Cheapest Car Insurance Quotes in Dames Quarter

Finding the cheapest car insurance quotes in Dames Quarter 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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Dames Quarter Car Insurance

^$ 44

/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 Dames Quarter

The car insurance rate in Dames Quarter is $1035 for a six-month policy, which is $169 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $639, making it a popular choice for budget-conscious drivers. Rates in Dames Quarter 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 Dames Quarter

$1035

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Dames Quarter

1st place: Kemper

At $639 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $705 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $735 for six months, making it the third cheapest auto insurance company in Dames Quarter.

Dames Quarter Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dames Quarter, MD is Kemper, offering policies at just $639 for a six-month term. This is followed by USAA, which has an average six-month premium of $705.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2059 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dames Quarter drivers find the best deals.

Cheap Car Insurance Companies in Dames Quarter, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$639	$108
USAA	$705	$119
Travelers	$735	$124
State Farm	$812	$137
Erie	$879	$148
Nationwide	$884	$149
Progressive	$1047	$176
Allstate	$1558	$260
Maryland Auto	$2059	$350

Key Takeaways

Way's key takeaways about car insurance in Dames Quarter

The auto insurance costs in Dames Quarter fall around $639 for six months.
The cheapest auto insurance company in Dames Quarter is USAA.
Teen drivers pay the highest rate in Dames Quarter at $1066 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 Dames Quarter

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 Dames Quarter are given below.

USAA provides the cheapest minimum car insurance coverage in Dames Quarter. Their Average 6 Month Premium is $261. Allstate is the most expensive at $817 for the same period.

Cheapest Liability Coverage in Dames Quarter, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$261	$44
Travelers	$347	$58
Kemper	$363	$60
Erie	$384	$65
State Farm	$388	$65
Nationwide	$485	$82
Progressive	$501	$84
Maryland Auto	$716	$121
Allstate	$817	$136

Cheapest Full Coverage Car Insurance in Dames Quarter

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 Dames Quarter is Kemper at $108 per month and $639 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dames Quarter, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$639	$108
USAA	$705	$119
Travelers	$735	$124
State Farm	$812	$137
Erie	$879	$148
Nationwide	$884	$149
Progressive	$1047	$176
Allstate	$1558	$260
Maryland Auto	$2059	$350

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Dames Quarter Instantly!

Average Car Insurance in Dames Quarter 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 Dames Quarter, MD increasing?

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

Car Insurance Premiums by Age in Dames Quarter

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Dames Quarter,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Dames Quarter at $64 per month. At $6396 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$384	$64
Erie	$1195	$201
Travelers	$1272	$214
USAA	$1303	$219
State Farm	$1941	$327
Progressive	$2283	$384
Maryland Auto	$3484	$581
Nationwide	$3811	$642
Allstate	$6396	$1066

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 Dames Quarter, USAA is the cheapest car insurance provider. At $919 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 Dames Quarter is Allstate, offering rates of around $2386 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$919	$153
Progressive	$1027	$173
Nationwide	$1338	$225
Travelers	$1727	$293
Maryland Auto	$2059	$343
Erie	$2172	$369
State Farm	$4715	$786
Allstate	$2386	$406

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Dames Quarter.

Car Insurance Rates with An Accident in Dames Quarter

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

Cheapest Car Insurance Companies after an At-Fault Accident in Dames Quarter

The cheapest car insurance companies after an at-fault accident in Dames Quarter include Erie and USAA, offering $730 and $746, respectively. Allstate is an expensive provider with an average six-month premium of $2815.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$730	$123
USAA	$746	$126
Travelers	$787	$132
State Farm	$884	$149
Progressive	$1053	$177
Nationwide	$1538	$259
Maryland Auto	$2692	$449
Allstate	$2815	$479

Dames Quarter Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dames Quarter MD. For example, the car insurance in Dames Quarter after a DUI increases to $970 for a six month policy. While the rate increases by $224 for a six-month policy in the case of a speeding ticket.

