Cheapest Car Insurance Quotes in Arden on the Severn

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Arden on the Severn Car Insurance

^$ 48

/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 Arden on the Severn

The car insurance rate in Arden on the Severn is $975 for a six-month policy, which is $41 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $713, making it a popular choice for budget-conscious drivers. Rates in Arden on the Severn 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 Arden on the Severn

$975

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Arden on the Severn

1st place: Kemper

At $713 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $770 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 $787 for six months, making it the third cheapest auto insurance company in Arden on the Severn.

Arden on the Severn Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Arden on the Severn, MD is Kemper, offering policies at just $713 for a six-month term. This is followed by USAA, which has an average six-month premium of $770.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1825 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Arden on the Severn drivers find the best deals.

Cheap Car Insurance Companies in Arden on the Severn, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$713	$121
USAA	$770	$130
State Farm	$787	$132
Travelers	$787	$132
Nationwide	$912	$154
Erie	$941	$158
Progressive	$1072	$180
Allstate	$1825	$307

Key Takeaways

Way's key takeaways about car insurance in Arden on the Severn

The auto insurance costs in Arden on the Severn fall around $713 for six months.
The cheapest auto insurance company in Arden on the Severn is USAA.
Teen drivers pay the highest rate in Arden on the Severn at $1282 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Arden on the Severn

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 Arden on the Severn are given below.

USAA provides the cheapest minimum car insurance coverage in Arden on the Severn. Their Average 6 Month Premium is $285. Allstate is the most expensive at $998 for the same period.

Cheapest Liability Coverage in Arden on the Severn, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$285	$48
Travelers	$394	$66
State Farm	$399	$67
Kemper	$405	$67
Erie	$422	$71
Progressive	$496	$84
Nationwide	$514	$86
Allstate	$998	$168

Cheapest Full Coverage Car Insurance in Arden on the Severn

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 Arden on the Severn is Kemper at $121 per month and $713 for six months.

Cheapest Full Coverage Car Insurance Quotes in Arden on the Severn, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$713	$121
USAA	$770	$130
State Farm	$787	$132
Travelers	$787	$132
Nationwide	$912	$154
Erie	$941	$158
Progressive	$1072	$180
Allstate	$1825	$307

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Average Car Insurance in Arden on the Severn 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 Arden on the Severn, MD increasing?

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

Car Insurance Premiums by Age in Arden on the Severn

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	$658
30s	Travelers	$561
40s	Travelers	$511
50s	Travelers	$483
60s	Travelers	$541
70s	USAA	$572

Cheapest Car Insurance Rates for Teen Drivers in Arden on the Severn,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Arden on the Severn at $73 per month. At $7613 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$428	$73
Erie	$1112	$187
Travelers	$1300	$219
USAA	$1391	$234
State Farm	$1887	$318
Progressive	$2401	$404
Nationwide	$3604	$607
Allstate	$7613	$1282

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 Arden on the Severn.

As young drivers face the highest rates in Arden on the Severn, Travelers offers the cheapest auto insurance rates at $658 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 Arden on the Severn, USAA is the cheapest car insurance provider. At $901 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 Arden on the Severn is State Farm, offering rates of around $3410 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$901	$150
Progressive	$929	$156
Nationwide	$1181	$199
Travelers	$1665	$283
Erie	$1956	$326
Allstate	$2663	$453
State Farm	$3410	$568

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Save up to $971/yr on car insurance rates in Arden on the Severn.

Car Insurance Rates with An Accident in Arden on the Severn

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 Arden on the Severn, MD, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Arden on the Severn

The cheapest car insurance companies after an at-fault accident in Arden on the Severn include Erie and USAA, offering $708 and $804, respectively. Encompass is an expensive provider with an average six-month premium of $633.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$708	$119
USAA	$804	$135
Travelers	$815	$137
State Farm	$878	$148
Progressive	$1067	$180
Nationwide	$1482	$250
Allstate	$3330	$561
Encompass	$633	$106

Arden on the Severn Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Arden on the Severn MD. For example, the car insurance in Arden on the Severn after a DUI increases to $1083 for a six month policy. While the rate increases by $251 for a six-month policy in the case of a speeding ticket.

