Cheapest Car Insurance Quotes in Annapolis Neck

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Annapolis Neck Car Insurance

^$ 52

/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 Neck

The car insurance rate in Annapolis Neck is $1228 for a six-month policy, which is $24 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $758, making it a popular choice for budget-conscious drivers. Rates in Annapolis Neck 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 Neck

$1228

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Annapolis Neck

1st place: Kemper

At $758 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $836 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $872 for six months, making it the third cheapest auto insurance company in Annapolis Neck.

Annapolis Neck Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Annapolis Neck, MD is Kemper, offering policies at just $758 for a six-month term. This is followed by USAA, which has an average six-month premium of $836.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2442 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Annapolis Neck drivers find the best deals.

Cheap Car Insurance Companies in Annapolis Neck, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$758	$129
USAA	$836	$141
Travelers	$872	$147
State Farm	$963	$162
Erie	$1042	$175
Nationwide	$1049	$176
Progressive	$1242	$209
Allstate	$1848	$308
Maryland Auto	$2442	$415

Key Takeaways

Way's key takeaways about car insurance in Annapolis Neck

The auto insurance costs in Annapolis Neck fall around $758 for six months.
The cheapest auto insurance company in Annapolis Neck is USAA.
Teen drivers pay the highest rate in Annapolis Neck at $1264 per month.

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Cheapest Minimum Liability Car Insurance in Annapolis Neck

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 Neck are given below.

USAA provides the cheapest minimum car insurance coverage in Annapolis Neck. Their Average 6 Month Premium is $309. Allstate is the most expensive at $969 for the same period.

Cheapest Liability Coverage in Annapolis Neck, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$309	$52
Travelers	$412	$69
Kemper	$430	$71
Erie	$455	$77
State Farm	$460	$78
Nationwide	$575	$97
Progressive	$594	$100
Maryland Auto	$849	$144
Allstate	$969	$161

Cheapest Full Coverage Car Insurance in Annapolis Neck

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 Neck is Kemper at $129 per month and $758 for six months.

Cheapest Full Coverage Car Insurance Quotes in Annapolis Neck, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$758	$129
USAA	$836	$141
Travelers	$872	$147
State Farm	$963	$162
Erie	$1042	$175
Nationwide	$1049	$176
Progressive	$1242	$209
Allstate	$1848	$308
Maryland Auto	$2442	$415

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Average Car Insurance in Annapolis Neck 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 Neck, MD increasing?

Despite maintaining a clean driving record, your car insurance rates in Annapolis Neck, 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 Neck'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 Neck

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

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Cheapest Car Insurance Rates for Teen Drivers in Annapolis Neck,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Annapolis Neck at $75 per month. At $7586 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$455	$75
Erie	$1418	$239
Travelers	$1509	$254
USAA	$1545	$260
State Farm	$2302	$388
Progressive	$2708	$456
Maryland Auto	$4132	$689
Nationwide	$4520	$761
Allstate	$7586	$1264

Teen Car Insurance Rates in MD by Age

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 Neck, USAA is the cheapest car insurance provider. At $1090 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 Neck is Allstate, offering rates of around $2829 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1090	$182
Progressive	$1218	$205
Nationwide	$1587	$267
Travelers	$2048	$348
Maryland Auto	$2442	$407
Erie	$2576	$438
State Farm	$5593	$932
Allstate	$2829	$481

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Car Insurance Rates with An Accident in Annapolis Neck

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 Neck, MD, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Annapolis Neck include Erie and USAA, offering $866 and $884, respectively. Allstate is an expensive provider with an average six-month premium of $3338.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$866	$146
USAA	$884	$149
Travelers	$933	$157
State Farm	$1049	$176
Progressive	$1248	$210
Nationwide	$1824	$307
Maryland Auto	$3193	$532
Allstate	$3338	$568

Annapolis Neck Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Annapolis Neck MD. For example, the car insurance in Annapolis Neck after a DUI increases to $1151 for a six month policy. While the rate increases by $266 for a six-month policy in the case of a speeding ticket.

