Cheapest Car Insurance Quotes in Arbutus

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Arbutus Car Insurance

^$ 70

/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 Arbutus

The car insurance rate in Arbutus is $1412 for a six-month policy, which is $396 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1033, making it a popular choice for budget-conscious drivers. Rates in Arbutus 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 Arbutus

$1412

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Arbutus

1st place: Kemper

At $1033 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1115 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 $1140 for six months, making it the third cheapest auto insurance company in Arbutus.

Arbutus Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Arbutus, MD is Kemper, offering policies at just $1033 for a six-month term. This is followed by USAA, which has an average six-month premium of $1115.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2642 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Arbutus drivers find the best deals.

Cheap Car Insurance Companies in Arbutus, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1033	$175
USAA	$1115	$188
State Farm	$1140	$192
Travelers	$1140	$192
Nationwide	$1321	$222
Erie	$1362	$229
Progressive	$1553	$261
Allstate	$2642	$445

Key Takeaways

Way's key takeaways about car insurance in Arbutus

The auto insurance costs in Arbutus fall around $1033 for six months.
The cheapest auto insurance company in Arbutus is USAA.
Teen drivers pay the highest rate in Arbutus at $1856 per month.

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Cheapest Minimum Liability Car Insurance in Arbutus

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 Arbutus are given below.

USAA provides the cheapest minimum car insurance coverage in Arbutus. Their Average 6 Month Premium is $413. Allstate is the most expensive at $1446 for the same period.

Cheapest Liability Coverage in Arbutus, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$413	$70
Travelers	$570	$96
State Farm	$578	$97
Kemper	$587	$97
Erie	$612	$103
Progressive	$719	$121
Nationwide	$744	$125
Allstate	$1446	$243

Cheapest Full Coverage Car Insurance in Arbutus

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 Arbutus is Kemper at $175 per month and $1033 for six months.

Cheapest Full Coverage Car Insurance Quotes in Arbutus, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1033	$175
USAA	$1115	$188
State Farm	$1140	$192
Travelers	$1140	$192
Nationwide	$1321	$222
Erie	$1362	$229
Progressive	$1553	$261
Allstate	$2642	$445

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Average Car Insurance in Arbutus 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 Arbutus, MD increasing?

Despite maintaining a clean driving record, your car insurance rates in Arbutus, 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, Arbutus's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Arbutus

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	$952
30s	Travelers	$812
40s	Travelers	$739
50s	Travelers	$699
60s	Travelers	$784
70s	USAA	$828

Cheapest Car Insurance Rates for Teen Drivers in Arbutus,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Arbutus at $106 per month. At $11023 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$620	$106
Erie	$1610	$271
Travelers	$1882	$317
USAA	$2014	$339
State Farm	$2733	$460
Progressive	$3476	$585
Nationwide	$5218	$878
Allstate	$11023	$1856

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 Arbutus.

As young drivers face the highest rates in Arbutus, Travelers offers the cheapest auto insurance rates at $952 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 Arbutus, USAA is the cheapest car insurance provider. At $1305 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 Arbutus is State Farm, offering rates of around $4937 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1305	$217
Progressive	$1346	$227
Nationwide	$1710	$288
Travelers	$2410	$410
Erie	$2831	$473
Allstate	$3856	$656
State Farm	$4937	$823

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Car Insurance Rates with An Accident in Arbutus

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

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

The cheapest car insurance companies after an at-fault accident in Arbutus include Erie and USAA, offering $1024 and $1165, respectively. Encompass is an expensive provider with an average six-month premium of $916.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1024	$172
USAA	$1165	$196
Travelers	$1180	$199
State Farm	$1272	$214
Progressive	$1544	$260
Nationwide	$2146	$361
Allstate	$4822	$812
Encompass	$916	$153

Arbutus Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Arbutus MD. For example, the car insurance in Arbutus after a DUI increases to $1568 for a six month policy. While the rate increases by $363 for a six-month policy in the case of a speeding ticket.

