Cheapest Car Insurance Quotes in Clear Spring

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Clear Spring Car Insurance

^$ 41

/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 Clear Spring

The car insurance rate in Clear Spring is $833 for a six-month policy, which is $183 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $609, making it a popular choice for budget-conscious drivers. Rates in Clear Spring 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 Clear Spring

$833

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Clear Spring

1st place: Kemper

At $609 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $658 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 $672 for six months, making it the third cheapest auto insurance company in Clear Spring.

Clear Spring Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Clear Spring, MD is Kemper, offering policies at just $609 for a six-month term. This is followed by USAA, which has an average six-month premium of $658.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1559 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Clear Spring drivers find the best deals.

Cheap Car Insurance Companies in Clear Spring, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$609	$103
USAA	$658	$111
State Farm	$672	$113
Travelers	$672	$113
Nationwide	$779	$131
Erie	$804	$135
Progressive	$916	$154
Allstate	$1559	$262

Key Takeaways

Way's key takeaways about car insurance in Clear Spring

The auto insurance costs in Clear Spring fall around $609 for six months.
The cheapest auto insurance company in Clear Spring is USAA.
Teen drivers pay the highest rate in Clear Spring at $1095 per month.

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Cheapest Minimum Liability Car Insurance in Clear Spring

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 Clear Spring are given below.

USAA provides the cheapest minimum car insurance coverage in Clear Spring. Their Average 6 Month Premium is $244. Allstate is the most expensive at $853 for the same period.

Cheapest Liability Coverage in Clear Spring, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$244	$41
Travelers	$336	$57
State Farm	$341	$57
Kemper	$346	$57
Erie	$361	$61
Progressive	$424	$71
Nationwide	$439	$74
Allstate	$853	$144

Cheapest Full Coverage Car Insurance in Clear Spring

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 Clear Spring is Kemper at $103 per month and $609 for six months.

Cheapest Full Coverage Car Insurance Quotes in Clear Spring, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$609	$103
USAA	$658	$111
State Farm	$672	$113
Travelers	$672	$113
Nationwide	$779	$131
Erie	$804	$135
Progressive	$916	$154
Allstate	$1559	$262

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Average Car Insurance in Clear Spring 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 Clear Spring, MD increasing?

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

Car Insurance Premiums by Age in Clear Spring

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	$562
30s	Travelers	$479
40s	Travelers	$436
50s	Travelers	$412
60s	Travelers	$462
70s	USAA	$489

Cheapest Car Insurance Rates for Teen Drivers in Clear Spring,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Clear Spring at $62 per month. At $6503 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$366	$62
Erie	$950	$160
Travelers	$1110	$187
USAA	$1188	$200
State Farm	$1612	$271
Progressive	$2051	$345
Nationwide	$3078	$518
Allstate	$6503	$1095

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 Clear Spring.

As young drivers face the highest rates in Clear Spring, Travelers offers the cheapest auto insurance rates at $562 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 Clear Spring, USAA is the cheapest car insurance provider. At $770 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 Clear Spring is State Farm, offering rates of around $2913 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$770	$128
Progressive	$794	$134
Nationwide	$1009	$170
Travelers	$1422	$242
Erie	$1670	$279
Allstate	$2275	$387
State Farm	$2913	$485

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Car Insurance Rates with An Accident in Clear Spring

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

Cheapest Car Insurance Companies after an At-Fault Accident in Clear Spring

The cheapest car insurance companies after an at-fault accident in Clear Spring include Erie and USAA, offering $604 and $687, respectively. Encompass is an expensive provider with an average six-month premium of $540.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$604	$102
USAA	$687	$116
Travelers	$696	$117
State Farm	$750	$126
Progressive	$911	$153
Nationwide	$1266	$213
Allstate	$2845	$479
Encompass	$540	$90

Clear Spring Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Clear Spring MD. For example, the car insurance in Clear Spring after a DUI increases to $925 for a six month policy. While the rate increases by $214 for a six-month policy in the case of a speeding ticket.

