Cheapest Car Insurance Quotes in Boonsboro

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Boonsboro Car Insurance

^$ 42

/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 Boonsboro

The car insurance rate in Boonsboro is $843 for a six-month policy, which is $173 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $617, making it a popular choice for budget-conscious drivers. Rates in Boonsboro 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 Boonsboro

$843

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Boonsboro

1st place: Kemper

At $617 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $666 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 $681 for six months, making it the third cheapest auto insurance company in Boonsboro.

Boonsboro Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Boonsboro, MD is Kemper, offering policies at just $617 for a six-month term. This is followed by USAA, which has an average six-month premium of $666.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1578 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Boonsboro drivers find the best deals.

Cheap Car Insurance Companies in Boonsboro, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$617	$105
USAA	$666	$112
State Farm	$681	$115
Travelers	$681	$115
Nationwide	$789	$133
Erie	$813	$137
Progressive	$927	$156
Allstate	$1578	$266

Key Takeaways

Way's key takeaways about car insurance in Boonsboro

The auto insurance costs in Boonsboro fall around $617 for six months.
The cheapest auto insurance company in Boonsboro is USAA.
Teen drivers pay the highest rate in Boonsboro at $1108 per month.

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Cheapest Minimum Liability Car Insurance in Boonsboro

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 Boonsboro are given below.

USAA provides the cheapest minimum car insurance coverage in Boonsboro. Their Average 6 Month Premium is $247. Allstate is the most expensive at $863 for the same period.

Cheapest Liability Coverage in Boonsboro, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$247	$42
Travelers	$340	$57
State Farm	$345	$58
Kemper	$350	$58
Erie	$365	$61
Progressive	$429	$72
Nationwide	$444	$75
Allstate	$863	$145

Cheapest Full Coverage Car Insurance in Boonsboro

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 Boonsboro is Kemper at $105 per month and $617 for six months.

Cheapest Full Coverage Car Insurance Quotes in Boonsboro, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$617	$105
USAA	$666	$112
State Farm	$681	$115
Travelers	$681	$115
Nationwide	$789	$133
Erie	$813	$137
Progressive	$927	$156
Allstate	$1578	$266

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Average Car Insurance in Boonsboro 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 Boonsboro, MD increasing?

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

Car Insurance Premiums by Age in Boonsboro

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	$569
30s	Travelers	$485
40s	Travelers	$442
50s	Travelers	$417
60s	Travelers	$468
70s	USAA	$495

Cheapest Car Insurance Rates for Teen Drivers in Boonsboro,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Boonsboro at $63 per month. At $6582 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$370	$63
Erie	$961	$162
Travelers	$1124	$189
USAA	$1203	$203
State Farm	$1632	$275
Progressive	$2076	$349
Nationwide	$3116	$525
Allstate	$6582	$1108

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 Boonsboro.

As young drivers face the highest rates in Boonsboro, Travelers offers the cheapest auto insurance rates at $569 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 Boonsboro, USAA is the cheapest car insurance provider. At $779 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 Boonsboro is State Farm, offering rates of around $2948 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$779	$129
Progressive	$803	$135
Nationwide	$1021	$172
Travelers	$1439	$245
Erie	$1691	$282
Allstate	$2302	$392
State Farm	$2948	$491

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Car Insurance Rates with An Accident in Boonsboro

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

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

The cheapest car insurance companies after an at-fault accident in Boonsboro include Erie and USAA, offering $612 and $696, respectively. Encompass is an expensive provider with an average six-month premium of $547.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$612	$103
USAA	$696	$117
Travelers	$705	$119
State Farm	$759	$128
Progressive	$922	$155
Nationwide	$1282	$216
Allstate	$2879	$485
Encompass	$547	$91

Boonsboro Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Boonsboro MD. For example, the car insurance in Boonsboro after a DUI increases to $936 for a six month policy. While the rate increases by $217 for a six-month policy in the case of a speeding ticket.

