Cheapest Car Insurance Quotes in Mount Rainier

Finding the cheapest car insurance quotes in Mount Rainier 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

399,755 Policies Sold

Mount Rainier 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 Mount Rainier

The car insurance rate in Mount Rainier is $1331 for a six-month policy, which is $315 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $973, making it a popular choice for budget-conscious drivers. Rates in Mount Rainier 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 Mount Rainier

$1331

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Mount Rainier

1st place: Kemper

At $973 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1051 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 $1074 for six months, making it the third cheapest auto insurance company in Mount Rainier.

Mount Rainier Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Rainier, MD is Kemper, offering policies at just $973 for a six-month term. This is followed by USAA, which has an average six-month premium of $1051.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2490 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Rainier drivers find the best deals.

Cheap Car Insurance Companies in Mount Rainier, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$973	$165
USAA	$1051	$177
State Farm	$1074	$181
Travelers	$1074	$181
Nationwide	$1245	$210
Erie	$1284	$216
Progressive	$1463	$246
Allstate	$2490	$419

Key Takeaways

Way's key takeaways about car insurance in Mount Rainier

The auto insurance costs in Mount Rainier fall around $973 for six months.
The cheapest auto insurance company in Mount Rainier is USAA.
Teen drivers pay the highest rate in Mount Rainier at $1749 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 Mount Rainier

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 Mount Rainier are given below.

USAA provides the cheapest minimum car insurance coverage in Mount Rainier. Their Average 6 Month Premium is $389. Allstate is the most expensive at $1362 for the same period.

Cheapest Liability Coverage in Mount Rainier, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$389	$66
Travelers	$537	$90
State Farm	$545	$92
Kemper	$553	$92
Erie	$576	$97
Progressive	$677	$114
Nationwide	$701	$118
Allstate	$1362	$229

Cheapest Full Coverage Car Insurance in Mount Rainier

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 Mount Rainier is Kemper at $165 per month and $973 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Rainier, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$973	$165
USAA	$1051	$177
State Farm	$1074	$181
Travelers	$1074	$181
Nationwide	$1245	$210
Erie	$1284	$216
Progressive	$1463	$246
Allstate	$2490	$419

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Mount Rainier Instantly!

Average Car Insurance in Mount Rainier 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 Mount Rainier, MD increasing?

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

Car Insurance Premiums by Age in Mount Rainier

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	$897
30s	Travelers	$765
40s	Travelers	$697
50s	Travelers	$659
60s	Travelers	$739
70s	USAA	$781

Cheapest Car Insurance Rates for Teen Drivers in Mount Rainier,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Mount Rainier at $100 per month. At $10388 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$584	$100
Erie	$1517	$255
Travelers	$1774	$299
USAA	$1898	$320
State Farm	$2575	$434
Progressive	$3276	$552
Nationwide	$4918	$828
Allstate	$10388	$1749

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 Mount Rainier.

As young drivers face the highest rates in Mount Rainier, Travelers offers the cheapest auto insurance rates at $897 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 Mount Rainier, USAA is the cheapest car insurance provider. At $1230 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 Mount Rainier is State Farm, offering rates of around $4653 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1230	$204
Progressive	$1268	$214
Nationwide	$1611	$271
Travelers	$2272	$386
Erie	$2668	$445
Allstate	$3634	$618
State Farm	$4653	$776

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Mount Rainier

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Rainier

The cheapest car insurance companies after an at-fault accident in Mount Rainier include Erie and USAA, offering $965 and $1098, respectively. Encompass is an expensive provider with an average six-month premium of $863.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$965	$162
USAA	$1098	$185
Travelers	$1112	$187
State Farm	$1199	$202
Progressive	$1455	$245
Nationwide	$2023	$341
Allstate	$4544	$765
Encompass	$863	$144

Mount Rainier Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Rainier MD. For example, the car insurance in Mount Rainier after a DUI increases to $1478 for a six month policy. While the rate increases by $342 for a six-month policy in the case of a speeding ticket.