Clear Spring auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$984	$164
One Med/PIP claim	$1018	$173
Not-at-fault accident	$1057	$176
One comp claim	$1062	$180
Two Med/PIP claims	$1082	$180
Failure to wear a seat belt	$1115	$189
Failure to show documents	$1145	$191
Child safety restraint	$1155	$196
Two comp claims	$1155	$193
Driving with expired registration	$1183	$201
Cell phone violation	$1198	$200
Driving too slowly	$1198	$203
Failure to stop at a red light	$1198	$200
Failure to yield	$1198	$203
Following too closely	$1198	$200
Illegal turn	$1198	$203
Improper passing	$1198	$200
Speeding 11 - 15 MPH over limit	$1198	$203
Speeding 16 - 20 MPH over limit	$1198	$200
Speeding 6 - 10 MPH over limit	$1198	$203
Texting while driving	$1198	$200
Wrong way/wrong lane	$1198	$203
Speeding in school zone	$1213	$203
At-fault accident - less than $1000	$1237	$211
Passing school bus	$1242	$207
Driving without lights	$1247	$212
Open container	$1252	$208
Operating a vehicle without permission	$1266	$216
Speeding 21 - 25 MPH over limit	$1310	$218
In 65 MPH zone	$1432	$244
At-fault accident - $1000-$2000	$1476	$246
At-fault accident - greater than $2000	$1476	$251
Reckless driving	$1685	$281
Racing	$1812	$308
Driving with a suspended license	$1841	$307
Refusal to submit to a chemical test	$1900	$323
DUI	$1909	$318
Leaving scene of an accident/hit and run	$1924	$327

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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 Clear Spring 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 Clear Spring.

The cheapest car insurance premiums in Clear Spring are offered by Erie at $517 for a six-month policy. However, it can be as expensive as $2124 with companies like Nationwide.

Clear Spring car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$517	$87
Travelers	$755	$127
Progressive	$984	$166
USAA	$1135	$191
State Farm	$1476	$248
Allstate	$1627	$274
Nationwide	$2124	$358

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 Clear Spring are offered by State Farm at $462. However, it can be as expensive as $1988 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Clear Spring after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$462	$78
USAA	$526	$89
Erie	$613	$103
Progressive	$711	$120
Travelers	$974	$162
Nationwide	$1383	$235
Allstate	$1988	$331

Car Insurance Price Trends in Clear Spring, Maryland

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

The average cost of full coverage in the Clear Spring rose by $175 in December compared to $174 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 Clear Spring remained steady at $63 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 Clear Spring?

The car insurance in Clear Spring is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Clear Spring?

The cheapest car insurance in Clear Spring is $103 per month for full coverage.

How much is car insurance in Clear Spring for teenagers?

Car insurance for teenagers costs $366 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 Clear Spring?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $140 per month to insure your car in Clear Spring.

Is car insurance expensive in Clear Spring?

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

Cheapest Car Insurance Quotes in Clear Spring

Why you can trust Way?

How Much Is Car Insurance in Clear Spring

Avg. Car Insurance in Clear Spring

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Clear Spring

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Clear Spring Car Insurance Rates by Company

Cheap Car Insurance Companies in Clear Spring, MD

Way's key takeaways about car insurance in Clear Spring

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Clear Spring

Cheapest Liability Coverage in Clear Spring, MD

Cheapest Full Coverage Car Insurance in Clear Spring

Cheapest Full Coverage Car Insurance Quotes in Clear Spring, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Clear Spring by Rating Factor

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

Car Insurance Premiums by Age in Clear Spring

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Clear Spring,MD

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

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 Clear Spring

Cheapest Car Insurance Companies after an At-Fault Accident in Clear Spring

Clear Spring Car Insurance Rates by Violation

Clear Spring auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Clear Spring after a DUI

Clear Spring car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Clear Spring after Speeding ticket

Car Insurance Price Trends in Clear Spring, Maryland

Average Car Insurance Cost in Clear Spring by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Clear Spring, MD

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

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