Cheapest Car Insurance Quotes in Berwyn Heights

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Berwyn Heights Car Insurance

^$ 59

/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 Berwyn Heights

The car insurance rate in Berwyn Heights is $1189 for a six-month policy, which is $173 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $869, making it a popular choice for budget-conscious drivers. Rates in Berwyn Heights 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 Berwyn Heights

$1189

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Berwyn Heights

1st place: Kemper

At $869 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $938 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 $959 for six months, making it the third cheapest auto insurance company in Berwyn Heights.

Berwyn Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Berwyn Heights, MD is Kemper, offering policies at just $869 for a six-month term. This is followed by USAA, which has an average six-month premium of $938.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2224 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Berwyn Heights drivers find the best deals.

Cheap Car Insurance Companies in Berwyn Heights, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$869	$147
USAA	$938	$158
State Farm	$959	$161
Travelers	$959	$161
Nationwide	$1112	$187
Erie	$1147	$193
Progressive	$1307	$220
Allstate	$2224	$374

Key Takeaways

Way's key takeaways about car insurance in Berwyn Heights

The auto insurance costs in Berwyn Heights fall around $869 for six months.
The cheapest auto insurance company in Berwyn Heights is USAA.
Teen drivers pay the highest rate in Berwyn Heights at $1562 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Berwyn Heights

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 Berwyn Heights are given below.

USAA provides the cheapest minimum car insurance coverage in Berwyn Heights. Their Average 6 Month Premium is $347. Allstate is the most expensive at $1217 for the same period.

Cheapest Liability Coverage in Berwyn Heights, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$347	$59
Travelers	$480	$81
State Farm	$487	$82
Kemper	$494	$82
Erie	$515	$87
Progressive	$605	$102
Nationwide	$626	$105
Allstate	$1217	$205

Cheapest Full Coverage Car Insurance in Berwyn Heights

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 Berwyn Heights is Kemper at $147 per month and $869 for six months.

Cheapest Full Coverage Car Insurance Quotes in Berwyn Heights, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$869	$147
USAA	$938	$158
State Farm	$959	$161
Travelers	$959	$161
Nationwide	$1112	$187
Erie	$1147	$193
Progressive	$1307	$220
Allstate	$2224	$374

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Average Car Insurance in Berwyn Heights 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 Berwyn Heights, MD increasing?

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

Car Insurance Premiums by Age in Berwyn Heights

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	$801
30s	Travelers	$683
40s	Travelers	$622
50s	Travelers	$589
60s	Travelers	$660
70s	USAA	$697

Cheapest Car Insurance Rates for Teen Drivers in Berwyn Heights,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Berwyn Heights at $89 per month. At $9278 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$522	$89
Erie	$1355	$228
Travelers	$1584	$267
USAA	$1695	$285
State Farm	$2300	$387
Progressive	$2926	$493
Nationwide	$4392	$739
Allstate	$9278	$1562

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 Berwyn Heights.

As young drivers face the highest rates in Berwyn Heights, Travelers offers the cheapest auto insurance rates at $801 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 Berwyn Heights, USAA is the cheapest car insurance provider. At $1099 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 Berwyn Heights is State Farm, offering rates of around $4156 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1099	$183
Progressive	$1133	$191
Nationwide	$1439	$242
Travelers	$2029	$345
Erie	$2383	$398
Allstate	$3246	$552
State Farm	$4156	$693

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Car Insurance Rates with An Accident in Berwyn Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Berwyn Heights

The cheapest car insurance companies after an at-fault accident in Berwyn Heights include Erie and USAA, offering $862 and $980, respectively. Encompass is an expensive provider with an average six-month premium of $771.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$862	$145
USAA	$980	$165
Travelers	$993	$167
State Farm	$1071	$180
Progressive	$1300	$219
Nationwide	$1806	$304
Allstate	$4059	$683
Encompass	$771	$129

Berwyn Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Berwyn Heights MD. For example, the car insurance in Berwyn Heights after a DUI increases to $1320 for a six month policy. While the rate increases by $305 for a six-month policy in the case of a speeding ticket.

