Cheapest Car Insurance Quotes in Lochearn

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Lochearn Car Insurance

^$ 73

/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 Lochearn

The car insurance rate in Lochearn is $1473 for a six-month policy, which is $457 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1077, making it a popular choice for budget-conscious drivers. Rates in Lochearn 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 Lochearn

$1473

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Lochearn

1st place: Kemper

At $1077 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1163 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 $1189 for six months, making it the third cheapest auto insurance company in Lochearn.

Lochearn Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lochearn, MD is Kemper, offering policies at just $1077 for a six-month term. This is followed by USAA, which has an average six-month premium of $1163.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2756 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lochearn drivers find the best deals.

Cheap Car Insurance Companies in Lochearn, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1077	$183
USAA	$1163	$196
State Farm	$1189	$200
Travelers	$1189	$200
Nationwide	$1378	$232
Erie	$1421	$239
Progressive	$1620	$273
Allstate	$2756	$464

Key Takeaways

Way's key takeaways about car insurance in Lochearn

The auto insurance costs in Lochearn fall around $1077 for six months.
The cheapest auto insurance company in Lochearn is USAA.
Teen drivers pay the highest rate in Lochearn at $1936 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Lochearn

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 Lochearn are given below.

USAA provides the cheapest minimum car insurance coverage in Lochearn. Their Average 6 Month Premium is $431. Allstate is the most expensive at $1508 for the same period.

Cheapest Liability Coverage in Lochearn, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$431	$73
Travelers	$595	$100
State Farm	$603	$102
Kemper	$612	$102
Erie	$638	$107
Progressive	$750	$126
Nationwide	$776	$131
Allstate	$1508	$254

Cheapest Full Coverage Car Insurance in Lochearn

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 Lochearn is Kemper at $183 per month and $1077 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lochearn, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1077	$183
USAA	$1163	$196
State Farm	$1189	$200
Travelers	$1189	$200
Nationwide	$1378	$232
Erie	$1421	$239
Progressive	$1620	$273
Allstate	$2756	$464

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Average Car Insurance in Lochearn 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 Lochearn, MD increasing?

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

Car Insurance Premiums by Age in Lochearn

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	$993
30s	Travelers	$847
40s	Travelers	$771
50s	Travelers	$729
60s	Travelers	$818
70s	USAA	$864

Cheapest Car Insurance Rates for Teen Drivers in Lochearn,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Lochearn at $110 per month. At $11499 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$647	$110
Erie	$1679	$283
Travelers	$1963	$331
USAA	$2101	$354
State Farm	$2851	$480
Progressive	$3626	$610
Nationwide	$5443	$916
Allstate	$11499	$1936

Teen Car Insurance Rates in MD by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Lochearn.

As young drivers face the highest rates in Lochearn, Travelers offers the cheapest auto insurance rates at $993 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 Lochearn, USAA is the cheapest car insurance provider. At $1362 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 Lochearn is State Farm, offering rates of around $5150 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1362	$226
Progressive	$1404	$236
Nationwide	$1784	$300
Travelers	$2514	$428
Erie	$2954	$493
Allstate	$4022	$684
State Farm	$5150	$858

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Car Insurance Rates with An Accident in Lochearn

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

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

The cheapest car insurance companies after an at-fault accident in Lochearn include Erie and USAA, offering $1069 and $1215, respectively. Encompass is an expensive provider with an average six-month premium of $956.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1069	$180
USAA	$1215	$204
Travelers	$1231	$207
State Farm	$1327	$223
Progressive	$1611	$271
Nationwide	$2239	$377
Allstate	$5030	$847
Encompass	$956	$160

Lochearn Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lochearn MD. For example, the car insurance in Lochearn after a DUI increases to $1636 for a six month policy. While the rate increases by $378 for a six-month policy in the case of a speeding ticket.

