Cheapest Car Insurance Quotes in Kemp Mill

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Kemp Mill Car Insurance

^$ 57

/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 Kemp Mill

The car insurance rate in Kemp Mill is $1158 for a six-month policy, which is $142 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $847, making it a popular choice for budget-conscious drivers. Rates in Kemp Mill 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 Kemp Mill

$1158

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Kemp Mill

1st place: Kemper

At $847 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $914 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 $935 for six months, making it the third cheapest auto insurance company in Kemp Mill.

Kemp Mill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kemp Mill, MD is Kemper, offering policies at just $847 for a six-month term. This is followed by USAA, which has an average six-month premium of $914.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2167 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kemp Mill drivers find the best deals.

Cheap Car Insurance Companies in Kemp Mill, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$847	$144
USAA	$914	$154
State Farm	$935	$157
Travelers	$935	$157
Nationwide	$1083	$182
Erie	$1117	$188
Progressive	$1273	$214
Allstate	$2167	$365

Key Takeaways

Way's key takeaways about car insurance in Kemp Mill

The auto insurance costs in Kemp Mill fall around $847 for six months.
The cheapest auto insurance company in Kemp Mill is USAA.
Teen drivers pay the highest rate in Kemp Mill at $1522 per month.

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Cheapest Minimum Liability Car Insurance in Kemp Mill

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 Kemp Mill are given below.

USAA provides the cheapest minimum car insurance coverage in Kemp Mill. Their Average 6 Month Premium is $339. Allstate is the most expensive at $1186 for the same period.

Cheapest Liability Coverage in Kemp Mill, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$339	$57
Travelers	$467	$79
State Farm	$474	$80
Kemper	$481	$80
Erie	$502	$84
Progressive	$589	$99
Nationwide	$610	$103
Allstate	$1186	$199

Cheapest Full Coverage Car Insurance in Kemp Mill

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 Kemp Mill is Kemper at $144 per month and $847 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kemp Mill, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$847	$144
USAA	$914	$154
State Farm	$935	$157
Travelers	$935	$157
Nationwide	$1083	$182
Erie	$1117	$188
Progressive	$1273	$214
Allstate	$2167	$365

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Average Car Insurance in Kemp Mill 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 Kemp Mill, MD increasing?

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

Car Insurance Premiums by Age in Kemp Mill

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	$781
30s	Travelers	$666
40s	Travelers	$606
50s	Travelers	$573
60s	Travelers	$643
70s	USAA	$679

Cheapest Car Insurance Rates for Teen Drivers in Kemp Mill,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Kemp Mill at $87 per month. At $9040 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$508	$87
Erie	$1320	$222
Travelers	$1544	$260
USAA	$1652	$278
State Farm	$2241	$377
Progressive	$2851	$480
Nationwide	$4280	$720
Allstate	$9040	$1522

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 Kemp Mill.

As young drivers face the highest rates in Kemp Mill, Travelers offers the cheapest auto insurance rates at $781 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 Kemp Mill, USAA is the cheapest car insurance provider. At $1070 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 Kemp Mill is State Farm, offering rates of around $4049 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1070	$178
Progressive	$1104	$186
Nationwide	$1402	$236
Travelers	$1977	$336
Erie	$2322	$388
Allstate	$3162	$538
State Farm	$4049	$675

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Car Insurance Rates with An Accident in Kemp Mill

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

Cheapest Car Insurance Companies after an At-Fault Accident in Kemp Mill

The cheapest car insurance companies after an at-fault accident in Kemp Mill include Erie and USAA, offering $840 and $955, respectively. Encompass is an expensive provider with an average six-month premium of $751.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$840	$141
USAA	$955	$161
Travelers	$968	$163
State Farm	$1043	$176
Progressive	$1267	$213
Nationwide	$1760	$296
Allstate	$3955	$666
Encompass	$751	$125

Kemp Mill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kemp Mill MD. For example, the car insurance in Kemp Mill after a DUI increases to $1286 for a six month policy. While the rate increases by $298 for a six-month policy in the case of a speeding ticket.

