Cheapest Car Insurance Quotes in Morningside

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Morningside Car Insurance

^$ 67

/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 Morningside

The car insurance rate in Morningside is $1351 for a six-month policy, which is $335 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $988, making it a popular choice for budget-conscious drivers. Rates in Morningside 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 Morningside

$1351

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Morningside

1st place: Kemper

At $988 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1067 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 $1091 for six months, making it the third cheapest auto insurance company in Morningside.

Morningside Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Morningside, MD is Kemper, offering policies at just $988 for a six-month term. This is followed by USAA, which has an average six-month premium of $1067.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2528 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Morningside drivers find the best deals.

Cheap Car Insurance Companies in Morningside, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$988	$168
USAA	$1067	$180
State Farm	$1091	$184
Travelers	$1091	$184
Nationwide	$1264	$213
Erie	$1303	$219
Progressive	$1486	$250
Allstate	$2528	$426

Key Takeaways

Way's key takeaways about car insurance in Morningside

The auto insurance costs in Morningside fall around $988 for six months.
The cheapest auto insurance company in Morningside is USAA.
Teen drivers pay the highest rate in Morningside at $1776 per month.

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

Cheapest Minimum Liability Car Insurance in Morningside

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 Morningside are given below.

USAA provides the cheapest minimum car insurance coverage in Morningside. Their Average 6 Month Premium is $395. Allstate is the most expensive at $1383 for the same period.

Cheapest Liability Coverage in Morningside, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$395	$67
Travelers	$545	$92
State Farm	$553	$93
Kemper	$561	$93
Erie	$585	$98
Progressive	$688	$116
Nationwide	$712	$120
Allstate	$1383	$233

Cheapest Full Coverage Car Insurance in Morningside

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 Morningside is Kemper at $168 per month and $988 for six months.

Cheapest Full Coverage Car Insurance Quotes in Morningside, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$988	$168
USAA	$1067	$180
State Farm	$1091	$184
Travelers	$1091	$184
Nationwide	$1264	$213
Erie	$1303	$219
Progressive	$1486	$250
Allstate	$2528	$426

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Average Car Insurance in Morningside 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 Morningside, MD increasing?

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

Car Insurance Premiums by Age in Morningside

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	$911
30s	Travelers	$777
40s	Travelers	$708
50s	Travelers	$669
60s	Travelers	$750
70s	USAA	$793

Cheapest Car Insurance Rates for Teen Drivers in Morningside,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Morningside at $101 per month. At $10547 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$593	$101
Erie	$1540	$259
Travelers	$1801	$303
USAA	$1927	$325
State Farm	$2615	$440
Progressive	$3326	$560
Nationwide	$4993	$841
Allstate	$10547	$1776

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 Morningside.

As young drivers face the highest rates in Morningside, Travelers offers the cheapest auto insurance rates at $911 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 Morningside, USAA is the cheapest car insurance provider. At $1249 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 Morningside is State Farm, offering rates of around $4724 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1249	$207
Progressive	$1287	$217
Nationwide	$1636	$275
Travelers	$2306	$392
Erie	$2709	$452
Allstate	$3689	$628
State Farm	$4724	$787

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Car Insurance Rates with An Accident in Morningside

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

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

The cheapest car insurance companies after an at-fault accident in Morningside include Erie and USAA, offering $980 and $1115, respectively. Encompass is an expensive provider with an average six-month premium of $876.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$980	$165
USAA	$1115	$188
Travelers	$1129	$190
State Farm	$1217	$205
Progressive	$1478	$249
Nationwide	$2054	$346
Allstate	$4614	$777
Encompass	$876	$146

Morningside Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Morningside MD. For example, the car insurance in Morningside after a DUI increases to $1500 for a six month policy. While the rate increases by $347 for a six-month policy in the case of a speeding ticket.

Morningside auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1596	$266
One Med/PIP claim	$1651	$281
Not-at-fault accident	$1714	$286
One comp claim	$1722	$293
Two Med/PIP claims	$1754	$293
Failure to wear a seat belt	$1809	$307
Failure to show documents	$1857	$310
Child safety restraint	$1873	$318
Two comp claims	$1873	$313
Driving with expired registration	$1919	$326
Cell phone violation	$1943	$325
Driving too slowly	$1943	$330
Failure to stop at a red light	$1943	$325
Failure to yield	$1943	$330
Following too closely	$1943	$325
Illegal turn	$1943	$330
Improper passing	$1943	$325
Speeding 11 - 15 MPH over limit	$1943	$330
Speeding 16 - 20 MPH over limit	$1943	$325
Speeding 6 - 10 MPH over limit	$1943	$330
Texting while driving	$1943	$325
Wrong way/wrong lane	$1943	$330
Speeding in school zone	$1967	$329
At-fault accident - less than $1000	$2007	$342
Passing school bus	$2015	$335
Driving without lights	$2023	$344
Open container	$2031	$338
Operating a vehicle without permission	$2054	$350
Speeding 21 - 25 MPH over limit	$2125	$354
In 65 MPH zone	$2322	$395
At-fault accident - $1000-$2000	$2394	$399
At-fault accident - greater than $2000	$2394	$407
Reckless driving	$2733	$456
Racing	$2939	$500
Driving with a suspended license	$2986	$497
Refusal to submit to a chemical test	$3082	$524
DUI	$3096	$516
Leaving scene of an accident/hit and run	$3120	$531

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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 Morningside 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 Morningside.

The cheapest car insurance premiums in Morningside are offered by Erie at $838 for a six-month policy. However, it can be as expensive as $3445 with companies like Nationwide.

Morningside car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$838	$141
Travelers	$1225	$206
Progressive	$1596	$269
USAA	$1841	$310
State Farm	$2394	$403
Allstate	$2639	$444
Nationwide	$3445	$580

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 Morningside are offered by State Farm at $750. However, it can be as expensive as $3224 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Morningside after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$750	$126
USAA	$854	$145
Erie	$995	$168
Progressive	$1153	$194
Travelers	$1580	$263
Nationwide	$2244	$382
Allstate	$3224	$537

Car Insurance Price Trends in Morningside, Maryland

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

The average cost of full coverage in the Morningside rose by $283 in December compared to $282 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Morningside remained steady at $102 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 Morningside?

The car insurance in Morningside is $67 per month, which is lower than the national average.

What is the cheapest car insurance in Morningside?

The cheapest car insurance in Morningside is $168 per month for full coverage.

How much is car insurance in Morningside for teenagers?

Car insurance for teenagers costs $593 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 Morningside?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $227 per month to insure your car in Morningside.

Is car insurance expensive in Morningside?

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

Cheapest Car Insurance Quotes in Morningside

Why you can trust Way?

How Much Is Car Insurance in Morningside

Avg. Car Insurance in Morningside

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Morningside

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Morningside Car Insurance Rates by Company

Cheap Car Insurance Companies in Morningside, MD

Way's key takeaways about car insurance in Morningside

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Morningside

Cheapest Liability Coverage in Morningside, MD

Cheapest Full Coverage Car Insurance in Morningside

Cheapest Full Coverage Car Insurance Quotes in Morningside, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Morningside by Rating Factor

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

Car Insurance Premiums by Age in Morningside

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Morningside,MD

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

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 Morningside

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

Morningside Car Insurance Rates by Violation

Morningside auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Morningside after a DUI

Morningside car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Morningside after Speeding ticket

Car Insurance Price Trends in Morningside, Maryland

Average Car Insurance Cost in Morningside by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Morningside, MD

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

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