

Car insurance can be expensive in Annapolis if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Annapolis can be affordable.

What is the best car insurance in Annapolis, MD?

The best car insurance company in Annapolis MD is Kemper, offering $736 for a six-month policy.