Cheapest Car Insurance Quotes in Libertytown

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406,175 Policies Sold

Libertytown Car Insurance

^$ 46

/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 Libertytown

The car insurance rate in Libertytown is $1096 for a six-month policy, which is $108 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $676, making it a popular choice for budget-conscious drivers. Rates in Libertytown 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 Libertytown

$1096

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Libertytown

1st place: Kemper

At $676 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $746 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $778 for six months, making it the third cheapest auto insurance company in Libertytown.

Libertytown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Libertytown, MD is Kemper, offering policies at just $676 for a six-month term. This is followed by USAA, which has an average six-month premium of $746.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2179 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Libertytown drivers find the best deals.

Cheap Car Insurance Companies in Libertytown, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$676	$115
USAA	$746	$126
Travelers	$778	$131
State Farm	$859	$145
Erie	$930	$157
Nationwide	$935	$157
Progressive	$1108	$187
Allstate	$1649	$275
Maryland Auto	$2179	$370

Key Takeaways

Way's key takeaways about car insurance in Libertytown

The auto insurance costs in Libertytown fall around $676 for six months.
The cheapest auto insurance company in Libertytown is USAA.
Teen drivers pay the highest rate in Libertytown at $1127 per month.

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Cheapest Minimum Liability Car Insurance in Libertytown

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 Libertytown are given below.

USAA provides the cheapest minimum car insurance coverage in Libertytown. Their Average 6 Month Premium is $276. Allstate is the most expensive at $865 for the same period.

Cheapest Liability Coverage in Libertytown, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$276	$46
Travelers	$368	$62
Kemper	$384	$64
Erie	$406	$68
State Farm	$410	$69
Nationwide	$513	$86
Progressive	$530	$89
Maryland Auto	$757	$128
Allstate	$865	$144

Cheapest Full Coverage Car Insurance in Libertytown

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 Libertytown is Kemper at $115 per month and $676 for six months.

Cheapest Full Coverage Car Insurance Quotes in Libertytown, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$676	$115
USAA	$746	$126
Travelers	$778	$131
State Farm	$859	$145
Erie	$930	$157
Nationwide	$935	$157
Progressive	$1108	$187
Allstate	$1649	$275
Maryland Auto	$2179	$370

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Average Car Insurance in Libertytown 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 Libertytown, MD increasing?

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

Car Insurance Premiums by Age in Libertytown

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 Libertytown,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Libertytown at $67 per month. At $6768 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$406	$67
Erie	$1265	$213
Travelers	$1346	$227
USAA	$1379	$232
State Farm	$2054	$346
Progressive	$2416	$407
Maryland Auto	$3686	$614
Nationwide	$4032	$679
Allstate	$6768	$1127

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 Libertytown, USAA is the cheapest car insurance provider. At $973 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 Libertytown is Allstate, offering rates of around $2524 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$973	$162
Progressive	$1087	$183
Nationwide	$1416	$238
Travelers	$1827	$310
Maryland Auto	$2179	$363
Erie	$2298	$390
State Farm	$4990	$832
Allstate	$2524	$430

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Car Insurance Rates with An Accident in Libertytown

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

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

The cheapest car insurance companies after an at-fault accident in Libertytown include Erie and USAA, offering $773 and $789, respectively. Allstate is an expensive provider with an average six-month premium of $2978.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$773	$130
USAA	$789	$133
Travelers	$833	$140
State Farm	$935	$157
Progressive	$1114	$187
Nationwide	$1627	$274
Maryland Auto	$2848	$475
Allstate	$2978	$507

Libertytown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Libertytown MD. For example, the car insurance in Libertytown after a DUI increases to $1026 for a six month policy. While the rate increases by $238 for a six-month policy in the case of a speeding ticket.

