Cheapest Car Insurance Quotes in Cottage City

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Cottage City Car Insurance

^$ 68

/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 Cottage City

The car insurance rate in Cottage City is $1601 for a six-month policy, which is $397 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $988, making it a popular choice for budget-conscious drivers. Rates in Cottage City 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 Cottage City

$1601

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Cottage City

1st place: Kemper

At $988 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1091 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1137 for six months, making it the third cheapest auto insurance company in Cottage City.

Cottage City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cottage City, MD is Kemper, offering policies at just $988 for a six-month term. This is followed by USAA, which has an average six-month premium of $1091.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $3184 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cottage City drivers find the best deals.

Cheap Car Insurance Companies in Cottage City, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$988	$168
USAA	$1091	$184
Travelers	$1137	$192
State Farm	$1256	$211
Erie	$1359	$229
Nationwide	$1367	$230
Progressive	$1620	$273
Allstate	$2410	$402
Maryland Auto	$3184	$541

Key Takeaways

Way's key takeaways about car insurance in Cottage City

The auto insurance costs in Cottage City fall around $988 for six months.
The cheapest auto insurance company in Cottage City is USAA.
Teen drivers pay the highest rate in Cottage City at $1648 per month.

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Cheapest Minimum Liability Car Insurance in Cottage City

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 Cottage City are given below.

USAA provides the cheapest minimum car insurance coverage in Cottage City. Their Average 6 Month Premium is $403. Allstate is the most expensive at $1264 for the same period.

Cheapest Liability Coverage in Cottage City, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$403	$68
Travelers	$537	$90
Kemper	$561	$93
Erie	$593	$100
State Farm	$600	$101
Nationwide	$750	$126
Progressive	$774	$130
Maryland Auto	$1107	$188
Allstate	$1264	$210

Cheapest Full Coverage Car Insurance in Cottage City

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 Cottage City is Kemper at $168 per month and $988 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cottage City, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$988	$168
USAA	$1091	$184
Travelers	$1137	$192
State Farm	$1256	$211
Erie	$1359	$229
Nationwide	$1367	$230
Progressive	$1620	$273
Allstate	$2410	$402
Maryland Auto	$3184	$541

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Average Car Insurance in Cottage City 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 Cottage City, MD increasing?

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

Car Insurance Premiums by Age in Cottage City

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 Cottage City,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Cottage City at $98 per month. At $9891 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$593	$98
Erie	$1849	$311
Travelers	$1967	$331
USAA	$2015	$339
State Farm	$3002	$505
Progressive	$3531	$595
Maryland Auto	$5388	$898
Nationwide	$5893	$992
Allstate	$9891	$1648

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 Cottage City, USAA is the cheapest car insurance provider. At $1422 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 Cottage City is Allstate, offering rates of around $3689 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1422	$237
Progressive	$1588	$267
Nationwide	$2069	$348
Travelers	$2671	$454
Maryland Auto	$3184	$531
Erie	$3358	$571
State Farm	$7292	$1216
Allstate	$3689	$628

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Car Insurance Rates with An Accident in Cottage City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cottage City

The cheapest car insurance companies after an at-fault accident in Cottage City include Erie and USAA, offering $1129 and $1153, respectively. Allstate is an expensive provider with an average six-month premium of $4353.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1129	$190
USAA	$1153	$194
Travelers	$1217	$205
State Farm	$1367	$230
Progressive	$1628	$274
Nationwide	$2378	$400
Maryland Auto	$4163	$694
Allstate	$4353	$741

Cottage City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cottage City MD. For example, the car insurance in Cottage City after a DUI increases to $1500 for a six month policy. While the rate increases by $347 for a six-month policy in the case of a speeding ticket.

