Cheapest Car Insurance Quotes in Kettering

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Kettering Car Insurance

^$ 62

/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 Kettering

The car insurance rate in Kettering is $1457 for a six-month policy, which is $253 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $899, making it a popular choice for budget-conscious drivers. Rates in Kettering 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 Kettering

$1457

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Kettering

1st place: Kemper

At $899 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $992 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1035 for six months, making it the third cheapest auto insurance company in Kettering.

Kettering Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kettering, MD is Kemper, offering policies at just $899 for a six-month term. This is followed by USAA, which has an average six-month premium of $992.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2897 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kettering drivers find the best deals.

Cheap Car Insurance Companies in Kettering, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$899	$152
USAA	$992	$167
Travelers	$1035	$174
State Farm	$1142	$192
Erie	$1237	$208
Nationwide	$1244	$209
Progressive	$1474	$248
Allstate	$2193	$365
Maryland Auto	$2897	$492

Key Takeaways

Way's key takeaways about car insurance in Kettering

The auto insurance costs in Kettering fall around $899 for six months.
The cheapest auto insurance company in Kettering is USAA.
Teen drivers pay the highest rate in Kettering at $1499 per month.

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Cheapest Minimum Liability Car Insurance in Kettering

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 Kettering are given below.

USAA provides the cheapest minimum car insurance coverage in Kettering. Their Average 6 Month Premium is $367. Allstate is the most expensive at $1150 for the same period.

Cheapest Liability Coverage in Kettering, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$367	$62
Travelers	$489	$82
Kemper	$511	$85
Erie	$540	$91
State Farm	$546	$92
Nationwide	$682	$115
Progressive	$704	$119
Maryland Auto	$1007	$171
Allstate	$1150	$191

Cheapest Full Coverage Car Insurance in Kettering

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 Kettering is Kemper at $152 per month and $899 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kettering, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$899	$152
USAA	$992	$167
Travelers	$1035	$174
State Farm	$1142	$192
Erie	$1237	$208
Nationwide	$1244	$209
Progressive	$1474	$248
Allstate	$2193	$365
Maryland Auto	$2897	$492

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Average Car Insurance in Kettering 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 Kettering, MD increasing?

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

Car Insurance Premiums by Age in Kettering

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

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Cheapest Car Insurance Rates for Teen Drivers in Kettering,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Kettering at $90 per month. At $8999 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$540	$90
Erie	$1682	$283
Travelers	$1790	$301
USAA	$1833	$309
State Farm	$2731	$460
Progressive	$3213	$541
Maryland Auto	$4902	$817
Nationwide	$5362	$903
Allstate	$8999	$1499

Teen Car Insurance Rates in MD by Age

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 Kettering, USAA is the cheapest car insurance provider. At $1293 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 Kettering is Allstate, offering rates of around $3357 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1293	$215
Progressive	$1445	$243
Nationwide	$1883	$317
Travelers	$2430	$413
Maryland Auto	$2897	$483
Erie	$3055	$519
State Farm	$6634	$1106
Allstate	$3357	$571

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Car Insurance Rates with An Accident in Kettering

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

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

The cheapest car insurance companies after an at-fault accident in Kettering include Erie and USAA, offering $1027 and $1049, respectively. Allstate is an expensive provider with an average six-month premium of $3960.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1027	$173
USAA	$1049	$177
Travelers	$1107	$186
State Farm	$1244	$209
Progressive	$1481	$249
Nationwide	$2163	$364
Maryland Auto	$3787	$632
Allstate	$3960	$674

Kettering Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kettering MD. For example, the car insurance in Kettering after a DUI increases to $1365 for a six month policy. While the rate increases by $316 for a six-month policy in the case of a speeding ticket.

