Cheapest Car Insurance Quotes in Lake Arbor

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Lake Arbor Car Insurance

^$ 59

/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 Lake Arbor

The car insurance rate in Lake Arbor is $1199 for a six-month policy, which is $183 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $877, 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

$1199

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Lake Arbor

1st place: Kemper

At $877 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $946 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 $968 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 $877 for a six-month term. This is followed by USAA, which has an average six-month premium of $946.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2243 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	$877	$149
USAA	$946	$159
State Farm	$968	$163
Travelers	$968	$163
Nationwide	$1121	$189
Erie	$1156	$195
Progressive	$1318	$222
Allstate	$2243	$378

Key Takeaways

Way's key takeaways about car insurance in Lake Arbor

The auto insurance costs in Lake Arbor fall around $877 for six months.
The cheapest auto insurance company in Lake Arbor is USAA.
Teen drivers pay the highest rate in Lake Arbor at $1575 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 $350. Allstate is the most expensive at $1227 for the same period.

Cheapest Liability Coverage in Lake Arbor, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$350	$59
Travelers	$484	$81
State Farm	$491	$83
Kemper	$498	$83
Erie	$519	$87
Progressive	$610	$103
Nationwide	$631	$106
Allstate	$1227	$207

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 $149 per month and $877 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Arbor, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$877	$149
USAA	$946	$159
State Farm	$968	$163
Travelers	$968	$163
Nationwide	$1121	$189
Erie	$1156	$195
Progressive	$1318	$222
Allstate	$2243	$378

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$808
30s	Travelers	$689
40s	Travelers	$628
50s	Travelers	$594
60s	Travelers	$666
70s	USAA	$703

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 $9357 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$526	$90
Erie	$1366	$230
Travelers	$1598	$269
USAA	$1710	$288
State Farm	$2320	$391
Progressive	$2951	$497
Nationwide	$4430	$746
Allstate	$9357	$1575

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 Lake Arbor.

As young drivers face the highest rates in Lake Arbor, Travelers offers the cheapest auto insurance rates at $808 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 Lake Arbor, USAA is the cheapest car insurance provider. At $1108 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 State Farm, offering rates of around $4191 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1108	$184
Progressive	$1142	$192
Nationwide	$1451	$244
Travelers	$2046	$348
Erie	$2404	$401
Allstate	$3273	$557
State Farm	$4191	$699

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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 $870 and $989, respectively. Encompass is an expensive provider with an average six-month premium of $778.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$870	$146
USAA	$989	$166
Travelers	$1002	$169
State Farm	$1080	$182
Progressive	$1311	$221
Nationwide	$1822	$307
Allstate	$4093	$689
Encompass	$778	$130

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 $1331 for a six month policy. While the rate increases by $308 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	$1416	$236
One Med/PIP claim	$1464	$249
Not-at-fault accident	$1521	$254
One comp claim	$1528	$260
Two Med/PIP claims	$1556	$260
Failure to wear a seat belt	$1605	$273
Failure to show documents	$1647	$275
Child safety restraint	$1661	$282
Two comp claims	$1661	$277
Driving with expired registration	$1703	$289
Cell phone violation	$1724	$288
Driving too slowly	$1724	$293
Failure to stop at a red light	$1724	$288
Failure to yield	$1724	$293
Following too closely	$1724	$288
Illegal turn	$1724	$293
Improper passing	$1724	$288
Speeding 11 - 15 MPH over limit	$1724	$293
Speeding 16 - 20 MPH over limit	$1724	$288
Speeding 6 - 10 MPH over limit	$1724	$293
Texting while driving	$1724	$288
Wrong way/wrong lane	$1724	$293
Speeding in school zone	$1745	$291
At-fault accident - less than $1000	$1781	$303
Passing school bus	$1788	$297
Driving without lights	$1795	$306
Open container	$1802	$300
Operating a vehicle without permission	$1822	$310
Speeding 21 - 25 MPH over limit	$1886	$314
In 65 MPH zone	$2060	$350
At-fault accident - $1000-$2000	$2124	$354
At-fault accident - greater than $2000	$2124	$361
Reckless driving	$2425	$405
Racing	$2608	$444
Driving with a suspended license	$2649	$441
Refusal to submit to a chemical test	$2734	$465
DUI	$2747	$458
Leaving scene of an accident/hit and run	$2768	$471

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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 $743 for a six-month policy. However, it can be as expensive as $3056 with companies like Nationwide.

Lake Arbor car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$743	$125
Travelers	$1087	$183
Progressive	$1416	$238
USAA	$1633	$275
State Farm	$2124	$358
Allstate	$2341	$394
Nationwide	$3056	$514

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 State Farm at $666. However, it can be as expensive as $2860 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
State Farm	$666	$112
USAA	$758	$129
Erie	$883	$149
Progressive	$1023	$172
Travelers	$1402	$234
Nationwide	$1991	$339
Allstate	$2860	$477

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 $251 in December compared to $250 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 Lake Arbor remained steady at $91 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 Lake Arbor?

The car insurance in Lake Arbor is $59 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 $149 per month for full coverage.

How much is car insurance in Lake Arbor for teenagers?

Car insurance for teenagers costs $526 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 $1016 for a six-month policy. It will cost around $202 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: State Farm

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 Travelers 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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Data Sources