Cottage City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1596	$266
One Med/PIP claim	$1651	$281
Not-at-fault accident	$1714	$286
One comp claim	$1722	$293
Two Med/PIP claims	$1754	$293
Failure to wear a seat belt	$1809	$307
Failure to show documents	$1857	$310
Child safety restraint	$1873	$318
Two comp claims	$1873	$313
Driving with expired registration	$1919	$326
Cell phone violation	$1943	$325
Driving too slowly	$1943	$330
Failure to stop at a red light	$1943	$325
Failure to yield	$1943	$330
Following too closely	$1943	$325
Illegal turn	$1943	$330
Improper passing	$1943	$325
Speeding 11 - 15 MPH over limit	$1943	$330
Speeding 16 - 20 MPH over limit	$1943	$325
Speeding 6 - 10 MPH over limit	$1943	$330
Texting while driving	$1943	$325
Wrong way/wrong lane	$1943	$330
Speeding in school zone	$1967	$329
At-fault accident - less than $1000	$2007	$342
Passing school bus	$2015	$335
Driving without lights	$2023	$344
Open container	$2031	$338
Operating a vehicle without permission	$2054	$350
Speeding 21 - 25 MPH over limit	$2125	$354
In 65 MPH zone	$2322	$395
At-fault accident - $1000-$2000	$2394	$399
At-fault accident - greater than $2000	$2394	$407
Reckless driving	$2733	$456
Racing	$2939	$500
Driving with a suspended license	$2986	$497
Refusal to submit to a chemical test	$3082	$524
DUI	$3096	$516
Leaving scene of an accident/hit and run	$3120	$531

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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 Cottage City 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 Cottage City.

The cheapest car insurance premiums in Cottage City are offered by Erie at $948 for a six-month policy. However, it can be as expensive as $4684 with companies like Maryland Auto.

Cottage City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$948	$160
Travelers	$1303	$219
Progressive	$1754	$295
USAA	$1919	$323
Allstate	$2520	$420
State Farm	$3002	$505
Nationwide	$4108	$692
Maryland Auto	$4684	$797

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 Cottage City are offered by USAA at $972. However, it can be as expensive as $3224 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cottage City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$972	$165
State Farm	$1019	$172
Erie	$1161	$196
Progressive	$1414	$238
Travelers	$1881	$319
Nationwide	$3026	$504
Maryland Auto	$3184	$541
Allstate	$3224	$537

Car Insurance Price Trends in Cottage City, Maryland

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

The average cost of full coverage in the Cottage City rose by $299 in January compared to $283 of December. In other words, there has been an increase by $16 when you compare January and December.

The average cost of liability insurance in the Cottage City rose to $104 in January, compared to $102 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Cottage City?

The car insurance in Cottage City is $68 per month, which is lower than the national average.

What is the cheapest car insurance in Cottage City?

The cheapest car insurance in Cottage City is $168 per month for full coverage.

How much is car insurance in Cottage City for teenagers?

Car insurance for teenagers costs $593 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 Cottage City?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $269 per month to insure your car in Cottage City.

Is car insurance expensive in Cottage City?

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

Cheapest Car Insurance Quotes in Cottage City

Why you can trust Way?

How Much Is Car Insurance in Cottage City

Avg. Car Insurance in Cottage City

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Cottage City

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Cottage City Car Insurance Rates by Company

Cheap Car Insurance Companies in Cottage City, MD

Way's key takeaways about car insurance in Cottage City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cottage City

Cheapest Liability Coverage in Cottage City, MD

Cheapest Full Coverage Car Insurance in Cottage City

Cheapest Full Coverage Car Insurance Quotes in Cottage City, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cottage City by Rating Factor

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

Car Insurance Premiums by Age in Cottage City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cottage City,MD

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

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 Cottage City

Cheapest Car Insurance Companies after an At-Fault Accident in Cottage City

Cottage City Car Insurance Rates by Violation

Cottage City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cottage City after a DUI

Cottage City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cottage City after Speeding ticket

Car Insurance Price Trends in Cottage City, Maryland

Average Car Insurance Cost in Cottage City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cottage City, MD

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

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