We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Gwynn Oak 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.
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 Gwynn Oak
The car insurance rate in Gwynn Oak is $1585 for a six-month policy, which is $569 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1159, making it a popular choice for budget-conscious drivers. Rates in Gwynn Oak 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 $1159 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1251 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 $1279
for six months, making it
the third cheapest auto insurance company in Gwynn Oak.
Gwynn Oak Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Gwynn Oak, MD is Kemper, offering policies at just $1159 for a six-month term. This is followed by USAA, which has an average six-month premium of $1251.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2966 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gwynn Oak drivers find the best deals.
Way's key takeaways about car insurance in Gwynn Oak
The auto insurance costs in Gwynn Oak fall around $1159 for six
months.
The cheapest auto insurance company in Gwynn Oak is USAA.
Teen drivers pay the highest rate in Gwynn Oak at $2083 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 Gwynn Oak
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 Gwynn Oak are given below.
USAA provides
the cheapest minimum car insurance
coverage in Gwynn Oak. Their Average 6 Month Premium is $463.
Allstate is the most
expensive at $1622 for the same
period.
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 Gwynn Oak is Kemper
at $197 per month and $1159
for six months.
Cheapest Full Coverage Car Insurance Quotes in Gwynn Oak,
MD
Get Your Car Insurance Quote in Gwynn Oak
Instantly!
Average Car Insurance in Gwynn Oak 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 Gwynn Oak, MD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Gwynn Oak, 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, Gwynn Oak's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Gwynn Oak
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
$1069
30s
Travelers
$911
40s
Travelers
$830
50s
Travelers
$785
60s
Travelers
$880
70s
USAA
$930
Cheapest Car Insurance Rates for Teen Drivers in
Gwynn Oak,MD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Gwynn Oak at $119
per
month. At $12371 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Gwynn Oak.
As young drivers face the highest rates in Gwynn Oak, Travelers
offers the cheapest auto insurance rates at $1069 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 Gwynn Oak,
USAA is
the cheapest car insurance provider. At $1465 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
Gwynn Oak is State Farm, offering
rates of around $5541 for six
months.
Save up to $971/yr on car insurance rates in Gwynn Oak.
Car Insurance Rates with An Accident in Gwynn Oak
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 Gwynn Oak, MD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Gwynn Oak
The cheapest car insurance companies after an at-fault accident in
Gwynn Oak include Erie
and USAA, offering $1150
and $1307,
respectively. Encompass is an expensive provider
with an average six-month premium of
$1028.
Here is a list of driving violations that can increase your car
insurance rates in Gwynn Oak MD. For example, the car
insurance in Gwynn Oak
after a DUI increases to $1760 for a six
month policy. While the rate increases by $407 for a six-month policy in the case of
a speeding ticket.
Gwynn Oak auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1872
$312
One Med/PIP claim
$1936
$329
Not-at-fault accident
$2011
$335
One comp claim
$2020
$343
Two Med/PIP claims
$2058
$343
Failure to wear a seat belt
$2122
$360
Failure to show documents
$2178
$363
Child safety restraint
$2196
$373
Two comp claims
$2196
$367
Driving with expired registration
$2251
$382
Cell phone violation
$2279
$381
Driving too slowly
$2279
$387
Failure to stop at a red light
$2279
$381
Failure to yield
$2279
$387
Following too closely
$2279
$381
Illegal turn
$2279
$387
Improper passing
$2279
$381
Speeding 11 - 15 MPH over limit
$2279
$387
Speeding 16 - 20 MPH over limit
$2279
$381
Speeding 6 - 10 MPH over limit
$2279
$387
Texting while driving
$2279
$381
Wrong way/wrong lane
$2279
$387
Speeding in school zone
$2307
$385
At-fault accident - less than $1000
$2354
$401
Passing school bus
$2363
$393
Driving without lights
$2373
$404
Open container
$2382
$396
Operating a vehicle without permission
$2409
$410
Speeding 21 - 25 MPH over limit
$2493
$415
In 65 MPH zone
$2724
$463
At-fault accident - $1000-$2000
$2808
$468
At-fault accident - greater than $2000
$2808
$477
Reckless driving
$3206
$535
Racing
$3448
$587
Driving with a suspended license
$3502
$583
Refusal to submit to a chemical test
$3615
$615
DUI
$3632
$605
Leaving scene of an accident/hit and run
$3660
$622
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 Gwynn Oak 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 Gwynn Oak.
The cheapest car insurance premiums in
Gwynn Oak are
offered by Erie at $983 for a six-month policy.
However, it can be as
expensive as $4040 with companies
like Nationwide.
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 Gwynn Oak are offered by State Farm
at $880. However,
it can be as expensive as $3781
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Gwynn Oak after Speeding ticket
Car insurance rates in Gwynn Oak have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Gwynn Oak rose by
$332 in December
compared to $331 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 Gwynn Oak remained steady at $120 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Gwynn Oak by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Gwynn Oak. At $3169 for a
six-month policy, insuring
your car at 21207 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Gwynn Oak?
The car insurance in Gwynn Oak is $78 per month, which is lower than the national average.
What is the cheapest car insurance in Gwynn Oak?
The cheapest car insurance in Gwynn Oak
is $197 per month
for full coverage.
How much is car insurance in Gwynn Oak for teenagers?
Car insurance for teenagers costs $696 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
Gwynn Oak?
The average cost of car insurance is $1016 for a six-month
policy. It will cost around $267 per month to insure your
car in Gwynn Oak.
Is car insurance expensive in Gwynn Oak?
Car insurance can be expensive in Gwynn Oak if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Gwynn Oak can be
affordable.
What is the best car insurance in Gwynn Oak,
MD?
The best car insurance company in Gwynn Oak
MD is
Kemper, offering $1159 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Gwynn Oak right now.
Find Car Insurance Rates in Cities Near Gwynn Oak, MD
Car Insurance Rates by State in the USA (2025 Update)
Gwynn Oak Car Insurance
