Cheapest Car Insurance Quotes in North Potomac

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North Potomac Car Insurance

^$ 48

/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 North Potomac

The car insurance rate in North Potomac is $1144 for a six-month policy, which is $60 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $706, making it a popular choice for budget-conscious drivers. Rates in North Potomac 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 North Potomac

$1144

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in North Potomac

1st place: Kemper

At $706 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $779 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $812 for six months, making it the third cheapest auto insurance company in North Potomac.

North Potomac Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Potomac, MD is Kemper, offering policies at just $706 for a six-month term. This is followed by USAA, which has an average six-month premium of $779.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2274 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Potomac drivers find the best deals.

Cheap Car Insurance Companies in North Potomac, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$706	$120
USAA	$779	$131
Travelers	$812	$137
State Farm	$897	$151
Erie	$971	$163
Nationwide	$977	$164
Progressive	$1157	$195
Allstate	$1721	$287
Maryland Auto	$2274	$387

Key Takeaways

Way's key takeaways about car insurance in North Potomac

The auto insurance costs in North Potomac fall around $706 for six months.
The cheapest auto insurance company in North Potomac is USAA.
Teen drivers pay the highest rate in North Potomac at $1177 per month.

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Cheapest Minimum Liability Car Insurance in North Potomac

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 North Potomac are given below.

USAA provides the cheapest minimum car insurance coverage in North Potomac. Their Average 6 Month Premium is $288. Allstate is the most expensive at $903 for the same period.

Cheapest Liability Coverage in North Potomac, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$288	$48
Travelers	$384	$65
Kemper	$401	$67
Erie	$424	$71
State Farm	$428	$72
Nationwide	$536	$90
Progressive	$553	$93
Maryland Auto	$790	$134
Allstate	$903	$150

Cheapest Full Coverage Car Insurance in North Potomac

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 North Potomac is Kemper at $120 per month and $706 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Potomac, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$706	$120
USAA	$779	$131
Travelers	$812	$137
State Farm	$897	$151
Erie	$971	$163
Nationwide	$977	$164
Progressive	$1157	$195
Allstate	$1721	$287
Maryland Auto	$2274	$387

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Average Car Insurance in North Potomac 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 North Potomac, MD increasing?

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

Car Insurance Premiums by Age in North Potomac

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 North Potomac,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the North Potomac at $70 per month. At $7065 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$424	$70
Erie	$1321	$222
Travelers	$1405	$237
USAA	$1439	$242
State Farm	$2144	$361
Progressive	$2522	$425
Maryland Auto	$3848	$641
Nationwide	$4209	$709
Allstate	$7065	$1177

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 North Potomac, USAA is the cheapest car insurance provider. At $1016 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 North Potomac is Allstate, offering rates of around $2635 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1016	$169
Progressive	$1134	$191
Nationwide	$1478	$249
Travelers	$1908	$324
Maryland Auto	$2274	$379
Erie	$2399	$408
State Farm	$5209	$868
Allstate	$2635	$448

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Car Insurance Rates with An Accident in North Potomac

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

Cheapest Car Insurance Companies after an At-Fault Accident in North Potomac

The cheapest car insurance companies after an at-fault accident in North Potomac include Erie and USAA, offering $807 and $824, respectively. Allstate is an expensive provider with an average six-month premium of $3109.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$807	$136
USAA	$824	$139
Travelers	$869	$146
State Farm	$977	$164
Progressive	$1163	$196
Nationwide	$1699	$286
Maryland Auto	$2974	$496
Allstate	$3109	$529

North Potomac Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Potomac MD. For example, the car insurance in North Potomac after a DUI increases to $1072 for a six month policy. While the rate increases by $248 for a six-month policy in the case of a speeding ticket.