Libertytown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1092	$182
One Med/PIP claim	$1129	$192
Not-at-fault accident	$1173	$196
One comp claim	$1178	$200
Two Med/PIP claims	$1200	$200
Failure to wear a seat belt	$1238	$210
Failure to show documents	$1270	$212
Child safety restraint	$1281	$217
Two comp claims	$1281	$214
Driving with expired registration	$1313	$223
Cell phone violation	$1330	$222
Driving too slowly	$1330	$226
Failure to stop at a red light	$1330	$222
Failure to yield	$1330	$226
Following too closely	$1330	$222
Illegal turn	$1330	$226
Improper passing	$1330	$222
Speeding 11 - 15 MPH over limit	$1330	$226
Speeding 16 - 20 MPH over limit	$1330	$222
Speeding 6 - 10 MPH over limit	$1330	$226
Texting while driving	$1330	$222
Wrong way/wrong lane	$1330	$226
Speeding in school zone	$1346	$225
At-fault accident - less than $1000	$1373	$234
Passing school bus	$1379	$229
Driving without lights	$1384	$236
Open container	$1390	$231
Operating a vehicle without permission	$1405	$239
Speeding 21 - 25 MPH over limit	$1454	$242
In 65 MPH zone	$1589	$270
At-fault accident - $1000-$2000	$1638	$273
At-fault accident - greater than $2000	$1638	$278
Reckless driving	$1870	$312
Racing	$2011	$342
Driving with a suspended license	$2043	$340
Refusal to submit to a chemical test	$2108	$359
DUI	$2118	$353
Leaving scene of an accident/hit and run	$2135	$363

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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 Libertytown 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 Libertytown.

The cheapest car insurance premiums in Libertytown are offered by Erie at $649 for a six-month policy. However, it can be as expensive as $3205 with companies like Maryland Auto.

Libertytown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$649	$109
Travelers	$892	$150
Progressive	$1200	$202
USAA	$1313	$221
Allstate	$1724	$288
State Farm	$2054	$346
Nationwide	$2811	$473
Maryland Auto	$3205	$545

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 Libertytown are offered by USAA at $665. However, it can be as expensive as $2206 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Libertytown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$665	$113
State Farm	$697	$117
Erie	$794	$134
Progressive	$967	$163
Travelers	$1287	$218
Nationwide	$2070	$345
Maryland Auto	$2179	$370
Allstate	$2206	$368

Car Insurance Price Trends in Libertytown, Maryland

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

The average cost of full coverage in the Libertytown rose by $205 in January compared to $194 of December. In other words, there has been an increase by $11 when you compare January and December.

The average cost of liability insurance in the Libertytown rose to $71 in January, compared to $70 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 Libertytown?

The car insurance in Libertytown is $46 per month, which is lower than the national average.

What is the cheapest car insurance in Libertytown?

The cheapest car insurance in Libertytown is $115 per month for full coverage.

How much is car insurance in Libertytown for teenagers?

Car insurance for teenagers costs $406 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 Libertytown?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $184 per month to insure your car in Libertytown.

Is car insurance expensive in Libertytown?

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

Cheapest Car Insurance Quotes in Libertytown

Why you can trust Way?

How Much Is Car Insurance in Libertytown

Avg. Car Insurance in Libertytown

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Libertytown

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Libertytown Car Insurance Rates by Company

Cheap Car Insurance Companies in Libertytown, MD

Way's key takeaways about car insurance in Libertytown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Libertytown

Cheapest Liability Coverage in Libertytown, MD

Cheapest Full Coverage Car Insurance in Libertytown

Cheapest Full Coverage Car Insurance Quotes in Libertytown, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Libertytown by Rating Factor

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

Car Insurance Premiums by Age in Libertytown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Libertytown,MD

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

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 Libertytown

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

Libertytown Car Insurance Rates by Violation

Libertytown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Libertytown after a DUI

Libertytown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Libertytown after Speeding ticket

Car Insurance Price Trends in Libertytown, Maryland

Average Car Insurance Cost in Libertytown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Libertytown, MD

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

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