Cheapest Car Insurance Quotes in Overlea

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Overlea Car Insurance

^$ 72

/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 Overlea

The car insurance rate in Overlea is $1463 for a six-month policy, which is $447 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1070, making it a popular choice for budget-conscious drivers. Rates in Overlea 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 Overlea

$1463

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Overlea

1st place: Kemper

At $1070 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1155 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 $1181 for six months, making it the third cheapest auto insurance company in Overlea.

Overlea Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Overlea, MD is Kemper, offering policies at just $1070 for a six-month term. This is followed by USAA, which has an average six-month premium of $1155.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2737 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Overlea drivers find the best deals.

Cheap Car Insurance Companies in Overlea, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1070	$181
USAA	$1155	$194
State Farm	$1181	$199
Travelers	$1181	$199
Nationwide	$1368	$230
Erie	$1411	$238
Progressive	$1608	$271
Allstate	$2737	$461

Key Takeaways

Way's key takeaways about car insurance in Overlea

The auto insurance costs in Overlea fall around $1070 for six months.
The cheapest auto insurance company in Overlea is USAA.
Teen drivers pay the highest rate in Overlea at $1922 per month.

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

Cheapest Minimum Liability Car Insurance in Overlea

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 Overlea are given below.

USAA provides the cheapest minimum car insurance coverage in Overlea. Their Average 6 Month Premium is $428. Allstate is the most expensive at $1498 for the same period.

Cheapest Liability Coverage in Overlea, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$428	$72
Travelers	$590	$99
State Farm	$599	$101
Kemper	$608	$101
Erie	$634	$107
Progressive	$744	$125
Nationwide	$770	$130
Allstate	$1498	$252

Cheapest Full Coverage Car Insurance in Overlea

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 Overlea is Kemper at $181 per month and $1070 for six months.

Cheapest Full Coverage Car Insurance Quotes in Overlea, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1070	$181
USAA	$1155	$194
State Farm	$1181	$199
Travelers	$1181	$199
Nationwide	$1368	$230
Erie	$1411	$238
Progressive	$1608	$271
Allstate	$2737	$461

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Average Car Insurance in Overlea 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 Overlea, MD increasing?

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

Car Insurance Premiums by Age in Overlea

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	$986
30s	Travelers	$841
40s	Travelers	$766
50s	Travelers	$724
60s	Travelers	$812
70s	USAA	$858

Cheapest Car Insurance Rates for Teen Drivers in Overlea,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Overlea at $109 per month. At $11419 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$642	$109
Erie	$1668	$281
Travelers	$1950	$328
USAA	$2087	$351
State Farm	$2831	$477
Progressive	$3601	$606
Nationwide	$5406	$910
Allstate	$11419	$1922

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 Overlea.

As young drivers face the highest rates in Overlea, Travelers offers the cheapest auto insurance rates at $986 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 Overlea, USAA is the cheapest car insurance provider. At $1352 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 Overlea is State Farm, offering rates of around $5115 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1352	$225
Progressive	$1394	$235
Nationwide	$1771	$298
Travelers	$2497	$425
Erie	$2933	$490
Allstate	$3995	$680
State Farm	$5115	$852

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Car Insurance Rates with An Accident in Overlea

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

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

The cheapest car insurance companies after an at-fault accident in Overlea include Erie and USAA, offering $1061 and $1207, respectively. Encompass is an expensive provider with an average six-month premium of $949.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1061	$179
USAA	$1207	$203
Travelers	$1223	$206
State Farm	$1318	$222
Progressive	$1600	$269
Nationwide	$2223	$374
Allstate	$4995	$841
Encompass	$949	$158

Overlea Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Overlea MD. For example, the car insurance in Overlea after a DUI increases to $1624 for a six month policy. While the rate increases by $376 for a six-month policy in the case of a speeding ticket.

Overlea auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1728	$288
One Med/PIP claim	$1787	$304
Not-at-fault accident	$1856	$310
One comp claim	$1865	$317
Two Med/PIP claims	$1899	$317
Failure to wear a seat belt	$1958	$333
Failure to show documents	$2010	$336
Child safety restraint	$2028	$344
Two comp claims	$2028	$338
Driving with expired registration	$2078	$353
Cell phone violation	$2104	$351
Driving too slowly	$2104	$357
Failure to stop at a red light	$2104	$351
Failure to yield	$2104	$357
Following too closely	$2104	$351
Illegal turn	$2104	$357
Improper passing	$2104	$351
Speeding 11 - 15 MPH over limit	$2104	$357
Speeding 16 - 20 MPH over limit	$2104	$351
Speeding 6 - 10 MPH over limit	$2104	$357
Texting while driving	$2104	$351
Wrong way/wrong lane	$2104	$357
Speeding in school zone	$2130	$356
At-fault accident - less than $1000	$2173	$370
Passing school bus	$2182	$363
Driving without lights	$2190	$373
Open container	$2199	$366
Operating a vehicle without permission	$2223	$379
Speeding 21 - 25 MPH over limit	$2301	$383
In 65 MPH zone	$2514	$428
At-fault accident - $1000-$2000	$2592	$432
At-fault accident - greater than $2000	$2592	$441
Reckless driving	$2959	$494
Racing	$3182	$541
Driving with a suspended license	$3233	$539
Refusal to submit to a chemical test	$3336	$567
DUI	$3352	$559
Leaving scene of an accident/hit and run	$3378	$575

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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 Overlea 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 Overlea.

The cheapest car insurance premiums in Overlea are offered by Erie at $907 for a six-month policy. However, it can be as expensive as $3730 with companies like Nationwide.

Overlea car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$907	$153
Travelers	$1326	$223
Progressive	$1728	$291
USAA	$1993	$336
State Farm	$2592	$436
Allstate	$2857	$481
Nationwide	$3730	$628

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 Overlea are offered by State Farm at $812. However, it can be as expensive as $3491 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Overlea after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$812	$137
USAA	$924	$157
Erie	$1077	$181
Progressive	$1248	$210
Travelers	$1711	$285
Nationwide	$2429	$413
Allstate	$3491	$582

Car Insurance Price Trends in Overlea, Maryland

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

The average cost of full coverage in the Overlea rose by $307 in December compared to $305 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Overlea remained steady at $111 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 Overlea?

The car insurance in Overlea is $72 per month, which is lower than the national average.

What is the cheapest car insurance in Overlea?

The cheapest car insurance in Overlea is $181 per month for full coverage.

How much is car insurance in Overlea for teenagers?

Car insurance for teenagers costs $642 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 Overlea?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $246 per month to insure your car in Overlea.

Is car insurance expensive in Overlea?

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

Cheapest Car Insurance Quotes in Overlea

Why you can trust Way?

How Much Is Car Insurance in Overlea

Avg. Car Insurance in Overlea

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Overlea

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Overlea Car Insurance Rates by Company

Cheap Car Insurance Companies in Overlea, MD

Way's key takeaways about car insurance in Overlea

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Overlea

Cheapest Liability Coverage in Overlea, MD

Cheapest Full Coverage Car Insurance in Overlea

Cheapest Full Coverage Car Insurance Quotes in Overlea, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Overlea by Rating Factor

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

Car Insurance Premiums by Age in Overlea

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Overlea,MD

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

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 Overlea

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

Overlea Car Insurance Rates by Violation

Overlea auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Overlea after a DUI

Overlea car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Overlea after Speeding ticket

Car Insurance Price Trends in Overlea, Maryland

Average Car Insurance Cost in Overlea by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Overlea, MD

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

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