Dames Quarter auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1032	$172
One Med/PIP claim	$1067	$181
Not-at-fault accident	$1109	$185
One comp claim	$1114	$189
Two Med/PIP claims	$1134	$189
Failure to wear a seat belt	$1170	$199
Failure to show documents	$1201	$200
Child safety restraint	$1211	$206
Two comp claims	$1211	$202
Driving with expired registration	$1241	$211
Cell phone violation	$1256	$210
Driving too slowly	$1256	$213
Failure to stop at a red light	$1256	$210
Failure to yield	$1256	$213
Following too closely	$1256	$210
Illegal turn	$1256	$213
Improper passing	$1256	$210
Speeding 11 - 15 MPH over limit	$1256	$213
Speeding 16 - 20 MPH over limit	$1256	$210
Speeding 6 - 10 MPH over limit	$1256	$213
Texting while driving	$1256	$210
Wrong way/wrong lane	$1256	$213
Speeding in school zone	$1272	$212
At-fault accident - less than $1000	$1298	$221
Passing school bus	$1303	$217
Driving without lights	$1308	$223
Open container	$1313	$218
Operating a vehicle without permission	$1328	$226
Speeding 21 - 25 MPH over limit	$1374	$229
In 65 MPH zone	$1502	$255
At-fault accident - $1000-$2000	$1548	$258
At-fault accident - greater than $2000	$1548	$263
Reckless driving	$1767	$295
Racing	$1901	$323
Driving with a suspended license	$1931	$322
Refusal to submit to a chemical test	$1993	$339
DUI	$2002	$334
Leaving scene of an accident/hit and run	$2018	$343

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Dames Quarter 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 Dames Quarter.

The cheapest car insurance premiums in Dames Quarter are offered by Erie at $613 for a six-month policy. However, it can be as expensive as $3029 with companies like Maryland Auto.

Dames Quarter car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$613	$103
Travelers	$843	$142
Progressive	$1134	$191
USAA	$1241	$209
Allstate	$1630	$272
State Farm	$1941	$327
Nationwide	$2657	$447
Maryland Auto	$3029	$515

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 Dames Quarter are offered by USAA at $629. However, it can be as expensive as $2085 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Dames Quarter after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$629	$107
State Farm	$659	$111
Erie	$751	$126
Progressive	$914	$154
Travelers	$1216	$206
Nationwide	$1957	$326
Maryland Auto	$2059	$350
Allstate	$2085	$347

Car Insurance Price Trends in Dames Quarter, Maryland

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

The average cost of full coverage in the Dames Quarter rose by $194 in January compared to $183 of December. In other words, there has been an increase by $11 when you compare January and December.

The average cost of liability insurance in the Dames Quarter rose to $67 in January, compared to $66 in December. This represents an increase of $1 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Dames Quarter?

The car insurance in Dames Quarter is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Dames Quarter?

The cheapest car insurance in Dames Quarter is $108 per month for full coverage.

How much is car insurance in Dames Quarter for teenagers?

Car insurance for teenagers costs $384 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 Dames Quarter?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $174 per month to insure your car in Dames Quarter.

Is car insurance expensive in Dames Quarter?

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

Cheapest Car Insurance Quotes in Dames Quarter

Why you can trust Way?

How Much Is Car Insurance in Dames Quarter

Avg. Car Insurance in Dames Quarter

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Dames Quarter

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Dames Quarter Car Insurance Rates by Company

Cheap Car Insurance Companies in Dames Quarter, MD

Way's key takeaways about car insurance in Dames Quarter

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dames Quarter

Cheapest Liability Coverage in Dames Quarter, MD

Cheapest Full Coverage Car Insurance in Dames Quarter

Cheapest Full Coverage Car Insurance Quotes in Dames Quarter, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dames Quarter by Rating Factor

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

Car Insurance Premiums by Age in Dames Quarter

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dames Quarter,MD

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

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 Dames Quarter

Cheapest Car Insurance Companies after an At-Fault Accident in Dames Quarter

Dames Quarter Car Insurance Rates by Violation

Dames Quarter auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dames Quarter after a DUI

Dames Quarter car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dames Quarter after Speeding ticket

Car Insurance Price Trends in Dames Quarter, Maryland

Average Car Insurance Cost in Dames Quarter by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dames Quarter, MD

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

Featured Blogs

Data Sources