Cheapest Car Insurance Quotes in District Heights

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District Heights 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 District Heights

The car insurance rate in District Heights is $1382 for a six-month policy, which is $366 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1010, making it a popular choice for budget-conscious drivers. Rates in District Heights 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 District Heights

$1382

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in District Heights

1st place: Kemper

At $1010 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: State Farm

State Farm offers auto insurance rates at $1115 for six months, making it the third cheapest auto insurance company in District Heights.

District Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in District Heights, MD is Kemper, offering policies at just $1010 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, Allstate is the most expensive, with rates reaching $2585 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help District Heights drivers find the best deals.

Cheap Car Insurance Companies in District Heights, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1010	$171
USAA	$1091	$184
State Farm	$1115	$188
Travelers	$1115	$188
Nationwide	$1292	$218
Erie	$1333	$224
Progressive	$1519	$256
Allstate	$2585	$435

Key Takeaways

Way's key takeaways about car insurance in District Heights

The auto insurance costs in District Heights fall around $1010 for six months.
The cheapest auto insurance company in District Heights is USAA.
Teen drivers pay the highest rate in District Heights at $1816 per month.

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Cheapest Minimum Liability Car Insurance in District Heights

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 District Heights are given below.

USAA provides the cheapest minimum car insurance coverage in District Heights. Their Average 6 Month Premium is $404. Allstate is the most expensive at $1414 for the same period.

Cheapest Liability Coverage in District Heights, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$404	$68
Travelers	$558	$94
State Farm	$566	$95
Kemper	$574	$95
Erie	$598	$101
Progressive	$703	$118
Nationwide	$728	$122
Allstate	$1414	$238

Cheapest Full Coverage Car Insurance in District Heights

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 District Heights is Kemper at $171 per month and $1010 for six months.

Cheapest Full Coverage Car Insurance Quotes in District Heights, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1010	$171
USAA	$1091	$184
State Farm	$1115	$188
Travelers	$1115	$188
Nationwide	$1292	$218
Erie	$1333	$224
Progressive	$1519	$256
Allstate	$2585	$435

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Average Car Insurance in District Heights 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 District Heights, MD increasing?

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

Car Insurance Premiums by Age in District Heights

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	$932
30s	Travelers	$794
40s	Travelers	$724
50s	Travelers	$684
60s	Travelers	$767
70s	USAA	$811

Cheapest Car Insurance Rates for Teen Drivers in District Heights,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the District Heights at $103 per month. At $10785 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$607	$103
Erie	$1575	$265
Travelers	$1841	$310
USAA	$1971	$332
State Farm	$2674	$450
Progressive	$3401	$573
Nationwide	$5105	$860
Allstate	$10785	$1816

Teen Car Insurance Rates in MD by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in District Heights.

As young drivers face the highest rates in District Heights, Travelers offers the cheapest auto insurance rates at $932 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 District Heights, USAA is the cheapest car insurance provider. At $1277 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 District Heights is State Farm, offering rates of around $4831 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1277	$212
Progressive	$1316	$222
Nationwide	$1673	$282
Travelers	$2358	$401
Erie	$2770	$462
Allstate	$3773	$642
State Farm	$4831	$805

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Car Insurance Rates with An Accident in District Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in District Heights

The cheapest car insurance companies after an at-fault accident in District Heights include Erie and USAA, offering $1002 and $1140, respectively. Encompass is an expensive provider with an average six-month premium of $896.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1002	$169
USAA	$1140	$192
Travelers	$1155	$194
State Farm	$1244	$209
Progressive	$1511	$254
Nationwide	$2100	$354
Allstate	$4718	$794
Encompass	$896	$150

District Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in District Heights MD. For example, the car insurance in District Heights after a DUI increases to $1534 for a six month policy. While the rate increases by $355 for a six-month policy in the case of a speeding ticket.

District Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1632	$272
One Med/PIP claim	$1688	$287
Not-at-fault accident	$1753	$292
One comp claim	$1761	$299
Two Med/PIP claims	$1794	$299
Failure to wear a seat belt	$1850	$314
Failure to show documents	$1899	$317
Child safety restraint	$1915	$325
Two comp claims	$1915	$320
Driving with expired registration	$1962	$333
Cell phone violation	$1987	$332
Driving too slowly	$1987	$337
Failure to stop at a red light	$1987	$332
Failure to yield	$1987	$337
Following too closely	$1987	$332
Illegal turn	$1987	$337
Improper passing	$1987	$332
Speeding 11 - 15 MPH over limit	$1987	$337
Speeding 16 - 20 MPH over limit	$1987	$332
Speeding 6 - 10 MPH over limit	$1987	$337
Texting while driving	$1987	$332
Wrong way/wrong lane	$1987	$337
Speeding in school zone	$2011	$336
At-fault accident - less than $1000	$2052	$350
Passing school bus	$2060	$343
Driving without lights	$2069	$352
Open container	$2077	$345
Operating a vehicle without permission	$2100	$358
Speeding 21 - 25 MPH over limit	$2173	$362
In 65 MPH zone	$2375	$404
At-fault accident - $1000-$2000	$2448	$408
At-fault accident - greater than $2000	$2448	$416
Reckless driving	$2795	$466
Racing	$3006	$511
Driving with a suspended license	$3053	$509
Refusal to submit to a chemical test	$3151	$536
DUI	$3166	$528
Leaving scene of an accident/hit and run	$3191	$543

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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 District Heights 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 District Heights.

The cheapest car insurance premiums in District Heights are offered by Erie at $857 for a six-month policy. However, it can be as expensive as $3522 with companies like Nationwide.

District Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$857	$144
Travelers	$1253	$211
Progressive	$1632	$275
USAA	$1882	$317
State Farm	$2448	$412
Allstate	$2698	$454
Nationwide	$3522	$593

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 District Heights are offered by State Farm at $767. However, it can be as expensive as $3297 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in District Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$767	$129
USAA	$873	$148
Erie	$1017	$171
Progressive	$1179	$199
Travelers	$1616	$269
Nationwide	$2294	$390
Allstate	$3297	$549

Car Insurance Price Trends in District Heights, Maryland

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

The average cost of full coverage in the District Heights rose by $290 in December compared to $288 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the District Heights remained steady at $105 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in District Heights?

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

What is the cheapest car insurance in District Heights?

The cheapest car insurance in District Heights is $171 per month for full coverage.

How much is car insurance in District Heights for teenagers?

Car insurance for teenagers costs $607 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 District Heights?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $233 per month to insure your car in District Heights.

Is car insurance expensive in District Heights?

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

Cheapest Car Insurance Quotes in District Heights

Why you can trust Way?

How Much Is Car Insurance in District Heights

Avg. Car Insurance in District Heights

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in District Heights

1st place: Kemper

2nd place: USAA

3rd place: State Farm

District Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in District Heights, MD

Way's key takeaways about car insurance in District Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in District Heights

Cheapest Liability Coverage in District Heights, MD

Cheapest Full Coverage Car Insurance in District Heights

Cheapest Full Coverage Car Insurance Quotes in District Heights, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in District Heights by Rating Factor

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

Car Insurance Premiums by Age in District Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in District Heights,MD

If you are in your twenties Travelers is the best choice for car insurance in District Heights.

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 District Heights

Cheapest Car Insurance Companies after an At-Fault Accident in District Heights

District Heights Car Insurance Rates by Violation

District Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in District Heights after a DUI

District Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in District Heights after Speeding ticket

Car Insurance Price Trends in District Heights, Maryland

Average Car Insurance Cost in District Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near District Heights, MD

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

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