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Essex Car Insurance
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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.
The car insurance rate in Essex is $1311 for a six-month policy, which is $295 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $958, making it a popular choice for budget-conscious drivers. Rates in Essex 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 $958 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.
USAA offers auto insurance rates at $1035 for a six-month policy, making it one of the cheapest to insure with.
State Farm offers auto insurance rates at $1058 for six months, making it the third cheapest auto insurance company in Essex.
Based on our research, the cheapest car insurance company in Essex, MD is Kemper, offering policies at just $958 for a six-month term. This is followed by USAA, which has an average six-month premium of $1035.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2452 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Essex drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $958 | $163 |
| USAA | $1035 | $174 |
| State Farm | $1058 | $178 |
| Travelers | $1058 | $178 |
| Nationwide | $1226 | $206 |
| Erie | $1264 | $213 |
| Progressive | $1441 | $243 |
| Allstate | $2452 | $413 |
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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 Essex are given below.
USAA provides the cheapest minimum car insurance coverage in Essex. Their Average 6 Month Premium is $383. Allstate is the most expensive at $1342 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $383 | $65 |
| Travelers | $529 | $89 |
| State Farm | $537 | $90 |
| Kemper | $544 | $90 |
| Erie | $568 | $95 |
| Progressive | $667 | $112 |
| Nationwide | $690 | $116 |
| Allstate | $1342 | $226 |
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 Essex is Kemper at $163 per month and $958 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $958 | $163 |
| USAA | $1035 | $174 |
| State Farm | $1058 | $178 |
| Travelers | $1058 | $178 |
| Nationwide | $1226 | $206 |
| Erie | $1264 | $213 |
| Progressive | $1441 | $243 |
| Allstate | $2452 | $413 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Essex, 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, Essex's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Travelers | $884 |
| 30s | Travelers | $753 |
| 40s | Travelers | $686 |
| 50s | Travelers | $649 |
| 60s | Travelers | $728 |
| 70s | USAA | $769 |
If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Essex at $98 per month. At $10230 for a six-month premium, Allstate offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $575 | $98 |
| Erie | $1494 | $252 |
| Travelers | $1747 | $294 |
| USAA | $1869 | $315 |
| State Farm | $2536 | $427 |
| Progressive | $3226 | $543 |
| Nationwide | $4843 | $815 |
| Allstate | $10230 | $1722 |
Teen Car Insurance Rates in MD by Age
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.
For those with poor credit scores in Essex, USAA is the cheapest car insurance provider. At $1211 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 Essex is State Farm, offering rates of around $4582 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $1211 | $201 |
| Progressive | $1249 | $210 |
| Nationwide | $1587 | $267 |
| Travelers | $2237 | $381 |
| Erie | $2628 | $439 |
| Allstate | $3578 | $609 |
| State Farm | $4582 | $764 |
Save up to $971/yr on car insurance rates in Essex.
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 Essex, MD, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Essex include Erie and USAA, offering $951 and $1081, respectively. Encompass is an expensive provider with an average six-month premium of $850.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Erie | $951 | $160 |
| USAA | $1081 | $182 |
| Travelers | $1095 | $184 |
| State Farm | $1180 | $199 |
| Progressive | $1433 | $241 |
| Nationwide | $1992 | $335 |
| Allstate | $4475 | $753 |
| Encompass | $850 | $142 |
Here is a list of driving violations that can increase your car insurance rates in Essex MD. For example, the car insurance in Essex after a DUI increases to $1455 for a six month policy. While the rate increases by $337 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1548 | $258 |
| One Med/PIP claim | $1601 | $272 |
| Not-at-fault accident | $1663 | $277 |
| One comp claim | $1671 | $284 |
| Two Med/PIP claims | $1702 | $284 |
| Failure to wear a seat belt | $1754 | $298 |
| Failure to show documents | $1801 | $301 |
| Child safety restraint | $1816 | $308 |
| Two comp claims | $1816 | $303 |
| Driving with expired registration | $1861 | $316 |
| Cell phone violation | $1885 | $315 |
| Driving too slowly | $1885 | $320 |
| Failure to stop at a red light | $1885 | $315 |
| Failure to yield | $1885 | $320 |
| Following too closely | $1885 | $315 |
| Illegal turn | $1885 | $320 |
| Improper passing | $1885 | $315 |
| Speeding 11 - 15 MPH over limit | $1885 | $320 |
| Speeding 16 - 20 MPH over limit | $1885 | $315 |
| Speeding 6 - 10 MPH over limit | $1885 | $320 |
| Texting while driving | $1885 | $315 |
| Wrong way/wrong lane | $1885 | $320 |
| Speeding in school zone | $1908 | $319 |
| At-fault accident - less than $1000 | $1947 | $332 |
| Passing school bus | $1954 | $325 |
| Driving without lights | $1962 | $334 |
| Open container | $1970 | $328 |
| Operating a vehicle without permission | $1992 | $339 |
| Speeding 21 - 25 MPH over limit | $2061 | $343 |
| In 65 MPH zone | $2252 | $383 |
| At-fault accident - $1000-$2000 | $2322 | $387 |
| At-fault accident - greater than $2000 | $2322 | $395 |
| Reckless driving | $2651 | $442 |
| Racing | $2851 | $485 |
| Driving with a suspended license | $2896 | $482 |
| Refusal to submit to a chemical test | $2989 | $508 |
| DUI | $3003 | $501 |
| Leaving scene of an accident/hit and run | $3026 | $515 |
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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.
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 Essex.
The cheapest car insurance premiums in Essex are offered by Erie at $813 for a six-month policy. However, it can be as expensive as $3341 with companies like Nationwide.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Erie | $813 | $137 |
| Travelers | $1188 | $200 |
| Progressive | $1548 | $261 |
| USAA | $1785 | $301 |
| State Farm | $2322 | $391 |
| Allstate | $2559 | $431 |
| Nationwide | $3341 | $562 |
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 Essex are offered by State Farm at $728. However, it can be as expensive as $3127 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $728 | $123 |
| USAA | $828 | $141 |
| Erie | $965 | $163 |
| Progressive | $1118 | $188 |
| Travelers | $1533 | $255 |
| Nationwide | $2176 | $370 |
| Allstate | $3127 | $521 |
Car insurance rates in Essex have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Essex rose by $275 in December compared to $273 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 Essex remained steady at $99 in both December and November, indicating no change over the two month period.
How much is car insurance in Essex?
The car insurance in Essex is $65 per month, which is lower than the national average.
What is the cheapest car insurance in Essex?
The cheapest car insurance in Essex is $163 per month for full coverage.
How much is car insurance in Essex for teenagers?
Car insurance for teenagers costs $575 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 Essex?
The average cost of car insurance is $1016 for a six-month policy. It will cost around $221 per month to insure your car in Essex.
Is car insurance expensive in Essex?
Car insurance can be expensive in Essex if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Essex can be affordable.
What is the best car insurance in Essex, MD?
The best car insurance company in Essex MD is Kemper, offering $958 for a six-month policy.
Cut auto insurance costs in Essex right now.