Cheapest Car Insurance Quotes in Ellicott City

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Ellicott City Car Insurance

^$ 52

/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 Ellicott City

The car insurance rate in Ellicott City is $1046 for a six-month policy, which is $30 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $765, making it a popular choice for budget-conscious drivers. Rates in Ellicott City 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 Ellicott City

$1046

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Ellicott City

1st place: Kemper

At $765 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $826 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 $845 for six months, making it the third cheapest auto insurance company in Ellicott City.

Ellicott City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ellicott City, MD is Kemper, offering policies at just $765 for a six-month term. This is followed by USAA, which has an average six-month premium of $826.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1958 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ellicott City drivers find the best deals.

Cheap Car Insurance Companies in Ellicott City, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$765	$130
USAA	$826	$139
State Farm	$845	$142
Travelers	$845	$142
Nationwide	$979	$165
Erie	$1009	$170
Progressive	$1151	$194
Allstate	$1958	$330

Key Takeaways

Way's key takeaways about car insurance in Ellicott City

The auto insurance costs in Ellicott City fall around $765 for six months.
The cheapest auto insurance company in Ellicott City is USAA.
Teen drivers pay the highest rate in Ellicott City at $1375 per month.

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Cheapest Minimum Liability Car Insurance in Ellicott City

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 Ellicott City are given below.

USAA provides the cheapest minimum car insurance coverage in Ellicott City. Their Average 6 Month Premium is $306. Allstate is the most expensive at $1071 for the same period.

Cheapest Liability Coverage in Ellicott City, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$306	$52
Travelers	$422	$71
State Farm	$428	$72
Kemper	$435	$72
Erie	$453	$76
Progressive	$533	$90
Nationwide	$551	$93
Allstate	$1071	$180

Cheapest Full Coverage Car Insurance in Ellicott City

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 Ellicott City is Kemper at $130 per month and $765 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ellicott City, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$765	$130
USAA	$826	$139
State Farm	$845	$142
Travelers	$845	$142
Nationwide	$979	$165
Erie	$1009	$170
Progressive	$1151	$194
Allstate	$1958	$330

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Average Car Insurance in Ellicott City 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 Ellicott City, MD increasing?

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

Car Insurance Premiums by Age in Ellicott City

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	$706
30s	Travelers	$602
40s	Travelers	$548
50s	Travelers	$518
60s	Travelers	$581
70s	USAA	$614

Cheapest Car Insurance Rates for Teen Drivers in Ellicott City,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Ellicott City at $78 per month. At $8168 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$459	$78
Erie	$1193	$201
Travelers	$1395	$235
USAA	$1492	$251
State Farm	$2025	$341
Progressive	$2576	$434
Nationwide	$3867	$651
Allstate	$8168	$1375

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 Ellicott City.

As young drivers face the highest rates in Ellicott City, Travelers offers the cheapest auto insurance rates at $706 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 Ellicott City, USAA is the cheapest car insurance provider. At $967 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 Ellicott City is State Farm, offering rates of around $3659 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$967	$161
Progressive	$997	$168
Nationwide	$1267	$213
Travelers	$1786	$304
Erie	$2098	$350
Allstate	$2857	$486
State Farm	$3659	$610

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Car Insurance Rates with An Accident in Ellicott City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Ellicott City

The cheapest car insurance companies after an at-fault accident in Ellicott City include Erie and USAA, offering $759 and $863, respectively. Encompass is an expensive provider with an average six-month premium of $679.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$759	$128
USAA	$863	$145
Travelers	$874	$147
State Farm	$942	$159
Progressive	$1144	$193
Nationwide	$1590	$268
Allstate	$3573	$602
Encompass	$679	$113

Ellicott City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ellicott City MD. For example, the car insurance in Ellicott City after a DUI increases to $1162 for a six month policy. While the rate increases by $269 for a six-month policy in the case of a speeding ticket.

