Cheapest Car Insurance Quotes in Colesville

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Colesville Car Insurance

^$ 58

/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 Colesville

The car insurance rate in Colesville is $1179 for a six-month policy, which is $163 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $862, 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

$1179

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Colesville

1st place: Kemper

At $862 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $930 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 $951 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 $862 for a six-month term. This is followed by USAA, which has an average six-month premium of $930.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2205 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	$862	$146
USAA	$930	$157
State Farm	$951	$160
Travelers	$951	$160
Nationwide	$1102	$186
Erie	$1137	$191
Progressive	$1296	$218
Allstate	$2205	$371

Key Takeaways

Way's key takeaways about car insurance in Colesville

The auto insurance costs in Colesville fall around $862 for six months.
The cheapest auto insurance company in Colesville is USAA.
Teen drivers pay the highest rate in Colesville at $1549 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 $345. Allstate is the most expensive at $1206 for the same period.

Cheapest Liability Coverage in Colesville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$345	$58
Travelers	$476	$80
State Farm	$483	$81
Kemper	$490	$81
Erie	$510	$86
Progressive	$600	$101
Nationwide	$621	$104
Allstate	$1206	$203

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 $146 per month and $862 for six months.

Cheapest Full Coverage Car Insurance Quotes in Colesville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$862	$146
USAA	$930	$157
State Farm	$951	$160
Travelers	$951	$160
Nationwide	$1102	$186
Erie	$1137	$191
Progressive	$1296	$218
Allstate	$2205	$371

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$795
30s	Travelers	$677
40s	Travelers	$617
50s	Travelers	$583
60s	Travelers	$654
70s	USAA	$691

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 $88 per month. At $9199 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$517	$88
Erie	$1343	$226
Travelers	$1571	$264
USAA	$1681	$283
State Farm	$2281	$384
Progressive	$2901	$488
Nationwide	$4355	$733
Allstate	$9199	$1549

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 Colesville.

As young drivers face the highest rates in Colesville, Travelers offers the cheapest auto insurance rates at $795 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 Colesville, USAA is the cheapest car insurance provider. At $1089 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 State Farm, offering rates of around $4120 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1089	$181
Progressive	$1123	$189
Nationwide	$1427	$240
Travelers	$2011	$342
Erie	$2363	$394
Allstate	$3218	$548
State Farm	$4120	$687

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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 $855 and $972, respectively. Encompass is an expensive provider with an average six-month premium of $764.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$855	$144
USAA	$972	$164
Travelers	$985	$166
State Farm	$1061	$179
Progressive	$1289	$217
Nationwide	$1791	$302
Allstate	$4024	$677
Encompass	$764	$128

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 $1308 for a six month policy. While the rate increases by $303 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	$1392	$232
One Med/PIP claim	$1440	$245
Not-at-fault accident	$1495	$249
One comp claim	$1502	$255
Two Med/PIP claims	$1530	$255
Failure to wear a seat belt	$1578	$268
Failure to show documents	$1619	$270
Child safety restraint	$1633	$277
Two comp claims	$1633	$273
Driving with expired registration	$1674	$284
Cell phone violation	$1695	$283
Driving too slowly	$1695	$288
Failure to stop at a red light	$1695	$283
Failure to yield	$1695	$288
Following too closely	$1695	$283
Illegal turn	$1695	$288
Improper passing	$1695	$283
Speeding 11 - 15 MPH over limit	$1695	$288
Speeding 16 - 20 MPH over limit	$1695	$283
Speeding 6 - 10 MPH over limit	$1695	$288
Texting while driving	$1695	$283
Wrong way/wrong lane	$1695	$288
Speeding in school zone	$1716	$287
At-fault accident - less than $1000	$1750	$298
Passing school bus	$1757	$292
Driving without lights	$1764	$300
Open container	$1771	$295
Operating a vehicle without permission	$1791	$305
Speeding 21 - 25 MPH over limit	$1854	$309
In 65 MPH zone	$2025	$345
At-fault accident - $1000-$2000	$2088	$348
At-fault accident - greater than $2000	$2088	$355
Reckless driving	$2384	$398
Racing	$2564	$436
Driving with a suspended license	$2604	$434
Refusal to submit to a chemical test	$2688	$457
DUI	$2700	$450
Leaving scene of an accident/hit and run	$2721	$463

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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 $731 for a six-month policy. However, it can be as expensive as $3004 with companies like Nationwide.

Colesville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$731	$123
Travelers	$1068	$180
Progressive	$1392	$234
USAA	$1605	$270
State Farm	$2088	$351
Allstate	$2301	$387
Nationwide	$3004	$506

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 State Farm at $654. However, it can be as expensive as $2812 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
State Farm	$654	$110
USAA	$745	$126
Erie	$868	$146
Progressive	$1006	$169
Travelers	$1378	$230
Nationwide	$1957	$333
Allstate	$2812	$469

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 $247 in December compared to $246 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 Colesville remained steady at $89 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 Colesville?

The car insurance in Colesville is $58 per month, which is lower than the national average.

What is the cheapest car insurance in Colesville?

The cheapest car insurance in Colesville is $146 per month for full coverage.

How much is car insurance in Colesville for teenagers?

Car insurance for teenagers costs $517 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 $1016 for a six-month policy. It will cost around $198 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: State Farm

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 Travelers 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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