Cheapest Car Insurance Quotes in Lonaconing

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Lonaconing Car Insurance

^$ 41

/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 Lonaconing

The car insurance rate in Lonaconing is $975 for a six-month policy, which is $229 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $602, making it a popular choice for budget-conscious drivers. Rates in Lonaconing 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 Lonaconing

$975

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Lonaconing

1st place: Kemper

At $602 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $664 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $693 for six months, making it the third cheapest auto insurance company in Lonaconing.

Lonaconing Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lonaconing, MD is Kemper, offering policies at just $602 for a six-month term. This is followed by USAA, which has an average six-month premium of $664.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $1939 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lonaconing drivers find the best deals.

Cheap Car Insurance Companies in Lonaconing, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$602	$102
USAA	$664	$112
Travelers	$693	$117
State Farm	$765	$129
Erie	$828	$139
Nationwide	$833	$140
Progressive	$987	$166
Allstate	$1468	$245
Maryland Auto	$1939	$330

Key Takeaways

Way's key takeaways about car insurance in Lonaconing

The auto insurance costs in Lonaconing fall around $602 for six months.
The cheapest auto insurance company in Lonaconing is USAA.
Teen drivers pay the highest rate in Lonaconing at $1004 per month.

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Cheapest Minimum Liability Car Insurance in Lonaconing

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 Lonaconing are given below.

USAA provides the cheapest minimum car insurance coverage in Lonaconing. Their Average 6 Month Premium is $245. Allstate is the most expensive at $770 for the same period.

Cheapest Liability Coverage in Lonaconing, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$245	$41
Travelers	$327	$55
Kemper	$342	$57
Erie	$361	$61
State Farm	$365	$62
Nationwide	$457	$77
Progressive	$471	$79
Maryland Auto	$674	$114
Allstate	$770	$128

Cheapest Full Coverage Car Insurance in Lonaconing

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 Lonaconing is Kemper at $102 per month and $602 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lonaconing, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$602	$102
USAA	$664	$112
Travelers	$693	$117
State Farm	$765	$129
Erie	$828	$139
Nationwide	$833	$140
Progressive	$987	$166
Allstate	$1468	$245
Maryland Auto	$1939	$330

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Average Car Insurance in Lonaconing 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 Lonaconing, MD increasing?

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

Car Insurance Premiums by Age in Lonaconing

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 Lonaconing,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Lonaconing at $60 per month. At $6024 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$361	$60
Erie	$1126	$190
Travelers	$1198	$202
USAA	$1227	$207
State Farm	$1828	$308
Progressive	$2151	$362
Maryland Auto	$3281	$547
Nationwide	$3589	$604
Allstate	$6024	$1004

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 Lonaconing, USAA is the cheapest car insurance provider. At $866 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 Lonaconing is Allstate, offering rates of around $2247 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$866	$144
Progressive	$967	$163
Nationwide	$1260	$212
Travelers	$1626	$276
Maryland Auto	$1939	$323
Erie	$2045	$347
State Farm	$4441	$740
Allstate	$2247	$382

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Car Insurance Rates with An Accident in Lonaconing

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

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

The cheapest car insurance companies after an at-fault accident in Lonaconing include Erie and USAA, offering $688 and $702, respectively. Allstate is an expensive provider with an average six-month premium of $2651.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$688	$116
USAA	$702	$118
Travelers	$741	$125
State Farm	$833	$140
Progressive	$991	$167
Nationwide	$1448	$244
Maryland Auto	$2535	$423
Allstate	$2651	$451

Lonaconing Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lonaconing MD. For example, the car insurance in Lonaconing after a DUI increases to $914 for a six month policy. While the rate increases by $211 for a six-month policy in the case of a speeding ticket.

