Cheapest Car Insurance Quotes in Landover

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Landover Car Insurance

^$ 69

/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 Landover

The car insurance rate in Landover is $1402 for a six-month policy, which is $386 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1025, making it a popular choice for budget-conscious drivers. Rates in Landover 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 Landover

$1402

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Landover

1st place: Kemper

At $1025 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1107 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 $1132 for six months, making it the third cheapest auto insurance company in Landover.

Landover Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Landover, MD is Kemper, offering policies at just $1025 for a six-month term. This is followed by USAA, which has an average six-month premium of $1107.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2623 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Landover drivers find the best deals.

Cheap Car Insurance Companies in Landover, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1025	$174
USAA	$1107	$186
State Farm	$1132	$190
Travelers	$1132	$190
Nationwide	$1311	$221
Erie	$1352	$228
Progressive	$1541	$259
Allstate	$2623	$442

Key Takeaways

Way's key takeaways about car insurance in Landover

The auto insurance costs in Landover fall around $1025 for six months.
The cheapest auto insurance company in Landover is USAA.
Teen drivers pay the highest rate in Landover at $1842 per month.

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Cheapest Minimum Liability Car Insurance in Landover

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 Landover are given below.

USAA provides the cheapest minimum car insurance coverage in Landover. Their Average 6 Month Premium is $410. Allstate is the most expensive at $1435 for the same period.

Cheapest Liability Coverage in Landover, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$410	$69
Travelers	$566	$95
State Farm	$574	$97
Kemper	$582	$97
Erie	$607	$102
Progressive	$713	$120
Nationwide	$738	$124
Allstate	$1435	$241

Cheapest Full Coverage Car Insurance in Landover

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 Landover is Kemper at $174 per month and $1025 for six months.

Cheapest Full Coverage Car Insurance Quotes in Landover, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1025	$174
USAA	$1107	$186
State Farm	$1132	$190
Travelers	$1132	$190
Nationwide	$1311	$221
Erie	$1352	$228
Progressive	$1541	$259
Allstate	$2623	$442

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Average Car Insurance in Landover 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 Landover, MD increasing?

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

Car Insurance Premiums by Age in Landover

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	$945
30s	Travelers	$806
40s	Travelers	$734
50s	Travelers	$694
60s	Travelers	$778
70s	USAA	$822

Cheapest Car Insurance Rates for Teen Drivers in Landover,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Landover at $105 per month. At $10943 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$615	$105
Erie	$1598	$269
Travelers	$1869	$315
USAA	$2000	$337
State Farm	$2713	$457
Progressive	$3451	$581
Nationwide	$5181	$872
Allstate	$10943	$1842

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 Landover.

As young drivers face the highest rates in Landover, Travelers offers the cheapest auto insurance rates at $945 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 Landover, USAA is the cheapest car insurance provider. At $1296 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 Landover is State Farm, offering rates of around $4902 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1296	$215
Progressive	$1336	$225
Nationwide	$1697	$286
Travelers	$2393	$407
Erie	$2811	$469
Allstate	$3828	$651
State Farm	$4902	$817

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Car Insurance Rates with An Accident in Landover

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

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

The cheapest car insurance companies after an at-fault accident in Landover include Erie and USAA, offering $1017 and $1156, respectively. Encompass is an expensive provider with an average six-month premium of $909.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1017	$171
USAA	$1156	$195
Travelers	$1172	$197
State Farm	$1263	$213
Progressive	$1533	$258
Nationwide	$2131	$359
Allstate	$4787	$806
Encompass	$909	$152

Landover Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Landover MD. For example, the car insurance in Landover after a DUI increases to $1557 for a six month policy. While the rate increases by $360 for a six-month policy in the case of a speeding ticket.

Landover auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1656	$276
One Med/PIP claim	$1713	$291
Not-at-fault accident	$1779	$297
One comp claim	$1787	$304
Two Med/PIP claims	$1820	$304
Failure to wear a seat belt	$1877	$319
Failure to show documents	$1926	$322
Child safety restraint	$1943	$330
Two comp claims	$1943	$324
Driving with expired registration	$1991	$338
Cell phone violation	$2016	$337
Driving too slowly	$2016	$342
Failure to stop at a red light	$2016	$337
Failure to yield	$2016	$342
Following too closely	$2016	$337
Illegal turn	$2016	$342
Improper passing	$2016	$337
Speeding 11 - 15 MPH over limit	$2016	$342
Speeding 16 - 20 MPH over limit	$2016	$337
Speeding 6 - 10 MPH over limit	$2016	$342
Texting while driving	$2016	$337
Wrong way/wrong lane	$2016	$342
Speeding in school zone	$2041	$341
At-fault accident - less than $1000	$2082	$355
Passing school bus	$2091	$348
Driving without lights	$2099	$357
Open container	$2107	$351
Operating a vehicle without permission	$2131	$363
Speeding 21 - 25 MPH over limit	$2205	$367
In 65 MPH zone	$2409	$410
At-fault accident - $1000-$2000	$2484	$414
At-fault accident - greater than $2000	$2484	$422
Reckless driving	$2836	$473
Racing	$3050	$519
Driving with a suspended license	$3098	$516
Refusal to submit to a chemical test	$3197	$544
DUI	$3213	$535
Leaving scene of an accident/hit and run	$3237	$551

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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 Landover 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 Landover.

The cheapest car insurance premiums in Landover are offered by Erie at $869 for a six-month policy. However, it can be as expensive as $3574 with companies like Nationwide.

Landover car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$869	$146
Travelers	$1271	$214
Progressive	$1656	$279
USAA	$1910	$322
State Farm	$2484	$418
Allstate	$2738	$461
Nationwide	$3574	$602

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 Landover are offered by State Farm at $778. However, it can be as expensive as $3345 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Landover after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$778	$131
USAA	$886	$150
Erie	$1032	$174
Progressive	$1196	$201
Travelers	$1639	$273
Nationwide	$2328	$396
Allstate	$3345	$558

Car Insurance Price Trends in Landover, Maryland

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

The average cost of full coverage in the Landover rose by $294 in December compared to $293 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 Landover remained steady at $106 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 Landover?

The car insurance in Landover is $69 per month, which is lower than the national average.

What is the cheapest car insurance in Landover?

The cheapest car insurance in Landover is $174 per month for full coverage.

How much is car insurance in Landover for teenagers?

Car insurance for teenagers costs $615 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 Landover?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $236 per month to insure your car in Landover.

Is car insurance expensive in Landover?

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

Cheapest Car Insurance Quotes in Landover

Why you can trust Way?

How Much Is Car Insurance in Landover

Avg. Car Insurance in Landover

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Landover

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Landover Car Insurance Rates by Company

Cheap Car Insurance Companies in Landover, MD

Way's key takeaways about car insurance in Landover

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Landover

Cheapest Liability Coverage in Landover, MD

Cheapest Full Coverage Car Insurance in Landover

Cheapest Full Coverage Car Insurance Quotes in Landover, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Landover by Rating Factor

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

Car Insurance Premiums by Age in Landover

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Landover,MD

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

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 Landover

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

Landover Car Insurance Rates by Violation

Landover auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Landover after a DUI

Landover car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Landover after Speeding ticket

Car Insurance Price Trends in Landover, Maryland

Average Car Insurance Cost in Landover by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Landover, MD

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

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