Cheapest Car Insurance Quotes in Callaway

Finding the cheapest car insurance quotes in Callaway shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Callaway Car Insurance

^$ 45

/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 Callaway

The car insurance rate in Callaway is $904 for a six-month policy, which is $112 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $661, making it a popular choice for budget-conscious drivers. Rates in Callaway 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 Callaway

$904

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Callaway

1st place: Kemper

At $661 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $714 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 $730 for six months, making it the third cheapest auto insurance company in Callaway.

Callaway Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Callaway, MD is Kemper, offering policies at just $661 for a six-month term. This is followed by USAA, which has an average six-month premium of $714.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1692 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Callaway drivers find the best deals.

Cheap Car Insurance Companies in Callaway, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$661	$112
USAA	$714	$120
State Farm	$730	$123
Travelers	$730	$123
Nationwide	$846	$142
Erie	$872	$147
Progressive	$994	$167
Allstate	$1692	$285

Key Takeaways

Way's key takeaways about car insurance in Callaway

The auto insurance costs in Callaway fall around $661 for six months.
The cheapest auto insurance company in Callaway is USAA.
Teen drivers pay the highest rate in Callaway at $1188 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 Callaway

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 Callaway are given below.

USAA provides the cheapest minimum car insurance coverage in Callaway. Their Average 6 Month Premium is $264. Allstate is the most expensive at $926 for the same period.

Cheapest Liability Coverage in Callaway, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$264	$45
Travelers	$365	$61
State Farm	$370	$62
Kemper	$376	$62
Erie	$392	$66
Progressive	$460	$77
Nationwide	$476	$80
Allstate	$926	$156

Cheapest Full Coverage Car Insurance in Callaway

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 Callaway is Kemper at $112 per month and $661 for six months.

Cheapest Full Coverage Car Insurance Quotes in Callaway, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$661	$112
USAA	$714	$120
State Farm	$730	$123
Travelers	$730	$123
Nationwide	$846	$142
Erie	$872	$147
Progressive	$994	$167
Allstate	$1692	$285

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Callaway Instantly!

Average Car Insurance in Callaway 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 Callaway, MD increasing?

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

Car Insurance Premiums by Age in Callaway

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	$610
30s	Travelers	$520
40s	Travelers	$473
50s	Travelers	$448
60s	Travelers	$502
70s	USAA	$530

Cheapest Car Insurance Rates for Teen Drivers in Callaway,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Callaway at $68 per month. At $7058 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$397	$68
Erie	$1031	$174
Travelers	$1205	$203
USAA	$1290	$217
State Farm	$1750	$295
Progressive	$2226	$375
Nationwide	$3341	$562
Allstate	$7058	$1188

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 Callaway.

As young drivers face the highest rates in Callaway, Travelers offers the cheapest auto insurance rates at $610 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 Callaway, USAA is the cheapest car insurance provider. At $836 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 Callaway is State Farm, offering rates of around $3161 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$836	$139
Progressive	$862	$145
Nationwide	$1095	$184
Travelers	$1543	$263
Erie	$1813	$303
Allstate	$2469	$420
State Farm	$3161	$527

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Callaway

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

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

The cheapest car insurance companies after an at-fault accident in Callaway include Erie and USAA, offering $656 and $746, respectively. Encompass is an expensive provider with an average six-month premium of $587.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$656	$110
USAA	$746	$125
Travelers	$756	$127
State Farm	$814	$137
Progressive	$989	$166
Nationwide	$1374	$231
Allstate	$3087	$520
Encompass	$587	$98

Callaway Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Callaway MD. For example, the car insurance in Callaway after a DUI increases to $1004 for a six month policy. While the rate increases by $232 for a six-month policy in the case of a speeding ticket.

Callaway auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1068	$178
One Med/PIP claim	$1104	$188
Not-at-fault accident	$1147	$191
One comp claim	$1153	$196
Two Med/PIP claims	$1174	$196
Failure to wear a seat belt	$1210	$206
Failure to show documents	$1242	$207
Child safety restraint	$1253	$213
Two comp claims	$1253	$209
Driving with expired registration	$1284	$218
Cell phone violation	$1300	$217
Driving too slowly	$1300	$221
Failure to stop at a red light	$1300	$217
Failure to yield	$1300	$221
Following too closely	$1300	$217
Illegal turn	$1300	$221
Improper passing	$1300	$217
Speeding 11 - 15 MPH over limit	$1300	$221
Speeding 16 - 20 MPH over limit	$1300	$217
Speeding 6 - 10 MPH over limit	$1300	$221
Texting while driving	$1300	$217
Wrong way/wrong lane	$1300	$221
Speeding in school zone	$1316	$220
At-fault accident - less than $1000	$1343	$229
Passing school bus	$1348	$224
Driving without lights	$1354	$231
Open container	$1359	$226
Operating a vehicle without permission	$1374	$234
Speeding 21 - 25 MPH over limit	$1422	$237
In 65 MPH zone	$1554	$264
At-fault accident - $1000-$2000	$1602	$267
At-fault accident - greater than $2000	$1602	$272
Reckless driving	$1829	$305
Racing	$1967	$335
Driving with a suspended license	$1998	$333
Refusal to submit to a chemical test	$2062	$351
DUI	$2072	$345
Leaving scene of an accident/hit and run	$2088	$355

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Callaway 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 Callaway.

The cheapest car insurance premiums in Callaway are offered by Erie at $561 for a six-month policy. However, it can be as expensive as $2305 with companies like Nationwide.

Callaway car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$561	$94
Travelers	$820	$138
Progressive	$1068	$180
USAA	$1232	$207
State Farm	$1602	$270
Allstate	$1766	$297
Nationwide	$2305	$388

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 Callaway are offered by State Farm at $502. However, it can be as expensive as $2157 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Callaway after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$502	$85
USAA	$571	$97
Erie	$666	$112
Progressive	$772	$130
Travelers	$1057	$176
Nationwide	$1501	$255
Allstate	$2157	$360

Car Insurance Price Trends in Callaway, Maryland

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

The average cost of full coverage in the Callaway rose by $190 in December compared to $189 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 Callaway remained steady at $69 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Callaway?

The car insurance in Callaway is $45 per month, which is lower than the national average.

What is the cheapest car insurance in Callaway?

The cheapest car insurance in Callaway is $112 per month for full coverage.

How much is car insurance in Callaway for teenagers?

Car insurance for teenagers costs $397 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 Callaway?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $152 per month to insure your car in Callaway.

Is car insurance expensive in Callaway?

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

Cheapest Car Insurance Quotes in Callaway

Why you can trust Way?

How Much Is Car Insurance in Callaway

Avg. Car Insurance in Callaway

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Callaway

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Callaway Car Insurance Rates by Company

Cheap Car Insurance Companies in Callaway, MD

Way's key takeaways about car insurance in Callaway

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Callaway

Cheapest Liability Coverage in Callaway, MD

Cheapest Full Coverage Car Insurance in Callaway

Cheapest Full Coverage Car Insurance Quotes in Callaway, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Callaway by Rating Factor

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

Car Insurance Premiums by Age in Callaway

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Callaway,MD

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

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 Callaway

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

Callaway Car Insurance Rates by Violation

Callaway auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Callaway after a DUI

Callaway car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Callaway after Speeding ticket

Car Insurance Price Trends in Callaway, Maryland

Average Car Insurance Cost in Callaway by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Callaway, MD

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

Featured Blogs

Data Sources