Cheapest Car Insurance Quotes in Mechanicsville

Finding the cheapest car insurance quotes in Mechanicsville 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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Mechanicsville Car Insurance

^$ 48

/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 Mechanicsville

The car insurance rate in Mechanicsville is $1132 for a six-month policy, which is $72 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $698, making it a popular choice for budget-conscious drivers. Rates in Mechanicsville 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 Mechanicsville

$1132

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Mechanicsville

1st place: Kemper

At $698 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $771 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $804 for six months, making it the third cheapest auto insurance company in Mechanicsville.

Mechanicsville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mechanicsville, MD is Kemper, offering policies at just $698 for a six-month term. This is followed by USAA, which has an average six-month premium of $771.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2250 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mechanicsville drivers find the best deals.

Cheap Car Insurance Companies in Mechanicsville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$698	$118
USAA	$771	$130
Travelers	$804	$135
State Farm	$887	$149
Erie	$961	$162
Nationwide	$966	$163
Progressive	$1145	$193
Allstate	$1703	$284
Maryland Auto	$2250	$383

Key Takeaways

Way's key takeaways about car insurance in Mechanicsville

The auto insurance costs in Mechanicsville fall around $698 for six months.
The cheapest auto insurance company in Mechanicsville is USAA.
Teen drivers pay the highest rate in Mechanicsville at $1165 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 Mechanicsville

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 Mechanicsville are given below.

USAA provides the cheapest minimum car insurance coverage in Mechanicsville. Their Average 6 Month Premium is $285. Allstate is the most expensive at $893 for the same period.

Cheapest Liability Coverage in Mechanicsville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$285	$48
Travelers	$380	$64
Kemper	$397	$66
Erie	$419	$71
State Farm	$424	$71
Nationwide	$530	$89
Progressive	$547	$92
Maryland Auto	$782	$133
Allstate	$893	$149

Cheapest Full Coverage Car Insurance in Mechanicsville

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 Mechanicsville is Kemper at $118 per month and $698 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mechanicsville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$698	$118
USAA	$771	$130
Travelers	$804	$135
State Farm	$887	$149
Erie	$961	$162
Nationwide	$966	$163
Progressive	$1145	$193
Allstate	$1703	$284
Maryland Auto	$2250	$383

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Mechanicsville Instantly!

Average Car Insurance in Mechanicsville 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 Mechanicsville, MD increasing?

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

Car Insurance Premiums by Age in Mechanicsville

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Mechanicsville,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Mechanicsville at $70 per month. At $6991 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$419	$70
Erie	$1307	$220
Travelers	$1390	$234
USAA	$1424	$240
State Farm	$2122	$357
Progressive	$2496	$420
Maryland Auto	$3808	$635
Nationwide	$4165	$701
Allstate	$6991	$1165

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 Mechanicsville, USAA is the cheapest car insurance provider. At $1005 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 Mechanicsville is Allstate, offering rates of around $2608 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1005	$167
Progressive	$1122	$189
Nationwide	$1463	$246
Travelers	$1888	$321
Maryland Auto	$2250	$375
Erie	$2374	$403
State Farm	$5154	$859
Allstate	$2608	$444

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Mechanicsville.

Car Insurance Rates with An Accident in Mechanicsville

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

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

The cheapest car insurance companies after an at-fault accident in Mechanicsville include Erie and USAA, offering $798 and $815, respectively. Allstate is an expensive provider with an average six-month premium of $3077.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$798	$134
USAA	$815	$137
Travelers	$860	$145
State Farm	$966	$163
Progressive	$1151	$194
Nationwide	$1681	$283
Maryland Auto	$2942	$491
Allstate	$3077	$524

Mechanicsville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mechanicsville MD. For example, the car insurance in Mechanicsville after a DUI increases to $1060 for a six month policy. While the rate increases by $245 for a six-month policy in the case of a speeding ticket.

