Cheapest Car Insurance Quotes in Grahamtown

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406,175 Policies Sold

Grahamtown Car Insurance

^$ 41

/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 Grahamtown

The car insurance rate in Grahamtown is $963 for a six-month policy, which is $241 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $594, making it a popular choice for budget-conscious drivers. Rates in Grahamtown 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 Grahamtown

$963

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Grahamtown

1st place: Kemper

At $594 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $656 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $684 for six months, making it the third cheapest auto insurance company in Grahamtown.

Grahamtown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Grahamtown, MD is Kemper, offering policies at just $594 for a six-month term. This is followed by USAA, which has an average six-month premium of $656.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $1915 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grahamtown drivers find the best deals.

Cheap Car Insurance Companies in Grahamtown, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$594	$101
USAA	$656	$110
Travelers	$684	$115
State Farm	$755	$127
Erie	$818	$138
Nationwide	$822	$138
Progressive	$974	$164
Allstate	$1450	$242
Maryland Auto	$1915	$326

Key Takeaways

Way's key takeaways about car insurance in Grahamtown

The auto insurance costs in Grahamtown fall around $594 for six months.
The cheapest auto insurance company in Grahamtown is USAA.
Teen drivers pay the highest rate in Grahamtown at $991 per month.

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Cheapest Minimum Liability Car Insurance in Grahamtown

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 Grahamtown are given below.

USAA provides the cheapest minimum car insurance coverage in Grahamtown. Their Average 6 Month Premium is $242. Allstate is the most expensive at $760 for the same period.

Cheapest Liability Coverage in Grahamtown, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$242	$41
Travelers	$323	$54
Kemper	$338	$56
Erie	$357	$60
State Farm	$361	$61
Nationwide	$451	$76
Progressive	$466	$78
Maryland Auto	$666	$113
Allstate	$760	$126

Cheapest Full Coverage Car Insurance in Grahamtown

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 Grahamtown is Kemper at $101 per month and $594 for six months.

Cheapest Full Coverage Car Insurance Quotes in Grahamtown, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$594	$101
USAA	$656	$110
Travelers	$684	$115
State Farm	$755	$127
Erie	$818	$138
Nationwide	$822	$138
Progressive	$974	$164
Allstate	$1450	$242
Maryland Auto	$1915	$326

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Average Car Insurance in Grahamtown 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 Grahamtown, MD increasing?

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

Car Insurance Premiums by Age in Grahamtown

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 Grahamtown,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Grahamtown at $59 per month. At $5950 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$357	$59
Erie	$1112	$187
Travelers	$1183	$199
USAA	$1212	$204
State Farm	$1806	$304
Progressive	$2124	$358
Maryland Auto	$3241	$540
Nationwide	$3545	$597
Allstate	$5950	$991

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 Grahamtown, USAA is the cheapest car insurance provider. At $855 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 Grahamtown is Allstate, offering rates of around $2219 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$855	$142
Progressive	$955	$161
Nationwide	$1245	$210
Travelers	$1606	$273
Maryland Auto	$1915	$319
Erie	$2020	$343
State Farm	$4386	$731
Allstate	$2219	$378

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Car Insurance Rates with An Accident in Grahamtown

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

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

The cheapest car insurance companies after an at-fault accident in Grahamtown include Erie and USAA, offering $679 and $694, respectively. Allstate is an expensive provider with an average six-month premium of $2618.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$679	$114
USAA	$694	$117
Travelers	$732	$123
State Farm	$822	$138
Progressive	$979	$165
Nationwide	$1430	$241
Maryland Auto	$2504	$418
Allstate	$2618	$446

Grahamtown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grahamtown MD. For example, the car insurance in Grahamtown after a DUI increases to $902 for a six month policy. While the rate increases by $209 for a six-month policy in the case of a speeding ticket.

