Cheapest Car Insurance Quotes in Jessup

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Jessup Car Insurance

^$ 54

/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 Jessup

The car insurance rate in Jessup is $1087 for a six-month policy, which is $71 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $795, making it a popular choice for budget-conscious drivers. Rates in Jessup 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 Jessup

$1087

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Jessup

1st place: Kemper

At $795 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $858 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 $877 for six months, making it the third cheapest auto insurance company in Jessup.

Jessup Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Jessup, MD is Kemper, offering policies at just $795 for a six-month term. This is followed by USAA, which has an average six-month premium of $858.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2034 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Jessup drivers find the best deals.

Cheap Car Insurance Companies in Jessup, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$795	$135
USAA	$858	$144
State Farm	$877	$148
Travelers	$877	$148
Nationwide	$1017	$171
Erie	$1049	$177
Progressive	$1195	$201
Allstate	$2034	$342

Key Takeaways

Way's key takeaways about car insurance in Jessup

The auto insurance costs in Jessup fall around $795 for six months.
The cheapest auto insurance company in Jessup is USAA.
Teen drivers pay the highest rate in Jessup at $1428 per month.

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Cheapest Minimum Liability Car Insurance in Jessup

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 Jessup are given below.

USAA provides the cheapest minimum car insurance coverage in Jessup. Their Average 6 Month Premium is $318. Allstate is the most expensive at $1113 for the same period.

Cheapest Liability Coverage in Jessup, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$318	$54
Travelers	$439	$74
State Farm	$445	$75
Kemper	$452	$75
Erie	$471	$79
Progressive	$553	$93
Nationwide	$572	$96
Allstate	$1113	$187

Cheapest Full Coverage Car Insurance in Jessup

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 Jessup is Kemper at $135 per month and $795 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jessup, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$795	$135
USAA	$858	$144
State Farm	$877	$148
Travelers	$877	$148
Nationwide	$1017	$171
Erie	$1049	$177
Progressive	$1195	$201
Allstate	$2034	$342

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Average Car Insurance in Jessup 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 Jessup, MD increasing?

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

Car Insurance Premiums by Age in Jessup

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	$733
30s	Travelers	$625
40s	Travelers	$569
50s	Travelers	$538
60s	Travelers	$603
70s	USAA	$638

Cheapest Car Insurance Rates for Teen Drivers in Jessup,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Jessup at $81 per month. At $8485 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$477	$81
Erie	$1239	$209
Travelers	$1449	$244
USAA	$1550	$261
State Farm	$2104	$354
Progressive	$2676	$450
Nationwide	$4017	$676
Allstate	$8485	$1428

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 Jessup.

As young drivers face the highest rates in Jessup, Travelers offers the cheapest auto insurance rates at $733 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 Jessup, USAA is the cheapest car insurance provider. At $1005 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 Jessup is State Farm, offering rates of around $3801 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1005	$167
Progressive	$1036	$174
Nationwide	$1316	$221
Travelers	$1855	$316
Erie	$2180	$364
Allstate	$2968	$505
State Farm	$3801	$633

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Car Insurance Rates with An Accident in Jessup

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

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

The cheapest car insurance companies after an at-fault accident in Jessup include Erie and USAA, offering $789 and $897, respectively. Encompass is an expensive provider with an average six-month premium of $705.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$789	$133
USAA	$897	$151
Travelers	$908	$153
State Farm	$979	$165
Progressive	$1189	$200
Nationwide	$1652	$278
Allstate	$3712	$625
Encompass	$705	$118

Jessup Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jessup MD. For example, the car insurance in Jessup after a DUI increases to $1207 for a six month policy. While the rate increases by $279 for a six-month policy in the case of a speeding ticket.

Jessup auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1284	$214
One Med/PIP claim	$1328	$226
Not-at-fault accident	$1379	$230
One comp claim	$1386	$235
Two Med/PIP claims	$1411	$235
Failure to wear a seat belt	$1455	$247
Failure to show documents	$1494	$249
Child safety restraint	$1507	$256
Two comp claims	$1507	$251
Driving with expired registration	$1544	$262
Cell phone violation	$1563	$261
Driving too slowly	$1563	$265
Failure to stop at a red light	$1563	$261
Failure to yield	$1563	$265
Following too closely	$1563	$261
Illegal turn	$1563	$265
Improper passing	$1563	$261
Speeding 11 - 15 MPH over limit	$1563	$265
Speeding 16 - 20 MPH over limit	$1563	$261
Speeding 6 - 10 MPH over limit	$1563	$265
Texting while driving	$1563	$261
Wrong way/wrong lane	$1563	$265
Speeding in school zone	$1583	$264
At-fault accident - less than $1000	$1615	$275
Passing school bus	$1621	$270
Driving without lights	$1627	$277
Open container	$1634	$272
Operating a vehicle without permission	$1652	$281
Speeding 21 - 25 MPH over limit	$1710	$285
In 65 MPH zone	$1868	$318
At-fault accident - $1000-$2000	$1926	$321
At-fault accident - greater than $2000	$1926	$327
Reckless driving	$2199	$367
Racing	$2365	$402
Driving with a suspended license	$2402	$400
Refusal to submit to a chemical test	$2479	$422
DUI	$2491	$415
Leaving scene of an accident/hit and run	$2510	$427

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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 Jessup 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 Jessup.

The cheapest car insurance premiums in Jessup are offered by Erie at $674 for a six-month policy. However, it can be as expensive as $2771 with companies like Nationwide.

Jessup car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$674	$113
Travelers	$985	$166
Progressive	$1284	$216
USAA	$1481	$249
State Farm	$1926	$324
Allstate	$2123	$357
Nationwide	$2771	$467

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 Jessup are offered by State Farm at $603. However, it can be as expensive as $2594 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Jessup after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$603	$102
USAA	$687	$117
Erie	$800	$135
Progressive	$928	$156
Travelers	$1271	$212
Nationwide	$1805	$307
Allstate	$2594	$432

Car Insurance Price Trends in Jessup, Maryland

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

The average cost of full coverage in the Jessup rose by $228 in December compared to $227 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 Jessup remained steady at $82 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 Jessup?

The car insurance in Jessup is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Jessup?

The cheapest car insurance in Jessup is $135 per month for full coverage.

How much is car insurance in Jessup for teenagers?

Car insurance for teenagers costs $477 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 Jessup?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $183 per month to insure your car in Jessup.

Is car insurance expensive in Jessup?

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

Cheapest Car Insurance Quotes in Jessup

Why you can trust Way?

How Much Is Car Insurance in Jessup

Avg. Car Insurance in Jessup

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Jessup

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Jessup Car Insurance Rates by Company

Cheap Car Insurance Companies in Jessup, MD

Way's key takeaways about car insurance in Jessup

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Jessup

Cheapest Liability Coverage in Jessup, MD

Cheapest Full Coverage Car Insurance in Jessup

Cheapest Full Coverage Car Insurance Quotes in Jessup, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Jessup by Rating Factor

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

Car Insurance Premiums by Age in Jessup

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Jessup,MD

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

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 Jessup

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

Jessup Car Insurance Rates by Violation

Jessup auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Jessup after a DUI

Jessup car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Jessup after Speeding ticket

Car Insurance Price Trends in Jessup, Maryland

Average Car Insurance Cost in Jessup by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Jessup, MD

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

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