Cheapest Car Insurance Quotes in Catonsville

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Catonsville Car Insurance

^$ 66

/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 Catonsville

The car insurance rate in Catonsville is $1331 for a six-month policy, which is $315 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $973, making it a popular choice for budget-conscious drivers. Rates in Catonsville 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 Catonsville

$1331

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Catonsville

1st place: Kemper

At $973 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1051 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 $1074 for six months, making it the third cheapest auto insurance company in Catonsville.

Catonsville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Catonsville, MD is Kemper, offering policies at just $973 for a six-month term. This is followed by USAA, which has an average six-month premium of $1051.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2490 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Catonsville drivers find the best deals.

Cheap Car Insurance Companies in Catonsville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$973	$165
USAA	$1051	$177
State Farm	$1074	$181
Travelers	$1074	$181
Nationwide	$1245	$210
Erie	$1284	$216
Progressive	$1463	$246
Allstate	$2490	$419

Key Takeaways

Way's key takeaways about car insurance in Catonsville

The auto insurance costs in Catonsville fall around $973 for six months.
The cheapest auto insurance company in Catonsville is USAA.
Teen drivers pay the highest rate in Catonsville at $1749 per month.

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

Cheapest Minimum Liability Car Insurance in Catonsville

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 Catonsville are given below.

USAA provides the cheapest minimum car insurance coverage in Catonsville. Their Average 6 Month Premium is $389. Allstate is the most expensive at $1362 for the same period.

Cheapest Liability Coverage in Catonsville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$389	$66
Travelers	$537	$90
State Farm	$545	$92
Kemper	$553	$92
Erie	$576	$97
Progressive	$677	$114
Nationwide	$701	$118
Allstate	$1362	$229

Cheapest Full Coverage Car Insurance in Catonsville

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 Catonsville is Kemper at $165 per month and $973 for six months.

Cheapest Full Coverage Car Insurance Quotes in Catonsville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$973	$165
USAA	$1051	$177
State Farm	$1074	$181
Travelers	$1074	$181
Nationwide	$1245	$210
Erie	$1284	$216
Progressive	$1463	$246
Allstate	$2490	$419

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Average Car Insurance in Catonsville 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 Catonsville, MD increasing?

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

Car Insurance Premiums by Age in Catonsville

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	$897
30s	Travelers	$765
40s	Travelers	$697
50s	Travelers	$659
60s	Travelers	$739
70s	USAA	$781

Cheapest Car Insurance Rates for Teen Drivers in Catonsville,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Catonsville at $100 per month. At $10388 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$584	$100
Erie	$1517	$255
Travelers	$1774	$299
USAA	$1898	$320
State Farm	$2575	$434
Progressive	$3276	$552
Nationwide	$4918	$828
Allstate	$10388	$1749

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 Catonsville.

As young drivers face the highest rates in Catonsville, Travelers offers the cheapest auto insurance rates at $897 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 Catonsville, USAA is the cheapest car insurance provider. At $1230 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 Catonsville is State Farm, offering rates of around $4653 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1230	$204
Progressive	$1268	$214
Nationwide	$1611	$271
Travelers	$2272	$386
Erie	$2668	$445
Allstate	$3634	$618
State Farm	$4653	$776

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Car Insurance Rates with An Accident in Catonsville

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

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

The cheapest car insurance companies after an at-fault accident in Catonsville include Erie and USAA, offering $965 and $1098, respectively. Encompass is an expensive provider with an average six-month premium of $863.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$965	$162
USAA	$1098	$185
Travelers	$1112	$187
State Farm	$1199	$202
Progressive	$1455	$245
Nationwide	$2023	$341
Allstate	$4544	$765
Encompass	$863	$144

Catonsville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Catonsville MD. For example, the car insurance in Catonsville after a DUI increases to $1478 for a six month policy. While the rate increases by $342 for a six-month policy in the case of a speeding ticket.

