Cheapest Car Insurance Quotes in Benedict

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406,175 Policies Sold

Benedict Car Insurance

^$ 55

/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 Benedict

The car insurance rate in Benedict is $1288 for a six-month policy, which is $84 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $795, making it a popular choice for budget-conscious drivers. Rates in Benedict 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 Benedict

$1288

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Benedict

1st place: Kemper

At $795 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $877 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $915 for six months, making it the third cheapest auto insurance company in Benedict.

Benedict Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Benedict, MD is Kemper, offering policies at just $795 for a six-month term. This is followed by USAA, which has an average six-month premium of $877.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2562 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Benedict drivers find the best deals.

Cheap Car Insurance Companies in Benedict, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$795	$135
USAA	$877	$148
Travelers	$915	$154
State Farm	$1010	$170
Erie	$1094	$184
Nationwide	$1100	$185
Progressive	$1303	$219
Allstate	$1939	$323
Maryland Auto	$2562	$435

Key Takeaways

Way's key takeaways about car insurance in Benedict

The auto insurance costs in Benedict fall around $795 for six months.
The cheapest auto insurance company in Benedict is USAA.
Teen drivers pay the highest rate in Benedict at $1326 per month.

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Cheapest Minimum Liability Car Insurance in Benedict

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 Benedict are given below.

USAA provides the cheapest minimum car insurance coverage in Benedict. Their Average 6 Month Premium is $324. Allstate is the most expensive at $1017 for the same period.

Cheapest Liability Coverage in Benedict, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$324	$55
Travelers	$432	$73
Kemper	$452	$75
Erie	$477	$80
State Farm	$483	$81
Nationwide	$603	$102
Progressive	$623	$105
Maryland Auto	$890	$151
Allstate	$1017	$169

Cheapest Full Coverage Car Insurance in Benedict

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 Benedict is Kemper at $135 per month and $795 for six months.

Cheapest Full Coverage Car Insurance Quotes in Benedict, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$795	$135
USAA	$877	$148
Travelers	$915	$154
State Farm	$1010	$170
Erie	$1094	$184
Nationwide	$1100	$185
Progressive	$1303	$219
Allstate	$1939	$323
Maryland Auto	$2562	$435

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Average Car Insurance in Benedict 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 Benedict, MD increasing?

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

Car Insurance Premiums by Age in Benedict

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 Benedict,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Benedict at $79 per month. At $7958 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$477	$79
Erie	$1487	$250
Travelers	$1583	$266
USAA	$1621	$273
State Farm	$2415	$407
Progressive	$2841	$478
Maryland Auto	$4335	$722
Nationwide	$4741	$798
Allstate	$7958	$1326

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 Benedict, USAA is the cheapest car insurance provider. At $1144 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 Benedict is Allstate, offering rates of around $2968 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1144	$190
Progressive	$1278	$215
Nationwide	$1665	$280
Travelers	$2149	$365
Maryland Auto	$2562	$427
Erie	$2702	$459
State Farm	$5867	$978
Allstate	$2968	$505

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Car Insurance Rates with An Accident in Benedict

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

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

The cheapest car insurance companies after an at-fault accident in Benedict include Erie and USAA, offering $908 and $928, respectively. Allstate is an expensive provider with an average six-month premium of $3502.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$908	$153
USAA	$928	$156
Travelers	$979	$165
State Farm	$1100	$185
Progressive	$1310	$220
Nationwide	$1913	$322
Maryland Auto	$3349	$559
Allstate	$3502	$596

Benedict Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Benedict MD. For example, the car insurance in Benedict after a DUI increases to $1207 for a six month policy. While the rate increases by $279 for a six-month policy in the case of a speeding ticket.

Benedict auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1284	$214
One Med/PIP claim	$1328	$226
Not-at-fault accident	$1379	$230
One comp claim	$1386	$235
Two Med/PIP claims	$1411	$235
Failure to wear a seat belt	$1455	$247
Failure to show documents	$1494	$249
Child safety restraint	$1507	$256
Two comp claims	$1507	$251
Driving with expired registration	$1544	$262
Cell phone violation	$1563	$261
Driving too slowly	$1563	$265
Failure to stop at a red light	$1563	$261
Failure to yield	$1563	$265
Following too closely	$1563	$261
Illegal turn	$1563	$265
Improper passing	$1563	$261
Speeding 11 - 15 MPH over limit	$1563	$265
Speeding 16 - 20 MPH over limit	$1563	$261
Speeding 6 - 10 MPH over limit	$1563	$265
Texting while driving	$1563	$261
Wrong way/wrong lane	$1563	$265
Speeding in school zone	$1583	$264
At-fault accident - less than $1000	$1615	$275
Passing school bus	$1621	$270
Driving without lights	$1627	$277
Open container	$1634	$272
Operating a vehicle without permission	$1652	$281
Speeding 21 - 25 MPH over limit	$1710	$285
In 65 MPH zone	$1868	$318
At-fault accident - $1000-$2000	$1926	$321
At-fault accident - greater than $2000	$1926	$327
Reckless driving	$2199	$367
Racing	$2365	$402
Driving with a suspended license	$2402	$400
Refusal to submit to a chemical test	$2479	$422
DUI	$2491	$415
Leaving scene of an accident/hit and run	$2510	$427

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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 Benedict 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 Benedict.

The cheapest car insurance premiums in Benedict are offered by Erie at $763 for a six-month policy. However, it can be as expensive as $3769 with companies like Maryland Auto.

Benedict car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$763	$128
Travelers	$1049	$177
Progressive	$1411	$238
USAA	$1544	$260
Allstate	$2028	$338
State Farm	$2415	$407
Nationwide	$3305	$556
Maryland Auto	$3769	$641

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 Benedict are offered by USAA at $782. However, it can be as expensive as $2594 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Benedict after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$782	$133
State Farm	$820	$138
Erie	$934	$157
Progressive	$1137	$192
Travelers	$1513	$257
Nationwide	$2434	$406
Maryland Auto	$2562	$435
Allstate	$2594	$432

Car Insurance Price Trends in Benedict, Maryland

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

The average cost of full coverage in the Benedict rose by $241 in January compared to $228 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 Benedict rose to $83 in January, compared to $82 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 Benedict?

The car insurance in Benedict is $55 per month, which is lower than the national average.

What is the cheapest car insurance in Benedict?

The cheapest car insurance in Benedict is $135 per month for full coverage.

How much is car insurance in Benedict for teenagers?

Car insurance for teenagers costs $477 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 Benedict?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $216 per month to insure your car in Benedict.

Is car insurance expensive in Benedict?

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

Cheapest Car Insurance Quotes in Benedict

Why you can trust Way?

How Much Is Car Insurance in Benedict

Avg. Car Insurance in Benedict

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Benedict

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Benedict Car Insurance Rates by Company

Cheap Car Insurance Companies in Benedict, MD

Way's key takeaways about car insurance in Benedict

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Benedict

Cheapest Liability Coverage in Benedict, MD

Cheapest Full Coverage Car Insurance in Benedict

Cheapest Full Coverage Car Insurance Quotes in Benedict, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Benedict by Rating Factor

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

Car Insurance Premiums by Age in Benedict

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Benedict,MD

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

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 Benedict

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

Benedict Car Insurance Rates by Violation

Benedict auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Benedict after a DUI

Benedict car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Benedict after Speeding ticket

Car Insurance Price Trends in Benedict, Maryland

Average Car Insurance Cost in Benedict by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

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