Cheapest Car Insurance Quotes in Lake Arbor

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Lake Arbor Car Insurance

^$ 62

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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 Lake Arbor

The car insurance rate in Lake Arbor is $1469 for a six-month policy, which is $265 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $906, making it a popular choice for budget-conscious drivers. Rates in Lake Arbor 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 Lake Arbor

$1469

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Lake Arbor

1st place: Kemper

At $906 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1000 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1043 for six months, making it the third cheapest auto insurance company in Lake Arbor.

Lake Arbor Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Arbor, MD is Kemper, offering policies at just $906 for a six-month term. This is followed by USAA, which has an average six-month premium of $1000.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2921 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Arbor drivers find the best deals.

Cheap Car Insurance Companies in Lake Arbor, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$906	$154
USAA	$1000	$168
Travelers	$1043	$176
State Farm	$1152	$194
Erie	$1247	$210
Nationwide	$1254	$211
Progressive	$1486	$250
Allstate	$2211	$368
Maryland Auto	$2921	$497

Key Takeaways

Way's key takeaways about car insurance in Lake Arbor

The auto insurance costs in Lake Arbor fall around $906 for six months.
The cheapest auto insurance company in Lake Arbor is USAA.
Teen drivers pay the highest rate in Lake Arbor at $1512 per month.

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Cheapest Minimum Liability Car Insurance in Lake Arbor

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 Lake Arbor are given below.

USAA provides the cheapest minimum car insurance coverage in Lake Arbor. Their Average 6 Month Premium is $370. Allstate is the most expensive at $1159 for the same period.

Cheapest Liability Coverage in Lake Arbor, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$370	$62
Travelers	$493	$83
Kemper	$515	$85
Erie	$544	$92
State Farm	$550	$93
Nationwide	$688	$116
Progressive	$710	$120
Maryland Auto	$1015	$172
Allstate	$1159	$193

Cheapest Full Coverage Car Insurance in Lake Arbor

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 Lake Arbor is Kemper at $154 per month and $906 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Arbor, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$906	$154
USAA	$1000	$168
Travelers	$1043	$176
State Farm	$1152	$194
Erie	$1247	$210
Nationwide	$1254	$211
Progressive	$1486	$250
Allstate	$2211	$368
Maryland Auto	$2921	$497

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Average Car Insurance in Lake Arbor 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 Lake Arbor, MD increasing?

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

Car Insurance Premiums by Age in Lake Arbor

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 Lake Arbor,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Lake Arbor at $90 per month. At $9073 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$544	$90
Erie	$1696	$285
Travelers	$1804	$304
USAA	$1848	$311
State Farm	$2754	$464
Progressive	$3239	$545
Maryland Auto	$4942	$824
Nationwide	$5406	$910
Allstate	$9073	$1512

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 Lake Arbor, USAA is the cheapest car insurance provider. At $1304 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 Lake Arbor is Allstate, offering rates of around $3384 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1304	$217
Progressive	$1457	$245
Nationwide	$1898	$320
Travelers	$2450	$416
Maryland Auto	$2921	$487
Erie	$3081	$523
State Farm	$6689	$1115
Allstate	$3384	$576

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Car Insurance Rates with An Accident in Lake Arbor

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Arbor

The cheapest car insurance companies after an at-fault accident in Lake Arbor include Erie and USAA, offering $1036 and $1058, respectively. Allstate is an expensive provider with an average six-month premium of $3993.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1036	$174
USAA	$1058	$178
Travelers	$1116	$188
State Farm	$1254	$211
Progressive	$1493	$251
Nationwide	$2181	$367
Maryland Auto	$3819	$637
Allstate	$3993	$680

Lake Arbor Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Arbor MD. For example, the car insurance in Lake Arbor after a DUI increases to $1376 for a six month policy. While the rate increases by $318 for a six-month policy in the case of a speeding ticket.

