Cheapest Car Insurance Quotes in Crofton

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Crofton Car Insurance

^$ 52

/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 Crofton

The car insurance rate in Crofton is $1216 for a six-month policy, which is $12 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $750, making it a popular choice for budget-conscious drivers. Rates in Crofton 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 Crofton

$1216

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Crofton

1st place: Kemper

At $750 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $828 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $864 for six months, making it the third cheapest auto insurance company in Crofton.

Crofton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Crofton, MD is Kemper, offering policies at just $750 for a six-month term. This is followed by USAA, which has an average six-month premium of $828.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2418 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Crofton drivers find the best deals.

Cheap Car Insurance Companies in Crofton, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$750	$127
USAA	$828	$139
Travelers	$864	$145
State Farm	$953	$161
Erie	$1032	$174
Nationwide	$1038	$175
Progressive	$1230	$207
Allstate	$1830	$305
Maryland Auto	$2418	$411

Key Takeaways

Way's key takeaways about car insurance in Crofton

The auto insurance costs in Crofton fall around $750 for six months.
The cheapest auto insurance company in Crofton is USAA.
Teen drivers pay the highest rate in Crofton at $1251 per month.

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Cheapest Minimum Liability Car Insurance in Crofton

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 Crofton are given below.

USAA provides the cheapest minimum car insurance coverage in Crofton. Their Average 6 Month Premium is $306. Allstate is the most expensive at $960 for the same period.

Cheapest Liability Coverage in Crofton, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$306	$52
Travelers	$408	$69
Kemper	$426	$71
Erie	$450	$76
State Farm	$456	$77
Nationwide	$570	$96
Progressive	$588	$99
Maryland Auto	$840	$142
Allstate	$960	$160

Cheapest Full Coverage Car Insurance in Crofton

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 Crofton is Kemper at $127 per month and $750 for six months.

Cheapest Full Coverage Car Insurance Quotes in Crofton, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$750	$127
USAA	$828	$139
Travelers	$864	$145
State Farm	$953	$161
Erie	$1032	$174
Nationwide	$1038	$175
Progressive	$1230	$207
Allstate	$1830	$305
Maryland Auto	$2418	$411

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Average Car Insurance in Crofton 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 Crofton, MD increasing?

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

Car Insurance Premiums by Age in Crofton

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 Crofton,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Crofton at $75 per month. At $7511 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$450	$75
Erie	$1404	$236
Travelers	$1494	$251
USAA	$1530	$258
State Farm	$2280	$384
Progressive	$2682	$451
Maryland Auto	$4092	$682
Nationwide	$4475	$753
Allstate	$7511	$1251

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 Crofton, USAA is the cheapest car insurance provider. At $1080 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 Crofton is Allstate, offering rates of around $2802 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1080	$180
Progressive	$1206	$203
Nationwide	$1572	$265
Travelers	$2028	$344
Maryland Auto	$2418	$403
Erie	$2550	$433
State Farm	$5538	$923
Allstate	$2802	$477

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Car Insurance Rates with An Accident in Crofton

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

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

The cheapest car insurance companies after an at-fault accident in Crofton include Erie and USAA, offering $857 and $876, respectively. Allstate is an expensive provider with an average six-month premium of $3306.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$857	$144
USAA	$876	$147
Travelers	$924	$156
State Farm	$1038	$175
Progressive	$1236	$208
Nationwide	$1806	$304
Maryland Auto	$3161	$527
Allstate	$3306	$563

Crofton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Crofton MD. For example, the car insurance in Crofton after a DUI increases to $1139 for a six month policy. While the rate increases by $264 for a six-month policy in the case of a speeding ticket.

Crofton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1212	$202
One Med/PIP claim	$1253	$213
Not-at-fault accident	$1302	$217
One comp claim	$1308	$222
Two Med/PIP claims	$1332	$222
Failure to wear a seat belt	$1374	$233
Failure to show documents	$1410	$235
Child safety restraint	$1422	$241
Two comp claims	$1422	$237
Driving with expired registration	$1457	$247
Cell phone violation	$1476	$246
Driving too slowly	$1476	$250
Failure to stop at a red light	$1476	$246
Failure to yield	$1476	$250
Following too closely	$1476	$246
Illegal turn	$1476	$250
Improper passing	$1476	$246
Speeding 11 - 15 MPH over limit	$1476	$250
Speeding 16 - 20 MPH over limit	$1476	$246
Speeding 6 - 10 MPH over limit	$1476	$250
Texting while driving	$1476	$246
Wrong way/wrong lane	$1476	$250
Speeding in school zone	$1494	$249
At-fault accident - less than $1000	$1524	$260
Passing school bus	$1530	$255
Driving without lights	$1536	$262
Open container	$1542	$257
Operating a vehicle without permission	$1559	$266
Speeding 21 - 25 MPH over limit	$1614	$269
In 65 MPH zone	$1763	$300
At-fault accident - $1000-$2000	$1818	$303
At-fault accident - greater than $2000	$1818	$309
Reckless driving	$2076	$346
Racing	$2232	$380
Driving with a suspended license	$2267	$378
Refusal to submit to a chemical test	$2340	$398
DUI	$2351	$392
Leaving scene of an accident/hit and run	$2369	$403

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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 Crofton 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 Crofton.

The cheapest car insurance premiums in Crofton are offered by Erie at $720 for a six-month policy. However, it can be as expensive as $3557 with companies like Maryland Auto.

Crofton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$720	$121
Travelers	$990	$167
Progressive	$1332	$224
USAA	$1457	$245
Allstate	$1914	$319
State Farm	$2280	$384
Nationwide	$3120	$525
Maryland Auto	$3557	$605

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 Crofton are offered by USAA at $738. However, it can be as expensive as $2448 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Crofton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$738	$125
State Farm	$774	$130
Erie	$882	$148
Progressive	$1074	$181
Travelers	$1428	$242
Nationwide	$2298	$383
Maryland Auto	$2418	$411
Allstate	$2448	$408

Car Insurance Price Trends in Crofton, Maryland

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

The average cost of full coverage in the Crofton rose by $227 in January compared to $215 of December. In other words, there has been an increase by $12 when you compare January and December.

The average cost of liability insurance in the Crofton rose to $79 in January, compared to $78 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 Crofton?

The car insurance in Crofton is $52 per month, which is lower than the national average.

What is the cheapest car insurance in Crofton?

The cheapest car insurance in Crofton is $127 per month for full coverage.

How much is car insurance in Crofton for teenagers?

Car insurance for teenagers costs $450 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 Crofton?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $204 per month to insure your car in Crofton.

Is car insurance expensive in Crofton?

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

Cheapest Car Insurance Quotes in Crofton

Why you can trust Way?

How Much Is Car Insurance in Crofton

Avg. Car Insurance in Crofton

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Crofton

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Crofton Car Insurance Rates by Company

Cheap Car Insurance Companies in Crofton, MD

Way's key takeaways about car insurance in Crofton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Crofton

Cheapest Liability Coverage in Crofton, MD

Cheapest Full Coverage Car Insurance in Crofton

Cheapest Full Coverage Car Insurance Quotes in Crofton, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Crofton by Rating Factor

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

Car Insurance Premiums by Age in Crofton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Crofton,MD

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

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 Crofton

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

Crofton Car Insurance Rates by Violation

Crofton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Crofton after a DUI

Crofton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Crofton after Speeding ticket

Car Insurance Price Trends in Crofton, Maryland

Average Car Insurance Cost in Crofton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Crofton, MD

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

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