Cheapest Car Insurance Quotes in Naval Academy

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Naval Academy Car Insurance

^$ 49

/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 Naval Academy

The car insurance rate in Naval Academy is $986 for a six-month policy, which is $30 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $721, making it a popular choice for budget-conscious drivers. Rates in Naval Academy 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 Naval Academy

$986

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Naval Academy

1st place: Kemper

At $721 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $778 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 $795 for six months, making it the third cheapest auto insurance company in Naval Academy.

Naval Academy Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Naval Academy, MD is Kemper, offering policies at just $721 for a six-month term. This is followed by USAA, which has an average six-month premium of $778.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1844 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Naval Academy drivers find the best deals.

Cheap Car Insurance Companies in Naval Academy, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$721	$122
USAA	$778	$131
State Farm	$795	$134
Travelers	$795	$134
Nationwide	$922	$155
Erie	$951	$160
Progressive	$1083	$182
Allstate	$1844	$310

Key Takeaways

Way's key takeaways about car insurance in Naval Academy

The auto insurance costs in Naval Academy fall around $721 for six months.
The cheapest auto insurance company in Naval Academy is USAA.
Teen drivers pay the highest rate in Naval Academy at $1295 per month.

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

Cheapest Minimum Liability Car Insurance in Naval Academy

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 Naval Academy are given below.

USAA provides the cheapest minimum car insurance coverage in Naval Academy. Their Average 6 Month Premium is $288. Allstate is the most expensive at $1009 for the same period.

Cheapest Liability Coverage in Naval Academy, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$288	$49
Travelers	$398	$67
State Farm	$404	$68
Kemper	$409	$68
Erie	$427	$72
Progressive	$501	$84
Nationwide	$519	$87
Allstate	$1009	$170

Cheapest Full Coverage Car Insurance in Naval Academy

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 Naval Academy is Kemper at $122 per month and $721 for six months.

Cheapest Full Coverage Car Insurance Quotes in Naval Academy, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$721	$122
USAA	$778	$131
State Farm	$795	$134
Travelers	$795	$134
Nationwide	$922	$155
Erie	$951	$160
Progressive	$1083	$182
Allstate	$1844	$310

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Average Car Insurance in Naval Academy 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 Naval Academy, MD increasing?

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

Car Insurance Premiums by Age in Naval Academy

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	$664
30s	Travelers	$566
40s	Travelers	$516
50s	Travelers	$488
60s	Travelers	$547
70s	USAA	$578

Cheapest Car Insurance Rates for Teen Drivers in Naval Academy,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Naval Academy at $74 per month. At $7692 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$433	$74
Erie	$1123	$189
Travelers	$1313	$221
USAA	$1406	$237
State Farm	$1907	$321
Progressive	$2426	$408
Nationwide	$3641	$613
Allstate	$7692	$1295

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 Naval Academy.

As young drivers face the highest rates in Naval Academy, Travelers offers the cheapest auto insurance rates at $664 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 Naval Academy, USAA is the cheapest car insurance provider. At $911 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 Naval Academy is State Farm, offering rates of around $3445 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$911	$151
Progressive	$939	$158
Nationwide	$1193	$201
Travelers	$1682	$286
Erie	$1976	$330
Allstate	$2691	$458
State Farm	$3445	$574

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

Car Insurance Rates with An Accident in Naval Academy

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

Cheapest Car Insurance Companies after an At-Fault Accident in Naval Academy

The cheapest car insurance companies after an at-fault accident in Naval Academy include Erie and USAA, offering $715 and $813, respectively. Encompass is an expensive provider with an average six-month premium of $639.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$715	$120
USAA	$813	$137
Travelers	$824	$139
State Farm	$888	$149
Progressive	$1078	$181
Nationwide	$1498	$252
Allstate	$3365	$566
Encompass	$639	$107

Naval Academy Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Naval Academy MD. For example, the car insurance in Naval Academy after a DUI increases to $1094 for a six month policy. While the rate increases by $253 for a six-month policy in the case of a speeding ticket.