Annapolis Neck auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1224	$204
One Med/PIP claim	$1266	$215
Not-at-fault accident	$1315	$219
One comp claim	$1321	$224
Two Med/PIP claims	$1345	$224
Failure to wear a seat belt	$1387	$236
Failure to show documents	$1424	$238
Child safety restraint	$1436	$244
Two comp claims	$1436	$240
Driving with expired registration	$1472	$250
Cell phone violation	$1490	$249
Driving too slowly	$1490	$253
Failure to stop at a red light	$1490	$249
Failure to yield	$1490	$253
Following too closely	$1490	$249
Illegal turn	$1490	$253
Improper passing	$1490	$249
Speeding 11 - 15 MPH over limit	$1490	$253
Speeding 16 - 20 MPH over limit	$1490	$249
Speeding 6 - 10 MPH over limit	$1490	$253
Texting while driving	$1490	$249
Wrong way/wrong lane	$1490	$253
Speeding in school zone	$1509	$252
At-fault accident - less than $1000	$1539	$262
Passing school bus	$1545	$257
Driving without lights	$1551	$264
Open container	$1558	$259
Operating a vehicle without permission	$1575	$268
Speeding 21 - 25 MPH over limit	$1630	$271
In 65 MPH zone	$1781	$303
At-fault accident - $1000-$2000	$1836	$306
At-fault accident - greater than $2000	$1836	$312
Reckless driving	$2096	$350
Racing	$2254	$384
Driving with a suspended license	$2290	$381
Refusal to submit to a chemical test	$2363	$402
DUI	$2375	$396
Leaving scene of an accident/hit and run	$2393	$407

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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 Neck 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 Neck.

The cheapest car insurance premiums in Annapolis Neck are offered by Erie at $727 for a six-month policy. However, it can be as expensive as $3592 with companies like Maryland Auto.

Annapolis Neck car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$727	$122
Travelers	$1000	$168
Progressive	$1345	$226
USAA	$1472	$248
Allstate	$1933	$322
State Farm	$2302	$388
Nationwide	$3151	$530
Maryland Auto	$3592	$611

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 Neck are offered by USAA at $746. However, it can be as expensive as $2472 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Annapolis Neck after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$746	$126
State Farm	$781	$132
Erie	$890	$150
Progressive	$1084	$183
Travelers	$1442	$245
Nationwide	$2321	$387
Maryland Auto	$2442	$415
Allstate	$2472	$412

Car Insurance Price Trends in Annapolis Neck, Maryland

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

The average cost of full coverage in the Annapolis Neck rose by $230 in January compared to $217 of December. In other words, there has been an increase by $13 when you compare January and December.

The average cost of liability insurance in the Annapolis Neck rose to $80 in January, compared to $79 in December. This represents an increase of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Annapolis Neck?

The car insurance in Annapolis Neck is $52 per month, which is lower than the national average.

What is the cheapest car insurance in Annapolis Neck?

The cheapest car insurance in Annapolis Neck is $129 per month for full coverage.

How much is car insurance in Annapolis Neck for teenagers?

Car insurance for teenagers costs $455 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 Neck?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $206 per month to insure your car in Annapolis Neck.

Is car insurance expensive in Annapolis Neck?

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

Cheapest Car Insurance Quotes in Annapolis Neck

Why you can trust Way?

How Much Is Car Insurance in Annapolis Neck

Avg. Car Insurance in Annapolis Neck

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Annapolis Neck

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Annapolis Neck Car Insurance Rates by Company

Cheap Car Insurance Companies in Annapolis Neck, MD

Way's key takeaways about car insurance in Annapolis Neck

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Annapolis Neck

Cheapest Liability Coverage in Annapolis Neck, MD

Cheapest Full Coverage Car Insurance in Annapolis Neck

Cheapest Full Coverage Car Insurance Quotes in Annapolis Neck, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Annapolis Neck by Rating Factor

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

Car Insurance Premiums by Age in Annapolis Neck

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Annapolis Neck,MD

If you are in your twenties N/A is the best choice for car insurance in Annapolis Neck.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Annapolis Neck

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

Annapolis Neck Car Insurance Rates by Violation

Annapolis Neck auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Annapolis Neck after a DUI

Annapolis Neck car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Annapolis Neck after Speeding ticket

Car Insurance Price Trends in Annapolis Neck, Maryland

Average Car Insurance Cost in Annapolis Neck by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Annapolis Neck, MD

Car Insurance Rates by State in the USA (2025 Update)

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