North Potomac auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1140	$190
One Med/PIP claim	$1179	$200
Not-at-fault accident	$1225	$204
One comp claim	$1230	$209
Two Med/PIP claims	$1253	$209
Failure to wear a seat belt	$1292	$219
Failure to show documents	$1326	$221
Child safety restraint	$1338	$227
Two comp claims	$1338	$223
Driving with expired registration	$1371	$233
Cell phone violation	$1388	$232
Driving too slowly	$1388	$236
Failure to stop at a red light	$1388	$232
Failure to yield	$1388	$236
Following too closely	$1388	$232
Illegal turn	$1388	$236
Improper passing	$1388	$232
Speeding 11 - 15 MPH over limit	$1388	$236
Speeding 16 - 20 MPH over limit	$1388	$232
Speeding 6 - 10 MPH over limit	$1388	$236
Texting while driving	$1388	$232
Wrong way/wrong lane	$1388	$236
Speeding in school zone	$1405	$235
At-fault accident - less than $1000	$1434	$244
Passing school bus	$1439	$239
Driving without lights	$1445	$246
Open container	$1451	$241
Operating a vehicle without permission	$1467	$250
Speeding 21 - 25 MPH over limit	$1518	$253
In 65 MPH zone	$1659	$282
At-fault accident - $1000-$2000	$1710	$285
At-fault accident - greater than $2000	$1710	$291
Reckless driving	$1952	$326
Racing	$2100	$357
Driving with a suspended license	$2133	$355
Refusal to submit to a chemical test	$2201	$374
DUI	$2212	$369
Leaving scene of an accident/hit and run	$2229	$379

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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 North Potomac 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 North Potomac.

The cheapest car insurance premiums in North Potomac are offered by Erie at $677 for a six-month policy. However, it can be as expensive as $3346 with companies like Maryland Auto.

North Potomac car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$677	$114
Travelers	$931	$157
Progressive	$1253	$211
USAA	$1371	$231
Allstate	$1800	$300
State Farm	$2144	$361
Nationwide	$2935	$494
Maryland Auto	$3346	$569

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 North Potomac are offered by USAA at $694. However, it can be as expensive as $2303 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in North Potomac after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$694	$118
State Farm	$728	$123
Erie	$829	$140
Progressive	$1010	$170
Travelers	$1343	$228
Nationwide	$2161	$360
Maryland Auto	$2274	$387
Allstate	$2303	$384

Car Insurance Price Trends in North Potomac, Maryland

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

The average cost of full coverage in the North Potomac rose by $214 in January compared to $202 of December. In other words, there has been an increase by $12 when you compare January and December.

The average cost of liability insurance in the North Potomac rose to $74 in January, compared to $73 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 North Potomac?

The car insurance in North Potomac is $48 per month, which is lower than the national average.

What is the cheapest car insurance in North Potomac?

The cheapest car insurance in North Potomac is $120 per month for full coverage.

How much is car insurance in North Potomac for teenagers?

Car insurance for teenagers costs $424 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 North Potomac?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $192 per month to insure your car in North Potomac.

Is car insurance expensive in North Potomac?

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

Cheapest Car Insurance Quotes in North Potomac

Why you can trust Way?

How Much Is Car Insurance in North Potomac

Avg. Car Insurance in North Potomac

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in North Potomac

1st place: Kemper

2nd place: USAA

3rd place: Travelers

North Potomac Car Insurance Rates by Company

Cheap Car Insurance Companies in North Potomac, MD

Way's key takeaways about car insurance in North Potomac

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in North Potomac

Cheapest Liability Coverage in North Potomac, MD

Cheapest Full Coverage Car Insurance in North Potomac

Cheapest Full Coverage Car Insurance Quotes in North Potomac, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in North Potomac by Rating Factor

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

Car Insurance Premiums by Age in North Potomac

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in North Potomac,MD

If you are in your twenties N/A is the best choice for car insurance in North Potomac.

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 North Potomac

Cheapest Car Insurance Companies after an At-Fault Accident in North Potomac

North Potomac Car Insurance Rates by Violation

North Potomac auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in North Potomac after a DUI

North Potomac car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in North Potomac after Speeding ticket

Car Insurance Price Trends in North Potomac, Maryland

Average Car Insurance Cost in North Potomac by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near North Potomac, MD

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

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