Cheapest Car Insurance Quotes in Fairland

Finding the cheapest car insurance quotes in Fairland shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Fairland Car Insurance

^$ 58

/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 Fairland

The car insurance rate in Fairland is $1361 for a six-month policy, which is $157 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $840, making it a popular choice for budget-conscious drivers. Rates in Fairland 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 Fairland

$1361

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Fairland

1st place: Kemper

At $840 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $927 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $966 for six months, making it the third cheapest auto insurance company in Fairland.

Fairland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fairland, MD is Kemper, offering policies at just $840 for a six-month term. This is followed by USAA, which has an average six-month premium of $927.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2705 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fairland drivers find the best deals.

Cheap Car Insurance Companies in Fairland, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$840	$142
USAA	$927	$156
Travelers	$966	$163
State Farm	$1067	$180
Erie	$1155	$194
Nationwide	$1162	$195
Progressive	$1376	$232
Allstate	$2048	$341
Maryland Auto	$2705	$460

Key Takeaways

Way's key takeaways about car insurance in Fairland

The auto insurance costs in Fairland fall around $840 for six months.
The cheapest auto insurance company in Fairland is USAA.
Teen drivers pay the highest rate in Fairland at $1400 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Fairland

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 Fairland are given below.

USAA provides the cheapest minimum car insurance coverage in Fairland. Their Average 6 Month Premium is $342. Allstate is the most expensive at $1074 for the same period.

Cheapest Liability Coverage in Fairland, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$342	$58
Travelers	$457	$77
Kemper	$477	$79
Erie	$504	$85
State Farm	$510	$86
Nationwide	$637	$107
Progressive	$658	$111
Maryland Auto	$940	$159
Allstate	$1074	$179

Cheapest Full Coverage Car Insurance in Fairland

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 Fairland is Kemper at $142 per month and $840 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fairland, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$840	$142
USAA	$927	$156
Travelers	$966	$163
State Farm	$1067	$180
Erie	$1155	$194
Nationwide	$1162	$195
Progressive	$1376	$232
Allstate	$2048	$341
Maryland Auto	$2705	$460

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Fairland Instantly!

Average Car Insurance in Fairland 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 Fairland, MD increasing?

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

Car Insurance Premiums by Age in Fairland

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Fairland,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Fairland at $84 per month. At $8404 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$504	$84
Erie	$1571	$264
Travelers	$1671	$281
USAA	$1712	$288
State Farm	$2550	$429
Progressive	$3000	$505
Maryland Auto	$4578	$763
Nationwide	$5007	$843
Allstate	$8404	$1400

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 Fairland, USAA is the cheapest car insurance provider. At $1208 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 Fairland is Allstate, offering rates of around $3135 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1208	$201
Progressive	$1349	$227
Nationwide	$1758	$296
Travelers	$2269	$385
Maryland Auto	$2705	$451
Erie	$2853	$485
State Farm	$6196	$1033
Allstate	$3135	$533

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Fairland.

Car Insurance Rates with An Accident in Fairland

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

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

The cheapest car insurance companies after an at-fault accident in Fairland include Erie and USAA, offering $959 and $980, respectively. Allstate is an expensive provider with an average six-month premium of $3698.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$959	$162
USAA	$980	$165
Travelers	$1034	$174
State Farm	$1162	$195
Progressive	$1383	$233
Nationwide	$2020	$340
Maryland Auto	$3537	$590
Allstate	$3698	$629

Fairland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fairland MD. For example, the car insurance in Fairland after a DUI increases to $1275 for a six month policy. While the rate increases by $295 for a six-month policy in the case of a speeding ticket.

Fairland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1356	$226
One Med/PIP claim	$1402	$238
Not-at-fault accident	$1457	$243
One comp claim	$1463	$249
Two Med/PIP claims	$1490	$249
Failure to wear a seat belt	$1537	$261
Failure to show documents	$1577	$263
Child safety restraint	$1591	$270
Two comp claims	$1591	$266
Driving with expired registration	$1631	$277
Cell phone violation	$1651	$276
Driving too slowly	$1651	$280
Failure to stop at a red light	$1651	$276
Failure to yield	$1651	$280
Following too closely	$1651	$276
Illegal turn	$1651	$280
Improper passing	$1651	$276
Speeding 11 - 15 MPH over limit	$1651	$280
Speeding 16 - 20 MPH over limit	$1651	$276
Speeding 6 - 10 MPH over limit	$1651	$280
Texting while driving	$1651	$276
Wrong way/wrong lane	$1651	$280
Speeding in school zone	$1671	$279
At-fault accident - less than $1000	$1705	$290
Passing school bus	$1712	$285
Driving without lights	$1719	$293
Open container	$1726	$287
Operating a vehicle without permission	$1745	$297
Speeding 21 - 25 MPH over limit	$1806	$301
In 65 MPH zone	$1973	$336
At-fault accident - $1000-$2000	$2034	$339
At-fault accident - greater than $2000	$2034	$346
Reckless driving	$2322	$388
Racing	$2497	$425
Driving with a suspended license	$2537	$423
Refusal to submit to a chemical test	$2618	$445
DUI	$2631	$438
Leaving scene of an accident/hit and run	$2651	$451

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Fairland 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 Fairland.

The cheapest car insurance premiums in Fairland are offered by Erie at $806 for a six-month policy. However, it can be as expensive as $3980 with companies like Maryland Auto.

Fairland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$806	$136
Travelers	$1107	$186
Progressive	$1490	$251
USAA	$1631	$275
Allstate	$2141	$357
State Farm	$2550	$429
Nationwide	$3491	$588
Maryland Auto	$3980	$677

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 Fairland are offered by USAA at $826. However, it can be as expensive as $2739 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fairland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$826	$140
State Farm	$866	$146
Erie	$986	$166
Progressive	$1201	$202
Travelers	$1598	$271
Nationwide	$2571	$428
Maryland Auto	$2705	$460
Allstate	$2739	$457

Car Insurance Price Trends in Fairland, Maryland

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

The average cost of full coverage in the Fairland rose by $254 in January compared to $241 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 Fairland rose to $88 in January, compared to $87 in December. This represents an increase of $1 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Fairland?

The car insurance in Fairland is $58 per month, which is lower than the national average.

What is the cheapest car insurance in Fairland?

The cheapest car insurance in Fairland is $142 per month for full coverage.

How much is car insurance in Fairland for teenagers?

Car insurance for teenagers costs $504 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 Fairland?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $228 per month to insure your car in Fairland.

Is car insurance expensive in Fairland?

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

Cheapest Car Insurance Quotes in Fairland

Why you can trust Way?

How Much Is Car Insurance in Fairland

Avg. Car Insurance in Fairland

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Fairland

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Fairland Car Insurance Rates by Company

Cheap Car Insurance Companies in Fairland, MD

Way's key takeaways about car insurance in Fairland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fairland

Cheapest Liability Coverage in Fairland, MD

Cheapest Full Coverage Car Insurance in Fairland

Cheapest Full Coverage Car Insurance Quotes in Fairland, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fairland by Rating Factor

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

Car Insurance Premiums by Age in Fairland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fairland,MD

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

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 Fairland

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

Fairland Car Insurance Rates by Violation

Fairland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fairland after a DUI

Fairland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fairland after Speeding ticket

Car Insurance Price Trends in Fairland, Maryland

Average Car Insurance Cost in Fairland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fairland, MD

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

Featured Blogs

Data Sources