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Finding the cheapest car insurance quotes in Patuxent River 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.
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 Patuxent River
The car insurance rate in Patuxent River is $914 for a six-month policy, which is $102 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $669, making it a popular choice for budget-conscious drivers. Rates in Patuxent River 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.
Cheapest Car Insurance Companies in Patuxent River
1st place: Kemper
At $669 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $722 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 $738
for six months, making it
the third cheapest auto insurance company in Patuxent River.
Patuxent River Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Patuxent River, MD is Kemper, offering policies at just $669 for a six-month term. This is followed by USAA, which has an average six-month premium of $722.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1711 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Patuxent River drivers find the best deals.
Cheap Car Insurance Companies in Patuxent River, MD
Way's key takeaways about car insurance in Patuxent River
The auto insurance costs in Patuxent River fall around $669 for six
months.
The cheapest auto insurance company in Patuxent River is USAA.
Teen drivers pay the highest rate in Patuxent River at $1202 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 Patuxent River
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 Patuxent River are given below.
USAA provides
the cheapest minimum car insurance
coverage in Patuxent River. Their Average 6 Month Premium is $267.
Allstate is the most
expensive at $936 for the same
period.
Cheapest Full Coverage Car Insurance in Patuxent River
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 Patuxent River is Kemper
at $113 per month and $669
for six months.
Cheapest Full Coverage Car Insurance Quotes in Patuxent River,
MD
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Average Car Insurance in Patuxent River 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 Patuxent River, MD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Patuxent River, 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, Patuxent River's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Patuxent River
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
$617
30s
Travelers
$526
40s
Travelers
$479
50s
Travelers
$453
60s
Travelers
$508
70s
USAA
$536
Cheapest Car Insurance Rates for Teen Drivers in
Patuxent River,MD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Patuxent River at $68
per
month. At $7137 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Patuxent River.
As young drivers face the highest rates in Patuxent River, Travelers
offers the cheapest auto insurance rates at $617 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 Patuxent River,
USAA is
the cheapest car insurance provider. At $845 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
Patuxent River is State Farm, offering
rates of around $3197 for six
months.
Save up to $971/yr on car insurance rates in Patuxent River.
Car Insurance Rates with An Accident in Patuxent River
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 Patuxent River, MD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Patuxent River
The cheapest car insurance companies after an at-fault accident in
Patuxent River include Erie
and USAA, offering $663
and $754,
respectively. Encompass is an expensive provider
with an average six-month premium of
$593.
Here is a list of driving violations that can increase your car
insurance rates in Patuxent River MD. For example, the car
insurance in Patuxent River
after a DUI increases to $1015 for a six
month policy. While the rate increases by $235 for a six-month policy in the case of
a speeding ticket.
Patuxent River auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1080
$180
One Med/PIP claim
$1117
$190
Not-at-fault accident
$1160
$194
One comp claim
$1166
$198
Two Med/PIP claims
$1187
$198
Failure to wear a seat belt
$1224
$208
Failure to show documents
$1256
$210
Child safety restraint
$1267
$215
Two comp claims
$1267
$212
Driving with expired registration
$1299
$221
Cell phone violation
$1315
$220
Driving too slowly
$1315
$223
Failure to stop at a red light
$1315
$220
Failure to yield
$1315
$223
Following too closely
$1315
$220
Illegal turn
$1315
$223
Improper passing
$1315
$220
Speeding 11 - 15 MPH over limit
$1315
$223
Speeding 16 - 20 MPH over limit
$1315
$220
Speeding 6 - 10 MPH over limit
$1315
$223
Texting while driving
$1315
$220
Wrong way/wrong lane
$1315
$223
Speeding in school zone
$1331
$222
At-fault accident - less than $1000
$1358
$231
Passing school bus
$1364
$227
Driving without lights
$1369
$233
Open container
$1374
$229
Operating a vehicle without permission
$1390
$237
Speeding 21 - 25 MPH over limit
$1438
$239
In 65 MPH zone
$1571
$267
At-fault accident - $1000-$2000
$1620
$270
At-fault accident - greater than $2000
$1620
$275
Reckless driving
$1850
$309
Racing
$1989
$338
Driving with a suspended license
$2021
$337
Refusal to submit to a chemical test
$2085
$355
DUI
$2095
$349
Leaving scene of an accident/hit and run
$2111
$359
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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 Patuxent River 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 Patuxent River.
The cheapest car insurance premiums in
Patuxent River are
offered by Erie at $567 for a six-month policy.
However, it can be as
expensive as $2331 with companies
like Nationwide.
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 Patuxent River are offered by State Farm
at $508. However,
it can be as expensive as $2182
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Patuxent River after Speeding ticket
Car Insurance Price Trends in Patuxent River,
Maryland
Car insurance rates in Patuxent River have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Patuxent River rose by
$192 in December
compared to $191 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 Patuxent River remained steady at $69 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Patuxent River by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Patuxent River. At $1828 for a
six-month policy, insuring
your car at 20670 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Patuxent River?
The car insurance in Patuxent River is $45 per month, which is lower than the national average.
What is the cheapest car insurance in Patuxent River?
The cheapest car insurance in Patuxent River
is $113 per month
for full coverage.
How much is car insurance in Patuxent River for teenagers?
Car insurance for teenagers costs $401 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
Patuxent River?
The average cost of car insurance is $1016 for a six-month
policy. It will cost around $154 per month to insure your
car in Patuxent River.
Is car insurance expensive in Patuxent River?
Car insurance can be expensive in Patuxent River if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Patuxent River can be
affordable.
What is the best car insurance in Patuxent River,
MD?
The best car insurance company in Patuxent River
MD is
Kemper, offering $669 for a
six-month policy.
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Patuxent River Car Insurance