Boonsboro auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$996	$166
One Med/PIP claim	$1030	$175
Not-at-fault accident	$1070	$178
One comp claim	$1075	$183
Two Med/PIP claims	$1095	$183
Failure to wear a seat belt	$1129	$192
Failure to show documents	$1159	$193
Child safety restraint	$1169	$198
Two comp claims	$1169	$195
Driving with expired registration	$1198	$203
Cell phone violation	$1213	$203
Driving too slowly	$1213	$206
Failure to stop at a red light	$1213	$203
Failure to yield	$1213	$206
Following too closely	$1213	$203
Illegal turn	$1213	$206
Improper passing	$1213	$203
Speeding 11 - 15 MPH over limit	$1213	$206
Speeding 16 - 20 MPH over limit	$1213	$203
Speeding 6 - 10 MPH over limit	$1213	$206
Texting while driving	$1213	$203
Wrong way/wrong lane	$1213	$206
Speeding in school zone	$1228	$205
At-fault accident - less than $1000	$1252	$213
Passing school bus	$1257	$209
Driving without lights	$1262	$215
Open container	$1267	$211
Operating a vehicle without permission	$1282	$218
Speeding 21 - 25 MPH over limit	$1326	$221
In 65 MPH zone	$1449	$247
At-fault accident - $1000-$2000	$1494	$249
At-fault accident - greater than $2000	$1494	$254
Reckless driving	$1706	$285
Racing	$1834	$312
Driving with a suspended license	$1863	$310
Refusal to submit to a chemical test	$1923	$327
DUI	$1932	$322
Leaving scene of an accident/hit and run	$1947	$331

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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 Boonsboro 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 Boonsboro.

The cheapest car insurance premiums in Boonsboro are offered by Erie at $523 for a six-month policy. However, it can be as expensive as $2150 with companies like Nationwide.

Boonsboro car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$523	$88
Travelers	$764	$129
Progressive	$996	$168
USAA	$1149	$193
State Farm	$1494	$251
Allstate	$1647	$277
Nationwide	$2150	$362

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 Boonsboro are offered by State Farm at $468. However, it can be as expensive as $2012 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Boonsboro after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$468	$79
USAA	$533	$90
Erie	$621	$105
Progressive	$720	$121
Travelers	$986	$164
Nationwide	$1400	$238
Allstate	$2012	$335

Car Insurance Price Trends in Boonsboro, Maryland

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

The average cost of full coverage in the Boonsboro rose by $177 in December compared to $176 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 Boonsboro remained steady at $64 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 Boonsboro?

The car insurance in Boonsboro is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Boonsboro?

The cheapest car insurance in Boonsboro is $105 per month for full coverage.

How much is car insurance in Boonsboro for teenagers?

Car insurance for teenagers costs $370 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 Boonsboro?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $142 per month to insure your car in Boonsboro.

Is car insurance expensive in Boonsboro?

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

Cheapest Car Insurance Quotes in Boonsboro

Why you can trust Way?

How Much Is Car Insurance in Boonsboro

Avg. Car Insurance in Boonsboro

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Boonsboro

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Boonsboro Car Insurance Rates by Company

Cheap Car Insurance Companies in Boonsboro, MD

Way's key takeaways about car insurance in Boonsboro

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Boonsboro

Cheapest Liability Coverage in Boonsboro, MD

Cheapest Full Coverage Car Insurance in Boonsboro

Cheapest Full Coverage Car Insurance Quotes in Boonsboro, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Boonsboro by Rating Factor

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

Car Insurance Premiums by Age in Boonsboro

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Boonsboro,MD

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

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 Boonsboro

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

Boonsboro Car Insurance Rates by Violation

Boonsboro auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Boonsboro after a DUI

Boonsboro car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Boonsboro after Speeding ticket

Car Insurance Price Trends in Boonsboro, Maryland

Average Car Insurance Cost in Boonsboro by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Boonsboro, MD

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

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