Cheapest Car Insurance Quotes in Elkridge

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Elkridge Car Insurance

^$ 54

/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 Elkridge

The car insurance rate in Elkridge is $1276 for a six-month policy, which is $72 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $788, making it a popular choice for budget-conscious drivers. Rates in Elkridge 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 Elkridge

$1276

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Elkridge

1st place: Kemper

At $788 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $869 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $906 for six months, making it the third cheapest auto insurance company in Elkridge.

Elkridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elkridge, MD is Kemper, offering policies at just $788 for a six-month term. This is followed by USAA, which has an average six-month premium of $869.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2538 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elkridge drivers find the best deals.

Cheap Car Insurance Companies in Elkridge, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$788	$134
USAA	$869	$146
Travelers	$906	$153
State Farm	$1001	$169
Erie	$1083	$182
Nationwide	$1090	$183
Progressive	$1291	$217
Allstate	$1921	$320
Maryland Auto	$2538	$431

Key Takeaways

Way's key takeaways about car insurance in Elkridge

The auto insurance costs in Elkridge fall around $788 for six months.
The cheapest auto insurance company in Elkridge is USAA.
Teen drivers pay the highest rate in Elkridge at $1313 per month.

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Cheapest Minimum Liability Car Insurance in Elkridge

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 Elkridge are given below.

USAA provides the cheapest minimum car insurance coverage in Elkridge. Their Average 6 Month Premium is $321. Allstate is the most expensive at $1007 for the same period.

Cheapest Liability Coverage in Elkridge, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$321	$54
Travelers	$428	$72
Kemper	$447	$74
Erie	$473	$80
State Farm	$478	$81
Nationwide	$598	$101
Progressive	$617	$104
Maryland Auto	$882	$149
Allstate	$1007	$167

Cheapest Full Coverage Car Insurance in Elkridge

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 Elkridge is Kemper at $134 per month and $788 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elkridge, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$788	$134
USAA	$869	$146
Travelers	$906	$153
State Farm	$1001	$169
Erie	$1083	$182
Nationwide	$1090	$183
Progressive	$1291	$217
Allstate	$1921	$320
Maryland Auto	$2538	$431

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Average Car Insurance in Elkridge 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 Elkridge, MD increasing?

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

Car Insurance Premiums by Age in Elkridge

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 Elkridge,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Elkridge at $78 per month. At $7883 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$473	$78
Erie	$1473	$248
Travelers	$1568	$264
USAA	$1606	$270
State Farm	$2392	$403
Progressive	$2814	$474
Maryland Auto	$4294	$716
Nationwide	$4697	$791
Allstate	$7883	$1313

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 Elkridge, USAA is the cheapest car insurance provider. At $1133 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 Elkridge is Allstate, offering rates of around $2940 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1133	$189
Progressive	$1266	$213
Nationwide	$1649	$278
Travelers	$2128	$361
Maryland Auto	$2538	$423
Erie	$2677	$455
State Farm	$5812	$969
Allstate	$2940	$500

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Car Insurance Rates with An Accident in Elkridge

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

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

The cheapest car insurance companies after an at-fault accident in Elkridge include Erie and USAA, offering $900 and $919, respectively. Allstate is an expensive provider with an average six-month premium of $3469.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$900	$152
USAA	$919	$155
Travelers	$970	$163
State Farm	$1090	$183
Progressive	$1297	$218
Nationwide	$1895	$319
Maryland Auto	$3318	$553
Allstate	$3469	$590

Elkridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elkridge MD. For example, the car insurance in Elkridge after a DUI increases to $1196 for a six month policy. While the rate increases by $277 for a six-month policy in the case of a speeding ticket.

Elkridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1272	$212
One Med/PIP claim	$1315	$224
Not-at-fault accident	$1366	$228
One comp claim	$1373	$233
Two Med/PIP claims	$1398	$233
Failure to wear a seat belt	$1442	$245
Failure to show documents	$1480	$247
Child safety restraint	$1492	$253
Two comp claims	$1492	$249
Driving with expired registration	$1530	$260
Cell phone violation	$1549	$259
Driving too slowly	$1549	$263
Failure to stop at a red light	$1549	$259
Failure to yield	$1549	$263
Following too closely	$1549	$259
Illegal turn	$1549	$263
Improper passing	$1549	$259
Speeding 11 - 15 MPH over limit	$1549	$263
Speeding 16 - 20 MPH over limit	$1549	$259
Speeding 6 - 10 MPH over limit	$1549	$263
Texting while driving	$1549	$259
Wrong way/wrong lane	$1549	$263
Speeding in school zone	$1568	$262
At-fault accident - less than $1000	$1600	$272
Passing school bus	$1606	$267
Driving without lights	$1612	$275
Open container	$1619	$269
Operating a vehicle without permission	$1637	$279
Speeding 21 - 25 MPH over limit	$1694	$282
In 65 MPH zone	$1851	$315
At-fault accident - $1000-$2000	$1908	$318
At-fault accident - greater than $2000	$1908	$324
Reckless driving	$2178	$364
Racing	$2343	$399
Driving with a suspended license	$2380	$396
Refusal to submit to a chemical test	$2456	$418
DUI	$2468	$411
Leaving scene of an accident/hit and run	$2487	$423

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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 Elkridge 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 Elkridge.

The cheapest car insurance premiums in Elkridge are offered by Erie at $756 for a six-month policy. However, it can be as expensive as $3733 with companies like Maryland Auto.

Elkridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$756	$127
Travelers	$1039	$175
Progressive	$1398	$235
USAA	$1530	$258
Allstate	$2009	$335
State Farm	$2392	$403
Nationwide	$3274	$551
Maryland Auto	$3733	$635

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 Elkridge are offered by USAA at $775. However, it can be as expensive as $2569 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Elkridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$775	$131
State Farm	$812	$137
Erie	$925	$156
Progressive	$1127	$190
Travelers	$1499	$254
Nationwide	$2412	$402
Maryland Auto	$2538	$431
Allstate	$2569	$428

Car Insurance Price Trends in Elkridge, Maryland

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

The average cost of full coverage in the Elkridge rose by $239 in January compared to $226 of December. In other words, there has been an increase by $13 when you compare January and December.

The average cost of liability insurance in the Elkridge rose to $83 in January, compared to $82 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 Elkridge?

The car insurance in Elkridge is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Elkridge?

The cheapest car insurance in Elkridge is $134 per month for full coverage.

How much is car insurance in Elkridge for teenagers?

Car insurance for teenagers costs $473 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 Elkridge?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $214 per month to insure your car in Elkridge.

Is car insurance expensive in Elkridge?

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

Cheapest Car Insurance Quotes in Elkridge

Why you can trust Way?

How Much Is Car Insurance in Elkridge

Avg. Car Insurance in Elkridge

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Elkridge

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Elkridge Car Insurance Rates by Company

Cheap Car Insurance Companies in Elkridge, MD

Way's key takeaways about car insurance in Elkridge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Elkridge

Cheapest Liability Coverage in Elkridge, MD

Cheapest Full Coverage Car Insurance in Elkridge

Cheapest Full Coverage Car Insurance Quotes in Elkridge, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Elkridge by Rating Factor

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

Car Insurance Premiums by Age in Elkridge

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Elkridge,MD

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

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 Elkridge

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

Elkridge Car Insurance Rates by Violation

Elkridge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Elkridge after a DUI

Elkridge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Elkridge after Speeding ticket

Car Insurance Price Trends in Elkridge, Maryland

Average Car Insurance Cost in Elkridge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Elkridge, MD

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

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