Cheapest Car Insurance Quotes in Parkville

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Parkville 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 Parkville

The car insurance rate in Parkville is $1577 for a six-month policy, which is $373 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 Parkville 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 Parkville

$1577

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Parkville

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 $1074 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1120 for six months, making it the third cheapest auto insurance company in Parkville.

Parkville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Parkville, 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 $1074.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $3136 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Parkville drivers find the best deals.

Cheap Car Insurance Companies in Parkville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$973	$165
USAA	$1074	$181
Travelers	$1120	$189
State Farm	$1237	$208
Erie	$1339	$225
Nationwide	$1347	$227
Progressive	$1596	$269
Allstate	$2374	$396
Maryland Auto	$3136	$533

Key Takeaways

Way's key takeaways about car insurance in Parkville

The auto insurance costs in Parkville fall around $973 for six months.
The cheapest auto insurance company in Parkville is USAA.
Teen drivers pay the highest rate in Parkville at $1623 per month.

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Cheapest Minimum Liability Car Insurance in Parkville

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 Parkville are given below.

USAA provides the cheapest minimum car insurance coverage in Parkville. Their Average 6 Month Premium is $397. Allstate is the most expensive at $1245 for the same period.

Cheapest Liability Coverage in Parkville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$397	$67
Travelers	$529	$89
Kemper	$553	$92
Erie	$584	$98
State Farm	$591	$100
Nationwide	$739	$124
Progressive	$762	$128
Maryland Auto	$1090	$185
Allstate	$1245	$207

Cheapest Full Coverage Car Insurance in Parkville

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

Cheapest Full Coverage Car Insurance Quotes in Parkville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$973	$165
USAA	$1074	$181
Travelers	$1120	$189
State Farm	$1237	$208
Erie	$1339	$225
Nationwide	$1347	$227
Progressive	$1596	$269
Allstate	$2374	$396
Maryland Auto	$3136	$533

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Average Car Insurance in Parkville 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 Parkville, MD increasing?

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

Car Insurance Premiums by Age in Parkville

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 Parkville,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Parkville at $97 per month. At $9742 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$584	$97
Erie	$1821	$307
Travelers	$1937	$326
USAA	$1985	$334
State Farm	$2957	$498
Progressive	$3478	$586
Maryland Auto	$5307	$884
Nationwide	$5805	$977
Allstate	$9742	$1623

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 Parkville, USAA is the cheapest car insurance provider. At $1400 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 Parkville is Allstate, offering rates of around $3634 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1400	$233
Progressive	$1564	$263
Nationwide	$2038	$343
Travelers	$2630	$447
Maryland Auto	$3136	$523
Erie	$3308	$562
State Farm	$7183	$1197
Allstate	$3634	$618

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Parkville

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

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

The cheapest car insurance companies after an at-fault accident in Parkville include Erie and USAA, offering $1112 and $1136, respectively. Allstate is an expensive provider with an average six-month premium of $4288.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1112	$187
USAA	$1136	$191
Travelers	$1199	$202
State Farm	$1347	$227
Progressive	$1603	$270
Nationwide	$2342	$394
Maryland Auto	$4100	$684
Allstate	$4288	$730

Parkville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Parkville MD. For example, the car insurance in Parkville 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.

Parkville 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

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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 Parkville 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 Parkville.

The cheapest car insurance premiums in Parkville are offered by Erie at $934 for a six-month policy. However, it can be as expensive as $4614 with companies like Maryland Auto.

Parkville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$934	$157
Travelers	$1284	$216
Progressive	$1728	$291
USAA	$1890	$318
Allstate	$2482	$414
State Farm	$2957	$498
Nationwide	$4047	$681
Maryland Auto	$4614	$785

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 Parkville are offered by USAA at $958. However, it can be as expensive as $3175 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Parkville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$958	$162
State Farm	$1003	$169
Erie	$1144	$193
Progressive	$1393	$234
Travelers	$1852	$314
Nationwide	$2980	$496
Maryland Auto	$3136	$533
Allstate	$3175	$529

Car Insurance Price Trends in Parkville, Maryland

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

The average cost of full coverage in the Parkville rose by $295 in January compared to $279 of December. In other words, there has been an increase by $16 when you compare January and December.

The average cost of liability insurance in the Parkville rose to $102 in January, compared to $101 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 Parkville?

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

What is the cheapest car insurance in Parkville?

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

How much is car insurance in Parkville 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 Parkville?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $265 per month to insure your car in Parkville.

Is car insurance expensive in Parkville?

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

Cheapest Car Insurance Quotes in Parkville

Why you can trust Way?

How Much Is Car Insurance in Parkville

Avg. Car Insurance in Parkville

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Parkville

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Parkville Car Insurance Rates by Company

Cheap Car Insurance Companies in Parkville, MD

Way's key takeaways about car insurance in Parkville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Parkville

Cheapest Liability Coverage in Parkville, MD

Cheapest Full Coverage Car Insurance in Parkville

Cheapest Full Coverage Car Insurance Quotes in Parkville, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Parkville by Rating Factor

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

Car Insurance Premiums by Age in Parkville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Parkville,MD

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

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 Parkville

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

Parkville Car Insurance Rates by Violation

Parkville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Parkville after a DUI

Parkville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Parkville after Speeding ticket

Car Insurance Price Trends in Parkville, Maryland

Average Car Insurance Cost in Parkville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Parkville, MD

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

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