Cheapest Car Insurance Quotes in District Heights

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District Heights Car Insurance

^$ 70

/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 $1649 for a six-month policy, which is $445 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1018, 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

$1649

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in District Heights

1st place: Kemper

At $1018 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1123 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1171 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 $1018 for a six-month term. This is followed by USAA, which has an average six-month premium of $1123.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $3280 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	$1018	$173
USAA	$1123	$189
Travelers	$1171	$197
State Farm	$1293	$218
Erie	$1400	$236
Nationwide	$1408	$237
Progressive	$1669	$281
Allstate	$2482	$414
Maryland Auto	$3280	$558

Key Takeaways

Way's key takeaways about car insurance in District Heights

The auto insurance costs in District Heights fall around $1018 for six months.
The cheapest auto insurance company in District Heights is USAA.
Teen drivers pay the highest rate in District Heights at $1697 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 $415. Allstate is the most expensive at $1302 for the same period.

Cheapest Liability Coverage in District Heights, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$415	$70
Travelers	$553	$93
Kemper	$578	$96
Erie	$611	$103
State Farm	$618	$104
Nationwide	$773	$130
Progressive	$797	$134
Maryland Auto	$1140	$193
Allstate	$1302	$216

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 $173 per month and $1018 for six months.

Cheapest Full Coverage Car Insurance Quotes in District Heights, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1018	$173
USAA	$1123	$189
Travelers	$1171	$197
State Farm	$1293	$218
Erie	$1400	$236
Nationwide	$1408	$237
Progressive	$1669	$281
Allstate	$2482	$414
Maryland Auto	$3280	$558

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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

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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 $101 per month. At $10189 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$611	$101
Erie	$1904	$321
Travelers	$2026	$341
USAA	$2076	$349
State Farm	$3092	$521
Progressive	$3637	$612
Maryland Auto	$5550	$925
Nationwide	$6070	$1022
Allstate	$10189	$1697

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 District Heights, USAA is the cheapest car insurance provider. At $1465 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 Allstate, offering rates of around $3800 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1465	$244
Progressive	$1636	$275
Nationwide	$2132	$359
Travelers	$2751	$467
Maryland Auto	$3280	$547
Erie	$3459	$588
State Farm	$7512	$1252
Allstate	$3800	$647

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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 $1163 and $1188, respectively. Allstate is an expensive provider with an average six-month premium of $4484.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1163	$196
USAA	$1188	$200
Travelers	$1254	$211
State Farm	$1408	$237
Progressive	$1677	$282
Nationwide	$2450	$412
Maryland Auto	$4288	$715
Allstate	$4484	$763

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 $1545 for a six month policy. While the rate increases by $358 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	$1644	$274
One Med/PIP claim	$1700	$289
Not-at-fault accident	$1766	$295
One comp claim	$1774	$301
Two Med/PIP claims	$1807	$301
Failure to wear a seat belt	$1863	$316
Failure to show documents	$1913	$319
Child safety restraint	$1929	$327
Two comp claims	$1929	$322
Driving with expired registration	$1977	$336
Cell phone violation	$2002	$334
Driving too slowly	$2002	$340
Failure to stop at a red light	$2002	$334
Failure to yield	$2002	$340
Following too closely	$2002	$334
Illegal turn	$2002	$340
Improper passing	$2002	$334
Speeding 11 - 15 MPH over limit	$2002	$340
Speeding 16 - 20 MPH over limit	$2002	$334
Speeding 6 - 10 MPH over limit	$2002	$340
Texting while driving	$2002	$334
Wrong way/wrong lane	$2002	$340
Speeding in school zone	$2026	$338
At-fault accident - less than $1000	$2067	$352
Passing school bus	$2076	$345
Driving without lights	$2084	$355
Open container	$2092	$348
Operating a vehicle without permission	$2115	$360
Speeding 21 - 25 MPH over limit	$2189	$364
In 65 MPH zone	$2392	$407
At-fault accident - $1000-$2000	$2466	$411
At-fault accident - greater than $2000	$2466	$419
Reckless driving	$2815	$470
Racing	$3028	$515
Driving with a suspended license	$3076	$512
Refusal to submit to a chemical test	$3174	$540
DUI	$3189	$532
Leaving scene of an accident/hit and run	$3214	$547

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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 $977 for a six-month policy. However, it can be as expensive as $4825 with companies like Maryland Auto.

District Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$977	$164
Travelers	$1343	$226
Progressive	$1807	$304
USAA	$1977	$333
Allstate	$2596	$433
State Farm	$3092	$521
Nationwide	$4232	$712
Maryland Auto	$4825	$821

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 USAA at $1001. However, it can be as expensive as $3321 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
USAA	$1001	$170
State Farm	$1049	$177
Erie	$1196	$201
Progressive	$1456	$245
Travelers	$1937	$329
Nationwide	$3117	$519
Maryland Auto	$3280	$558
Allstate	$3321	$553

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 $308 in January compared to $292 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 District Heights rose to $107 in January, compared to $105 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 District Heights?

The car insurance in District Heights is $70 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 $173 per month for full coverage.

How much is car insurance in District Heights for teenagers?

Car insurance for teenagers costs $611 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 $1204 for a six-month policy. It will cost around $277 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: Travelers

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 N/A 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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