Arbutus auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1668	$278
One Med/PIP claim	$1725	$293
Not-at-fault accident	$1792	$299
One comp claim	$1800	$306
Two Med/PIP claims	$1833	$306
Failure to wear a seat belt	$1890	$321
Failure to show documents	$1940	$324
Child safety restraint	$1957	$332
Two comp claims	$1957	$327
Driving with expired registration	$2006	$341
Cell phone violation	$2031	$339
Driving too slowly	$2031	$345
Failure to stop at a red light	$2031	$339
Failure to yield	$2031	$345
Following too closely	$2031	$339
Illegal turn	$2031	$345
Improper passing	$2031	$339
Speeding 11 - 15 MPH over limit	$2031	$345
Speeding 16 - 20 MPH over limit	$2031	$339
Speeding 6 - 10 MPH over limit	$2031	$345
Texting while driving	$2031	$339
Wrong way/wrong lane	$2031	$345
Speeding in school zone	$2056	$343
At-fault accident - less than $1000	$2098	$357
Passing school bus	$2106	$350
Driving without lights	$2114	$360
Open container	$2123	$353
Operating a vehicle without permission	$2146	$366
Speeding 21 - 25 MPH over limit	$2221	$370
In 65 MPH zone	$2427	$413
At-fault accident - $1000-$2000	$2502	$417
At-fault accident - greater than $2000	$2502	$425
Reckless driving	$2856	$477
Racing	$3072	$523
Driving with a suspended license	$3121	$520
Refusal to submit to a chemical test	$3221	$548
DUI	$3236	$539
Leaving scene of an accident/hit and run	$3261	$555

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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 Arbutus 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 Arbutus.

The cheapest car insurance premiums in Arbutus are offered by Erie at $876 for a six-month policy. However, it can be as expensive as $3600 with companies like Nationwide.

Arbutus car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$876	$147
Travelers	$1280	$215
Progressive	$1668	$281
USAA	$1924	$324
State Farm	$2502	$421
Allstate	$2758	$464
Nationwide	$3600	$606

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 Arbutus are offered by State Farm at $784. However, it can be as expensive as $3369 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Arbutus after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$784	$132
USAA	$892	$152
Erie	$1040	$175
Progressive	$1205	$203
Travelers	$1651	$275
Nationwide	$2345	$399
Allstate	$3369	$562

Car Insurance Price Trends in Arbutus, Maryland

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

The average cost of full coverage in the Arbutus rose by $296 in December compared to $295 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 Arbutus remained steady at $107 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Arbutus?

The car insurance in Arbutus is $70 per month, which is lower than the national average.

What is the cheapest car insurance in Arbutus?

The cheapest car insurance in Arbutus is $175 per month for full coverage.

How much is car insurance in Arbutus for teenagers?

Car insurance for teenagers costs $620 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 Arbutus?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $238 per month to insure your car in Arbutus.

Is car insurance expensive in Arbutus?

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

Cheapest Car Insurance Quotes in Arbutus

Why you can trust Way?

How Much Is Car Insurance in Arbutus

Avg. Car Insurance in Arbutus

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Arbutus

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Arbutus Car Insurance Rates by Company

Cheap Car Insurance Companies in Arbutus, MD

Way's key takeaways about car insurance in Arbutus

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Arbutus

Cheapest Liability Coverage in Arbutus, MD

Cheapest Full Coverage Car Insurance in Arbutus

Cheapest Full Coverage Car Insurance Quotes in Arbutus, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Arbutus by Rating Factor

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

Car Insurance Premiums by Age in Arbutus

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Arbutus,MD

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

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 Arbutus

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

Arbutus Car Insurance Rates by Violation

Arbutus auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Arbutus after a DUI

Arbutus car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Arbutus after Speeding ticket

Car Insurance Price Trends in Arbutus, Maryland

Average Car Insurance Cost in Arbutus by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Arbutus, MD

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

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