Catonsville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1572	$262
One Med/PIP claim	$1626	$276
Not-at-fault accident	$1689	$282
One comp claim	$1696	$288
Two Med/PIP claims	$1728	$288
Failure to wear a seat belt	$1782	$303
Failure to show documents	$1829	$305
Child safety restraint	$1844	$313
Two comp claims	$1844	$308
Driving with expired registration	$1890	$321
Cell phone violation	$1914	$320
Driving too slowly	$1914	$325
Failure to stop at a red light	$1914	$320
Failure to yield	$1914	$325
Following too closely	$1914	$320
Illegal turn	$1914	$325
Improper passing	$1914	$320
Speeding 11 - 15 MPH over limit	$1914	$325
Speeding 16 - 20 MPH over limit	$1914	$320
Speeding 6 - 10 MPH over limit	$1914	$325
Texting while driving	$1914	$320
Wrong way/wrong lane	$1914	$325
Speeding in school zone	$1937	$324
At-fault accident - less than $1000	$1977	$337
Passing school bus	$1985	$330
Driving without lights	$1993	$339
Open container	$2000	$333
Operating a vehicle without permission	$2023	$345
Speeding 21 - 25 MPH over limit	$2093	$348
In 65 MPH zone	$2287	$389
At-fault accident - $1000-$2000	$2358	$393
At-fault accident - greater than $2000	$2358	$401
Reckless driving	$2692	$449
Racing	$2895	$493
Driving with a suspended license	$2941	$490
Refusal to submit to a chemical test	$3035	$516
DUI	$3050	$508
Leaving scene of an accident/hit and run	$3073	$523

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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 Catonsville 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 Catonsville.

The cheapest car insurance premiums in Catonsville are offered by Erie at $825 for a six-month policy. However, it can be as expensive as $3393 with companies like Nationwide.

Catonsville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$825	$139
Travelers	$1207	$203
Progressive	$1572	$265
USAA	$1813	$305
State Farm	$2358	$397
Allstate	$2599	$438
Nationwide	$3393	$571

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 Catonsville are offered by State Farm at $739. However, it can be as expensive as $3175 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Catonsville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$739	$124
USAA	$841	$143
Erie	$980	$165
Progressive	$1136	$191
Travelers	$1556	$259
Nationwide	$2210	$376
Allstate	$3175	$529

Car Insurance Price Trends in Catonsville, Maryland

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

The average cost of full coverage in the Catonsville rose by $279 in December compared to $278 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 Catonsville remained steady at $101 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 Catonsville?

The car insurance in Catonsville is $66 per month, which is lower than the national average.

What is the cheapest car insurance in Catonsville?

The cheapest car insurance in Catonsville is $165 per month for full coverage.

How much is car insurance in Catonsville for teenagers?

Car insurance for teenagers costs $584 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 Catonsville?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $224 per month to insure your car in Catonsville.

Is car insurance expensive in Catonsville?

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

Cheapest Car Insurance Quotes in Catonsville

Why you can trust Way?

How Much Is Car Insurance in Catonsville

Avg. Car Insurance in Catonsville

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Catonsville

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Catonsville Car Insurance Rates by Company

Cheap Car Insurance Companies in Catonsville, MD

Way's key takeaways about car insurance in Catonsville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Catonsville

Cheapest Liability Coverage in Catonsville, MD

Cheapest Full Coverage Car Insurance in Catonsville

Cheapest Full Coverage Car Insurance Quotes in Catonsville, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Catonsville by Rating Factor

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

Car Insurance Premiums by Age in Catonsville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Catonsville,MD

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

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 Catonsville

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

Catonsville Car Insurance Rates by Violation

Catonsville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Catonsville after a DUI

Catonsville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Catonsville after Speeding ticket

Car Insurance Price Trends in Catonsville, Maryland

Average Car Insurance Cost in Catonsville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Catonsville, MD

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

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