Cheapest Car Insurance Quotes in Middle River

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Middle River Car Insurance

^$ 66

/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 $1565 for a six-month policy, which is $361 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $966, 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

$1565

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Middle River

1st place: Kemper

At $966 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1066 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1112 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 $966 for a six-month term. This is followed by USAA, which has an average six-month premium of $1066.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $3112 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	$966	$164
USAA	$1066	$179
Travelers	$1112	$187
State Farm	$1227	$207
Erie	$1329	$224
Nationwide	$1336	$225
Progressive	$1583	$267
Allstate	$2356	$393
Maryland Auto	$3112	$529

Key Takeaways

Way's key takeaways about car insurance in Middle River

The auto insurance costs in Middle River fall around $966 for six months.
The cheapest auto insurance company in Middle River is USAA.
Teen drivers pay the highest rate in Middle River at $1611 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 $394. Allstate is the most expensive at $1235 for the same period.

Cheapest Liability Coverage in Middle River, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$394	$66
Travelers	$525	$88
Kemper	$549	$91
Erie	$580	$98
State Farm	$586	$99
Nationwide	$733	$124
Progressive	$757	$127
Maryland Auto	$1082	$183
Allstate	$1235	$205

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 $164 per month and $966 for six months.

Cheapest Full Coverage Car Insurance Quotes in Middle River, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$966	$164
USAA	$1066	$179
Travelers	$1112	$187
State Farm	$1227	$207
Erie	$1329	$224
Nationwide	$1336	$225
Progressive	$1583	$267
Allstate	$2356	$393
Maryland Auto	$3112	$529

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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

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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 $96 per month. At $9668 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$580	$96
Erie	$1807	$304
Travelers	$1923	$324
USAA	$1970	$332
State Farm	$2934	$494
Progressive	$3452	$581
Maryland Auto	$5266	$878
Nationwide	$5760	$970
Allstate	$9668	$1611

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 Middle River, USAA is the cheapest car insurance provider. At $1390 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 Allstate, offering rates of around $3606 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1390	$231
Progressive	$1552	$261
Nationwide	$2023	$341
Travelers	$2610	$443
Maryland Auto	$3112	$519
Erie	$3283	$558
State Farm	$7128	$1188
Allstate	$3606	$614

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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 $1104 and $1127, respectively. Allstate is an expensive provider with an average six-month premium of $4255.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1104	$186
USAA	$1127	$190
Travelers	$1190	$200
State Farm	$1336	$225
Progressive	$1591	$268
Nationwide	$2324	$391
Maryland Auto	$4069	$679
Allstate	$4255	$724

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 $1466 for a six month policy. While the rate increases by $339 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	$1560	$260
One Med/PIP claim	$1613	$274
Not-at-fault accident	$1676	$280
One comp claim	$1684	$286
Two Med/PIP claims	$1715	$286
Failure to wear a seat belt	$1768	$300
Failure to show documents	$1815	$303
Child safety restraint	$1830	$311
Two comp claims	$1830	$306
Driving with expired registration	$1876	$319
Cell phone violation	$1899	$317
Driving too slowly	$1899	$322
Failure to stop at a red light	$1899	$317
Failure to yield	$1899	$322
Following too closely	$1899	$317
Illegal turn	$1899	$322
Improper passing	$1899	$317
Speeding 11 - 15 MPH over limit	$1899	$322
Speeding 16 - 20 MPH over limit	$1899	$317
Speeding 6 - 10 MPH over limit	$1899	$322
Texting while driving	$1899	$317
Wrong way/wrong lane	$1899	$322
Speeding in school zone	$1923	$321
At-fault accident - less than $1000	$1962	$334
Passing school bus	$1970	$328
Driving without lights	$1977	$337
Open container	$1985	$330
Operating a vehicle without permission	$2007	$342
Speeding 21 - 25 MPH over limit	$2077	$346
In 65 MPH zone	$2270	$386
At-fault accident - $1000-$2000	$2340	$390
At-fault accident - greater than $2000	$2340	$398
Reckless driving	$2672	$446
Racing	$2873	$489
Driving with a suspended license	$2919	$486
Refusal to submit to a chemical test	$3012	$512
DUI	$3026	$504
Leaving scene of an accident/hit and run	$3050	$519

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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 $927 for a six-month policy. However, it can be as expensive as $4579 with companies like Maryland Auto.

Middle River car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$927	$156
Travelers	$1274	$215
Progressive	$1715	$289
USAA	$1876	$316
Allstate	$2464	$411
State Farm	$2934	$494
Nationwide	$4016	$676
Maryland Auto	$4579	$779

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 USAA at $950. However, it can be as expensive as $3151 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
USAA	$950	$161
State Farm	$996	$168
Erie	$1135	$191
Progressive	$1382	$233
Travelers	$1838	$312
Nationwide	$2958	$493
Maryland Auto	$3112	$529
Allstate	$3151	$525

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 $293 in January compared to $277 of December. In other words, there has been an increase by $16 when you compare January and December.

The average cost of liability insurance in the Middle River rose to $101 in January, compared to $100 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 Middle River?

The car insurance in Middle River is $66 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 $164 per month for full coverage.

How much is car insurance in Middle River for teenagers?

Car insurance for teenagers costs $580 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 $1204 for a six-month policy. It will cost around $263 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: Travelers

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 N/A 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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