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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 $1250 for a six-month policy, which is $234 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $914, 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 $914 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $986 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 $1009
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 $914 for a six-month term. This is followed by USAA, which has an average six-month premium of $986.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2338 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 $914 for six
months.
The cheapest auto insurance company in Lanham Seabrook is USAA.
Teen drivers pay the highest rate in Lanham Seabrook at $1642 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 $365.
Allstate is the most
expensive at $1279 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 $155 per month and $914
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
20s
Travelers
$843
30s
Travelers
$718
40s
Travelers
$654
50s
Travelers
$619
60s
Travelers
$694
70s
USAA
$733
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 $9754 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Lanham Seabrook.
As young drivers face the highest rates in Lanham Seabrook, Travelers
offers the cheapest auto insurance rates at $843 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 $1155 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 State Farm, offering
rates of around $4369 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 $907
and $1031,
respectively. Encompass is an expensive provider
with an average six-month premium of
$811.
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 $1387 for a six
month policy. While the rate increases by $321 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
$1476
$246
One Med/PIP claim
$1526
$260
Not-at-fault accident
$1585
$264
One comp claim
$1593
$271
Two Med/PIP claims
$1622
$271
Failure to wear a seat belt
$1673
$284
Failure to show documents
$1717
$287
Child safety restraint
$1732
$294
Two comp claims
$1732
$289
Driving with expired registration
$1775
$301
Cell phone violation
$1797
$300
Driving too slowly
$1797
$305
Failure to stop at a red light
$1797
$300
Failure to yield
$1797
$305
Following too closely
$1797
$300
Illegal turn
$1797
$305
Improper passing
$1797
$300
Speeding 11 - 15 MPH over limit
$1797
$305
Speeding 16 - 20 MPH over limit
$1797
$300
Speeding 6 - 10 MPH over limit
$1797
$305
Texting while driving
$1797
$300
Wrong way/wrong lane
$1797
$305
Speeding in school zone
$1819
$304
At-fault accident - less than $1000
$1856
$316
Passing school bus
$1863
$310
Driving without lights
$1871
$319
Open container
$1878
$312
Operating a vehicle without permission
$1899
$323
Speeding 21 - 25 MPH over limit
$1966
$327
In 65 MPH zone
$2148
$365
At-fault accident - $1000-$2000
$2214
$369
At-fault accident - greater than $2000
$2214
$376
Reckless driving
$2528
$422
Racing
$2718
$462
Driving with a suspended license
$2761
$460
Refusal to submit to a chemical test
$2850
$485
DUI
$2863
$477
Leaving scene of an accident/hit and run
$2886
$491
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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 $775 for a six-month policy.
However, it can be as
expensive as $3186 with companies
like Nationwide.
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 State Farm
at $694. However,
it can be as expensive as $2982
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
$262 in December
compared to $261 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 Lanham Seabrook remained steady at $95 in both December and November, indicating no change over the two month period.
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 $62 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 $155 per month
for full coverage.
How much is car insurance in Lanham Seabrook for teenagers?
Car insurance for teenagers costs $549 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 $1016 for a six-month
policy. It will cost around $210 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 $914 for a
six-month policy.
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Lanham Seabrook Car Insurance
