Cheapest Car Insurance Quotes in Huntingtown

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Huntingtown Car Insurance

^$ 47

/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 Huntingtown

The car insurance rate in Huntingtown is $945 for a six-month policy, which is $71 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $691, making it a popular choice for budget-conscious drivers. Rates in Huntingtown 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 Huntingtown

$945

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Huntingtown

1st place: Kemper

At $691 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $746 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 $763 for six months, making it the third cheapest auto insurance company in Huntingtown.

Huntingtown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Huntingtown, MD is Kemper, offering policies at just $691 for a six-month term. This is followed by USAA, which has an average six-month premium of $746.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1768 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Huntingtown drivers find the best deals.

Cheap Car Insurance Companies in Huntingtown, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$691	$117
USAA	$746	$126
State Farm	$763	$128
Travelers	$763	$128
Nationwide	$884	$149
Erie	$911	$153
Progressive	$1039	$175
Allstate	$1768	$298

Key Takeaways

Way's key takeaways about car insurance in Huntingtown

The auto insurance costs in Huntingtown fall around $691 for six months.
The cheapest auto insurance company in Huntingtown is USAA.
Teen drivers pay the highest rate in Huntingtown at $1242 per month.

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Cheapest Minimum Liability Car Insurance in Huntingtown

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 Huntingtown are given below.

USAA provides the cheapest minimum car insurance coverage in Huntingtown. Their Average 6 Month Premium is $276. Allstate is the most expensive at $967 for the same period.

Cheapest Liability Coverage in Huntingtown, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$276	$47
Travelers	$381	$64
State Farm	$387	$65
Kemper	$392	$65
Erie	$409	$69
Progressive	$481	$81
Nationwide	$498	$84
Allstate	$967	$163

Cheapest Full Coverage Car Insurance in Huntingtown

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 Huntingtown is Kemper at $117 per month and $691 for six months.

Cheapest Full Coverage Car Insurance Quotes in Huntingtown, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$691	$117
USAA	$746	$126
State Farm	$763	$128
Travelers	$763	$128
Nationwide	$884	$149
Erie	$911	$153
Progressive	$1039	$175
Allstate	$1768	$298

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Average Car Insurance in Huntingtown 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 Huntingtown, MD increasing?

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

Car Insurance Premiums by Age in Huntingtown

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	$637
30s	Travelers	$543
40s	Travelers	$495
50s	Travelers	$468
60s	Travelers	$525
70s	USAA	$554

Cheapest Car Insurance Rates for Teen Drivers in Huntingtown,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Huntingtown at $71 per month. At $7375 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$415	$71
Erie	$1077	$181
Travelers	$1259	$212
USAA	$1348	$227
State Farm	$1828	$308
Progressive	$2326	$392
Nationwide	$3491	$588
Allstate	$7375	$1242

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 Huntingtown.

As young drivers face the highest rates in Huntingtown, Travelers offers the cheapest auto insurance rates at $637 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 Huntingtown, USAA is the cheapest car insurance provider. At $873 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 Huntingtown is State Farm, offering rates of around $3303 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$873	$145
Progressive	$900	$152
Nationwide	$1144	$193
Travelers	$1613	$274
Erie	$1894	$316
Allstate	$2580	$439
State Farm	$3303	$551

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Save up to $971/yr on car insurance rates in Huntingtown.

Car Insurance Rates with An Accident in Huntingtown

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

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

The cheapest car insurance companies after an at-fault accident in Huntingtown include Erie and USAA, offering $685 and $779, respectively. Encompass is an expensive provider with an average six-month premium of $613.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$685	$115
USAA	$779	$131
Travelers	$790	$133
State Farm	$851	$143
Progressive	$1033	$174
Nationwide	$1436	$242
Allstate	$3226	$543
Encompass	$613	$102

Huntingtown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Huntingtown MD. For example, the car insurance in Huntingtown after a DUI increases to $1049 for a six month policy. While the rate increases by $243 for a six-month policy in the case of a speeding ticket.