Lonaconing auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$972	$162
One Med/PIP claim	$1005	$171
Not-at-fault accident	$1044	$174
One comp claim	$1049	$178
Two Med/PIP claims	$1068	$178
Failure to wear a seat belt	$1102	$187
Failure to show documents	$1131	$189
Child safety restraint	$1140	$194
Two comp claims	$1140	$190
Driving with expired registration	$1169	$198
Cell phone violation	$1183	$198
Driving too slowly	$1183	$201
Failure to stop at a red light	$1183	$198
Failure to yield	$1183	$201
Following too closely	$1183	$198
Illegal turn	$1183	$201
Improper passing	$1183	$198
Speeding 11 - 15 MPH over limit	$1183	$201
Speeding 16 - 20 MPH over limit	$1183	$198
Speeding 6 - 10 MPH over limit	$1183	$201
Texting while driving	$1183	$198
Wrong way/wrong lane	$1183	$201
Speeding in school zone	$1198	$200
At-fault accident - less than $1000	$1222	$208
Passing school bus	$1227	$204
Driving without lights	$1232	$210
Open container	$1237	$206
Operating a vehicle without permission	$1251	$213
Speeding 21 - 25 MPH over limit	$1294	$215
In 65 MPH zone	$1414	$241
At-fault accident - $1000-$2000	$1458	$243
At-fault accident - greater than $2000	$1458	$248
Reckless driving	$1665	$278
Racing	$1790	$305
Driving with a suspended license	$1818	$303
Refusal to submit to a chemical test	$1877	$319
DUI	$1886	$314
Leaving scene of an accident/hit and run	$1900	$323

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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 Lonaconing 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 Lonaconing.

The cheapest car insurance premiums in Lonaconing are offered by Erie at $578 for a six-month policy. However, it can be as expensive as $2853 with companies like Maryland Auto.

Lonaconing car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$578	$97
Travelers	$794	$134
Progressive	$1068	$180
USAA	$1169	$197
Allstate	$1535	$256
State Farm	$1828	$308
Nationwide	$2502	$421
Maryland Auto	$2853	$485

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 Lonaconing are offered by USAA at $592. However, it can be as expensive as $1963 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lonaconing after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$592	$100
State Farm	$620	$104
Erie	$707	$119
Progressive	$861	$145
Travelers	$1145	$194
Nationwide	$1843	$307
Maryland Auto	$1939	$330
Allstate	$1963	$327

Car Insurance Price Trends in Lonaconing, Maryland

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

The average cost of full coverage in the Lonaconing rose by $182 in January compared to $173 of December. In other words, there has been an increase by $9 when you compare January and December.

The average cost of liability insurance in the Lonaconing rose to $63 in January, compared to $62 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 Lonaconing?

The car insurance in Lonaconing is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Lonaconing?

The cheapest car insurance in Lonaconing is $102 per month for full coverage.

How much is car insurance in Lonaconing for teenagers?

Car insurance for teenagers costs $361 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 Lonaconing?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $164 per month to insure your car in Lonaconing.

Is car insurance expensive in Lonaconing?

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

Cheapest Car Insurance Quotes in Lonaconing

Why you can trust Way?

How Much Is Car Insurance in Lonaconing

Avg. Car Insurance in Lonaconing

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Lonaconing

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Lonaconing Car Insurance Rates by Company

Cheap Car Insurance Companies in Lonaconing, MD

Way's key takeaways about car insurance in Lonaconing

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lonaconing

Cheapest Liability Coverage in Lonaconing, MD

Cheapest Full Coverage Car Insurance in Lonaconing

Cheapest Full Coverage Car Insurance Quotes in Lonaconing, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lonaconing by Rating Factor

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

Car Insurance Premiums by Age in Lonaconing

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lonaconing,MD

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

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 Lonaconing

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

Lonaconing Car Insurance Rates by Violation

Lonaconing auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lonaconing after a DUI

Lonaconing car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lonaconing after Speeding ticket

Car Insurance Price Trends in Lonaconing, Maryland

Average Car Insurance Cost in Lonaconing by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lonaconing, MD

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

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