Cheapest Car Insurance Quotes in Capitol Heights

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Capitol Heights Car Insurance

^$ 71

/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 Capitol Heights

The car insurance rate in Capitol Heights is $1686 for a six-month policy, which is $482 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1040, making it a popular choice for budget-conscious drivers. Rates in Capitol 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 Capitol Heights

$1686

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Capitol Heights

1st place: Kemper

At $1040 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1148 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1197 for six months, making it the third cheapest auto insurance company in Capitol Heights.

Capitol Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Capitol Heights, MD is Kemper, offering policies at just $1040 for a six-month term. This is followed by USAA, which has an average six-month premium of $1148.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $3352 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Capitol Heights drivers find the best deals.

Cheap Car Insurance Companies in Capitol Heights, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1040	$176
USAA	$1148	$193
Travelers	$1197	$202
State Farm	$1322	$223
Erie	$1431	$241
Nationwide	$1439	$242
Progressive	$1705	$287
Allstate	$2537	$423
Maryland Auto	$3352	$570

Key Takeaways

Way's key takeaways about car insurance in Capitol Heights

The auto insurance costs in Capitol Heights fall around $1040 for six months.
The cheapest auto insurance company in Capitol Heights is USAA.
Teen drivers pay the highest rate in Capitol Heights at $1735 per month.

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Cheapest Minimum Liability Car Insurance in Capitol 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 Capitol Heights are given below.

USAA provides the cheapest minimum car insurance coverage in Capitol Heights. Their Average 6 Month Premium is $424. Allstate is the most expensive at $1330 for the same period.

Cheapest Liability Coverage in Capitol Heights, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$424	$71
Travelers	$566	$95
Kemper	$591	$98
Erie	$624	$105
State Farm	$631	$106
Nationwide	$790	$133
Progressive	$815	$137
Maryland Auto	$1165	$197
Allstate	$1330	$221

Cheapest Full Coverage Car Insurance in Capitol 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 Capitol Heights is Kemper at $176 per month and $1040 for six months.

Cheapest Full Coverage Car Insurance Quotes in Capitol Heights, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1040	$176
USAA	$1148	$193
Travelers	$1197	$202
State Farm	$1322	$223
Erie	$1431	$241
Nationwide	$1439	$242
Progressive	$1705	$287
Allstate	$2537	$423
Maryland Auto	$3352	$570

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Average Car Insurance in Capitol 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 Capitol Heights, MD increasing?

Despite maintaining a clean driving record, your car insurance rates in Capitol 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, Capitol 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 Capitol 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

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

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Capitol Heights at $104 per month. At $10412 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$624	$104
Erie	$1946	$328
Travelers	$2071	$349
USAA	$2121	$357
State Farm	$3160	$532
Progressive	$3717	$626
Maryland Auto	$5671	$945
Nationwide	$6203	$1044
Allstate	$10412	$1735

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 Capitol Heights, USAA is the cheapest car insurance provider. At $1497 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 Capitol Heights is Allstate, offering rates of around $3884 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1497	$249
Progressive	$1672	$281
Nationwide	$2178	$367
Travelers	$2811	$477
Maryland Auto	$3352	$559
Erie	$3535	$601
State Farm	$7676	$1280
Allstate	$3884	$661

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Car Insurance Rates with An Accident in Capitol 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 Capitol Heights, MD, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Capitol Heights include Erie and USAA, offering $1189 and $1214, respectively. Allstate is an expensive provider with an average six-month premium of $4582.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1189	$200
USAA	$1214	$204
Travelers	$1281	$216
State Farm	$1439	$242
Progressive	$1714	$288
Nationwide	$2503	$421
Maryland Auto	$4382	$731
Allstate	$4582	$780

Capitol Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Capitol Heights MD. For example, the car insurance in Capitol Heights after a DUI increases to $1579 for a six month policy. While the rate increases by $365 for a six-month policy in the case of a speeding ticket.

