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Finding the cheapest car insurance quotes in Davidsonville 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 Davidsonville
The car insurance rate in Davidsonville 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 Davidsonville 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 $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 Davidsonville.
Davidsonville Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Davidsonville, 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 Davidsonville drivers find the best deals.
Cheap Car Insurance Companies in Davidsonville, MD
Way's key takeaways about car insurance in Davidsonville
The auto insurance costs in Davidsonville fall around $750 for six
months.
The cheapest auto insurance company in Davidsonville is USAA.
Teen drivers pay the highest rate in Davidsonville at $1251 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 Davidsonville
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 Davidsonville are given below.
USAA provides
the cheapest minimum car insurance
coverage in Davidsonville. Their Average 6 Month Premium is $306.
Allstate is the most
expensive at $960 for the same
period.
Cheapest Full Coverage Car Insurance in Davidsonville
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 Davidsonville is Kemper
at $127 per month and $750
for six months.
Cheapest Full Coverage Car Insurance Quotes in Davidsonville,
MD
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Average Car Insurance in Davidsonville 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 Davidsonville, MD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Davidsonville, 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, Davidsonville's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Davidsonville
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
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Cheapest Car Insurance Rates for Teen Drivers in
Davidsonville,MD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Davidsonville at $75
per
month. At $7511 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Davidsonville.
As young drivers face the highest rates in Davidsonville, N/A
offers the cheapest auto insurance rates at $N/A 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 Davidsonville,
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
Davidsonville is Allstate, offering
rates of around $2802 for six
months.
Save up to $971/yr on car insurance rates in Davidsonville.
Car Insurance Rates with An Accident in Davidsonville
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 Davidsonville, MD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Davidsonville
The cheapest car insurance companies after an at-fault accident in
Davidsonville include Erie
and USAA, offering $857
and $876,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3306.
Here is a list of driving violations that can increase your car
insurance rates in Davidsonville MD. For example, the car
insurance in Davidsonville
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.
Davidsonville 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 Davidsonville 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 Davidsonville.
The cheapest car insurance premiums in
Davidsonville are
offered by Erie at $720 for a six-month policy.
However, it can be as
expensive as $3557 with companies
like Maryland Auto.
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 Davidsonville 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 Davidsonville after Speeding ticket
Car Insurance Price Trends in Davidsonville,
Maryland
Car insurance rates in Davidsonville have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Davidsonville 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 Davidsonville rose to $79 in January,
compared to $78 in December.
This represents an increase of $1
when comparing January and December.
Average Car Insurance Cost in Davidsonville 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
Davidsonville. At $2432 for a
six-month policy, insuring
your car at 21035 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 Davidsonville?
The car insurance in Davidsonville is $52 per month, which is lower than the national average.
What is the cheapest car insurance in Davidsonville?
The cheapest car insurance in Davidsonville
is $127 per month
for full coverage.
How much is car insurance in Davidsonville 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
Davidsonville?
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 Davidsonville.
Is car insurance expensive in Davidsonville?
Car insurance can be expensive in Davidsonville if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Davidsonville can be
affordable.
What is the best car insurance in Davidsonville,
MD?
The best car insurance company in Davidsonville
MD is
Kemper, offering $750 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Davidsonville, MD
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Davidsonville Car Insurance