Mount Rainier auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1572	$262
One Med/PIP claim	$1626	$276
Not-at-fault accident	$1689	$282
One comp claim	$1696	$288
Two Med/PIP claims	$1728	$288
Failure to wear a seat belt	$1782	$303
Failure to show documents	$1829	$305
Child safety restraint	$1844	$313
Two comp claims	$1844	$308
Driving with expired registration	$1890	$321
Cell phone violation	$1914	$320
Driving too slowly	$1914	$325
Failure to stop at a red light	$1914	$320
Failure to yield	$1914	$325
Following too closely	$1914	$320
Illegal turn	$1914	$325
Improper passing	$1914	$320
Speeding 11 - 15 MPH over limit	$1914	$325
Speeding 16 - 20 MPH over limit	$1914	$320
Speeding 6 - 10 MPH over limit	$1914	$325
Texting while driving	$1914	$320
Wrong way/wrong lane	$1914	$325
Speeding in school zone	$1937	$324
At-fault accident - less than $1000	$1977	$337
Passing school bus	$1985	$330
Driving without lights	$1993	$339
Open container	$2000	$333
Operating a vehicle without permission	$2023	$345
Speeding 21 - 25 MPH over limit	$2093	$348
In 65 MPH zone	$2287	$389
At-fault accident - $1000-$2000	$2358	$393
At-fault accident - greater than $2000	$2358	$401
Reckless driving	$2692	$449
Racing	$2895	$493
Driving with a suspended license	$2941	$490
Refusal to submit to a chemical test	$3035	$516
DUI	$3050	$508
Leaving scene of an accident/hit and run	$3073	$523

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 Mount Rainier 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 Mount Rainier.

The cheapest car insurance premiums in Mount Rainier are offered by Erie at $825 for a six-month policy. However, it can be as expensive as $3393 with companies like Nationwide.

Mount Rainier car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$825	$139
Travelers	$1207	$203
Progressive	$1572	$265
USAA	$1813	$305
State Farm	$2358	$397
Allstate	$2599	$438
Nationwide	$3393	$571

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 Mount Rainier are offered by State Farm at $739. However, it can be as expensive as $3175 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Mount Rainier after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$739	$124
USAA	$841	$143
Erie	$980	$165
Progressive	$1136	$191
Travelers	$1556	$259
Nationwide	$2210	$376
Allstate	$3175	$529

Car Insurance Price Trends in Mount Rainier, Maryland

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

The average cost of full coverage in the Mount Rainier rose by $279 in December compared to $278 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 Mount Rainier remained steady at $101 in both December and November, indicating no change over the two month period.

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 Mount Rainier?

The car insurance in Mount Rainier is $66 per month, which is lower than the national average.

What is the cheapest car insurance in Mount Rainier?

The cheapest car insurance in Mount Rainier is $165 per month for full coverage.

How much is car insurance in Mount Rainier for teenagers?

Car insurance for teenagers costs $584 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 Mount Rainier?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $224 per month to insure your car in Mount Rainier.

Is car insurance expensive in Mount Rainier?

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

Cheapest Car Insurance Quotes in Mount Rainier

Why you can trust Way?

How Much Is Car Insurance in Mount Rainier

Avg. Car Insurance in Mount Rainier

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Mount Rainier

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Mount Rainier Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Rainier, MD

Way's key takeaways about car insurance in Mount Rainier

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Rainier

Cheapest Liability Coverage in Mount Rainier, MD

Cheapest Full Coverage Car Insurance in Mount Rainier

Cheapest Full Coverage Car Insurance Quotes in Mount Rainier, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Rainier by Rating Factor

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

Car Insurance Premiums by Age in Mount Rainier

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mount Rainier,MD

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

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 Mount Rainier

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Rainier

Mount Rainier Car Insurance Rates by Violation

Mount Rainier auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Rainier after a DUI

Mount Rainier car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Rainier after Speeding ticket

Car Insurance Price Trends in Mount Rainier, Maryland

Average Car Insurance Cost in Mount Rainier by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Rainier, MD

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

Featured Blogs

Data Sources