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Finding the cheapest car insurance quotes in Halethorpe 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 Halethorpe
The car insurance rate in Halethorpe is $1361 for a six-month policy, which is $345 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $996, making it a popular choice for budget-conscious drivers. Rates in Halethorpe 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 $996 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1075 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 $1099
for six months, making it
the third cheapest auto insurance company in Halethorpe.
Halethorpe Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Halethorpe, MD is Kemper, offering policies at just $996 for a six-month term. This is followed by USAA, which has an average six-month premium of $1075.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2547 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Halethorpe drivers find the best deals.
Way's key takeaways about car insurance in Halethorpe
The auto insurance costs in Halethorpe fall around $996 for six
months.
The cheapest auto insurance company in Halethorpe is USAA.
Teen drivers pay the highest rate in Halethorpe at $1789 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 Halethorpe
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 Halethorpe are given below.
USAA provides
the cheapest minimum car insurance
coverage in Halethorpe. Their Average 6 Month Premium is $398.
Allstate is the most
expensive at $1394 for the same
period.
Cheapest Full Coverage Car Insurance in Halethorpe
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 Halethorpe is Kemper
at $169 per month and $996
for six months.
Cheapest Full Coverage Car Insurance Quotes in Halethorpe,
MD
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Average Car Insurance in Halethorpe 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 Halethorpe, MD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Halethorpe, 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, Halethorpe's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Halethorpe
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
$918
30s
Travelers
$783
40s
Travelers
$713
50s
Travelers
$674
60s
Travelers
$756
70s
USAA
$799
Cheapest Car Insurance Rates for Teen Drivers in
Halethorpe,MD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Halethorpe at $102
per
month. At $10626 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 Halethorpe.
As young drivers face the highest rates in Halethorpe, Travelers
offers the cheapest auto insurance rates at $918 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 Halethorpe,
USAA is
the cheapest car insurance provider. At $1258 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
Halethorpe is State Farm, offering
rates of around $4760 for six
months.
Save up to $971/yr on car insurance rates in Halethorpe.
Car Insurance Rates with An Accident in Halethorpe
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 Halethorpe, MD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Halethorpe
The cheapest car insurance companies after an at-fault accident in
Halethorpe include Erie
and USAA, offering $988
and $1123,
respectively. Encompass is an expensive provider
with an average six-month premium of
$883.
Here is a list of driving violations that can increase your car
insurance rates in Halethorpe MD. For example, the car
insurance in Halethorpe
after a DUI increases to $1512 for a six
month policy. While the rate increases by $350 for a six-month policy in the case of
a speeding ticket.
Halethorpe auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1608
$268
One Med/PIP claim
$1663
$283
Not-at-fault accident
$1727
$288
One comp claim
$1735
$295
Two Med/PIP claims
$1767
$295
Failure to wear a seat belt
$1822
$310
Failure to show documents
$1871
$312
Child safety restraint
$1887
$320
Two comp claims
$1887
$315
Driving with expired registration
$1934
$328
Cell phone violation
$1958
$327
Driving too slowly
$1958
$332
Failure to stop at a red light
$1958
$327
Failure to yield
$1958
$332
Following too closely
$1958
$327
Illegal turn
$1958
$332
Improper passing
$1958
$327
Speeding 11 - 15 MPH over limit
$1958
$332
Speeding 16 - 20 MPH over limit
$1958
$327
Speeding 6 - 10 MPH over limit
$1958
$332
Texting while driving
$1958
$327
Wrong way/wrong lane
$1958
$332
Speeding in school zone
$1982
$331
At-fault accident - less than $1000
$2022
$344
Passing school bus
$2030
$338
Driving without lights
$2038
$347
Open container
$2046
$340
Operating a vehicle without permission
$2069
$352
Speeding 21 - 25 MPH over limit
$2141
$356
In 65 MPH zone
$2340
$398
At-fault accident - $1000-$2000
$2412
$402
At-fault accident - greater than $2000
$2412
$410
Reckless driving
$2754
$460
Racing
$2961
$504
Driving with a suspended license
$3008
$501
Refusal to submit to a chemical test
$3105
$528
DUI
$3120
$520
Leaving scene of an accident/hit and run
$3144
$535
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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 Halethorpe 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 Halethorpe.
The cheapest car insurance premiums in
Halethorpe are
offered by Erie at $844 for a six-month policy.
However, it can be as
expensive as $3471 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 Halethorpe are offered by State Farm
at $756. However,
it can be as expensive as $3248
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Halethorpe after Speeding ticket
Car Insurance Price Trends in Halethorpe,
Maryland
Car insurance rates in Halethorpe have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Halethorpe rose by
$285 in December
compared to $284 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 Halethorpe remained steady at $103 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Halethorpe 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
Halethorpe. At $2722 for a
six-month policy, insuring
your car at 21227 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Halethorpe?
The car insurance in Halethorpe is $67 per month, which is lower than the national average.
What is the cheapest car insurance in Halethorpe?
The cheapest car insurance in Halethorpe
is $169 per month
for full coverage.
How much is car insurance in Halethorpe for teenagers?
Car insurance for teenagers costs $598 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
Halethorpe?
The average cost of car insurance is $1016 for a six-month
policy. It will cost around $229 per month to insure your
car in Halethorpe.
Is car insurance expensive in Halethorpe?
Car insurance can be expensive in Halethorpe if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Halethorpe can be
affordable.
What is the best car insurance in Halethorpe,
MD?
The best car insurance company in Halethorpe
MD is
Kemper, offering $996 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Halethorpe, MD
Car Insurance Rates by State in the USA (2025 Update)
Halethorpe Car Insurance
