Cheapest Car Insurance Quotes in Galesville

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Galesville Car Insurance

^$ 53

/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 Galesville

The car insurance rate in Galesville is $1252 for a six-month policy, which is $48 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $773, making it a popular choice for budget-conscious drivers. Rates in Galesville 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 Galesville

$1252

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Galesville

1st place: Kemper

At $773 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $853 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $889 for six months, making it the third cheapest auto insurance company in Galesville.

Galesville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Galesville, MD is Kemper, offering policies at just $773 for a six-month term. This is followed by USAA, which has an average six-month premium of $853.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2490 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Galesville drivers find the best deals.

Cheap Car Insurance Companies in Galesville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$773	$131
USAA	$853	$144
Travelers	$889	$150
State Farm	$982	$165
Erie	$1063	$179
Nationwide	$1069	$180
Progressive	$1267	$213
Allstate	$1884	$314
Maryland Auto	$2490	$423

Key Takeaways

Way's key takeaways about car insurance in Galesville

The auto insurance costs in Galesville fall around $773 for six months.
The cheapest auto insurance company in Galesville is USAA.
Teen drivers pay the highest rate in Galesville at $1289 per month.

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Cheapest Minimum Liability Car Insurance in Galesville

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 Galesville are given below.

USAA provides the cheapest minimum car insurance coverage in Galesville. Their Average 6 Month Premium is $315. Allstate is the most expensive at $988 for the same period.

Cheapest Liability Coverage in Galesville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$315	$53
Travelers	$420	$71
Kemper	$439	$73
Erie	$464	$78
State Farm	$469	$79
Nationwide	$587	$99
Progressive	$605	$102
Maryland Auto	$865	$147
Allstate	$988	$164

Cheapest Full Coverage Car Insurance in Galesville

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 Galesville is Kemper at $131 per month and $773 for six months.

Cheapest Full Coverage Car Insurance Quotes in Galesville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$773	$131
USAA	$853	$144
Travelers	$889	$150
State Farm	$982	$165
Erie	$1063	$179
Nationwide	$1069	$180
Progressive	$1267	$213
Allstate	$1884	$314
Maryland Auto	$2490	$423

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Average Car Insurance in Galesville 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 Galesville, MD increasing?

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

Car Insurance Premiums by Age in Galesville

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 Galesville,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Galesville at $77 per month. At $7734 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$464	$77
Erie	$1446	$243
Travelers	$1538	$259
USAA	$1576	$265
State Farm	$2347	$395
Progressive	$2761	$465
Maryland Auto	$4213	$702
Nationwide	$4608	$776
Allstate	$7734	$1289

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 Galesville, USAA is the cheapest car insurance provider. At $1112 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 Galesville is Allstate, offering rates of around $2885 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1112	$185
Progressive	$1242	$209
Nationwide	$1618	$272
Travelers	$2088	$355
Maryland Auto	$2490	$415
Erie	$2626	$446
State Farm	$5702	$951
Allstate	$2885	$491

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Car Insurance Rates with An Accident in Galesville

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

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

The cheapest car insurance companies after an at-fault accident in Galesville include Erie and USAA, offering $883 and $902, respectively. Allstate is an expensive provider with an average six-month premium of $3404.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$883	$149
USAA	$902	$152
Travelers	$952	$160
State Farm	$1069	$180
Progressive	$1273	$214
Nationwide	$1860	$313
Maryland Auto	$3255	$543
Allstate	$3404	$579

Galesville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Galesville MD. For example, the car insurance in Galesville after a DUI increases to $1173 for a six month policy. While the rate increases by $271 for a six-month policy in the case of a speeding ticket.

Galesville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1248	$208
One Med/PIP claim	$1291	$219
Not-at-fault accident	$1341	$224
One comp claim	$1347	$229
Two Med/PIP claims	$1372	$229
Failure to wear a seat belt	$1414	$240
Failure to show documents	$1452	$242
Child safety restraint	$1464	$249
Two comp claims	$1464	$244
Driving with expired registration	$1501	$255
Cell phone violation	$1519	$254
Driving too slowly	$1519	$258
Failure to stop at a red light	$1519	$254
Failure to yield	$1519	$258
Following too closely	$1519	$254
Illegal turn	$1519	$258
Improper passing	$1519	$254
Speeding 11 - 15 MPH over limit	$1519	$258
Speeding 16 - 20 MPH over limit	$1519	$254
Speeding 6 - 10 MPH over limit	$1519	$258
Texting while driving	$1519	$254
Wrong way/wrong lane	$1519	$258
Speeding in school zone	$1538	$257
At-fault accident - less than $1000	$1569	$267
Passing school bus	$1576	$262
Driving without lights	$1582	$269
Open container	$1588	$264
Operating a vehicle without permission	$1606	$274
Speeding 21 - 25 MPH over limit	$1662	$277
In 65 MPH zone	$1816	$309
At-fault accident - $1000-$2000	$1872	$312
At-fault accident - greater than $2000	$1872	$318
Reckless driving	$2137	$357
Racing	$2298	$391
Driving with a suspended license	$2335	$389
Refusal to submit to a chemical test	$2410	$410
DUI	$2421	$404
Leaving scene of an accident/hit and run	$2440	$415

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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 Galesville 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 Galesville.

The cheapest car insurance premiums in Galesville are offered by Erie at $742 for a six-month policy. However, it can be as expensive as $3663 with companies like Maryland Auto.

Galesville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$742	$125
Travelers	$1019	$172
Progressive	$1372	$231
USAA	$1501	$253
Allstate	$1971	$329
State Farm	$2347	$395
Nationwide	$3213	$541
Maryland Auto	$3663	$623

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 Galesville are offered by USAA at $760. However, it can be as expensive as $2521 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Galesville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$760	$129
State Farm	$797	$134
Erie	$908	$153
Progressive	$1106	$186
Travelers	$1471	$250
Nationwide	$2366	$394
Maryland Auto	$2490	$423
Allstate	$2521	$420

Car Insurance Price Trends in Galesville, Maryland

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

The average cost of full coverage in the Galesville rose by $234 in January compared to $222 of December. In other words, there has been an increase by $12 when you compare January and December.

The average cost of liability insurance in the Galesville rose to $81 in January, compared to $80 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 Galesville?

The car insurance in Galesville is $53 per month, which is lower than the national average.

What is the cheapest car insurance in Galesville?

The cheapest car insurance in Galesville is $131 per month for full coverage.

How much is car insurance in Galesville for teenagers?

Car insurance for teenagers costs $464 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 Galesville?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $210 per month to insure your car in Galesville.

Is car insurance expensive in Galesville?

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

Cheapest Car Insurance Quotes in Galesville

Why you can trust Way?

How Much Is Car Insurance in Galesville

Avg. Car Insurance in Galesville

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Galesville

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Galesville Car Insurance Rates by Company

Cheap Car Insurance Companies in Galesville, MD

Way's key takeaways about car insurance in Galesville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Galesville

Cheapest Liability Coverage in Galesville, MD

Cheapest Full Coverage Car Insurance in Galesville

Cheapest Full Coverage Car Insurance Quotes in Galesville, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Galesville by Rating Factor

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

Car Insurance Premiums by Age in Galesville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Galesville,MD

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

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 Galesville

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

Galesville Car Insurance Rates by Violation

Galesville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Galesville after a DUI

Galesville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Galesville after Speeding ticket

Car Insurance Price Trends in Galesville, Maryland

Average Car Insurance Cost in Galesville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Galesville, MD

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

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