Berwyn Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1404	$234
One Med/PIP claim	$1452	$247
Not-at-fault accident	$1508	$252
One comp claim	$1515	$257
Two Med/PIP claims	$1543	$257
Failure to wear a seat belt	$1591	$270
Failure to show documents	$1633	$273
Child safety restraint	$1647	$280
Two comp claims	$1647	$275
Driving with expired registration	$1688	$287
Cell phone violation	$1709	$285
Driving too slowly	$1709	$290
Failure to stop at a red light	$1709	$285
Failure to yield	$1709	$290
Following too closely	$1709	$285
Illegal turn	$1709	$290
Improper passing	$1709	$285
Speeding 11 - 15 MPH over limit	$1709	$290
Speeding 16 - 20 MPH over limit	$1709	$285
Speeding 6 - 10 MPH over limit	$1709	$290
Texting while driving	$1709	$285
Wrong way/wrong lane	$1709	$290
Speeding in school zone	$1730	$289
At-fault accident - less than $1000	$1766	$301
Passing school bus	$1773	$295
Driving without lights	$1780	$303
Open container	$1787	$297
Operating a vehicle without permission	$1806	$308
Speeding 21 - 25 MPH over limit	$1870	$311
In 65 MPH zone	$2043	$347
At-fault accident - $1000-$2000	$2106	$351
At-fault accident - greater than $2000	$2106	$358
Reckless driving	$2404	$401
Racing	$2586	$440
Driving with a suspended license	$2627	$438
Refusal to submit to a chemical test	$2711	$461
DUI	$2724	$454
Leaving scene of an accident/hit and run	$2745	$467

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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 Berwyn Heights 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 Berwyn Heights.

The cheapest car insurance premiums in Berwyn Heights are offered by Erie at $737 for a six-month policy. However, it can be as expensive as $3030 with companies like Nationwide.

Berwyn Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$737	$124
Travelers	$1078	$181
Progressive	$1404	$236
USAA	$1619	$273
State Farm	$2106	$355
Allstate	$2321	$391
Nationwide	$3030	$510

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 Berwyn Heights are offered by State Farm at $660. However, it can be as expensive as $2836 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Berwyn Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$660	$111
USAA	$751	$128
Erie	$875	$147
Progressive	$1014	$171
Travelers	$1390	$232
Nationwide	$1974	$336
Allstate	$2836	$473

Car Insurance Price Trends in Berwyn Heights, Maryland

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

The average cost of full coverage in the Berwyn Heights rose by $249 in December compared to $248 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 Berwyn Heights remained steady at $90 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 Berwyn Heights?

The car insurance in Berwyn Heights is $59 per month, which is lower than the national average.

What is the cheapest car insurance in Berwyn Heights?

The cheapest car insurance in Berwyn Heights is $147 per month for full coverage.

How much is car insurance in Berwyn Heights for teenagers?

Car insurance for teenagers costs $522 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 Berwyn Heights?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $200 per month to insure your car in Berwyn Heights.

Is car insurance expensive in Berwyn Heights?

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

Cheapest Car Insurance Quotes in Berwyn Heights

Why you can trust Way?

How Much Is Car Insurance in Berwyn Heights

Avg. Car Insurance in Berwyn Heights

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Berwyn Heights

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Berwyn Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Berwyn Heights, MD

Way's key takeaways about car insurance in Berwyn Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Berwyn Heights

Cheapest Liability Coverage in Berwyn Heights, MD

Cheapest Full Coverage Car Insurance in Berwyn Heights

Cheapest Full Coverage Car Insurance Quotes in Berwyn Heights, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Berwyn Heights by Rating Factor

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

Car Insurance Premiums by Age in Berwyn Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Berwyn Heights,MD

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

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 Berwyn Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Berwyn Heights

Berwyn Heights Car Insurance Rates by Violation

Berwyn Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Berwyn Heights after a DUI

Berwyn Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Berwyn Heights after Speeding ticket

Car Insurance Price Trends in Berwyn Heights, Maryland

Average Car Insurance Cost in Berwyn Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Berwyn Heights, MD

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

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