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Finding the cheapest car insurance quotes in Perry Point 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 Perry Point
The car insurance rate in Perry Point is $996 for a six-month policy, which is $20 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $728, making it a popular choice for budget-conscious drivers. Rates in Perry Point 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.
At $728 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $786 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 $804
for six months, making it
the third cheapest auto insurance company in Perry Point.
Perry Point Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Perry Point, MD is Kemper, offering policies at just $728 for a six-month term. This is followed by USAA, which has an average six-month premium of $786.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1863 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Perry Point drivers find the best deals.
Way's key takeaways about car insurance in Perry Point
The auto insurance costs in Perry Point fall around $728 for six
months.
The cheapest auto insurance company in Perry Point is USAA.
Teen drivers pay the highest rate in Perry Point at $1308 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 Perry Point
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 Point are given below.
USAA provides
the cheapest minimum car insurance
coverage in Perry Point. Their Average 6 Month Premium is $291.
Allstate is the most
expensive at $1019 for the same
period.
Cheapest Full Coverage Car Insurance in Perry Point
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 Point is Kemper
at $123 per month and $728
for six months.
Cheapest Full Coverage Car Insurance Quotes in Perry Point,
MD
Get Your Car Insurance Quote in Perry Point
Instantly!
Average Car Insurance in Perry Point 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 Point, MD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Perry Point, 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 Point'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 Point
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
$671
30s
Travelers
$572
40s
Travelers
$521
50s
Travelers
$493
60s
Travelers
$553
70s
USAA
$584
Cheapest Car Insurance Rates for Teen Drivers in
Perry Point,MD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Perry Point at $74
per
month. At $7771 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 Perry Point.
As young drivers face the highest rates in Perry Point, Travelers
offers the cheapest auto insurance rates at $671 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 Point,
USAA is
the cheapest car insurance provider. At $920 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 Point is State Farm, offering
rates of around $3481 for six
months.
Save up to $971/yr on car insurance rates in Perry Point.
Car Insurance Rates with An Accident in Perry Point
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 Point, MD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Perry Point
The cheapest car insurance companies after an at-fault accident in
Perry Point include Erie
and USAA, offering $722
and $821,
respectively. Encompass is an expensive provider
with an average six-month premium of
$646.
Here is a list of driving violations that can increase your car
insurance rates in Perry Point MD. For example, the car
insurance in Perry Point
after a DUI increases to $1105 for a six
month policy. While the rate increases by $256 for a six-month policy in the case of
a speeding ticket.
Perry Point auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1176
$196
One Med/PIP claim
$1216
$207
Not-at-fault accident
$1263
$211
One comp claim
$1269
$216
Two Med/PIP claims
$1293
$216
Failure to wear a seat belt
$1333
$226
Failure to show documents
$1368
$228
Child safety restraint
$1380
$234
Two comp claims
$1380
$230
Driving with expired registration
$1414
$240
Cell phone violation
$1432
$239
Driving too slowly
$1432
$243
Failure to stop at a red light
$1432
$239
Failure to yield
$1432
$243
Following too closely
$1432
$239
Illegal turn
$1432
$243
Improper passing
$1432
$239
Speeding 11 - 15 MPH over limit
$1432
$243
Speeding 16 - 20 MPH over limit
$1432
$239
Speeding 6 - 10 MPH over limit
$1432
$243
Texting while driving
$1432
$239
Wrong way/wrong lane
$1432
$243
Speeding in school zone
$1449
$242
At-fault accident - less than $1000
$1479
$252
Passing school bus
$1485
$247
Driving without lights
$1491
$254
Open container
$1496
$249
Operating a vehicle without permission
$1513
$258
Speeding 21 - 25 MPH over limit
$1566
$261
In 65 MPH zone
$1711
$291
At-fault accident - $1000-$2000
$1764
$294
At-fault accident - greater than $2000
$1764
$300
Reckless driving
$2014
$336
Racing
$2166
$368
Driving with a suspended license
$2200
$367
Refusal to submit to a chemical test
$2271
$386
DUI
$2281
$380
Leaving scene of an accident/hit and run
$2299
$391
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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 Point 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 Point.
The cheapest car insurance premiums in
Perry Point are
offered by Erie at $617 for a six-month policy.
However, it can be as
expensive as $2538 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 Perry Point are offered by State Farm
at $553. However,
it can be as expensive as $2376
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Perry Point after Speeding ticket
Car Insurance Price Trends in Perry Point,
Maryland
Car insurance rates in Perry Point have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Perry Point rose by
$209 in December
compared to $208 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 Point remained steady at $75 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Perry Point 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
Perry Point. At $1991 for a
six-month policy, insuring
your car at 21902 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 Perry Point?
The car insurance in Perry Point is $49 per month, which is lower than the national average.
What is the cheapest car insurance in Perry Point?
The cheapest car insurance in Perry Point
is $123 per month
for full coverage.
How much is car insurance in Perry Point for teenagers?
Car insurance for teenagers costs $437 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 Point?
The average cost of car insurance is $1016 for a six-month
policy. It will cost around $168 per month to insure your
car in Perry Point.
Is car insurance expensive in Perry Point?
Car insurance can be expensive in Perry Point if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Perry Point can be
affordable.
What is the best car insurance in Perry Point,
MD?
The best car insurance company in Perry Point
MD is
Kemper, offering $728 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Perry Point, MD
Car Insurance Rates by State in the USA (2025 Update)
Perry Point Car Insurance
