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Finding the cheapest car insurance quotes in Churchville 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.
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 Churchville
The car insurance rate in Churchville is $986 for a six-month policy, which is $30 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $721, making it a popular choice for budget-conscious drivers. Rates in Churchville 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.
At $721 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $778 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 $795
for six months, making it
the third cheapest auto insurance company in Churchville.
Churchville Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Churchville, MD is Kemper, offering policies at just $721 for a six-month term. This is followed by USAA, which has an average six-month premium of $778.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1844 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Churchville drivers find the best deals.
Way's key takeaways about car insurance in Churchville
The auto insurance costs in Churchville fall around $721 for six
months.
The cheapest auto insurance company in Churchville is USAA.
Teen drivers pay the highest rate in Churchville at $1295 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 Churchville
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 Churchville are given below.
USAA provides
the cheapest minimum car insurance
coverage in Churchville. Their Average 6 Month Premium is $288.
Allstate is the most
expensive at $1009 for the same
period.
Cheapest Full Coverage Car Insurance in Churchville
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 Churchville is Kemper
at $122 per month and $721
for six months.
Cheapest Full Coverage Car Insurance Quotes in Churchville,
MD
Get Your Car Insurance Quote in Churchville
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Average Car Insurance in Churchville 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 Churchville, MD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Churchville, 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, Churchville's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Churchville
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
$664
30s
Travelers
$566
40s
Travelers
$516
50s
Travelers
$488
60s
Travelers
$547
70s
USAA
$578
Cheapest Car Insurance Rates for Teen Drivers in
Churchville,MD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Churchville at $74
per
month. At $7692 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Churchville.
As young drivers face the highest rates in Churchville, Travelers
offers the cheapest auto insurance rates at $664 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 Churchville,
USAA is
the cheapest car insurance provider. At $911 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
Churchville is State Farm, offering
rates of around $3445 for six
months.
Save up to $971/yr on car insurance rates in Churchville.
Car Insurance Rates with An Accident in Churchville
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 Churchville, MD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Churchville
The cheapest car insurance companies after an at-fault accident in
Churchville include Erie
and USAA, offering $715
and $813,
respectively. Encompass is an expensive provider
with an average six-month premium of
$639.
Here is a list of driving violations that can increase your car
insurance rates in Churchville MD. For example, the car
insurance in Churchville
after a DUI increases to $1094 for a six
month policy. While the rate increases by $253 for a six-month policy in the case of
a speeding ticket.
Churchville auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1164
$194
One Med/PIP claim
$1204
$205
Not-at-fault accident
$1250
$209
One comp claim
$1256
$213
Two Med/PIP claims
$1279
$213
Failure to wear a seat belt
$1319
$224
Failure to show documents
$1354
$226
Child safety restraint
$1366
$232
Two comp claims
$1366
$228
Driving with expired registration
$1400
$238
Cell phone violation
$1417
$237
Driving too slowly
$1417
$241
Failure to stop at a red light
$1417
$237
Failure to yield
$1417
$241
Following too closely
$1417
$237
Illegal turn
$1417
$241
Improper passing
$1417
$237
Speeding 11 - 15 MPH over limit
$1417
$241
Speeding 16 - 20 MPH over limit
$1417
$237
Speeding 6 - 10 MPH over limit
$1417
$241
Texting while driving
$1417
$237
Wrong way/wrong lane
$1417
$241
Speeding in school zone
$1435
$240
At-fault accident - less than $1000
$1464
$249
Passing school bus
$1470
$244
Driving without lights
$1475
$251
Open container
$1481
$246
Operating a vehicle without permission
$1498
$255
Speeding 21 - 25 MPH over limit
$1550
$258
In 65 MPH zone
$1694
$288
At-fault accident - $1000-$2000
$1746
$291
At-fault accident - greater than $2000
$1746
$297
Reckless driving
$1993
$333
Racing
$2144
$365
Driving with a suspended license
$2178
$363
Refusal to submit to a chemical test
$2247
$382
DUI
$2258
$376
Leaving scene of an accident/hit and run
$2276
$387
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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 Churchville 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 Churchville.
The cheapest car insurance premiums in
Churchville are
offered by Erie at $611 for a six-month policy.
However, it can be as
expensive as $2512 with companies
like Nationwide.
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 Churchville are offered by State Farm
at $547. However,
it can be as expensive as $2351
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Churchville after Speeding ticket
Car Insurance Price Trends in Churchville,
Maryland
Car insurance rates in Churchville have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Churchville rose by
$207 in December
compared to $206 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 Churchville remained steady at $75 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Churchville by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Churchville. At $1971 for a
six-month policy, insuring
your car at 21028 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Churchville?
The car insurance in Churchville is $49 per month, which is lower than the national average.
What is the cheapest car insurance in Churchville?
The cheapest car insurance in Churchville
is $122 per month
for full coverage.
How much is car insurance in Churchville for teenagers?
Car insurance for teenagers costs $433 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
Churchville?
The average cost of car insurance is $1016 for a six-month
policy. It will cost around $166 per month to insure your
car in Churchville.
Is car insurance expensive in Churchville?
Car insurance can be expensive in Churchville if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Churchville can be
affordable.
What is the best car insurance in Churchville,
MD?
The best car insurance company in Churchville
MD is
Kemper, offering $721 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Churchville, MD
Car Insurance Rates by State in the USA (2025 Update)
Churchville Car Insurance