Mechanicsville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1128	$188
One Med/PIP claim	$1167	$198
Not-at-fault accident	$1212	$202
One comp claim	$1217	$207
Two Med/PIP claims	$1240	$207
Failure to wear a seat belt	$1278	$217
Failure to show documents	$1312	$219
Child safety restraint	$1324	$225
Two comp claims	$1324	$221
Driving with expired registration	$1356	$230
Cell phone violation	$1373	$229
Driving too slowly	$1373	$233
Failure to stop at a red light	$1373	$229
Failure to yield	$1373	$233
Following too closely	$1373	$229
Illegal turn	$1373	$233
Improper passing	$1373	$229
Speeding 11 - 15 MPH over limit	$1373	$233
Speeding 16 - 20 MPH over limit	$1373	$229
Speeding 6 - 10 MPH over limit	$1373	$233
Texting while driving	$1373	$229
Wrong way/wrong lane	$1373	$233
Speeding in school zone	$1390	$232
At-fault accident - less than $1000	$1418	$242
Passing school bus	$1424	$237
Driving without lights	$1430	$243
Open container	$1435	$239
Operating a vehicle without permission	$1451	$247
Speeding 21 - 25 MPH over limit	$1502	$250
In 65 MPH zone	$1641	$279
At-fault accident - $1000-$2000	$1692	$282
At-fault accident - greater than $2000	$1692	$288
Reckless driving	$1932	$322
Racing	$2077	$353
Driving with a suspended license	$2110	$352
Refusal to submit to a chemical test	$2178	$370
DUI	$2188	$365
Leaving scene of an accident/hit and run	$2205	$375

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Mechanicsville 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 Mechanicsville.

The cheapest car insurance premiums in Mechanicsville are offered by Erie at $670 for a six-month policy. However, it can be as expensive as $3311 with companies like Maryland Auto.

Mechanicsville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$670	$113
Travelers	$921	$155
Progressive	$1240	$209
USAA	$1356	$228
Allstate	$1781	$297
State Farm	$2122	$357
Nationwide	$2904	$489
Maryland Auto	$3311	$563

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 Mechanicsville are offered by USAA at $687. However, it can be as expensive as $2279 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Mechanicsville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$687	$117
State Farm	$720	$121
Erie	$821	$138
Progressive	$999	$168
Travelers	$1329	$226
Nationwide	$2139	$356
Maryland Auto	$2250	$383
Allstate	$2279	$380

Car Insurance Price Trends in Mechanicsville, Maryland

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

The average cost of full coverage in the Mechanicsville rose by $212 in February compared to $200 of January. In other words, there has been an increase by $12 when you compare February and January.

The average cost of liability insurance in the Mechanicsville rose to $73 in February, compared to $72 in January. This represents an increase of $1 when comparing February and January.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Mechanicsville?

The car insurance in Mechanicsville is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Mechanicsville?

The cheapest car insurance in Mechanicsville is $118 per month for full coverage.

How much is car insurance in Mechanicsville for teenagers?

Car insurance for teenagers costs $419 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 Mechanicsville?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $190 per month to insure your car in Mechanicsville.

Is car insurance expensive in Mechanicsville?

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

Cheapest Car Insurance Quotes in Mechanicsville

Why you can trust Way?

How Much Is Car Insurance in Mechanicsville

Avg. Car Insurance in Mechanicsville

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Mechanicsville

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Mechanicsville Car Insurance Rates by Company

Cheap Car Insurance Companies in Mechanicsville, MD

Way's key takeaways about car insurance in Mechanicsville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mechanicsville

Cheapest Liability Coverage in Mechanicsville, MD

Cheapest Full Coverage Car Insurance in Mechanicsville

Cheapest Full Coverage Car Insurance Quotes in Mechanicsville, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mechanicsville by Rating Factor

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

Car Insurance Premiums by Age in Mechanicsville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mechanicsville,MD

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

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 Mechanicsville

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

Mechanicsville Car Insurance Rates by Violation

Mechanicsville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mechanicsville after a DUI

Mechanicsville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mechanicsville after Speeding ticket

Car Insurance Price Trends in Mechanicsville, Maryland

Average Car Insurance Cost in Mechanicsville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mechanicsville, MD

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

Featured Blogs

Data Sources