Cheapest Car Insurance Quotes in Hillcrest Heights

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Hillcrest Heights Car Insurance

^$ 69

/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 Hillcrest Heights

The car insurance rate in Hillcrest Heights is $1392 for a six-month policy, which is $376 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1018, making it a popular choice for budget-conscious drivers. Rates in Hillcrest Heights 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 Hillcrest Heights

$1392

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Hillcrest Heights

1st place: Kemper

At $1018 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1099 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 $1123 for six months, making it the third cheapest auto insurance company in Hillcrest Heights.

Hillcrest Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hillcrest Heights, MD is Kemper, offering policies at just $1018 for a six-month term. This is followed by USAA, which has an average six-month premium of $1099.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2604 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hillcrest Heights drivers find the best deals.

Cheap Car Insurance Companies in Hillcrest Heights, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1018	$173
USAA	$1099	$185
State Farm	$1123	$189
Travelers	$1123	$189
Nationwide	$1302	$219
Erie	$1343	$226
Progressive	$1530	$258
Allstate	$2604	$438

Key Takeaways

Way's key takeaways about car insurance in Hillcrest Heights

The auto insurance costs in Hillcrest Heights fall around $1018 for six months.
The cheapest auto insurance company in Hillcrest Heights is USAA.
Teen drivers pay the highest rate in Hillcrest Heights at $1829 per month.

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Cheapest Minimum Liability Car Insurance in Hillcrest Heights

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 Hillcrest Heights are given below.

USAA provides the cheapest minimum car insurance coverage in Hillcrest Heights. Their Average 6 Month Premium is $407. Allstate is the most expensive at $1425 for the same period.

Cheapest Liability Coverage in Hillcrest Heights, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$407	$69
Travelers	$562	$95
State Farm	$570	$96
Kemper	$578	$96
Erie	$603	$101
Progressive	$708	$119
Nationwide	$733	$123
Allstate	$1425	$240

Cheapest Full Coverage Car Insurance in Hillcrest Heights

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 Hillcrest Heights is Kemper at $173 per month and $1018 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hillcrest Heights, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1018	$173
USAA	$1099	$185
State Farm	$1123	$189
Travelers	$1123	$189
Nationwide	$1302	$219
Erie	$1343	$226
Progressive	$1530	$258
Allstate	$2604	$438

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Average Car Insurance in Hillcrest Heights 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 Hillcrest Heights, MD increasing?

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

Car Insurance Premiums by Age in Hillcrest Heights

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	$938
30s	Travelers	$800
40s	Travelers	$729
50s	Travelers	$689
60s	Travelers	$773
70s	USAA	$817

Cheapest Car Insurance Rates for Teen Drivers in Hillcrest Heights,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Hillcrest Heights at $104 per month. At $10864 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$611	$104
Erie	$1586	$267
Travelers	$1855	$312
USAA	$1985	$334
State Farm	$2693	$453
Progressive	$3426	$577
Nationwide	$5143	$866
Allstate	$10864	$1829

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 Hillcrest Heights.

As young drivers face the highest rates in Hillcrest Heights, Travelers offers the cheapest auto insurance rates at $938 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 Hillcrest Heights, USAA is the cheapest car insurance provider. At $1286 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 Hillcrest Heights is State Farm, offering rates of around $4866 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1286	$214
Progressive	$1326	$223
Nationwide	$1685	$284
Travelers	$2376	$404
Erie	$2791	$466
Allstate	$3800	$647
State Farm	$4866	$811

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Car Insurance Rates with An Accident in Hillcrest Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Hillcrest Heights

The cheapest car insurance companies after an at-fault accident in Hillcrest Heights include Erie and USAA, offering $1010 and $1148, respectively. Encompass is an expensive provider with an average six-month premium of $903.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1010	$170
USAA	$1148	$193
Travelers	$1163	$196
State Farm	$1254	$211
Progressive	$1522	$256
Nationwide	$2115	$356
Allstate	$4753	$800
Encompass	$903	$151

Hillcrest Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hillcrest Heights MD. For example, the car insurance in Hillcrest Heights after a DUI increases to $1545 for a six month policy. While the rate increases by $358 for a six-month policy in the case of a speeding ticket.

