Cheapest Car Insurance Quotes in Laytonsville

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406,175 Policies Sold

Laytonsville Car Insurance

^$ 53

/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 Laytonsville

The car insurance rate in Laytonsville is $1240 for a six-month policy, which is $36 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $765, making it a popular choice for budget-conscious drivers. Rates in Laytonsville 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 Laytonsville

$1240

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Laytonsville

1st place: Kemper

At $765 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $845 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $881 for six months, making it the third cheapest auto insurance company in Laytonsville.

Laytonsville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Laytonsville, MD is Kemper, offering policies at just $765 for a six-month term. This is followed by USAA, which has an average six-month premium of $845.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2466 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Laytonsville drivers find the best deals.

Cheap Car Insurance Companies in Laytonsville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$765	$130
USAA	$845	$142
Travelers	$881	$148
State Farm	$972	$164
Erie	$1053	$177
Nationwide	$1059	$178
Progressive	$1255	$211
Allstate	$1866	$311
Maryland Auto	$2466	$419

Key Takeaways

Way's key takeaways about car insurance in Laytonsville

The auto insurance costs in Laytonsville fall around $765 for six months.
The cheapest auto insurance company in Laytonsville is USAA.
Teen drivers pay the highest rate in Laytonsville at $1276 per month.

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Cheapest Minimum Liability Car Insurance in Laytonsville

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 Laytonsville are given below.

USAA provides the cheapest minimum car insurance coverage in Laytonsville. Their Average 6 Month Premium is $312. Allstate is the most expensive at $979 for the same period.

Cheapest Liability Coverage in Laytonsville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$312	$53
Travelers	$416	$70
Kemper	$435	$72
Erie	$459	$77
State Farm	$465	$78
Nationwide	$581	$98
Progressive	$599	$101
Maryland Auto	$857	$145
Allstate	$979	$163

Cheapest Full Coverage Car Insurance in Laytonsville

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 Laytonsville is Kemper at $130 per month and $765 for six months.

Cheapest Full Coverage Car Insurance Quotes in Laytonsville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$765	$130
USAA	$845	$142
Travelers	$881	$148
State Farm	$972	$164
Erie	$1053	$177
Nationwide	$1059	$178
Progressive	$1255	$211
Allstate	$1866	$311
Maryland Auto	$2466	$419

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Average Car Insurance in Laytonsville 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 Laytonsville, MD increasing?

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

Car Insurance Premiums by Age in Laytonsville

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 Laytonsville,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Laytonsville at $76 per month. At $7660 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$459	$76
Erie	$1432	$241
Travelers	$1523	$256
USAA	$1560	$263
State Farm	$2325	$391
Progressive	$2735	$460
Maryland Auto	$4173	$695
Nationwide	$4564	$768
Allstate	$7660	$1276

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 Laytonsville, USAA is the cheapest car insurance provider. At $1101 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 Laytonsville is Allstate, offering rates of around $2857 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1101	$183
Progressive	$1230	$207
Nationwide	$1603	$270
Travelers	$2068	$351
Maryland Auto	$2466	$411
Erie	$2601	$442
State Farm	$5647	$941
Allstate	$2857	$486

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Car Insurance Rates with An Accident in Laytonsville

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

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

The cheapest car insurance companies after an at-fault accident in Laytonsville include Erie and USAA, offering $874 and $893, respectively. Allstate is an expensive provider with an average six-month premium of $3371.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$874	$147
USAA	$893	$150
Travelers	$942	$159
State Farm	$1059	$178
Progressive	$1261	$212
Nationwide	$1842	$310
Maryland Auto	$3224	$538
Allstate	$3371	$574

Laytonsville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Laytonsville MD. For example, the car insurance in Laytonsville after a DUI increases to $1162 for a six month policy. While the rate increases by $269 for a six-month policy in the case of a speeding ticket.

