Cheapest Car Insurance Quotes in Cedarville

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Cedarville Car Insurance

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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 Cedarville

The car insurance rate in Cedarville is $1493 for a six-month policy, which is $289 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 Cedarville 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 Cedarville

$1493

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Cedarville

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 $1017 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1060 for six months, making it the third cheapest auto insurance company in Cedarville.

Cedarville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cedarville, 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 $1017.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2969 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cedarville drivers find the best deals.

Cheap Car Insurance Companies in Cedarville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$921	$156
USAA	$1017	$171
Travelers	$1060	$179
State Farm	$1171	$197
Erie	$1267	$213
Nationwide	$1275	$215
Progressive	$1510	$254
Allstate	$2247	$374
Maryland Auto	$2969	$505

Key Takeaways

Way's key takeaways about car insurance in Cedarville

The auto insurance costs in Cedarville fall around $921 for six months.
The cheapest auto insurance company in Cedarville is USAA.
Teen drivers pay the highest rate in Cedarville at $1536 per month.

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Cheapest Minimum Liability Car Insurance in Cedarville

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 Cedarville are given below.

USAA provides the cheapest minimum car insurance coverage in Cedarville. Their Average 6 Month Premium is $376. Allstate is the most expensive at $1178 for the same period.

Cheapest Liability Coverage in Cedarville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$376	$63
Travelers	$501	$84
Kemper	$523	$87
Erie	$553	$93
State Farm	$559	$94
Nationwide	$699	$118
Progressive	$722	$122
Maryland Auto	$1032	$175
Allstate	$1178	$196

Cheapest Full Coverage Car Insurance in Cedarville

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

Cheapest Full Coverage Car Insurance Quotes in Cedarville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$921	$156
USAA	$1017	$171
Travelers	$1060	$179
State Farm	$1171	$197
Erie	$1267	$213
Nationwide	$1275	$215
Progressive	$1510	$254
Allstate	$2247	$374
Maryland Auto	$2969	$505

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Average Car Insurance in Cedarville 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 Cedarville, MD increasing?

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

Car Insurance Premiums by Age in Cedarville

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 Cedarville,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Cedarville at $92 per month. At $9222 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$553	$92
Erie	$1724	$290
Travelers	$1834	$309
USAA	$1879	$316
State Farm	$2799	$471
Progressive	$3292	$554
Maryland Auto	$5023	$837
Nationwide	$5494	$925
Allstate	$9222	$1536

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 Cedarville, USAA is the cheapest car insurance provider. At $1326 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 Cedarville is Allstate, offering rates of around $3440 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1326	$221
Progressive	$1481	$249
Nationwide	$1929	$325
Travelers	$2490	$423
Maryland Auto	$2969	$495
Erie	$3131	$532
State Farm	$6799	$1133
Allstate	$3440	$585

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Car Insurance Rates with An Accident in Cedarville

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

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

The cheapest car insurance companies after an at-fault accident in Cedarville include Erie and USAA, offering $1053 and $1075, respectively. Allstate is an expensive provider with an average six-month premium of $4059.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1053	$177
USAA	$1075	$181
Travelers	$1135	$191
State Farm	$1275	$215
Progressive	$1518	$255
Nationwide	$2217	$373
Maryland Auto	$3881	$647
Allstate	$4059	$691

Cedarville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cedarville MD. For example, the car insurance in Cedarville 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.

Cedarville 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 Cedarville 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 Cedarville.

The cheapest car insurance premiums in Cedarville are offered by Erie at $884 for a six-month policy. However, it can be as expensive as $4367 with companies like Maryland Auto.

Cedarville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$884	$149
Travelers	$1215	$205
Progressive	$1636	$275
USAA	$1789	$301
Allstate	$2350	$392
State Farm	$2799	$471
Nationwide	$3830	$645
Maryland Auto	$4367	$743

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 Cedarville are offered by USAA at $906. However, it can be as expensive as $3006 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cedarville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$906	$154
State Farm	$950	$160
Erie	$1083	$182
Progressive	$1318	$222
Travelers	$1753	$298
Nationwide	$2821	$470
Maryland Auto	$2969	$505
Allstate	$3006	$501

Car Insurance Price Trends in Cedarville, Maryland

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

The average cost of full coverage in the Cedarville rose by $279 in January compared to $264 of December. In other words, there has been an increase by $15 when you compare January and December.

The average cost of liability insurance in the Cedarville rose to $97 in January, compared to $95 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Cedarville?

The car insurance in Cedarville is $63 per month, which is lower than the national average.

What is the cheapest car insurance in Cedarville?

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

How much is car insurance in Cedarville 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 Cedarville?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $250 per month to insure your car in Cedarville.

Is car insurance expensive in Cedarville?

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

Cheapest Car Insurance Quotes in Cedarville

Why you can trust Way?

How Much Is Car Insurance in Cedarville

Avg. Car Insurance in Cedarville

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Cedarville

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Cedarville Car Insurance Rates by Company

Cheap Car Insurance Companies in Cedarville, MD

Way's key takeaways about car insurance in Cedarville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cedarville

Cheapest Liability Coverage in Cedarville, MD

Cheapest Full Coverage Car Insurance in Cedarville

Cheapest Full Coverage Car Insurance Quotes in Cedarville, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cedarville by Rating Factor

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

Car Insurance Premiums by Age in Cedarville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cedarville,MD

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

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 Cedarville

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

Cedarville Car Insurance Rates by Violation

Cedarville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cedarville after a DUI

Cedarville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cedarville after Speeding ticket

Car Insurance Price Trends in Cedarville, Maryland

Average Car Insurance Cost in Cedarville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cedarville, MD

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

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