Cheapest Car Insurance Quotes in Perry Hall

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Perry Hall Car Insurance

^$ 59

/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 Perry Hall

The car insurance rate in Perry Hall is $1199 for a six-month policy, which is $183 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $877, making it a popular choice for budget-conscious drivers. Rates in Perry Hall 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 Perry Hall

$1199

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Perry Hall

1st place: Kemper

At $877 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $946 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 $968 for six months, making it the third cheapest auto insurance company in Perry Hall.

Perry Hall Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Perry Hall, MD is Kemper, offering policies at just $877 for a six-month term. This is followed by USAA, which has an average six-month premium of $946.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2243 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Perry Hall drivers find the best deals.

Cheap Car Insurance Companies in Perry Hall, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$877	$149
USAA	$946	$159
State Farm	$968	$163
Travelers	$968	$163
Nationwide	$1121	$189
Erie	$1156	$195
Progressive	$1318	$222
Allstate	$2243	$378

Key Takeaways

Way's key takeaways about car insurance in Perry Hall

The auto insurance costs in Perry Hall fall around $877 for six months.
The cheapest auto insurance company in Perry Hall is USAA.
Teen drivers pay the highest rate in Perry Hall at $1575 per month.

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

Cheapest Minimum Liability Car Insurance in Perry Hall

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 Perry Hall are given below.

USAA provides the cheapest minimum car insurance coverage in Perry Hall. Their Average 6 Month Premium is $350. Allstate is the most expensive at $1227 for the same period.

Cheapest Liability Coverage in Perry Hall, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$350	$59
Travelers	$484	$81
State Farm	$491	$83
Kemper	$498	$83
Erie	$519	$87
Progressive	$610	$103
Nationwide	$631	$106
Allstate	$1227	$207

Cheapest Full Coverage Car Insurance in Perry Hall

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 Perry Hall is Kemper at $149 per month and $877 for six months.

Cheapest Full Coverage Car Insurance Quotes in Perry Hall, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$877	$149
USAA	$946	$159
State Farm	$968	$163
Travelers	$968	$163
Nationwide	$1121	$189
Erie	$1156	$195
Progressive	$1318	$222
Allstate	$2243	$378

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Average Car Insurance in Perry Hall 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 Perry Hall, MD increasing?

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

Car Insurance Premiums by Age in Perry Hall

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	$808
30s	Travelers	$689
40s	Travelers	$628
50s	Travelers	$594
60s	Travelers	$666
70s	USAA	$703

Cheapest Car Insurance Rates for Teen Drivers in Perry Hall,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Perry Hall at $90 per month. At $9357 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$526	$90
Erie	$1366	$230
Travelers	$1598	$269
USAA	$1710	$288
State Farm	$2320	$391
Progressive	$2951	$497
Nationwide	$4430	$746
Allstate	$9357	$1575

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 Perry Hall.

As young drivers face the highest rates in Perry Hall, Travelers offers the cheapest auto insurance rates at $808 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 Perry Hall, USAA is the cheapest car insurance provider. At $1108 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 Perry Hall is State Farm, offering rates of around $4191 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1108	$184
Progressive	$1142	$192
Nationwide	$1451	$244
Travelers	$2046	$348
Erie	$2404	$401
Allstate	$3273	$557
State Farm	$4191	$699

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Car Insurance Rates with An Accident in Perry Hall

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

Cheapest Car Insurance Companies after an At-Fault Accident in Perry Hall

The cheapest car insurance companies after an at-fault accident in Perry Hall include Erie and USAA, offering $870 and $989, respectively. Encompass is an expensive provider with an average six-month premium of $778.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$870	$146
USAA	$989	$166
Travelers	$1002	$169
State Farm	$1080	$182
Progressive	$1311	$221
Nationwide	$1822	$307
Allstate	$4093	$689
Encompass	$778	$130

Perry Hall Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Perry Hall MD. For example, the car insurance in Perry Hall after a DUI increases to $1331 for a six month policy. While the rate increases by $308 for a six-month policy in the case of a speeding ticket.