Ellicott City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1236	$206
One Med/PIP claim	$1278	$217
Not-at-fault accident	$1328	$221
One comp claim	$1334	$227
Two Med/PIP claims	$1359	$227
Failure to wear a seat belt	$1401	$238
Failure to show documents	$1438	$240
Child safety restraint	$1450	$246
Two comp claims	$1450	$242
Driving with expired registration	$1486	$252
Cell phone violation	$1505	$251
Driving too slowly	$1505	$255
Failure to stop at a red light	$1505	$251
Failure to yield	$1505	$255
Following too closely	$1505	$251
Illegal turn	$1505	$255
Improper passing	$1505	$251
Speeding 11 - 15 MPH over limit	$1505	$255
Speeding 16 - 20 MPH over limit	$1505	$251
Speeding 6 - 10 MPH over limit	$1505	$255
Texting while driving	$1505	$251
Wrong way/wrong lane	$1505	$255
Speeding in school zone	$1523	$254
At-fault accident - less than $1000	$1554	$265
Passing school bus	$1560	$260
Driving without lights	$1567	$267
Open container	$1573	$262
Operating a vehicle without permission	$1590	$271
Speeding 21 - 25 MPH over limit	$1646	$274
In 65 MPH zone	$1798	$306
At-fault accident - $1000-$2000	$1854	$309
At-fault accident - greater than $2000	$1854	$315
Reckless driving	$2117	$353
Racing	$2276	$387
Driving with a suspended license	$2312	$385
Refusal to submit to a chemical test	$2387	$406
DUI	$2398	$400
Leaving scene of an accident/hit and run	$2416	$411

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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 Ellicott City 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 Ellicott City.

The cheapest car insurance premiums in Ellicott City are offered by Erie at $649 for a six-month policy. However, it can be as expensive as $2668 with companies like Nationwide.

Ellicott City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$649	$109
Travelers	$949	$160
Progressive	$1236	$208
USAA	$1426	$240
State Farm	$1854	$312
Allstate	$2044	$344
Nationwide	$2668	$449

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 Ellicott City are offered by State Farm at $581. However, it can be as expensive as $2497 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Ellicott City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$581	$98
USAA	$661	$112
Erie	$770	$130
Progressive	$893	$150
Travelers	$1224	$204
Nationwide	$1738	$296
Allstate	$2497	$416

Car Insurance Price Trends in Ellicott City, Maryland

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

The average cost of full coverage in the Ellicott City rose by $219 in December compared to $218 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Ellicott City remained steady at $79 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 Ellicott City?

The car insurance in Ellicott City is $52 per month, which is lower than the national average.

What is the cheapest car insurance in Ellicott City?

The cheapest car insurance in Ellicott City is $130 per month for full coverage.

How much is car insurance in Ellicott City for teenagers?

Car insurance for teenagers costs $459 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 Ellicott City?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $176 per month to insure your car in Ellicott City.

Is car insurance expensive in Ellicott City?

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

Cheapest Car Insurance Quotes in Ellicott City

Why you can trust Way?

How Much Is Car Insurance in Ellicott City

Avg. Car Insurance in Ellicott City

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Ellicott City

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Ellicott City Car Insurance Rates by Company

Cheap Car Insurance Companies in Ellicott City, MD

Way's key takeaways about car insurance in Ellicott City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ellicott City

Cheapest Liability Coverage in Ellicott City, MD

Cheapest Full Coverage Car Insurance in Ellicott City

Cheapest Full Coverage Car Insurance Quotes in Ellicott City, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ellicott City by Rating Factor

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

Car Insurance Premiums by Age in Ellicott City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ellicott City,MD

If you are in your twenties Travelers is the best choice for car insurance in Ellicott City.

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 Ellicott City

Cheapest Car Insurance Companies after an At-Fault Accident in Ellicott City

Ellicott City Car Insurance Rates by Violation

Ellicott City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ellicott City after a DUI

Ellicott City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ellicott City after Speeding ticket

Car Insurance Price Trends in Ellicott City, Maryland

Average Car Insurance Cost in Ellicott City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ellicott City, MD

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

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