Cheapest Car Insurance Quotes in Bowleys Quarters

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Bowleys Quarters Car Insurance

^$ 62

/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 Bowleys Quarters

The car insurance rate in Bowleys Quarters is $1260 for a six-month policy, which is $244 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $921, making it a popular choice for budget-conscious drivers. Rates in Bowleys Quarters 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 Bowleys Quarters

$1260

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Bowleys Quarters

1st place: Kemper

At $921 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $994 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 $1017 for six months, making it the third cheapest auto insurance company in Bowleys Quarters.

Bowleys Quarters Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bowleys Quarters, MD is Kemper, offering policies at just $921 for a six-month term. This is followed by USAA, which has an average six-month premium of $994.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2357 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bowleys Quarters drivers find the best deals.

Cheap Car Insurance Companies in Bowleys Quarters, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$921	$156
USAA	$994	$167
State Farm	$1017	$171
Travelers	$1017	$171
Nationwide	$1178	$198
Erie	$1215	$205
Progressive	$1385	$233
Allstate	$2357	$397

Key Takeaways

Way's key takeaways about car insurance in Bowleys Quarters

The auto insurance costs in Bowleys Quarters fall around $921 for six months.
The cheapest auto insurance company in Bowleys Quarters is USAA.
Teen drivers pay the highest rate in Bowleys Quarters at $1655 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Bowleys Quarters

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 Bowleys Quarters are given below.

USAA provides the cheapest minimum car insurance coverage in Bowleys Quarters. Their Average 6 Month Premium is $368. Allstate is the most expensive at $1290 for the same period.

Cheapest Liability Coverage in Bowleys Quarters, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$368	$62
Travelers	$508	$86
State Farm	$516	$87
Kemper	$523	$87
Erie	$546	$92
Progressive	$641	$108
Nationwide	$663	$112
Allstate	$1290	$217

Cheapest Full Coverage Car Insurance in Bowleys Quarters

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 Bowleys Quarters is Kemper at $156 per month and $921 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bowleys Quarters, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$921	$156
USAA	$994	$167
State Farm	$1017	$171
Travelers	$1017	$171
Nationwide	$1178	$198
Erie	$1215	$205
Progressive	$1385	$233
Allstate	$2357	$397

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Average Car Insurance in Bowleys Quarters 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 Bowleys Quarters, MD increasing?

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

Car Insurance Premiums by Age in Bowleys Quarters

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	$849
30s	Travelers	$724
40s	Travelers	$660
50s	Travelers	$624
60s	Travelers	$699
70s	USAA	$739

Cheapest Car Insurance Rates for Teen Drivers in Bowleys Quarters,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Bowleys Quarters at $94 per month. At $9833 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$553	$94
Erie	$1436	$242
Travelers	$1679	$283
USAA	$1797	$303
State Farm	$2438	$410
Progressive	$3101	$522
Nationwide	$4655	$784
Allstate	$9833	$1655

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 Bowleys Quarters.

As young drivers face the highest rates in Bowleys Quarters, Travelers offers the cheapest auto insurance rates at $849 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 Bowleys Quarters, USAA is the cheapest car insurance provider. At $1164 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 Bowleys Quarters is State Farm, offering rates of around $4404 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1164	$193
Progressive	$1200	$202
Nationwide	$1525	$257
Travelers	$2150	$366
Erie	$2526	$422
Allstate	$3440	$585
State Farm	$4404	$734

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Save up to $971/yr on car insurance rates in Bowleys Quarters.

Car Insurance Rates with An Accident in Bowleys Quarters

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

Cheapest Car Insurance Companies after an At-Fault Accident in Bowleys Quarters

The cheapest car insurance companies after an at-fault accident in Bowleys Quarters include Erie and USAA, offering $914 and $1039, respectively. Encompass is an expensive provider with an average six-month premium of $817.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$914	$154
USAA	$1039	$175
Travelers	$1053	$177
State Farm	$1135	$191
Progressive	$1378	$232
Nationwide	$1915	$322
Allstate	$4302	$724
Encompass	$817	$136

Bowleys Quarters Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bowleys Quarters MD. For example, the car insurance in Bowleys Quarters after a DUI increases to $1399 for a six month policy. While the rate increases by $324 for a six-month policy in the case of a speeding ticket.

