Cheapest Car Insurance Quotes in Ballenger Creek

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Ballenger Creek Car Insurance

^$ 44

/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 Ballenger Creek

The car insurance rate in Ballenger Creek is $894 for a six-month policy, which is $122 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $654, making it a popular choice for budget-conscious drivers. Rates in Ballenger Creek 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 Ballenger Creek

$894

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Ballenger Creek

1st place: Kemper

At $654 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $706 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 $722 for six months, making it the third cheapest auto insurance company in Ballenger Creek.

Ballenger Creek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ballenger Creek, MD is Kemper, offering policies at just $654 for a six-month term. This is followed by USAA, which has an average six-month premium of $706.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1673 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ballenger Creek drivers find the best deals.

Cheap Car Insurance Companies in Ballenger Creek, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$654	$111
USAA	$706	$119
State Farm	$722	$121
Travelers	$722	$121
Nationwide	$836	$141
Erie	$862	$145
Progressive	$983	$165
Allstate	$1673	$282

Key Takeaways

Way's key takeaways about car insurance in Ballenger Creek

The auto insurance costs in Ballenger Creek fall around $654 for six months.
The cheapest auto insurance company in Ballenger Creek is USAA.
Teen drivers pay the highest rate in Ballenger Creek at $1175 per month.

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Cheapest Minimum Liability Car Insurance in Ballenger Creek

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 Ballenger Creek are given below.

USAA provides the cheapest minimum car insurance coverage in Ballenger Creek. Their Average 6 Month Premium is $261. Allstate is the most expensive at $915 for the same period.

Cheapest Liability Coverage in Ballenger Creek, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$261	$44
Travelers	$361	$61
State Farm	$366	$62
Kemper	$371	$62
Erie	$387	$65
Progressive	$455	$77
Nationwide	$471	$79
Allstate	$915	$154

Cheapest Full Coverage Car Insurance in Ballenger Creek

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 Ballenger Creek is Kemper at $111 per month and $654 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ballenger Creek, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$654	$111
USAA	$706	$119
State Farm	$722	$121
Travelers	$722	$121
Nationwide	$836	$141
Erie	$862	$145
Progressive	$983	$165
Allstate	$1673	$282

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Average Car Insurance in Ballenger Creek 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 Ballenger Creek, MD increasing?

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

Car Insurance Premiums by Age in Ballenger Creek

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	$603
30s	Travelers	$514
40s	Travelers	$468
50s	Travelers	$443
60s	Travelers	$496
70s	USAA	$524

Cheapest Car Insurance Rates for Teen Drivers in Ballenger Creek,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Ballenger Creek at $67 per month. At $6978 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$392	$67
Erie	$1019	$172
Travelers	$1192	$201
USAA	$1275	$215
State Farm	$1730	$291
Progressive	$2201	$370
Nationwide	$3304	$556
Allstate	$6978	$1175

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 Ballenger Creek.

As young drivers face the highest rates in Ballenger Creek, Travelers offers the cheapest auto insurance rates at $603 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 Ballenger Creek, USAA is the cheapest car insurance provider. At $826 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 Ballenger Creek is State Farm, offering rates of around $3126 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$826	$137
Progressive	$852	$143
Nationwide	$1082	$182
Travelers	$1526	$260
Erie	$1793	$299
Allstate	$2441	$415
State Farm	$3126	$521

Escape the Trap of Rising Insurance Costs.

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Car Insurance Rates with An Accident in Ballenger Creek

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

Cheapest Car Insurance Companies after an At-Fault Accident in Ballenger Creek

The cheapest car insurance companies after an at-fault accident in Ballenger Creek include Erie and USAA, offering $649 and $737, respectively. Encompass is an expensive provider with an average six-month premium of $580.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$649	$109
USAA	$737	$124
Travelers	$747	$126
State Farm	$805	$136
Progressive	$978	$165
Nationwide	$1359	$229
Allstate	$3053	$514
Encompass	$580	$97

Ballenger Creek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ballenger Creek MD. For example, the car insurance in Ballenger Creek after a DUI increases to $993 for a six month policy. While the rate increases by $230 for a six-month policy in the case of a speeding ticket.