Laytonsville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1236	$206
One Med/PIP claim	$1278	$217
Not-at-fault accident	$1328	$221
One comp claim	$1334	$227
Two Med/PIP claims	$1359	$227
Failure to wear a seat belt	$1401	$238
Failure to show documents	$1438	$240
Child safety restraint	$1450	$246
Two comp claims	$1450	$242
Driving with expired registration	$1486	$252
Cell phone violation	$1505	$251
Driving too slowly	$1505	$255
Failure to stop at a red light	$1505	$251
Failure to yield	$1505	$255
Following too closely	$1505	$251
Illegal turn	$1505	$255
Improper passing	$1505	$251
Speeding 11 - 15 MPH over limit	$1505	$255
Speeding 16 - 20 MPH over limit	$1505	$251
Speeding 6 - 10 MPH over limit	$1505	$255
Texting while driving	$1505	$251
Wrong way/wrong lane	$1505	$255
Speeding in school zone	$1523	$254
At-fault accident - less than $1000	$1554	$265
Passing school bus	$1560	$260
Driving without lights	$1567	$267
Open container	$1573	$262
Operating a vehicle without permission	$1590	$271
Speeding 21 - 25 MPH over limit	$1646	$274
In 65 MPH zone	$1798	$306
At-fault accident - $1000-$2000	$1854	$309
At-fault accident - greater than $2000	$1854	$315
Reckless driving	$2117	$353
Racing	$2276	$387
Driving with a suspended license	$2312	$385
Refusal to submit to a chemical test	$2387	$406
DUI	$2398	$400
Leaving scene of an accident/hit and run	$2416	$411

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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 Laytonsville 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 Laytonsville.

The cheapest car insurance premiums in Laytonsville are offered by Erie at $734 for a six-month policy. However, it can be as expensive as $3628 with companies like Maryland Auto.

Laytonsville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$734	$124
Travelers	$1009	$170
Progressive	$1359	$229
USAA	$1486	$250
Allstate	$1952	$325
State Farm	$2325	$391
Nationwide	$3182	$536
Maryland Auto	$3628	$617

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 Laytonsville are offered by USAA at $753. However, it can be as expensive as $2497 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Laytonsville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$753	$128
State Farm	$789	$133
Erie	$899	$151
Progressive	$1095	$184
Travelers	$1456	$247
Nationwide	$2343	$390
Maryland Auto	$2466	$419
Allstate	$2497	$416

Car Insurance Price Trends in Laytonsville, Maryland

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

The average cost of full coverage in the Laytonsville rose by $232 in January compared to $219 of December. In other words, there has been an increase by $13 when you compare January and December.

The average cost of liability insurance in the Laytonsville rose to $80 in January, compared to $79 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 Laytonsville?

The car insurance in Laytonsville is $53 per month, which is lower than the national average.

What is the cheapest car insurance in Laytonsville?

The cheapest car insurance in Laytonsville is $130 per month for full coverage.

How much is car insurance in Laytonsville for teenagers?

Car insurance for teenagers costs $459 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 Laytonsville?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $208 per month to insure your car in Laytonsville.

Is car insurance expensive in Laytonsville?

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

Cheapest Car Insurance Quotes in Laytonsville

Why you can trust Way?

How Much Is Car Insurance in Laytonsville

Avg. Car Insurance in Laytonsville

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Laytonsville

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Laytonsville Car Insurance Rates by Company

Cheap Car Insurance Companies in Laytonsville, MD

Way's key takeaways about car insurance in Laytonsville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Laytonsville

Cheapest Liability Coverage in Laytonsville, MD

Cheapest Full Coverage Car Insurance in Laytonsville

Cheapest Full Coverage Car Insurance Quotes in Laytonsville, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Laytonsville by Rating Factor

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

Car Insurance Premiums by Age in Laytonsville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Laytonsville,MD

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

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 Laytonsville

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

Laytonsville Car Insurance Rates by Violation

Laytonsville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Laytonsville after a DUI

Laytonsville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Laytonsville after Speeding ticket

Car Insurance Price Trends in Laytonsville, Maryland

Average Car Insurance Cost in Laytonsville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Laytonsville, MD

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

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