Capitol Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1680	$280
One Med/PIP claim	$1737	$295
Not-at-fault accident	$1805	$301
One comp claim	$1813	$308
Two Med/PIP claims	$1847	$308
Failure to wear a seat belt	$1904	$323
Failure to show documents	$1954	$326
Child safety restraint	$1971	$335
Two comp claims	$1971	$329
Driving with expired registration	$2020	$343
Cell phone violation	$2045	$342
Driving too slowly	$2045	$347
Failure to stop at a red light	$2045	$342
Failure to yield	$2045	$347
Following too closely	$2045	$342
Illegal turn	$2045	$347
Improper passing	$2045	$342
Speeding 11 - 15 MPH over limit	$2045	$347
Speeding 16 - 20 MPH over limit	$2045	$342
Speeding 6 - 10 MPH over limit	$2045	$347
Texting while driving	$2045	$342
Wrong way/wrong lane	$2045	$347
Speeding in school zone	$2071	$346
At-fault accident - less than $1000	$2113	$360
Passing school bus	$2121	$353
Driving without lights	$2129	$363
Open container	$2138	$356
Operating a vehicle without permission	$2162	$368
Speeding 21 - 25 MPH over limit	$2237	$372
In 65 MPH zone	$2444	$416
At-fault accident - $1000-$2000	$2520	$420
At-fault accident - greater than $2000	$2520	$428
Reckless driving	$2877	$480
Racing	$3094	$526
Driving with a suspended license	$3143	$524
Refusal to submit to a chemical test	$3244	$552
DUI	$3259	$543
Leaving scene of an accident/hit and run	$3284	$559

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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 Capitol 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 Capitol Heights.

The cheapest car insurance premiums in Capitol Heights are offered by Erie at $998 for a six-month policy. However, it can be as expensive as $4931 with companies like Maryland Auto.

Capitol Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$998	$168
Travelers	$1372	$231
Progressive	$1847	$311
USAA	$2020	$340
Allstate	$2653	$442
State Farm	$3160	$532
Nationwide	$4325	$728
Maryland Auto	$4931	$839

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 Capitol Heights are offered by USAA at $1023. However, it can be as expensive as $3394 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Capitol Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1023	$174
State Farm	$1072	$181
Erie	$1222	$206
Progressive	$1488	$251
Travelers	$1980	$336
Nationwide	$3185	$531
Maryland Auto	$3352	$570
Allstate	$3394	$566

Car Insurance Price Trends in Capitol Heights, Maryland

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

The average cost of full coverage in the Capitol Heights rose by $315 in January compared to $298 of December. In other words, there has been an increase by $17 when you compare January and December.

The average cost of liability insurance in the Capitol Heights rose to $109 in January, compared to $108 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 Capitol Heights?

The car insurance in Capitol Heights is $71 per month, which is lower than the national average.

What is the cheapest car insurance in Capitol Heights?

The cheapest car insurance in Capitol Heights is $176 per month for full coverage.

How much is car insurance in Capitol Heights for teenagers?

Car insurance for teenagers costs $624 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 Capitol Heights?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $283 per month to insure your car in Capitol Heights.

Is car insurance expensive in Capitol Heights?

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

Cheapest Car Insurance Quotes in Capitol Heights

Why you can trust Way?

How Much Is Car Insurance in Capitol Heights

Avg. Car Insurance in Capitol Heights

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Capitol Heights

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Capitol Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Capitol Heights, MD

Way's key takeaways about car insurance in Capitol Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Capitol Heights

Cheapest Liability Coverage in Capitol Heights, MD

Cheapest Full Coverage Car Insurance in Capitol Heights

Cheapest Full Coverage Car Insurance Quotes in Capitol Heights, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Capitol Heights by Rating Factor

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

Car Insurance Premiums by Age in Capitol Heights

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Capitol Heights Car Insurance Rates by Violation

Capitol Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Capitol Heights after a DUI

Capitol Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Capitol Heights after Speeding ticket

Car Insurance Price Trends in Capitol Heights, Maryland

Average Car Insurance Cost in Capitol Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Capitol Heights, MD

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

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