Huntingtown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1116	$186
One Med/PIP claim	$1154	$196
Not-at-fault accident	$1199	$200
One comp claim	$1204	$205
Two Med/PIP claims	$1227	$205
Failure to wear a seat belt	$1265	$215
Failure to show documents	$1298	$217
Child safety restraint	$1309	$222
Two comp claims	$1309	$219
Driving with expired registration	$1342	$228
Cell phone violation	$1359	$227
Driving too slowly	$1359	$231
Failure to stop at a red light	$1359	$227
Failure to yield	$1359	$231
Following too closely	$1359	$227
Illegal turn	$1359	$231
Improper passing	$1359	$227
Speeding 11 - 15 MPH over limit	$1359	$231
Speeding 16 - 20 MPH over limit	$1359	$227
Speeding 6 - 10 MPH over limit	$1359	$231
Texting while driving	$1359	$227
Wrong way/wrong lane	$1359	$231
Speeding in school zone	$1375	$230
At-fault accident - less than $1000	$1403	$239
Passing school bus	$1409	$234
Driving without lights	$1415	$241
Open container	$1420	$236
Operating a vehicle without permission	$1436	$245
Speeding 21 - 25 MPH over limit	$1486	$247
In 65 MPH zone	$1624	$276
At-fault accident - $1000-$2000	$1674	$279
At-fault accident - greater than $2000	$1674	$285
Reckless driving	$1911	$319
Racing	$2055	$350
Driving with a suspended license	$2088	$348
Refusal to submit to a chemical test	$2155	$366
DUI	$2165	$361
Leaving scene of an accident/hit and run	$2182	$371

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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 Huntingtown 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 Huntingtown.

The cheapest car insurance premiums in Huntingtown are offered by Erie at $586 for a six-month policy. However, it can be as expensive as $2409 with companies like Nationwide.

Huntingtown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$586	$99
Travelers	$857	$144
Progressive	$1116	$188
USAA	$1287	$217
State Farm	$1674	$282
Allstate	$1845	$311
Nationwide	$2409	$405

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 Huntingtown are offered by State Farm at $525. However, it can be as expensive as $2254 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Huntingtown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$525	$88
USAA	$597	$101
Erie	$696	$117
Progressive	$806	$136
Travelers	$1105	$184
Nationwide	$1569	$267
Allstate	$2254	$376

Car Insurance Price Trends in Huntingtown, Maryland

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

The average cost of full coverage in the Huntingtown rose by $198 in December compared to $197 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 Huntingtown remained steady at $72 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 Huntingtown?

The car insurance in Huntingtown is $47 per month, which is lower than the national average.

What is the cheapest car insurance in Huntingtown?

The cheapest car insurance in Huntingtown is $117 per month for full coverage.

How much is car insurance in Huntingtown for teenagers?

Car insurance for teenagers costs $415 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 Huntingtown?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $159 per month to insure your car in Huntingtown.

Is car insurance expensive in Huntingtown?

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

Cheapest Car Insurance Quotes in Huntingtown

Why you can trust Way?

How Much Is Car Insurance in Huntingtown

Avg. Car Insurance in Huntingtown

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Huntingtown

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Huntingtown Car Insurance Rates by Company

Cheap Car Insurance Companies in Huntingtown, MD

Way's key takeaways about car insurance in Huntingtown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Huntingtown

Cheapest Liability Coverage in Huntingtown, MD

Cheapest Full Coverage Car Insurance in Huntingtown

Cheapest Full Coverage Car Insurance Quotes in Huntingtown, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Huntingtown by Rating Factor

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

Car Insurance Premiums by Age in Huntingtown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Huntingtown,MD

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

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 Huntingtown

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

Huntingtown Car Insurance Rates by Violation

Huntingtown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Huntingtown after a DUI

Huntingtown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Huntingtown after Speeding ticket

Car Insurance Price Trends in Huntingtown, Maryland

Average Car Insurance Cost in Huntingtown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Huntingtown, MD

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

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