Kettering auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1452	$242
One Med/PIP claim	$1502	$255
Not-at-fault accident	$1560	$260
One comp claim	$1567	$266
Two Med/PIP claims	$1596	$266
Failure to wear a seat belt	$1646	$280
Failure to show documents	$1689	$282
Child safety restraint	$1704	$289
Two comp claims	$1704	$284
Driving with expired registration	$1746	$296
Cell phone violation	$1768	$295
Driving too slowly	$1768	$300
Failure to stop at a red light	$1768	$295
Failure to yield	$1768	$300
Following too closely	$1768	$295
Illegal turn	$1768	$300
Improper passing	$1768	$295
Speeding 11 - 15 MPH over limit	$1768	$300
Speeding 16 - 20 MPH over limit	$1768	$295
Speeding 6 - 10 MPH over limit	$1768	$300
Texting while driving	$1768	$295
Wrong way/wrong lane	$1768	$300
Speeding in school zone	$1790	$299
At-fault accident - less than $1000	$1826	$311
Passing school bus	$1833	$305
Driving without lights	$1840	$313
Open container	$1848	$307
Operating a vehicle without permission	$1868	$318
Speeding 21 - 25 MPH over limit	$1934	$322
In 65 MPH zone	$2113	$359
At-fault accident - $1000-$2000	$2178	$363
At-fault accident - greater than $2000	$2178	$370
Reckless driving	$2487	$415
Racing	$2674	$455
Driving with a suspended license	$2716	$453
Refusal to submit to a chemical test	$2804	$477
DUI	$2817	$469
Leaving scene of an accident/hit and run	$2839	$483

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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 Kettering 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 Kettering.

The cheapest car insurance premiums in Kettering are offered by Erie at $863 for a six-month policy. However, it can be as expensive as $4262 with companies like Maryland Auto.

Kettering car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$863	$145
Travelers	$1186	$200
Progressive	$1596	$269
USAA	$1746	$294
Allstate	$2293	$382
State Farm	$2731	$460
Nationwide	$3738	$629
Maryland Auto	$4262	$725

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 Kettering are offered by USAA at $885. However, it can be as expensive as $2933 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Kettering after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$885	$150
State Farm	$927	$156
Erie	$1056	$178
Progressive	$1286	$217
Travelers	$1711	$290
Nationwide	$2753	$459
Maryland Auto	$2897	$492
Allstate	$2933	$489

Car Insurance Price Trends in Kettering, Maryland

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

The average cost of full coverage in the Kettering rose by $272 in January compared to $258 of December. In other words, there has been an increase by $14 when you compare January and December.

The average cost of liability insurance in the Kettering rose to $94 in January, compared to $93 in December. This represents an increase of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Kettering?

The car insurance in Kettering is $62 per month, which is lower than the national average.

What is the cheapest car insurance in Kettering?

The cheapest car insurance in Kettering is $152 per month for full coverage.

How much is car insurance in Kettering for teenagers?

Car insurance for teenagers costs $540 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 Kettering?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $244 per month to insure your car in Kettering.

Is car insurance expensive in Kettering?

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

Cheapest Car Insurance Quotes in Kettering

Why you can trust Way?

How Much Is Car Insurance in Kettering

Avg. Car Insurance in Kettering

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Kettering

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Kettering Car Insurance Rates by Company

Cheap Car Insurance Companies in Kettering, MD

Way's key takeaways about car insurance in Kettering

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Kettering

Cheapest Liability Coverage in Kettering, MD

Cheapest Full Coverage Car Insurance in Kettering

Cheapest Full Coverage Car Insurance Quotes in Kettering, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Kettering by Rating Factor

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

Car Insurance Premiums by Age in Kettering

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Kettering,MD

If you are in your twenties N/A is the best choice for car insurance in Kettering.

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 Kettering

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

Kettering Car Insurance Rates by Violation

Kettering auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Kettering after a DUI

Kettering car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Kettering after Speeding ticket

Car Insurance Price Trends in Kettering, Maryland

Average Car Insurance Cost in Kettering by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Kettering, MD

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

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