Arden on the Severn auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1152	$192
One Med/PIP claim	$1191	$203
Not-at-fault accident	$1237	$206
One comp claim	$1243	$211
Two Med/PIP claims	$1266	$211
Failure to wear a seat belt	$1306	$222
Failure to show documents	$1340	$224
Child safety restraint	$1352	$229
Two comp claims	$1352	$226
Driving with expired registration	$1385	$235
Cell phone violation	$1403	$234
Driving too slowly	$1403	$238
Failure to stop at a red light	$1403	$234
Failure to yield	$1403	$238
Following too closely	$1403	$234
Illegal turn	$1403	$238
Improper passing	$1403	$234
Speeding 11 - 15 MPH over limit	$1403	$238
Speeding 16 - 20 MPH over limit	$1403	$234
Speeding 6 - 10 MPH over limit	$1403	$238
Texting while driving	$1403	$234
Wrong way/wrong lane	$1403	$238
Speeding in school zone	$1420	$237
At-fault accident - less than $1000	$1449	$247
Passing school bus	$1454	$242
Driving without lights	$1460	$249
Open container	$1466	$244
Operating a vehicle without permission	$1482	$252
Speeding 21 - 25 MPH over limit	$1534	$255
In 65 MPH zone	$1676	$285
At-fault accident - $1000-$2000	$1728	$288
At-fault accident - greater than $2000	$1728	$294
Reckless driving	$1973	$329
Racing	$2122	$361
Driving with a suspended license	$2155	$359
Refusal to submit to a chemical test	$2224	$378
DUI	$2235	$372
Leaving scene of an accident/hit and run	$2252	$383

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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 Arden on the Severn 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 Arden on the Severn.

The cheapest car insurance premiums in Arden on the Severn are offered by Erie at $605 for a six-month policy. However, it can be as expensive as $2486 with companies like Nationwide.

Arden on the Severn car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$605	$102
Travelers	$884	$149
Progressive	$1152	$194
USAA	$1329	$224
State Farm	$1728	$291
Allstate	$1905	$321
Nationwide	$2486	$419

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 Arden on the Severn are offered by State Farm at $541. However, it can be as expensive as $2327 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Arden on the Severn after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$541	$91
USAA	$616	$105
Erie	$718	$121
Progressive	$832	$140
Travelers	$1140	$190
Nationwide	$1620	$276
Allstate	$2327	$388

Car Insurance Price Trends in Arden on the Severn, Maryland

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

The average cost of full coverage in the Arden on the Severn remained steady at $204 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Arden on the Severn remained steady at $74 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 Arden on the Severn?

The car insurance in Arden on the Severn is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Arden on the Severn?

The cheapest car insurance in Arden on the Severn is $121 per month for full coverage.

How much is car insurance in Arden on the Severn for teenagers?

Car insurance for teenagers costs $428 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 Arden on the Severn?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $164 per month to insure your car in Arden on the Severn.

Is car insurance expensive in Arden on the Severn?

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

Cheapest Car Insurance Quotes in Arden on the Severn

Why you can trust Way?

How Much Is Car Insurance in Arden on the Severn

Avg. Car Insurance in Arden on the Severn

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Arden on the Severn

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Arden on the Severn Car Insurance Rates by Company

Cheap Car Insurance Companies in Arden on the Severn, MD

Way's key takeaways about car insurance in Arden on the Severn

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Arden on the Severn

Cheapest Liability Coverage in Arden on the Severn, MD

Cheapest Full Coverage Car Insurance in Arden on the Severn

Cheapest Full Coverage Car Insurance Quotes in Arden on the Severn, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Arden on the Severn by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Arden on the Severn, MD increasing?

Car Insurance Premiums by Age in Arden on the Severn

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Arden on the Severn,MD

If you are in your twenties Travelers is the best choice for car insurance in Arden on the Severn.

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 Arden on the Severn

Cheapest Car Insurance Companies after an At-Fault Accident in Arden on the Severn

Arden on the Severn Car Insurance Rates by Violation

Arden on the Severn auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Arden on the Severn after a DUI

Arden on the Severn car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Arden on the Severn after Speeding ticket

Car Insurance Price Trends in Arden on the Severn, Maryland

Average Car Insurance Cost in Arden on the Severn by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Arden on the Severn, MD

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

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