Ballenger Creek auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1056	$176
One Med/PIP claim	$1092	$186
Not-at-fault accident	$1134	$189
One comp claim	$1140	$194
Two Med/PIP claims	$1161	$194
Failure to wear a seat belt	$1197	$203
Failure to show documents	$1228	$205
Child safety restraint	$1239	$210
Two comp claims	$1239	$207
Driving with expired registration	$1270	$216
Cell phone violation	$1286	$215
Driving too slowly	$1286	$218
Failure to stop at a red light	$1286	$215
Failure to yield	$1286	$218
Following too closely	$1286	$215
Illegal turn	$1286	$218
Improper passing	$1286	$215
Speeding 11 - 15 MPH over limit	$1286	$218
Speeding 16 - 20 MPH over limit	$1286	$215
Speeding 6 - 10 MPH over limit	$1286	$218
Texting while driving	$1286	$215
Wrong way/wrong lane	$1286	$218
Speeding in school zone	$1302	$217
At-fault accident - less than $1000	$1328	$226
Passing school bus	$1333	$222
Driving without lights	$1338	$228
Open container	$1344	$224
Operating a vehicle without permission	$1359	$231
Speeding 21 - 25 MPH over limit	$1406	$234
In 65 MPH zone	$1536	$261
At-fault accident - $1000-$2000	$1584	$264
At-fault accident - greater than $2000	$1584	$269
Reckless driving	$1808	$302
Racing	$1945	$331
Driving with a suspended license	$1976	$329
Refusal to submit to a chemical test	$2039	$347
DUI	$2049	$341
Leaving scene of an accident/hit and run	$2064	$351

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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 Ballenger Creek 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 Ballenger Creek.

The cheapest car insurance premiums in Ballenger Creek are offered by Erie at $554 for a six-month policy. However, it can be as expensive as $2279 with companies like Nationwide.

Ballenger Creek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$554	$93
Travelers	$810	$136
Progressive	$1056	$178
USAA	$1218	$205
State Farm	$1584	$267
Allstate	$1746	$294
Nationwide	$2279	$384

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 Ballenger Creek are offered by State Farm at $496. However, it can be as expensive as $2133 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Ballenger Creek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$496	$84
USAA	$565	$96
Erie	$658	$111
Progressive	$763	$128
Travelers	$1045	$174
Nationwide	$1485	$253
Allstate	$2133	$356

Car Insurance Price Trends in Ballenger Creek, Maryland

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

The average cost of full coverage in the Ballenger Creek remained steady at $187 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Ballenger Creek remained steady at $68 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 Ballenger Creek?

The car insurance in Ballenger Creek is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Ballenger Creek?

The cheapest car insurance in Ballenger Creek is $111 per month for full coverage.

How much is car insurance in Ballenger Creek for teenagers?

Car insurance for teenagers costs $392 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 Ballenger Creek?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $150 per month to insure your car in Ballenger Creek.

Is car insurance expensive in Ballenger Creek?

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

Cheapest Car Insurance Quotes in Ballenger Creek

Why you can trust Way?

How Much Is Car Insurance in Ballenger Creek

Avg. Car Insurance in Ballenger Creek

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Ballenger Creek

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Ballenger Creek Car Insurance Rates by Company

Cheap Car Insurance Companies in Ballenger Creek, MD

Way's key takeaways about car insurance in Ballenger Creek

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ballenger Creek

Cheapest Liability Coverage in Ballenger Creek, MD

Cheapest Full Coverage Car Insurance in Ballenger Creek

Cheapest Full Coverage Car Insurance Quotes in Ballenger Creek, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ballenger Creek by Rating Factor

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

Car Insurance Premiums by Age in Ballenger Creek

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ballenger Creek,MD

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

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 Ballenger Creek

Cheapest Car Insurance Companies after an At-Fault Accident in Ballenger Creek

Ballenger Creek Car Insurance Rates by Violation

Ballenger Creek auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ballenger Creek after a DUI

Ballenger Creek car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ballenger Creek after Speeding ticket

Car Insurance Price Trends in Ballenger Creek, Maryland

Average Car Insurance Cost in Ballenger Creek by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ballenger Creek, MD

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

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