Lochearn auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1740	$290
One Med/PIP claim	$1799	$306
Not-at-fault accident	$1869	$312
One comp claim	$1878	$319
Two Med/PIP claims	$1913	$319
Failure to wear a seat belt	$1972	$335
Failure to show documents	$2024	$338
Child safety restraint	$2042	$347
Two comp claims	$2042	$341
Driving with expired registration	$2092	$355
Cell phone violation	$2118	$354
Driving too slowly	$2118	$360
Failure to stop at a red light	$2118	$354
Failure to yield	$2118	$360
Following too closely	$2118	$354
Illegal turn	$2118	$360
Improper passing	$2118	$354
Speeding 11 - 15 MPH over limit	$2118	$360
Speeding 16 - 20 MPH over limit	$2118	$354
Speeding 6 - 10 MPH over limit	$2118	$360
Texting while driving	$2118	$354
Wrong way/wrong lane	$2118	$360
Speeding in school zone	$2145	$358
At-fault accident - less than $1000	$2188	$373
Passing school bus	$2197	$365
Driving without lights	$2205	$376
Open container	$2214	$368
Operating a vehicle without permission	$2239	$381
Speeding 21 - 25 MPH over limit	$2317	$386
In 65 MPH zone	$2532	$431
At-fault accident - $1000-$2000	$2610	$435
At-fault accident - greater than $2000	$2610	$444
Reckless driving	$2980	$497
Racing	$3205	$545
Driving with a suspended license	$3255	$542
Refusal to submit to a chemical test	$3360	$571
DUI	$3376	$563
Leaving scene of an accident/hit and run	$3402	$579

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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 Lochearn 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 Lochearn.

The cheapest car insurance premiums in Lochearn are offered by Erie at $914 for a six-month policy. However, it can be as expensive as $3756 with companies like Nationwide.

Lochearn car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$914	$154
Travelers	$1335	$225
Progressive	$1740	$293
USAA	$2007	$338
State Farm	$2610	$439
Allstate	$2877	$484
Nationwide	$3756	$632

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 Lochearn are offered by State Farm at $818. However, it can be as expensive as $3515 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lochearn after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$818	$138
USAA	$931	$158
Erie	$1085	$183
Progressive	$1257	$212
Travelers	$1723	$287
Nationwide	$2446	$416
Allstate	$3515	$586

Car Insurance Price Trends in Lochearn, Maryland

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

The average cost of full coverage in the Lochearn rose by $309 in December compared to $307 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Lochearn remained steady at $112 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Lochearn?

The car insurance in Lochearn is $73 per month, which is lower than the national average.

What is the cheapest car insurance in Lochearn?

The cheapest car insurance in Lochearn is $183 per month for full coverage.

How much is car insurance in Lochearn for teenagers?

Car insurance for teenagers costs $647 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 Lochearn?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $248 per month to insure your car in Lochearn.

Is car insurance expensive in Lochearn?

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

Cheapest Car Insurance Quotes in Lochearn

Why you can trust Way?

How Much Is Car Insurance in Lochearn

Avg. Car Insurance in Lochearn

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Lochearn

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Lochearn Car Insurance Rates by Company

Cheap Car Insurance Companies in Lochearn, MD

Way's key takeaways about car insurance in Lochearn

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lochearn

Cheapest Liability Coverage in Lochearn, MD

Cheapest Full Coverage Car Insurance in Lochearn

Cheapest Full Coverage Car Insurance Quotes in Lochearn, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lochearn by Rating Factor

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

Car Insurance Premiums by Age in Lochearn

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lochearn,MD

If you are in your twenties Travelers is the best choice for car insurance in Lochearn.

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 Lochearn

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

Lochearn Car Insurance Rates by Violation

Lochearn auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lochearn after a DUI

Lochearn car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lochearn after Speeding ticket

Car Insurance Price Trends in Lochearn, Maryland

Average Car Insurance Cost in Lochearn by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lochearn, MD

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

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