Cheapest Car Insurance Quotes in Langley Park

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Langley Park Car Insurance

^$ 65

/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 Langley Park

The car insurance rate in Langley Park is $1529 for a six-month policy, which is $325 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $944, making it a popular choice for budget-conscious drivers. Rates in Langley Park 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 Langley Park

$1529

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Langley Park

1st place: Kemper

At $944 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1041 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1086 for six months, making it the third cheapest auto insurance company in Langley Park.

Langley Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Langley Park, MD is Kemper, offering policies at just $944 for a six-month term. This is followed by USAA, which has an average six-month premium of $1041.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $3040 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Langley Park drivers find the best deals.

Cheap Car Insurance Companies in Langley Park, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$944	$160
USAA	$1041	$175
Travelers	$1086	$183
State Farm	$1199	$202
Erie	$1298	$218
Nationwide	$1306	$220
Progressive	$1547	$260
Allstate	$2301	$384
Maryland Auto	$3040	$517

Key Takeaways

Way's key takeaways about car insurance in Langley Park

The auto insurance costs in Langley Park fall around $944 for six months.
The cheapest auto insurance company in Langley Park is USAA.
Teen drivers pay the highest rate in Langley Park at $1574 per month.

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Cheapest Minimum Liability Car Insurance in Langley Park

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 Langley Park are given below.

USAA provides the cheapest minimum car insurance coverage in Langley Park. Their Average 6 Month Premium is $385. Allstate is the most expensive at $1207 for the same period.

Cheapest Liability Coverage in Langley Park, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$385	$65
Travelers	$513	$86
Kemper	$536	$89
Erie	$566	$95
State Farm	$573	$97
Nationwide	$716	$121
Progressive	$739	$124
Maryland Auto	$1057	$179
Allstate	$1207	$201

Cheapest Full Coverage Car Insurance in Langley Park

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 Langley Park is Kemper at $160 per month and $944 for six months.

Cheapest Full Coverage Car Insurance Quotes in Langley Park, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$944	$160
USAA	$1041	$175
Travelers	$1086	$183
State Farm	$1199	$202
Erie	$1298	$218
Nationwide	$1306	$220
Progressive	$1547	$260
Allstate	$2301	$384
Maryland Auto	$3040	$517

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Average Car Insurance in Langley Park 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 Langley Park, MD increasing?

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

Car Insurance Premiums by Age in Langley Park

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 Langley Park,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Langley Park at $94 per month. At $9445 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$566	$94
Erie	$1765	$297
Travelers	$1878	$316
USAA	$1924	$324
State Farm	$2866	$483
Progressive	$3372	$568
Maryland Auto	$5145	$857
Nationwide	$5627	$947
Allstate	$9445	$1574

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 Langley Park, USAA is the cheapest car insurance provider. At $1358 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 Langley Park is Allstate, offering rates of around $3523 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1358	$226
Progressive	$1516	$255
Nationwide	$1976	$333
Travelers	$2550	$433
Maryland Auto	$3040	$507
Erie	$3207	$545
State Farm	$6963	$1161
Allstate	$3523	$599

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Car Insurance Rates with An Accident in Langley Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Langley Park

The cheapest car insurance companies after an at-fault accident in Langley Park include Erie and USAA, offering $1078 and $1101, respectively. Allstate is an expensive provider with an average six-month premium of $4157.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1078	$182
USAA	$1101	$185
Travelers	$1162	$196
State Farm	$1306	$220
Progressive	$1554	$262
Nationwide	$2271	$382
Maryland Auto	$3975	$663
Allstate	$4157	$707

Langley Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Langley Park MD. For example, the car insurance in Langley Park after a DUI increases to $1433 for a six month policy. While the rate increases by $331 for a six-month policy in the case of a speeding ticket.

Langley Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1524	$254
One Med/PIP claim	$1576	$268
Not-at-fault accident	$1637	$273
One comp claim	$1645	$279
Two Med/PIP claims	$1675	$279
Failure to wear a seat belt	$1727	$293
Failure to show documents	$1773	$296
Child safety restraint	$1788	$304
Two comp claims	$1788	$298
Driving with expired registration	$1833	$311
Cell phone violation	$1855	$310
Driving too slowly	$1855	$315
Failure to stop at a red light	$1855	$310
Failure to yield	$1855	$315
Following too closely	$1855	$310
Illegal turn	$1855	$315
Improper passing	$1855	$310
Speeding 11 - 15 MPH over limit	$1855	$315
Speeding 16 - 20 MPH over limit	$1855	$310
Speeding 6 - 10 MPH over limit	$1855	$315
Texting while driving	$1855	$310
Wrong way/wrong lane	$1855	$315
Speeding in school zone	$1878	$314
At-fault accident - less than $1000	$1916	$326
Passing school bus	$1924	$320
Driving without lights	$1932	$329
Open container	$1939	$323
Operating a vehicle without permission	$1961	$334
Speeding 21 - 25 MPH over limit	$2029	$338
In 65 MPH zone	$2217	$377
At-fault accident - $1000-$2000	$2286	$381
At-fault accident - greater than $2000	$2286	$389
Reckless driving	$2610	$436
Racing	$2807	$478
Driving with a suspended license	$2851	$475
Refusal to submit to a chemical test	$2943	$500
DUI	$2957	$493
Leaving scene of an accident/hit and run	$2979	$507

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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 Langley Park 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 Langley Park.

The cheapest car insurance premiums in Langley Park are offered by Erie at $906 for a six-month policy. However, it can be as expensive as $4473 with companies like Maryland Auto.

Langley Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$906	$152
Travelers	$1245	$210
Progressive	$1675	$282
USAA	$1833	$309
Allstate	$2407	$401
State Farm	$2866	$483
Nationwide	$3923	$660
Maryland Auto	$4473	$761

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 Langley Park are offered by USAA at $928. However, it can be as expensive as $3078 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Langley Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$928	$157
State Farm	$973	$164
Erie	$1109	$187
Progressive	$1350	$227
Travelers	$1796	$305
Nationwide	$2889	$481
Maryland Auto	$3040	$517
Allstate	$3078	$513

Car Insurance Price Trends in Langley Park, Maryland

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

The average cost of full coverage in the Langley Park rose by $286 in January compared to $271 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 Langley Park rose to $99 in January, compared to $98 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 Langley Park?

The car insurance in Langley Park is $65 per month, which is lower than the national average.

What is the cheapest car insurance in Langley Park?

The cheapest car insurance in Langley Park is $160 per month for full coverage.

How much is car insurance in Langley Park for teenagers?

Car insurance for teenagers costs $566 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 Langley Park?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $257 per month to insure your car in Langley Park.

Is car insurance expensive in Langley Park?

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

Cheapest Car Insurance Quotes in Langley Park

Why you can trust Way?

How Much Is Car Insurance in Langley Park

Avg. Car Insurance in Langley Park

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Langley Park

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Langley Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Langley Park, MD

Way's key takeaways about car insurance in Langley Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Langley Park

Cheapest Liability Coverage in Langley Park, MD

Cheapest Full Coverage Car Insurance in Langley Park

Cheapest Full Coverage Car Insurance Quotes in Langley Park, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Langley Park by Rating Factor

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

Car Insurance Premiums by Age in Langley Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Langley Park,MD

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

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 Langley Park

Cheapest Car Insurance Companies after an At-Fault Accident in Langley Park

Langley Park Car Insurance Rates by Violation

Langley Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Langley Park after a DUI

Langley Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Langley Park after Speeding ticket

Car Insurance Price Trends in Langley Park, Maryland

Average Car Insurance Cost in Langley Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Langley Park, MD

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

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