Bowleys Quarters auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1488	$248
One Med/PIP claim	$1539	$262
Not-at-fault accident	$1598	$267
One comp claim	$1606	$273
Two Med/PIP claims	$1636	$273
Failure to wear a seat belt	$1686	$286
Failure to show documents	$1731	$289
Child safety restraint	$1746	$296
Two comp claims	$1746	$291
Driving with expired registration	$1789	$304
Cell phone violation	$1812	$303
Driving too slowly	$1812	$308
Failure to stop at a red light	$1812	$303
Failure to yield	$1812	$308
Following too closely	$1812	$303
Illegal turn	$1812	$308
Improper passing	$1812	$303
Speeding 11 - 15 MPH over limit	$1812	$308
Speeding 16 - 20 MPH over limit	$1812	$303
Speeding 6 - 10 MPH over limit	$1812	$308
Texting while driving	$1812	$303
Wrong way/wrong lane	$1812	$308
Speeding in school zone	$1834	$306
At-fault accident - less than $1000	$1871	$319
Passing school bus	$1879	$312
Driving without lights	$1886	$321
Open container	$1893	$315
Operating a vehicle without permission	$1915	$326
Speeding 21 - 25 MPH over limit	$1982	$330
In 65 MPH zone	$2165	$368
At-fault accident - $1000-$2000	$2232	$372
At-fault accident - greater than $2000	$2232	$379
Reckless driving	$2548	$425
Racing	$2740	$466
Driving with a suspended license	$2784	$464
Refusal to submit to a chemical test	$2873	$489
DUI	$2887	$481
Leaving scene of an accident/hit and run	$2909	$495

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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 Bowleys Quarters 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 Bowleys Quarters.

The cheapest car insurance premiums in Bowleys Quarters are offered by Erie at $781 for a six-month policy. However, it can be as expensive as $3212 with companies like Nationwide.

Bowleys Quarters car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$781	$131
Travelers	$1142	$192
Progressive	$1488	$250
USAA	$1716	$289
State Farm	$2232	$376
Allstate	$2460	$414
Nationwide	$3212	$541

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 Bowleys Quarters are offered by State Farm at $699. However, it can be as expensive as $3006 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Bowleys Quarters after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$699	$118
USAA	$796	$135
Erie	$928	$156
Progressive	$1075	$181
Travelers	$1473	$246
Nationwide	$2092	$356
Allstate	$3006	$501

Car Insurance Price Trends in Bowleys Quarters, Maryland

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

The average cost of full coverage in the Bowleys Quarters rose by $264 in December compared to $263 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 Bowleys Quarters remained steady at $95 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 Bowleys Quarters?

The car insurance in Bowleys Quarters is $62 per month, which is lower than the national average.

What is the cheapest car insurance in Bowleys Quarters?

The cheapest car insurance in Bowleys Quarters is $156 per month for full coverage.

How much is car insurance in Bowleys Quarters for teenagers?

Car insurance for teenagers costs $553 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 Bowleys Quarters?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $212 per month to insure your car in Bowleys Quarters.

Is car insurance expensive in Bowleys Quarters?

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

Cheapest Car Insurance Quotes in Bowleys Quarters

Why you can trust Way?

How Much Is Car Insurance in Bowleys Quarters

Avg. Car Insurance in Bowleys Quarters

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Bowleys Quarters

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Bowleys Quarters Car Insurance Rates by Company

Cheap Car Insurance Companies in Bowleys Quarters, MD

Way's key takeaways about car insurance in Bowleys Quarters

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bowleys Quarters

Cheapest Liability Coverage in Bowleys Quarters, MD

Cheapest Full Coverage Car Insurance in Bowleys Quarters

Cheapest Full Coverage Car Insurance Quotes in Bowleys Quarters, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bowleys Quarters by Rating Factor

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

Car Insurance Premiums by Age in Bowleys Quarters

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bowleys Quarters,MD

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

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 Bowleys Quarters

Cheapest Car Insurance Companies after an At-Fault Accident in Bowleys Quarters

Bowleys Quarters Car Insurance Rates by Violation

Bowleys Quarters auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bowleys Quarters after a DUI

Bowleys Quarters car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bowleys Quarters after Speeding ticket

Car Insurance Price Trends in Bowleys Quarters, Maryland

Average Car Insurance Cost in Bowleys Quarters by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bowleys Quarters, MD

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

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