Cheapest Car Insurance Quotes in Hillandale

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Hillandale Car Insurance

^$ 64

/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 Hillandale

The car insurance rate in Hillandale is $1300 for a six-month policy, which is $284 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $951, making it a popular choice for budget-conscious drivers. Rates in Hillandale 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 Hillandale

$1300

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Hillandale

1st place: Kemper

At $951 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1027 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 $1050 for six months, making it the third cheapest auto insurance company in Hillandale.

Hillandale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hillandale, MD is Kemper, offering policies at just $951 for a six-month term. This is followed by USAA, which has an average six-month premium of $1027.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2433 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hillandale drivers find the best deals.

Cheap Car Insurance Companies in Hillandale, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$951	$161
USAA	$1027	$173
State Farm	$1050	$177
Travelers	$1050	$177
Nationwide	$1216	$205
Erie	$1254	$211
Progressive	$1430	$241
Allstate	$2433	$410

Key Takeaways

Way's key takeaways about car insurance in Hillandale

The auto insurance costs in Hillandale fall around $951 for six months.
The cheapest auto insurance company in Hillandale is USAA.
Teen drivers pay the highest rate in Hillandale at $1709 per month.

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Cheapest Minimum Liability Car Insurance in Hillandale

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 Hillandale are given below.

USAA provides the cheapest minimum car insurance coverage in Hillandale. Their Average 6 Month Premium is $380. Allstate is the most expensive at $1331 for the same period.

Cheapest Liability Coverage in Hillandale, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$380	$64
Travelers	$525	$88
State Farm	$532	$90
Kemper	$540	$90
Erie	$563	$95
Progressive	$662	$111
Nationwide	$685	$115
Allstate	$1331	$224

Cheapest Full Coverage Car Insurance in Hillandale

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 Hillandale is Kemper at $161 per month and $951 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hillandale, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$951	$161
USAA	$1027	$173
State Farm	$1050	$177
Travelers	$1050	$177
Nationwide	$1216	$205
Erie	$1254	$211
Progressive	$1430	$241
Allstate	$2433	$410

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Average Car Insurance in Hillandale 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 Hillandale, MD increasing?

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

Car Insurance Premiums by Age in Hillandale

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	$877
30s	Travelers	$748
40s	Travelers	$681
50s	Travelers	$644
60s	Travelers	$722
70s	USAA	$763

Cheapest Car Insurance Rates for Teen Drivers in Hillandale,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Hillandale at $97 per month. At $10150 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$571	$97
Erie	$1482	$250
Travelers	$1733	$292
USAA	$1855	$312
State Farm	$2516	$424
Progressive	$3201	$539
Nationwide	$4805	$809
Allstate	$10150	$1709

Teen Car Insurance Rates in MD by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Hillandale.

As young drivers face the highest rates in Hillandale, Travelers offers the cheapest auto insurance rates at $877 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 Hillandale, USAA is the cheapest car insurance provider. At $1202 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 Hillandale is State Farm, offering rates of around $4547 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1202	$200
Progressive	$1239	$209
Nationwide	$1574	$265
Travelers	$2220	$378
Erie	$2607	$435
Allstate	$3551	$604
State Farm	$4547	$758

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Car Insurance Rates with An Accident in Hillandale

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

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

The cheapest car insurance companies after an at-fault accident in Hillandale include Erie and USAA, offering $943 and $1073, respectively. Encompass is an expensive provider with an average six-month premium of $844.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$943	$159
USAA	$1073	$180
Travelers	$1087	$183
State Farm	$1171	$197
Progressive	$1422	$239
Nationwide	$1976	$333
Allstate	$4440	$748
Encompass	$844	$141

Hillandale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hillandale MD. For example, the car insurance in Hillandale after a DUI increases to $1444 for a six month policy. While the rate increases by $334 for a six-month policy in the case of a speeding ticket.