Hillcrest Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1644	$274
One Med/PIP claim	$1700	$289
Not-at-fault accident	$1766	$295
One comp claim	$1774	$301
Two Med/PIP claims	$1807	$301
Failure to wear a seat belt	$1863	$316
Failure to show documents	$1913	$319
Child safety restraint	$1929	$327
Two comp claims	$1929	$322
Driving with expired registration	$1977	$336
Cell phone violation	$2002	$334
Driving too slowly	$2002	$340
Failure to stop at a red light	$2002	$334
Failure to yield	$2002	$340
Following too closely	$2002	$334
Illegal turn	$2002	$340
Improper passing	$2002	$334
Speeding 11 - 15 MPH over limit	$2002	$340
Speeding 16 - 20 MPH over limit	$2002	$334
Speeding 6 - 10 MPH over limit	$2002	$340
Texting while driving	$2002	$334
Wrong way/wrong lane	$2002	$340
Speeding in school zone	$2026	$338
At-fault accident - less than $1000	$2067	$352
Passing school bus	$2076	$345
Driving without lights	$2084	$355
Open container	$2092	$348
Operating a vehicle without permission	$2115	$360
Speeding 21 - 25 MPH over limit	$2189	$364
In 65 MPH zone	$2392	$407
At-fault accident - $1000-$2000	$2466	$411
At-fault accident - greater than $2000	$2466	$419
Reckless driving	$2815	$470
Racing	$3028	$515
Driving with a suspended license	$3076	$512
Refusal to submit to a chemical test	$3174	$540
DUI	$3189	$532
Leaving scene of an accident/hit and run	$3214	$547

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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 Hillcrest Heights 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 Hillcrest Heights.

The cheapest car insurance premiums in Hillcrest Heights are offered by Erie at $863 for a six-month policy. However, it can be as expensive as $3548 with companies like Nationwide.

Hillcrest Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$863	$145
Travelers	$1262	$212
Progressive	$1644	$277
USAA	$1896	$319
State Farm	$2466	$415
Allstate	$2718	$458
Nationwide	$3548	$597

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 Hillcrest Heights are offered by State Farm at $773. However, it can be as expensive as $3321 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hillcrest Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$773	$130
USAA	$880	$149
Erie	$1025	$173
Progressive	$1188	$200
Travelers	$1628	$271
Nationwide	$2311	$393
Allstate	$3321	$553

Car Insurance Price Trends in Hillcrest Heights, Maryland

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

The average cost of full coverage in the Hillcrest Heights rose by $292 in December compared to $290 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 Hillcrest Heights remained steady at $105 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 Hillcrest Heights?

The car insurance in Hillcrest Heights is $69 per month, which is lower than the national average.

What is the cheapest car insurance in Hillcrest Heights?

The cheapest car insurance in Hillcrest Heights is $173 per month for full coverage.

How much is car insurance in Hillcrest Heights for teenagers?

Car insurance for teenagers costs $611 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 Hillcrest Heights?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $234 per month to insure your car in Hillcrest Heights.

Is car insurance expensive in Hillcrest Heights?

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

Cheapest Car Insurance Quotes in Hillcrest Heights

Why you can trust Way?

How Much Is Car Insurance in Hillcrest Heights

Avg. Car Insurance in Hillcrest Heights

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Hillcrest Heights

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Hillcrest Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Hillcrest Heights, MD

Way's key takeaways about car insurance in Hillcrest Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hillcrest Heights

Cheapest Liability Coverage in Hillcrest Heights, MD

Cheapest Full Coverage Car Insurance in Hillcrest Heights

Cheapest Full Coverage Car Insurance Quotes in Hillcrest Heights, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hillcrest Heights by Rating Factor

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

Car Insurance Premiums by Age in Hillcrest Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hillcrest Heights,MD

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

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 Hillcrest Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Hillcrest Heights

Hillcrest Heights Car Insurance Rates by Violation

Hillcrest Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hillcrest Heights after a DUI

Hillcrest Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hillcrest Heights after Speeding ticket

Car Insurance Price Trends in Hillcrest Heights, Maryland

Average Car Insurance Cost in Hillcrest Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hillcrest Heights, MD

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

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