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Finding the cheapest car insurance quotes in Cooksville 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 Cooksville
The car insurance rate in Cooksville is $975 for a six-month policy, which is $41 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $713, making it a popular choice for budget-conscious drivers. Rates in Cooksville 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 $713 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $770 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 $787
for six months, making it
the third cheapest auto insurance company in Cooksville.
Cooksville Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Cooksville, MD is Kemper, offering policies at just $713 for a six-month term. This is followed by USAA, which has an average six-month premium of $770.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1825 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cooksville drivers find the best deals.
Way's key takeaways about car insurance in Cooksville
The auto insurance costs in Cooksville fall around $713 for six
months.
The cheapest auto insurance company in Cooksville is USAA.
Teen drivers pay the highest rate in Cooksville at $1282 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 Cooksville
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 Cooksville are given below.
USAA provides
the cheapest minimum car insurance
coverage in Cooksville. Their Average 6 Month Premium is $285.
Allstate is the most
expensive at $998 for the same
period.
Cheapest Full Coverage Car Insurance in Cooksville
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 Cooksville is Kemper
at $121 per month and $713
for six months.
Cheapest Full Coverage Car Insurance Quotes in Cooksville,
MD
Get Your Car Insurance Quote in Cooksville
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Average Car Insurance in Cooksville 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 Cooksville, MD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Cooksville, 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, Cooksville's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Cooksville
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
$658
30s
Travelers
$561
40s
Travelers
$511
50s
Travelers
$483
60s
Travelers
$541
70s
USAA
$572
Cheapest Car Insurance Rates for Teen Drivers in
Cooksville,MD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Cooksville at $73
per
month. At $7613 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 Cooksville.
As young drivers face the highest rates in Cooksville, Travelers
offers the cheapest auto insurance rates at $658 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 Cooksville,
USAA is
the cheapest car insurance provider. At $901 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
Cooksville is State Farm, offering
rates of around $3410 for six
months.
Save up to $971/yr on car insurance rates in Cooksville.
Car Insurance Rates with An Accident in Cooksville
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 Cooksville, MD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Cooksville
The cheapest car insurance companies after an at-fault accident in
Cooksville include Erie
and USAA, offering $708
and $804,
respectively. Encompass is an expensive provider
with an average six-month premium of
$633.
Here is a list of driving violations that can increase your car
insurance rates in Cooksville MD. For example, the car
insurance in Cooksville
after a DUI increases to $1083 for a six
month policy. While the rate increases by $251 for a six-month policy in the case of
a speeding ticket.
Cooksville auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1152
$192
One Med/PIP claim
$1191
$203
Not-at-fault accident
$1237
$206
One comp claim
$1243
$211
Two Med/PIP claims
$1266
$211
Failure to wear a seat belt
$1306
$222
Failure to show documents
$1340
$224
Child safety restraint
$1352
$229
Two comp claims
$1352
$226
Driving with expired registration
$1385
$235
Cell phone violation
$1403
$234
Driving too slowly
$1403
$238
Failure to stop at a red light
$1403
$234
Failure to yield
$1403
$238
Following too closely
$1403
$234
Illegal turn
$1403
$238
Improper passing
$1403
$234
Speeding 11 - 15 MPH over limit
$1403
$238
Speeding 16 - 20 MPH over limit
$1403
$234
Speeding 6 - 10 MPH over limit
$1403
$238
Texting while driving
$1403
$234
Wrong way/wrong lane
$1403
$238
Speeding in school zone
$1420
$237
At-fault accident - less than $1000
$1449
$247
Passing school bus
$1454
$242
Driving without lights
$1460
$249
Open container
$1466
$244
Operating a vehicle without permission
$1482
$252
Speeding 21 - 25 MPH over limit
$1534
$255
In 65 MPH zone
$1676
$285
At-fault accident - $1000-$2000
$1728
$288
At-fault accident - greater than $2000
$1728
$294
Reckless driving
$1973
$329
Racing
$2122
$361
Driving with a suspended license
$2155
$359
Refusal to submit to a chemical test
$2224
$378
DUI
$2235
$372
Leaving scene of an accident/hit and run
$2252
$383
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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 Cooksville 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 Cooksville.
The cheapest car insurance premiums in
Cooksville are
offered by Erie at $605 for a six-month policy.
However, it can be as
expensive as $2486 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 Cooksville are offered by State Farm
at $541. However,
it can be as expensive as $2327
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Cooksville after Speeding ticket
Car Insurance Price Trends in Cooksville,
Maryland
Car insurance rates in Cooksville have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Cooksville remained steady at $204 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Cooksville remained steady at $74 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Cooksville 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
Cooksville. At $1950 for a
six-month policy, insuring
your car at 21723 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 Cooksville?
The car insurance in Cooksville is $48 per month, which is lower than the national average.
What is the cheapest car insurance in Cooksville?
The cheapest car insurance in Cooksville
is $121 per month
for full coverage.
How much is car insurance in Cooksville for teenagers?
Car insurance for teenagers costs $428 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
Cooksville?
The average cost of car insurance is $1016 for a six-month
policy. It will cost around $164 per month to insure your
car in Cooksville.
Is car insurance expensive in Cooksville?
Car insurance can be expensive in Cooksville if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Cooksville can be
affordable.
What is the best car insurance in Cooksville,
MD?
The best car insurance company in Cooksville
MD is
Kemper, offering $713 for a
six-month policy.
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Cooksville Car Insurance
