Cheapest Car Insurance Quotes in Arden on the Severn

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Arden on the Severn Car Insurance

^$ 51

/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 $1204 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $743, 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

$1204

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Arden on the Severn

1st place: Kemper

At $743 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $820 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $855 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 $743 for a six-month term. This is followed by USAA, which has an average six-month premium of $820.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2394 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	$743	$126
USAA	$820	$138
Travelers	$855	$144
State Farm	$944	$159
Erie	$1022	$172
Nationwide	$1028	$173
Progressive	$1218	$205
Allstate	$1812	$302
Maryland Auto	$2394	$407

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 $743 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 $1239 per month.

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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 $303. Allstate is the most expensive at $950 for the same period.

Cheapest Liability Coverage in Arden on the Severn, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$303	$51
Travelers	$404	$68
Kemper	$422	$70
Erie	$446	$75
State Farm	$451	$76
Nationwide	$564	$95
Progressive	$582	$98
Maryland Auto	$832	$141
Allstate	$950	$158

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 $126 per month and $743 for six months.

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

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$743	$126
USAA	$820	$138
Travelers	$855	$144
State Farm	$944	$159
Erie	$1022	$172
Nationwide	$1028	$173
Progressive	$1218	$205
Allstate	$1812	$302
Maryland Auto	$2394	$407

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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

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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 $74 per month. At $7437 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$446	$74
Erie	$1390	$234
Travelers	$1479	$249
USAA	$1515	$255
State Farm	$2257	$380
Progressive	$2655	$447
Maryland Auto	$4051	$675
Nationwide	$4431	$746
Allstate	$7437	$1239

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 Arden on the Severn, USAA is the cheapest car insurance provider. At $1069 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 Allstate, offering rates of around $2774 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1069	$178
Progressive	$1194	$201
Nationwide	$1556	$262
Travelers	$2008	$341
Maryland Auto	$2394	$399
Erie	$2525	$429
State Farm	$5483	$914
Allstate	$2774	$472

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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 $849 and $867, respectively. Allstate is an expensive provider with an average six-month premium of $3273.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$849	$143
USAA	$867	$146
Travelers	$915	$154
State Farm	$1028	$173
Progressive	$1224	$206
Nationwide	$1788	$301
Maryland Auto	$3130	$522
Allstate	$3273	$557

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 $1128 for a six month policy. While the rate increases by $261 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	$1200	$200
One Med/PIP claim	$1241	$211
Not-at-fault accident	$1289	$215
One comp claim	$1295	$220
Two Med/PIP claims	$1319	$220
Failure to wear a seat belt	$1360	$231
Failure to show documents	$1396	$233
Child safety restraint	$1408	$239
Two comp claims	$1408	$235
Driving with expired registration	$1443	$245
Cell phone violation	$1461	$244
Driving too slowly	$1461	$248
Failure to stop at a red light	$1461	$244
Failure to yield	$1461	$248
Following too closely	$1461	$244
Illegal turn	$1461	$248
Improper passing	$1461	$244
Speeding 11 - 15 MPH over limit	$1461	$248
Speeding 16 - 20 MPH over limit	$1461	$244
Speeding 6 - 10 MPH over limit	$1461	$248
Texting while driving	$1461	$244
Wrong way/wrong lane	$1461	$248
Speeding in school zone	$1479	$247
At-fault accident - less than $1000	$1509	$257
Passing school bus	$1515	$252
Driving without lights	$1521	$259
Open container	$1527	$254
Operating a vehicle without permission	$1544	$263
Speeding 21 - 25 MPH over limit	$1598	$266
In 65 MPH zone	$1746	$297
At-fault accident - $1000-$2000	$1800	$300
At-fault accident - greater than $2000	$1800	$306
Reckless driving	$2055	$343
Racing	$2210	$376
Driving with a suspended license	$2245	$374
Refusal to submit to a chemical test	$2317	$394
DUI	$2328	$388
Leaving scene of an accident/hit and run	$2346	$399

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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 $713 for a six-month policy. However, it can be as expensive as $3522 with companies like Maryland Auto.

Arden on the Severn car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$713	$120
Travelers	$980	$165
Progressive	$1319	$222
USAA	$1443	$243
Allstate	$1895	$316
State Farm	$2257	$380
Nationwide	$3089	$520
Maryland Auto	$3522	$599

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 USAA at $731. However, it can be as expensive as $2424 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
USAA	$731	$124
State Farm	$766	$129
Erie	$873	$147
Progressive	$1063	$179
Travelers	$1414	$240
Nationwide	$2275	$379
Maryland Auto	$2394	$407
Allstate	$2424	$404

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 rose by $225 in January compared to $213 of December. In other words, there has been an increase by $12 when you compare January and December.

The average cost of liability insurance in the Arden on the Severn rose to $78 in January, compared to $77 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 Arden on the Severn?

The car insurance in Arden on the Severn is $51 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 $126 per month for full coverage.

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

Car insurance for teenagers costs $446 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 $1204 for a six-month policy. It will cost around $202 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: Travelers

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 N/A 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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