Lake Arbor auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1464	$244
One Med/PIP claim	$1514	$257
Not-at-fault accident	$1573	$262
One comp claim	$1580	$268
Two Med/PIP claims	$1609	$268
Failure to wear a seat belt	$1659	$282
Failure to show documents	$1703	$284
Child safety restraint	$1718	$292
Two comp claims	$1718	$287
Driving with expired registration	$1760	$299
Cell phone violation	$1782	$298
Driving too slowly	$1782	$303
Failure to stop at a red light	$1782	$298
Failure to yield	$1782	$303
Following too closely	$1782	$298
Illegal turn	$1782	$303
Improper passing	$1782	$298
Speeding 11 - 15 MPH over limit	$1782	$303
Speeding 16 - 20 MPH over limit	$1782	$298
Speeding 6 - 10 MPH over limit	$1782	$303
Texting while driving	$1782	$298
Wrong way/wrong lane	$1782	$303
Speeding in school zone	$1804	$301
At-fault accident - less than $1000	$1841	$314
Passing school bus	$1848	$307
Driving without lights	$1856	$316
Open container	$1863	$310
Operating a vehicle without permission	$1884	$321
Speeding 21 - 25 MPH over limit	$1950	$325
In 65 MPH zone	$2130	$362
At-fault accident - $1000-$2000	$2196	$366
At-fault accident - greater than $2000	$2196	$373
Reckless driving	$2507	$418
Racing	$2696	$459
Driving with a suspended license	$2739	$456
Refusal to submit to a chemical test	$2827	$481
DUI	$2840	$473
Leaving scene of an accident/hit and run	$2862	$487

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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 Lake Arbor 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 Lake Arbor.

The cheapest car insurance premiums in Lake Arbor are offered by Erie at $870 for a six-month policy. However, it can be as expensive as $4297 with companies like Maryland Auto.

Lake Arbor car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$870	$146
Travelers	$1196	$201
Progressive	$1609	$271
USAA	$1760	$296
Allstate	$2312	$386
State Farm	$2754	$464
Nationwide	$3769	$634
Maryland Auto	$4297	$731

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 Lake Arbor are offered by USAA at $892. However, it can be as expensive as $2957 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lake Arbor after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$892	$151
State Farm	$935	$157
Erie	$1065	$179
Progressive	$1297	$218
Travelers	$1725	$293
Nationwide	$2776	$462
Maryland Auto	$2921	$497
Allstate	$2957	$493

Car Insurance Price Trends in Lake Arbor, Maryland

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

The average cost of full coverage in the Lake Arbor rose by $275 in January compared to $260 of December. In other words, there has been an increase by $15 when you compare January and December.

The average cost of liability insurance in the Lake Arbor rose to $95 in January, compared to $94 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 Lake Arbor?

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

What is the cheapest car insurance in Lake Arbor?

The cheapest car insurance in Lake Arbor is $154 per month for full coverage.

How much is car insurance in Lake Arbor for teenagers?

Car insurance for teenagers costs $544 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 Lake Arbor?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $246 per month to insure your car in Lake Arbor.

Is car insurance expensive in Lake Arbor?

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

Cheapest Car Insurance Quotes in Lake Arbor

Why you can trust Way?

How Much Is Car Insurance in Lake Arbor

Avg. Car Insurance in Lake Arbor

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Lake Arbor

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Lake Arbor Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Arbor, MD

Way's key takeaways about car insurance in Lake Arbor

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Arbor

Cheapest Liability Coverage in Lake Arbor, MD

Cheapest Full Coverage Car Insurance in Lake Arbor

Cheapest Full Coverage Car Insurance Quotes in Lake Arbor, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Arbor by Rating Factor

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

Car Insurance Premiums by Age in Lake Arbor

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake Arbor,MD

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

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 Lake Arbor

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Arbor

Lake Arbor Car Insurance Rates by Violation

Lake Arbor auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Arbor after a DUI

Lake Arbor car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Arbor after Speeding ticket

Car Insurance Price Trends in Lake Arbor, Maryland

Average Car Insurance Cost in Lake Arbor by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Arbor, MD

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

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