Grahamtown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$960	$160
One Med/PIP claim	$993	$169
Not-at-fault accident	$1031	$172
One comp claim	$1036	$176
Two Med/PIP claims	$1055	$176
Failure to wear a seat belt	$1088	$185
Failure to show documents	$1117	$186
Child safety restraint	$1126	$191
Two comp claims	$1126	$188
Driving with expired registration	$1154	$196
Cell phone violation	$1169	$195
Driving too slowly	$1169	$198
Failure to stop at a red light	$1169	$195
Failure to yield	$1169	$198
Following too closely	$1169	$195
Illegal turn	$1169	$198
Improper passing	$1169	$195
Speeding 11 - 15 MPH over limit	$1169	$198
Speeding 16 - 20 MPH over limit	$1169	$195
Speeding 6 - 10 MPH over limit	$1169	$198
Texting while driving	$1169	$195
Wrong way/wrong lane	$1169	$198
Speeding in school zone	$1183	$198
At-fault accident - less than $1000	$1207	$206
Passing school bus	$1212	$202
Driving without lights	$1217	$207
Open container	$1222	$203
Operating a vehicle without permission	$1235	$210
Speeding 21 - 25 MPH over limit	$1278	$213
In 65 MPH zone	$1397	$238
At-fault accident - $1000-$2000	$1440	$240
At-fault accident - greater than $2000	$1440	$245
Reckless driving	$1644	$274
Racing	$1768	$301
Driving with a suspended license	$1796	$299
Refusal to submit to a chemical test	$1854	$315
DUI	$1862	$310
Leaving scene of an accident/hit and run	$1877	$319

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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 Grahamtown 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 Grahamtown.

The cheapest car insurance premiums in Grahamtown are offered by Erie at $570 for a six-month policy. However, it can be as expensive as $2818 with companies like Maryland Auto.

Grahamtown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$570	$96
Travelers	$784	$132
Progressive	$1055	$178
USAA	$1154	$194
Allstate	$1516	$253
State Farm	$1806	$304
Nationwide	$2471	$416
Maryland Auto	$2818	$479

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 Grahamtown are offered by USAA at $585. However, it can be as expensive as $1939 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Grahamtown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$585	$99
State Farm	$613	$103
Erie	$698	$118
Progressive	$850	$143
Travelers	$1131	$192
Nationwide	$1820	$303
Maryland Auto	$1915	$326
Allstate	$1939	$323

Car Insurance Price Trends in Grahamtown, Maryland

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

The average cost of full coverage in the Grahamtown rose by $180 in January compared to $170 of December. In other words, there has been an increase by $10 when you compare January and December.

The average cost of liability insurance in the Grahamtown remained steady at $62 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Grahamtown?

The car insurance in Grahamtown is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Grahamtown?

The cheapest car insurance in Grahamtown is $101 per month for full coverage.

How much is car insurance in Grahamtown for teenagers?

Car insurance for teenagers costs $357 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 Grahamtown?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $162 per month to insure your car in Grahamtown.

Is car insurance expensive in Grahamtown?

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

Cheapest Car Insurance Quotes in Grahamtown

Why you can trust Way?

How Much Is Car Insurance in Grahamtown

Avg. Car Insurance in Grahamtown

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Grahamtown

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Grahamtown Car Insurance Rates by Company

Cheap Car Insurance Companies in Grahamtown, MD

Way's key takeaways about car insurance in Grahamtown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Grahamtown

Cheapest Liability Coverage in Grahamtown, MD

Cheapest Full Coverage Car Insurance in Grahamtown

Cheapest Full Coverage Car Insurance Quotes in Grahamtown, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Grahamtown by Rating Factor

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

Car Insurance Premiums by Age in Grahamtown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Grahamtown,MD

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

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 Grahamtown

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

Grahamtown Car Insurance Rates by Violation

Grahamtown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Grahamtown after a DUI

Grahamtown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Grahamtown after Speeding ticket

Car Insurance Price Trends in Grahamtown, Maryland

Average Car Insurance Cost in Grahamtown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Grahamtown, MD

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

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