Kemp Mill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1368	$228
One Med/PIP claim	$1415	$241
Not-at-fault accident	$1469	$245
One comp claim	$1476	$251
Two Med/PIP claims	$1504	$251
Failure to wear a seat belt	$1550	$263
Failure to show documents	$1591	$266
Child safety restraint	$1605	$272
Two comp claims	$1605	$268
Driving with expired registration	$1645	$279
Cell phone violation	$1666	$278
Driving too slowly	$1666	$283
Failure to stop at a red light	$1666	$278
Failure to yield	$1666	$283
Following too closely	$1666	$278
Illegal turn	$1666	$283
Improper passing	$1666	$278
Speeding 11 - 15 MPH over limit	$1666	$283
Speeding 16 - 20 MPH over limit	$1666	$278
Speeding 6 - 10 MPH over limit	$1666	$283
Texting while driving	$1666	$278
Wrong way/wrong lane	$1666	$283
Speeding in school zone	$1686	$282
At-fault accident - less than $1000	$1720	$293
Passing school bus	$1727	$287
Driving without lights	$1734	$295
Open container	$1741	$290
Operating a vehicle without permission	$1760	$300
Speeding 21 - 25 MPH over limit	$1822	$303
In 65 MPH zone	$1990	$339
At-fault accident - $1000-$2000	$2052	$342
At-fault accident - greater than $2000	$2052	$349
Reckless driving	$2343	$391
Racing	$2519	$429
Driving with a suspended license	$2559	$426
Refusal to submit to a chemical test	$2641	$449
DUI	$2654	$442
Leaving scene of an accident/hit and run	$2674	$455

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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 Kemp Mill 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 Kemp Mill.

The cheapest car insurance premiums in Kemp Mill are offered by Erie at $718 for a six-month policy. However, it can be as expensive as $2953 with companies like Nationwide.

Kemp Mill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$718	$121
Travelers	$1050	$177
Progressive	$1368	$230
USAA	$1578	$266
State Farm	$2052	$345
Allstate	$2262	$381
Nationwide	$2953	$497

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 Kemp Mill are offered by State Farm at $643. However, it can be as expensive as $2763 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Kemp Mill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$643	$108
USAA	$732	$124
Erie	$853	$144
Progressive	$988	$166
Travelers	$1354	$226
Nationwide	$1923	$327
Allstate	$2763	$461

Car Insurance Price Trends in Kemp Mill, Maryland

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

The average cost of full coverage in the Kemp Mill rose by $243 in December compared to $242 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 Kemp Mill remained steady at $88 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 Kemp Mill?

The car insurance in Kemp Mill is $57 per month, which is lower than the national average.

What is the cheapest car insurance in Kemp Mill?

The cheapest car insurance in Kemp Mill is $144 per month for full coverage.

How much is car insurance in Kemp Mill for teenagers?

Car insurance for teenagers costs $508 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 Kemp Mill?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $195 per month to insure your car in Kemp Mill.

Is car insurance expensive in Kemp Mill?

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

Cheapest Car Insurance Quotes in Kemp Mill

Why you can trust Way?

How Much Is Car Insurance in Kemp Mill

Avg. Car Insurance in Kemp Mill

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Kemp Mill

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Kemp Mill Car Insurance Rates by Company

Cheap Car Insurance Companies in Kemp Mill, MD

Way's key takeaways about car insurance in Kemp Mill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Kemp Mill

Cheapest Liability Coverage in Kemp Mill, MD

Cheapest Full Coverage Car Insurance in Kemp Mill

Cheapest Full Coverage Car Insurance Quotes in Kemp Mill, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Kemp Mill by Rating Factor

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

Car Insurance Premiums by Age in Kemp Mill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Kemp Mill,MD

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

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 Kemp Mill

Cheapest Car Insurance Companies after an At-Fault Accident in Kemp Mill

Kemp Mill Car Insurance Rates by Violation

Kemp Mill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Kemp Mill after a DUI

Kemp Mill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Kemp Mill after Speeding ticket

Car Insurance Price Trends in Kemp Mill, Maryland

Average Car Insurance Cost in Kemp Mill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Kemp Mill, MD

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

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