Cheapest Car Insurance Quotes in Colesville

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Colesville Car Insurance

^$ 60

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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 Colesville

The car insurance rate in Colesville is $1409 for a six-month policy, which is $205 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $869, making it a popular choice for budget-conscious drivers. Rates in Colesville 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 Colesville

$1409

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Colesville

1st place: Kemper

At $869 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $959 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1000 for six months, making it the third cheapest auto insurance company in Colesville.

Colesville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Colesville, MD is Kemper, offering policies at just $869 for a six-month term. This is followed by USAA, which has an average six-month premium of $959.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2801 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Colesville drivers find the best deals.

Cheap Car Insurance Companies in Colesville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$869	$147
USAA	$959	$161
Travelers	$1000	$168
State Farm	$1104	$186
Erie	$1196	$201
Nationwide	$1203	$202
Progressive	$1425	$240
Allstate	$2120	$353
Maryland Auto	$2801	$476

Key Takeaways

Way's key takeaways about car insurance in Colesville

The auto insurance costs in Colesville fall around $869 for six months.
The cheapest auto insurance company in Colesville is USAA.
Teen drivers pay the highest rate in Colesville at $1450 per month.

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Cheapest Minimum Liability Car Insurance in Colesville

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 Colesville are given below.

USAA provides the cheapest minimum car insurance coverage in Colesville. Their Average 6 Month Premium is $355. Allstate is the most expensive at $1112 for the same period.

Cheapest Liability Coverage in Colesville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$355	$60
Travelers	$473	$80
Kemper	$494	$82
Erie	$522	$88
State Farm	$528	$89
Nationwide	$660	$111
Progressive	$681	$115
Maryland Auto	$973	$165
Allstate	$1112	$185

Cheapest Full Coverage Car Insurance in Colesville

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 Colesville is Kemper at $147 per month and $869 for six months.

Cheapest Full Coverage Car Insurance Quotes in Colesville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$869	$147
USAA	$959	$161
Travelers	$1000	$168
State Farm	$1104	$186
Erie	$1196	$201
Nationwide	$1203	$202
Progressive	$1425	$240
Allstate	$2120	$353
Maryland Auto	$2801	$476

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Average Car Insurance in Colesville 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 Colesville, MD increasing?

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

Car Insurance Premiums by Age in Colesville

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 Colesville,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Colesville at $87 per month. At $8701 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$522	$87
Erie	$1626	$274
Travelers	$1730	$291
USAA	$1773	$298
State Farm	$2641	$445
Progressive	$3106	$523
Maryland Auto	$4740	$790
Nationwide	$5184	$873
Allstate	$8701	$1450

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 Colesville, USAA is the cheapest car insurance provider. At $1251 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 Colesville is Allstate, offering rates of around $3246 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1251	$208
Progressive	$1397	$235
Nationwide	$1821	$307
Travelers	$2349	$399
Maryland Auto	$2801	$467
Erie	$2954	$502
State Farm	$6415	$1069
Allstate	$3246	$552

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Car Insurance Rates with An Accident in Colesville

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

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

The cheapest car insurance companies after an at-fault accident in Colesville include Erie and USAA, offering $993 and $1014, respectively. Allstate is an expensive provider with an average six-month premium of $3829.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$993	$167
USAA	$1014	$171
Travelers	$1071	$180
State Farm	$1203	$202
Progressive	$1432	$241
Nationwide	$2092	$352
Maryland Auto	$3662	$611
Allstate	$3829	$652

Colesville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Colesville MD. For example, the car insurance in Colesville after a DUI increases to $1320 for a six month policy. While the rate increases by $305 for a six-month policy in the case of a speeding ticket.

Colesville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1404	$234
One Med/PIP claim	$1452	$247
Not-at-fault accident	$1508	$252
One comp claim	$1515	$257
Two Med/PIP claims	$1543	$257
Failure to wear a seat belt	$1591	$270
Failure to show documents	$1633	$273
Child safety restraint	$1647	$280
Two comp claims	$1647	$275
Driving with expired registration	$1688	$287
Cell phone violation	$1709	$285
Driving too slowly	$1709	$290
Failure to stop at a red light	$1709	$285
Failure to yield	$1709	$290
Following too closely	$1709	$285
Illegal turn	$1709	$290
Improper passing	$1709	$285
Speeding 11 - 15 MPH over limit	$1709	$290
Speeding 16 - 20 MPH over limit	$1709	$285
Speeding 6 - 10 MPH over limit	$1709	$290
Texting while driving	$1709	$285
Wrong way/wrong lane	$1709	$290
Speeding in school zone	$1730	$289
At-fault accident - less than $1000	$1766	$301
Passing school bus	$1773	$295
Driving without lights	$1780	$303
Open container	$1787	$297
Operating a vehicle without permission	$1806	$308
Speeding 21 - 25 MPH over limit	$1870	$311
In 65 MPH zone	$2043	$347
At-fault accident - $1000-$2000	$2106	$351
At-fault accident - greater than $2000	$2106	$358
Reckless driving	$2404	$401
Racing	$2586	$440
Driving with a suspended license	$2627	$438
Refusal to submit to a chemical test	$2711	$461
DUI	$2724	$454
Leaving scene of an accident/hit and run	$2745	$467

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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 Colesville 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 Colesville.

The cheapest car insurance premiums in Colesville are offered by Erie at $834 for a six-month policy. However, it can be as expensive as $4121 with companies like Maryland Auto.

Colesville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$834	$140
Travelers	$1147	$193
Progressive	$1543	$260
USAA	$1688	$284
Allstate	$2217	$370
State Farm	$2641	$445
Nationwide	$3614	$608
Maryland Auto	$4121	$701

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 Colesville are offered by USAA at $855. However, it can be as expensive as $2836 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Colesville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$855	$145
State Farm	$896	$151
Erie	$1021	$172
Progressive	$1244	$209
Travelers	$1654	$281
Nationwide	$2662	$443
Maryland Auto	$2801	$476
Allstate	$2836	$473

Car Insurance Price Trends in Colesville, Maryland

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

The average cost of full coverage in the Colesville rose by $263 in January compared to $249 of December. In other words, there has been an increase by $14 when you compare January and December.

The average cost of liability insurance in the Colesville rose to $91 in January, compared to $90 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 Colesville?

The car insurance in Colesville is $60 per month, which is lower than the national average.

What is the cheapest car insurance in Colesville?

The cheapest car insurance in Colesville is $147 per month for full coverage.

How much is car insurance in Colesville for teenagers?

Car insurance for teenagers costs $522 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 Colesville?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $236 per month to insure your car in Colesville.

Is car insurance expensive in Colesville?

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

Cheapest Car Insurance Quotes in Colesville

Why you can trust Way?

How Much Is Car Insurance in Colesville

Avg. Car Insurance in Colesville

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Colesville

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Colesville Car Insurance Rates by Company

Cheap Car Insurance Companies in Colesville, MD

Way's key takeaways about car insurance in Colesville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Colesville

Cheapest Liability Coverage in Colesville, MD

Cheapest Full Coverage Car Insurance in Colesville

Cheapest Full Coverage Car Insurance Quotes in Colesville, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Colesville by Rating Factor

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

Car Insurance Premiums by Age in Colesville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Colesville,MD

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

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 Colesville

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

Colesville Car Insurance Rates by Violation

Colesville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Colesville after a DUI

Colesville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Colesville after Speeding ticket

Car Insurance Price Trends in Colesville, Maryland

Average Car Insurance Cost in Colesville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Colesville, MD

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

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