Naval Academy auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1164	$194
One Med/PIP claim	$1204	$205
Not-at-fault accident	$1250	$209
One comp claim	$1256	$213
Two Med/PIP claims	$1279	$213
Failure to wear a seat belt	$1319	$224
Failure to show documents	$1354	$226
Child safety restraint	$1366	$232
Two comp claims	$1366	$228
Driving with expired registration	$1400	$238
Cell phone violation	$1417	$237
Driving too slowly	$1417	$241
Failure to stop at a red light	$1417	$237
Failure to yield	$1417	$241
Following too closely	$1417	$237
Illegal turn	$1417	$241
Improper passing	$1417	$237
Speeding 11 - 15 MPH over limit	$1417	$241
Speeding 16 - 20 MPH over limit	$1417	$237
Speeding 6 - 10 MPH over limit	$1417	$241
Texting while driving	$1417	$237
Wrong way/wrong lane	$1417	$241
Speeding in school zone	$1435	$240
At-fault accident - less than $1000	$1464	$249
Passing school bus	$1470	$244
Driving without lights	$1475	$251
Open container	$1481	$246
Operating a vehicle without permission	$1498	$255
Speeding 21 - 25 MPH over limit	$1550	$258
In 65 MPH zone	$1694	$288
At-fault accident - $1000-$2000	$1746	$291
At-fault accident - greater than $2000	$1746	$297
Reckless driving	$1993	$333
Racing	$2144	$365
Driving with a suspended license	$2178	$363
Refusal to submit to a chemical test	$2247	$382
DUI	$2258	$376
Leaving scene of an accident/hit and run	$2276	$387

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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 Naval Academy 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 Naval Academy.

The cheapest car insurance premiums in Naval Academy are offered by Erie at $611 for a six-month policy. However, it can be as expensive as $2512 with companies like Nationwide.

Naval Academy car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$611	$103
Travelers	$893	$150
Progressive	$1164	$196
USAA	$1342	$226
State Farm	$1746	$294
Allstate	$1924	$324
Nationwide	$2512	$423

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 Naval Academy are offered by State Farm at $547. However, it can be as expensive as $2351 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Naval Academy after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$547	$92
USAA	$623	$106
Erie	$726	$122
Progressive	$841	$142
Travelers	$1152	$192
Nationwide	$1636	$278
Allstate	$2351	$392

Car Insurance Price Trends in Naval Academy, Maryland

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

The average cost of full coverage in the Naval Academy rose by $207 in December compared to $206 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 Naval Academy remained steady at $75 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 Naval Academy?

The car insurance in Naval Academy is $49 per month, which is lower than the national average.

What is the cheapest car insurance in Naval Academy?

The cheapest car insurance in Naval Academy is $122 per month for full coverage.

How much is car insurance in Naval Academy for teenagers?

Car insurance for teenagers costs $433 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 Naval Academy?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $166 per month to insure your car in Naval Academy.

Is car insurance expensive in Naval Academy?

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

Cheapest Car Insurance Quotes in Naval Academy

Why you can trust Way?

How Much Is Car Insurance in Naval Academy

Avg. Car Insurance in Naval Academy

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Naval Academy

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Naval Academy Car Insurance Rates by Company

Cheap Car Insurance Companies in Naval Academy, MD

Way's key takeaways about car insurance in Naval Academy

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Naval Academy

Cheapest Liability Coverage in Naval Academy, MD

Cheapest Full Coverage Car Insurance in Naval Academy

Cheapest Full Coverage Car Insurance Quotes in Naval Academy, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Naval Academy by Rating Factor

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

Car Insurance Premiums by Age in Naval Academy

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Naval Academy,MD

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

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 Naval Academy

Cheapest Car Insurance Companies after an At-Fault Accident in Naval Academy

Naval Academy Car Insurance Rates by Violation

Naval Academy auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Naval Academy after a DUI

Naval Academy car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Naval Academy after Speeding ticket

Car Insurance Price Trends in Naval Academy, Maryland

Average Car Insurance Cost in Naval Academy by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Naval Academy, MD

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

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Data Sources