Perry Hall auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1416	$236
One Med/PIP claim	$1464	$249
Not-at-fault accident	$1521	$254
One comp claim	$1528	$260
Two Med/PIP claims	$1556	$260
Failure to wear a seat belt	$1605	$273
Failure to show documents	$1647	$275
Child safety restraint	$1661	$282
Two comp claims	$1661	$277
Driving with expired registration	$1703	$289
Cell phone violation	$1724	$288
Driving too slowly	$1724	$293
Failure to stop at a red light	$1724	$288
Failure to yield	$1724	$293
Following too closely	$1724	$288
Illegal turn	$1724	$293
Improper passing	$1724	$288
Speeding 11 - 15 MPH over limit	$1724	$293
Speeding 16 - 20 MPH over limit	$1724	$288
Speeding 6 - 10 MPH over limit	$1724	$293
Texting while driving	$1724	$288
Wrong way/wrong lane	$1724	$293
Speeding in school zone	$1745	$291
At-fault accident - less than $1000	$1781	$303
Passing school bus	$1788	$297
Driving without lights	$1795	$306
Open container	$1802	$300
Operating a vehicle without permission	$1822	$310
Speeding 21 - 25 MPH over limit	$1886	$314
In 65 MPH zone	$2060	$350
At-fault accident - $1000-$2000	$2124	$354
At-fault accident - greater than $2000	$2124	$361
Reckless driving	$2425	$405
Racing	$2608	$444
Driving with a suspended license	$2649	$441
Refusal to submit to a chemical test	$2734	$465
DUI	$2747	$458
Leaving scene of an accident/hit and run	$2768	$471

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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 Perry Hall 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 Perry Hall.

The cheapest car insurance premiums in Perry Hall are offered by Erie at $743 for a six-month policy. However, it can be as expensive as $3056 with companies like Nationwide.

Perry Hall car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$743	$125
Travelers	$1087	$183
Progressive	$1416	$238
USAA	$1633	$275
State Farm	$2124	$358
Allstate	$2341	$394
Nationwide	$3056	$514

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 Perry Hall are offered by State Farm at $666. However, it can be as expensive as $2860 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Perry Hall after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$666	$112
USAA	$758	$129
Erie	$883	$149
Progressive	$1023	$172
Travelers	$1402	$234
Nationwide	$1991	$339
Allstate	$2860	$477

Car Insurance Price Trends in Perry Hall, Maryland

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

The average cost of full coverage in the Perry Hall rose by $251 in December compared to $250 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 Perry Hall remained steady at $91 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 Perry Hall?

The car insurance in Perry Hall is $59 per month, which is lower than the national average.

What is the cheapest car insurance in Perry Hall?

The cheapest car insurance in Perry Hall is $149 per month for full coverage.

How much is car insurance in Perry Hall for teenagers?

Car insurance for teenagers costs $526 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 Perry Hall?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $202 per month to insure your car in Perry Hall.

Is car insurance expensive in Perry Hall?

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

Cheapest Car Insurance Quotes in Perry Hall

Why you can trust Way?

How Much Is Car Insurance in Perry Hall

Avg. Car Insurance in Perry Hall

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Perry Hall

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Perry Hall Car Insurance Rates by Company

Cheap Car Insurance Companies in Perry Hall, MD

Way's key takeaways about car insurance in Perry Hall

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Perry Hall

Cheapest Liability Coverage in Perry Hall, MD

Cheapest Full Coverage Car Insurance in Perry Hall

Cheapest Full Coverage Car Insurance Quotes in Perry Hall, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Perry Hall by Rating Factor

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

Car Insurance Premiums by Age in Perry Hall

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Perry Hall,MD

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

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 Perry Hall

Cheapest Car Insurance Companies after an At-Fault Accident in Perry Hall

Perry Hall Car Insurance Rates by Violation

Perry Hall auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Perry Hall after a DUI

Perry Hall car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Perry Hall after Speeding ticket

Car Insurance Price Trends in Perry Hall, Maryland

Average Car Insurance Cost in Perry Hall by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Perry Hall, MD

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

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