Hillandale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1536	$256
One Med/PIP claim	$1588	$270
Not-at-fault accident	$1650	$275
One comp claim	$1658	$282
Two Med/PIP claims	$1688	$282
Failure to wear a seat belt	$1741	$296
Failure to show documents	$1787	$298
Child safety restraint	$1802	$306
Two comp claims	$1802	$301
Driving with expired registration	$1847	$314
Cell phone violation	$1870	$312
Driving too slowly	$1870	$317
Failure to stop at a red light	$1870	$312
Failure to yield	$1870	$317
Following too closely	$1870	$312
Illegal turn	$1870	$317
Improper passing	$1870	$312
Speeding 11 - 15 MPH over limit	$1870	$317
Speeding 16 - 20 MPH over limit	$1870	$312
Speeding 6 - 10 MPH over limit	$1870	$317
Texting while driving	$1870	$312
Wrong way/wrong lane	$1870	$317
Speeding in school zone	$1893	$316
At-fault accident - less than $1000	$1932	$329
Passing school bus	$1939	$323
Driving without lights	$1947	$332
Open container	$1955	$325
Operating a vehicle without permission	$1976	$337
Speeding 21 - 25 MPH over limit	$2045	$340
In 65 MPH zone	$2235	$380
At-fault accident - $1000-$2000	$2304	$384
At-fault accident - greater than $2000	$2304	$392
Reckless driving	$2630	$439
Racing	$2829	$481
Driving with a suspended license	$2874	$479
Refusal to submit to a chemical test	$2966	$504
DUI	$2980	$497
Leaving scene of an accident/hit and run	$3003	$511

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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 Hillandale 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 Hillandale.

The cheapest car insurance premiums in Hillandale are offered by Erie at $806 for a six-month policy. However, it can be as expensive as $3315 with companies like Nationwide.

Hillandale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$806	$136
Travelers	$1179	$198
Progressive	$1536	$259
USAA	$1772	$298
State Farm	$2304	$388
Allstate	$2540	$428
Nationwide	$3315	$558

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 Hillandale are offered by State Farm at $722. However, it can be as expensive as $3103 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hillandale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$722	$122
USAA	$822	$140
Erie	$957	$161
Progressive	$1110	$187
Travelers	$1521	$253
Nationwide	$2159	$367
Allstate	$3103	$517

Car Insurance Price Trends in Hillandale, Maryland

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

The average cost of full coverage in the Hillandale rose by $273 in December compared to $271 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Hillandale remained steady at $99 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Hillandale?

The car insurance in Hillandale is $64 per month, which is lower than the national average.

What is the cheapest car insurance in Hillandale?

The cheapest car insurance in Hillandale is $161 per month for full coverage.

How much is car insurance in Hillandale for teenagers?

Car insurance for teenagers costs $571 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 Hillandale?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $219 per month to insure your car in Hillandale.

Is car insurance expensive in Hillandale?

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

Cheapest Car Insurance Quotes in Hillandale

Why you can trust Way?

How Much Is Car Insurance in Hillandale

Avg. Car Insurance in Hillandale

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Hillandale

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Hillandale Car Insurance Rates by Company

Cheap Car Insurance Companies in Hillandale, MD

Way's key takeaways about car insurance in Hillandale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hillandale

Cheapest Liability Coverage in Hillandale, MD

Cheapest Full Coverage Car Insurance in Hillandale

Cheapest Full Coverage Car Insurance Quotes in Hillandale, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hillandale by Rating Factor

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

Car Insurance Premiums by Age in Hillandale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hillandale,MD

If you are in your twenties Travelers is the best choice for car insurance in Hillandale.

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 Hillandale

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

Hillandale Car Insurance Rates by Violation

Hillandale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hillandale after a DUI

Hillandale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hillandale after Speeding ticket

Car Insurance Price Trends in Hillandale, Maryland

Average Car Insurance Cost in Hillandale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hillandale, MD

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

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