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Finding the cheapest car insurance quotes in Lanham Seabrook shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Lanham Seabrook
The car insurance rate in Lanham Seabrook is $1517 for a six-month policy, which is $313 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $936, making it a popular choice for budget-conscious drivers. Rates in Lanham Seabrook 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.
Cheapest Car Insurance Companies in Lanham Seabrook
1st place: Kemper
At $936 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1033 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $1077
for six months, making it
the third cheapest auto insurance company in Lanham Seabrook.
Lanham Seabrook Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Lanham Seabrook, MD is Kemper, offering policies at just $936 for a six-month term. This is followed by USAA, which has an average six-month premium of $1033.
At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $3016 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lanham Seabrook drivers find the best deals.
Cheap Car Insurance Companies in Lanham Seabrook, MD
Way's key takeaways about car insurance in Lanham Seabrook
The auto insurance costs in Lanham Seabrook fall around $936 for six
months.
The cheapest auto insurance company in Lanham Seabrook is USAA.
Teen drivers pay the highest rate in Lanham Seabrook at $1561 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Lanham Seabrook
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 Lanham Seabrook are given below.
USAA provides
the cheapest minimum car insurance
coverage in Lanham Seabrook. Their Average 6 Month Premium is $382.
Allstate is the most
expensive at $1197 for the same
period.
Cheapest Liability Coverage in Lanham Seabrook, MD
Cheapest Full Coverage Car Insurance in Lanham Seabrook
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 Lanham Seabrook is Kemper
at $159 per month and $936
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lanham Seabrook,
MD
Get Your Car Insurance Quote in Lanham Seabrook
Instantly!
Average Car Insurance in Lanham Seabrook 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 Lanham Seabrook, MD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lanham Seabrook, 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, Lanham Seabrook's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Lanham Seabrook
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
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Cheapest Car Insurance Rates for Teen Drivers in
Lanham Seabrook,MD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Lanham Seabrook at $93
per
month. At $9371 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Lanham Seabrook.
As young drivers face the highest rates in Lanham Seabrook, N/A
offers the cheapest auto insurance rates at $N/A 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 Lanham Seabrook,
USAA is
the cheapest car insurance provider. At $1347 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
Lanham Seabrook is Allstate, offering
rates of around $3495 for six
months.
Save up to $971/yr on car insurance rates in Lanham Seabrook.
Car Insurance Rates with An Accident in Lanham Seabrook
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 Lanham Seabrook, MD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Lanham Seabrook
The cheapest car insurance companies after an at-fault accident in
Lanham Seabrook include Erie
and USAA, offering $1070
and $1092,
respectively. Allstate is an expensive provider
with an average six-month premium of
$4124.
Here is a list of driving violations that can increase your car
insurance rates in Lanham Seabrook MD. For example, the car
insurance in Lanham Seabrook
after a DUI increases to $1421 for a six
month policy. While the rate increases by $329 for a six-month policy in the case of
a speeding ticket.
Lanham Seabrook auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1512
$252
One Med/PIP claim
$1564
$266
Not-at-fault accident
$1624
$271
One comp claim
$1632
$277
Two Med/PIP claims
$1662
$277
Failure to wear a seat belt
$1714
$291
Failure to show documents
$1759
$294
Child safety restraint
$1774
$301
Two comp claims
$1774
$296
Driving with expired registration
$1818
$309
Cell phone violation
$1841
$307
Driving too slowly
$1841
$312
Failure to stop at a red light
$1841
$307
Failure to yield
$1841
$312
Following too closely
$1841
$307
Illegal turn
$1841
$312
Improper passing
$1841
$307
Speeding 11 - 15 MPH over limit
$1841
$312
Speeding 16 - 20 MPH over limit
$1841
$307
Speeding 6 - 10 MPH over limit
$1841
$312
Texting while driving
$1841
$307
Wrong way/wrong lane
$1841
$312
Speeding in school zone
$1864
$311
At-fault accident - less than $1000
$1901
$324
Passing school bus
$1909
$318
Driving without lights
$1916
$326
Open container
$1924
$320
Operating a vehicle without permission
$1945
$331
Speeding 21 - 25 MPH over limit
$2013
$335
In 65 MPH zone
$2200
$374
At-fault accident - $1000-$2000
$2268
$378
At-fault accident - greater than $2000
$2268
$386
Reckless driving
$2589
$432
Racing
$2785
$474
Driving with a suspended license
$2829
$471
Refusal to submit to a chemical test
$2919
$496
DUI
$2933
$489
Leaving scene of an accident/hit and run
$2956
$503
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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 Lanham Seabrook 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 Lanham Seabrook.
The cheapest car insurance premiums in
Lanham Seabrook are
offered by Erie at $898 for a six-month policy.
However, it can be as
expensive as $4438 with companies
like Maryland Auto.
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 Lanham Seabrook are offered by USAA
at $921. However,
it can be as expensive as $3054
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Lanham Seabrook after Speeding ticket
Car Insurance Price Trends in Lanham Seabrook,
Maryland
Car insurance rates in Lanham Seabrook have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lanham Seabrook rose by
$284 in January
compared to $268 of December. In other words, there has been an increase by $16 when you
compare January and December.
The average cost of liability insurance in the Lanham Seabrook rose to $98 in January,
compared to $97 in December.
This represents an increase of $1
when comparing January and December.
Average Car Insurance Cost in Lanham Seabrook by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Lanham Seabrook. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Lanham Seabrook?
The car insurance in Lanham Seabrook is $64 per month, which is lower than the national average.
What is the cheapest car insurance in Lanham Seabrook?
The cheapest car insurance in Lanham Seabrook
is $159 per month
for full coverage.
How much is car insurance in Lanham Seabrook for teenagers?
Car insurance for teenagers costs $562 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
Lanham Seabrook?
The average cost of car insurance is $1204 for a six-month
policy. It will cost around $255 per month to insure your
car in Lanham Seabrook.
Is car insurance expensive in Lanham Seabrook?
Car insurance can be expensive in Lanham Seabrook if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Lanham Seabrook can be
affordable.
What is the best car insurance in Lanham Seabrook,
MD?
The best car insurance company in Lanham Seabrook
MD is
Kemper, offering $936 for a
six-month policy.
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Lanham Seabrook Car Insurance
