Cheapest Car Insurance Quotes in Middle River

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Middle River Car Insurance

^$ 64

/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 Middle River

The car insurance rate in Middle River is $1290 for a six-month policy, which is $274 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $944, making it a popular choice for budget-conscious drivers. Rates in Middle River 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 Middle River

$1290

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Middle River

1st place: Kemper

At $944 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1019 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 $1041 for six months, making it the third cheapest auto insurance company in Middle River.

Middle River Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Middle River, MD is Kemper, offering policies at just $944 for a six-month term. This is followed by USAA, which has an average six-month premium of $1019.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2414 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Middle River drivers find the best deals.

Cheap Car Insurance Companies in Middle River, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$944	$160
USAA	$1019	$171
State Farm	$1041	$175
Travelers	$1041	$175
Nationwide	$1207	$203
Erie	$1245	$210
Progressive	$1419	$239
Allstate	$2414	$406

Key Takeaways

Way's key takeaways about car insurance in Middle River

The auto insurance costs in Middle River fall around $944 for six months.
The cheapest auto insurance company in Middle River is USAA.
Teen drivers pay the highest rate in Middle River at $1695 per month.

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Cheapest Minimum Liability Car Insurance in Middle River

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 Middle River are given below.

USAA provides the cheapest minimum car insurance coverage in Middle River. Their Average 6 Month Premium is $377. Allstate is the most expensive at $1321 for the same period.

Cheapest Liability Coverage in Middle River, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$377	$64
Travelers	$521	$88
State Farm	$528	$89
Kemper	$536	$89
Erie	$559	$94
Progressive	$657	$110
Nationwide	$679	$114
Allstate	$1321	$222

Cheapest Full Coverage Car Insurance in Middle River

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 Middle River is Kemper at $160 per month and $944 for six months.

Cheapest Full Coverage Car Insurance Quotes in Middle River, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$944	$160
USAA	$1019	$171
State Farm	$1041	$175
Travelers	$1041	$175
Nationwide	$1207	$203
Erie	$1245	$210
Progressive	$1419	$239
Allstate	$2414	$406

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Average Car Insurance in Middle River 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 Middle River, MD increasing?

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

Car Insurance Premiums by Age in Middle River

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	$870
30s	Travelers	$742
40s	Travelers	$676
50s	Travelers	$639
60s	Travelers	$716
70s	USAA	$757

Cheapest Car Insurance Rates for Teen Drivers in Middle River,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Middle River at $97 per month. At $10071 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$566	$97
Erie	$1471	$248
Travelers	$1720	$290
USAA	$1840	$310
State Farm	$2497	$420
Progressive	$3176	$535
Nationwide	$4768	$803
Allstate	$10071	$1695

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 Middle River.

As young drivers face the highest rates in Middle River, Travelers offers the cheapest auto insurance rates at $870 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 Middle River, USAA is the cheapest car insurance provider. At $1193 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 Middle River is State Farm, offering rates of around $4511 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1193	$198
Progressive	$1229	$207
Nationwide	$1562	$263
Travelers	$2202	$375
Erie	$2587	$432
Allstate	$3523	$599
State Farm	$4511	$752

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Car Insurance Rates with An Accident in Middle River

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

Cheapest Car Insurance Companies after an At-Fault Accident in Middle River

The cheapest car insurance companies after an at-fault accident in Middle River include Erie and USAA, offering $936 and $1064, respectively. Encompass is an expensive provider with an average six-month premium of $837.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$936	$157
USAA	$1064	$179
Travelers	$1078	$182
State Farm	$1162	$196
Progressive	$1411	$237
Nationwide	$1961	$330
Allstate	$4406	$742
Encompass	$837	$140

Middle River Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Middle River MD. For example, the car insurance in Middle River after a DUI increases to $1433 for a six month policy. While the rate increases by $331 for a six-month policy in the case of a speeding ticket.

Middle River auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1524	$254
One Med/PIP claim	$1576	$268
Not-at-fault accident	$1637	$273
One comp claim	$1645	$279
Two Med/PIP claims	$1675	$279
Failure to wear a seat belt	$1727	$293
Failure to show documents	$1773	$296
Child safety restraint	$1788	$304
Two comp claims	$1788	$298
Driving with expired registration	$1833	$311
Cell phone violation	$1855	$310
Driving too slowly	$1855	$315
Failure to stop at a red light	$1855	$310
Failure to yield	$1855	$315
Following too closely	$1855	$310
Illegal turn	$1855	$315
Improper passing	$1855	$310
Speeding 11 - 15 MPH over limit	$1855	$315
Speeding 16 - 20 MPH over limit	$1855	$310
Speeding 6 - 10 MPH over limit	$1855	$315
Texting while driving	$1855	$310
Wrong way/wrong lane	$1855	$315
Speeding in school zone	$1878	$314
At-fault accident - less than $1000	$1916	$326
Passing school bus	$1924	$320
Driving without lights	$1932	$329
Open container	$1939	$323
Operating a vehicle without permission	$1961	$334
Speeding 21 - 25 MPH over limit	$2029	$338
In 65 MPH zone	$2217	$377
At-fault accident - $1000-$2000	$2286	$381
At-fault accident - greater than $2000	$2286	$389
Reckless driving	$2610	$436
Racing	$2807	$478
Driving with a suspended license	$2851	$475
Refusal to submit to a chemical test	$2943	$500
DUI	$2957	$493
Leaving scene of an accident/hit and run	$2979	$507

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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 Middle River 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 Middle River.

The cheapest car insurance premiums in Middle River are offered by Erie at $800 for a six-month policy. However, it can be as expensive as $3289 with companies like Nationwide.

Middle River car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$800	$135
Travelers	$1170	$197
Progressive	$1524	$257
USAA	$1758	$296
State Farm	$2286	$385
Allstate	$2520	$424
Nationwide	$3289	$554

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 Middle River are offered by State Farm at $716. However, it can be as expensive as $3078 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Middle River after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$716	$121
USAA	$815	$138
Erie	$950	$160
Progressive	$1101	$185
Travelers	$1509	$251
Nationwide	$2142	$364
Allstate	$3078	$513

Car Insurance Price Trends in Middle River, Maryland

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

The average cost of full coverage in the Middle River rose by $271 in December compared to $269 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 Middle River remained steady at $98 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 Middle River?

The car insurance in Middle River is $64 per month, which is lower than the national average.

What is the cheapest car insurance in Middle River?

The cheapest car insurance in Middle River is $160 per month for full coverage.

How much is car insurance in Middle River for teenagers?

Car insurance for teenagers costs $566 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 Middle River?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $217 per month to insure your car in Middle River.

Is car insurance expensive in Middle River?

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

Cheapest Car Insurance Quotes in Middle River

Why you can trust Way?

How Much Is Car Insurance in Middle River

Avg. Car Insurance in Middle River

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Middle River

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Middle River Car Insurance Rates by Company

Cheap Car Insurance Companies in Middle River, MD

Way's key takeaways about car insurance in Middle River

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Middle River

Cheapest Liability Coverage in Middle River, MD

Cheapest Full Coverage Car Insurance in Middle River

Cheapest Full Coverage Car Insurance Quotes in Middle River, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Middle River by Rating Factor

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

Car Insurance Premiums by Age in Middle River

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Middle River,MD

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

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 Middle River

Cheapest Car Insurance Companies after an At-Fault Accident in Middle River

Middle River Car Insurance Rates by Violation

Middle River auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Middle River after a DUI

Middle River car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Middle River after Speeding ticket

Car Insurance Price Trends in Middle River, Maryland

Average Car Insurance Cost in Middle River by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Middle River, MD

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

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