Cheapest Car Insurance Quotes in Pikesville

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Pikesville Car Insurance

^$ 74

/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 Pikesville

The car insurance rate in Pikesville is $1504 for a six-month policy, which is $488 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1100, making it a popular choice for budget-conscious drivers. Rates in Pikesville 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 Pikesville

$1504

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Pikesville

1st place: Kemper

At $1100 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1187 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 $1214 for six months, making it the third cheapest auto insurance company in Pikesville.

Pikesville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pikesville, MD is Kemper, offering policies at just $1100 for a six-month term. This is followed by USAA, which has an average six-month premium of $1187.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2813 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pikesville drivers find the best deals.

Cheap Car Insurance Companies in Pikesville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1100	$186
USAA	$1187	$200
State Farm	$1214	$204
Travelers	$1214	$204
Nationwide	$1406	$237
Erie	$1450	$244
Progressive	$1653	$278
Allstate	$2813	$474

Key Takeaways

Way's key takeaways about car insurance in Pikesville

The auto insurance costs in Pikesville fall around $1100 for six months.
The cheapest auto insurance company in Pikesville is USAA.
Teen drivers pay the highest rate in Pikesville at $1976 per month.

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Cheapest Minimum Liability Car Insurance in Pikesville

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 Pikesville are given below.

USAA provides the cheapest minimum car insurance coverage in Pikesville. Their Average 6 Month Premium is $440. Allstate is the most expensive at $1539 for the same period.

Cheapest Liability Coverage in Pikesville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$440	$74
Travelers	$607	$102
State Farm	$616	$104
Kemper	$625	$104
Erie	$651	$110
Progressive	$765	$129
Nationwide	$792	$133
Allstate	$1539	$259

Cheapest Full Coverage Car Insurance in Pikesville

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 Pikesville is Kemper at $186 per month and $1100 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pikesville, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1100	$186
USAA	$1187	$200
State Farm	$1214	$204
Travelers	$1214	$204
Nationwide	$1406	$237
Erie	$1450	$244
Progressive	$1653	$278
Allstate	$2813	$474

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Average Car Insurance in Pikesville 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 Pikesville, MD increasing?

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

Car Insurance Premiums by Age in Pikesville

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	$1014
30s	Travelers	$864
40s	Travelers	$787
50s	Travelers	$744
60s	Travelers	$835
70s	USAA	$882

Cheapest Car Insurance Rates for Teen Drivers in Pikesville,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Pikesville at $112 per month. At $11736 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$660	$112
Erie	$1714	$289
Travelers	$2004	$337
USAA	$2145	$361
State Farm	$2910	$490
Progressive	$3701	$623
Nationwide	$5556	$935
Allstate	$11736	$1976

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 Pikesville.

As young drivers face the highest rates in Pikesville, Travelers offers the cheapest auto insurance rates at $1014 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 Pikesville, USAA is the cheapest car insurance provider. At $1390 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 Pikesville is State Farm, offering rates of around $5257 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1390	$231
Progressive	$1433	$241
Nationwide	$1820	$306
Travelers	$2566	$437
Erie	$3015	$503
Allstate	$4106	$699
State Farm	$5257	$876

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Car Insurance Rates with An Accident in Pikesville

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

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

The cheapest car insurance companies after an at-fault accident in Pikesville include Erie and USAA, offering $1091 and $1240, respectively. Encompass is an expensive provider with an average six-month premium of $975.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1091	$184
USAA	$1240	$209
Travelers	$1257	$212
State Farm	$1354	$228
Progressive	$1644	$277
Nationwide	$2285	$385
Allstate	$5134	$864
Encompass	$975	$163

Pikesville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pikesville MD. For example, the car insurance in Pikesville after a DUI increases to $1669 for a six month policy. While the rate increases by $386 for a six-month policy in the case of a speeding ticket.

Pikesville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1776	$296
One Med/PIP claim	$1837	$312
Not-at-fault accident	$1908	$318
One comp claim	$1917	$326
Two Med/PIP claims	$1952	$326
Failure to wear a seat belt	$2013	$342
Failure to show documents	$2066	$345
Child safety restraint	$2084	$354
Two comp claims	$2084	$348
Driving with expired registration	$2136	$363
Cell phone violation	$2162	$361
Driving too slowly	$2162	$367
Failure to stop at a red light	$2162	$361
Failure to yield	$2162	$367
Following too closely	$2162	$361
Illegal turn	$2162	$367
Improper passing	$2162	$361
Speeding 11 - 15 MPH over limit	$2162	$367
Speeding 16 - 20 MPH over limit	$2162	$361
Speeding 6 - 10 MPH over limit	$2162	$367
Texting while driving	$2162	$361
Wrong way/wrong lane	$2162	$367
Speeding in school zone	$2189	$366
At-fault accident - less than $1000	$2233	$380
Passing school bus	$2242	$373
Driving without lights	$2251	$383
Open container	$2260	$376
Operating a vehicle without permission	$2285	$389
Speeding 21 - 25 MPH over limit	$2365	$394
In 65 MPH zone	$2584	$440
At-fault accident - $1000-$2000	$2664	$444
At-fault accident - greater than $2000	$2664	$453
Reckless driving	$3041	$508
Racing	$3271	$556
Driving with a suspended license	$3323	$554
Refusal to submit to a chemical test	$3429	$583
DUI	$3445	$574
Leaving scene of an accident/hit and run	$3472	$591

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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 Pikesville 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 Pikesville.

The cheapest car insurance premiums in Pikesville are offered by Erie at $932 for a six-month policy. However, it can be as expensive as $3833 with companies like Nationwide.

Pikesville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$932	$157
Travelers	$1363	$229
Progressive	$1776	$299
USAA	$2048	$345
State Farm	$2664	$448
Allstate	$2936	$494
Nationwide	$3833	$645

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 Pikesville are offered by State Farm at $835. However, it can be as expensive as $3588 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Pikesville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$835	$141
USAA	$950	$161
Erie	$1107	$186
Progressive	$1283	$216
Travelers	$1758	$293
Nationwide	$2497	$425
Allstate	$3588	$598

Car Insurance Price Trends in Pikesville, Maryland

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

The average cost of full coverage in the Pikesville rose by $315 in December compared to $314 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 Pikesville remained steady at $114 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 Pikesville?

The car insurance in Pikesville is $74 per month, which is lower than the national average.

What is the cheapest car insurance in Pikesville?

The cheapest car insurance in Pikesville is $186 per month for full coverage.

How much is car insurance in Pikesville for teenagers?

Car insurance for teenagers costs $660 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 Pikesville?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $253 per month to insure your car in Pikesville.

Is car insurance expensive in Pikesville?

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

Cheapest Car Insurance Quotes in Pikesville

Why you can trust Way?

How Much Is Car Insurance in Pikesville

Avg. Car Insurance in Pikesville

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Pikesville

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Pikesville Car Insurance Rates by Company

Cheap Car Insurance Companies in Pikesville, MD

Way's key takeaways about car insurance in Pikesville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pikesville

Cheapest Liability Coverage in Pikesville, MD

Cheapest Full Coverage Car Insurance in Pikesville

Cheapest Full Coverage Car Insurance Quotes in Pikesville, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pikesville by Rating Factor

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

Car Insurance Premiums by Age in Pikesville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pikesville,MD

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

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 Pikesville

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

Pikesville Car Insurance Rates by Violation

Pikesville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pikesville after a DUI

Pikesville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pikesville after Speeding ticket

Car Insurance Price Trends in Pikesville, Maryland

Average Car Insurance Cost in Pikesville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pikesville, MD

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

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