Cheapest Car Insurance Quotes in Pleasant Hills

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Pleasant Hills Car Insurance

^$ 54

/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 Pleasant Hills

The car insurance rate in Pleasant Hills is $1264 for a six-month policy, which is $60 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $780, making it a popular choice for budget-conscious drivers. Rates in Pleasant Hills 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 Pleasant Hills

$1264

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Pleasant Hills

1st place: Kemper

At $780 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $861 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $898 for six months, making it the third cheapest auto insurance company in Pleasant Hills.

Pleasant Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pleasant Hills, MD is Kemper, offering policies at just $780 for a six-month term. This is followed by USAA, which has an average six-month premium of $861.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2514 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pleasant Hills drivers find the best deals.

Cheap Car Insurance Companies in Pleasant Hills, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$780	$132
USAA	$861	$145
Travelers	$898	$151
State Farm	$991	$167
Erie	$1073	$181
Nationwide	$1079	$182
Progressive	$1279	$215
Allstate	$1903	$317
Maryland Auto	$2514	$427

Key Takeaways

Way's key takeaways about car insurance in Pleasant Hills

The auto insurance costs in Pleasant Hills fall around $780 for six months.
The cheapest auto insurance company in Pleasant Hills is USAA.
Teen drivers pay the highest rate in Pleasant Hills at $1301 per month.

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Cheapest Minimum Liability Car Insurance in Pleasant Hills

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 Pleasant Hills are given below.

USAA provides the cheapest minimum car insurance coverage in Pleasant Hills. Their Average 6 Month Premium is $318. Allstate is the most expensive at $998 for the same period.

Cheapest Liability Coverage in Pleasant Hills, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$318	$54
Travelers	$424	$71
Kemper	$443	$74
Erie	$468	$79
State Farm	$474	$80
Nationwide	$592	$100
Progressive	$611	$103
Maryland Auto	$874	$148
Allstate	$998	$166

Cheapest Full Coverage Car Insurance in Pleasant Hills

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 Pleasant Hills is Kemper at $132 per month and $780 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pleasant Hills, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$780	$132
USAA	$861	$145
Travelers	$898	$151
State Farm	$991	$167
Erie	$1073	$181
Nationwide	$1079	$182
Progressive	$1279	$215
Allstate	$1903	$317
Maryland Auto	$2514	$427

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Average Car Insurance in Pleasant Hills 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 Pleasant Hills, MD increasing?

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

Car Insurance Premiums by Age in Pleasant Hills

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 Pleasant Hills,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Pleasant Hills at $78 per month. At $7809 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$468	$78
Erie	$1460	$246
Travelers	$1553	$261
USAA	$1591	$268
State Farm	$2370	$399
Progressive	$2788	$469
Maryland Auto	$4254	$709
Nationwide	$4653	$783
Allstate	$7809	$1301

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 Pleasant Hills, USAA is the cheapest car insurance provider. At $1122 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 Pleasant Hills is Allstate, offering rates of around $2913 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1122	$187
Progressive	$1254	$211
Nationwide	$1634	$275
Travelers	$2108	$358
Maryland Auto	$2514	$419
Erie	$2651	$450
State Farm	$5757	$960
Allstate	$2913	$496

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Car Insurance Rates with An Accident in Pleasant Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Pleasant Hills

The cheapest car insurance companies after an at-fault accident in Pleasant Hills include Erie and USAA, offering $891 and $910, respectively. Allstate is an expensive provider with an average six-month premium of $3437.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$891	$150
USAA	$910	$153
Travelers	$961	$162
State Farm	$1079	$182
Progressive	$1285	$216
Nationwide	$1877	$316
Maryland Auto	$3287	$548
Allstate	$3437	$585

Pleasant Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pleasant Hills MD. For example, the car insurance in Pleasant Hills after a DUI increases to $1184 for a six month policy. While the rate increases by $274 for a six-month policy in the case of a speeding ticket.

Pleasant Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1260	$210
One Med/PIP claim	$1303	$222
Not-at-fault accident	$1353	$226
One comp claim	$1360	$231
Two Med/PIP claims	$1385	$231
Failure to wear a seat belt	$1428	$243
Failure to show documents	$1466	$245
Child safety restraint	$1478	$251
Two comp claims	$1478	$247
Driving with expired registration	$1515	$257
Cell phone violation	$1534	$256
Driving too slowly	$1534	$260
Failure to stop at a red light	$1534	$256
Failure to yield	$1534	$260
Following too closely	$1534	$256
Illegal turn	$1534	$260
Improper passing	$1534	$256
Speeding 11 - 15 MPH over limit	$1534	$260
Speeding 16 - 20 MPH over limit	$1534	$256
Speeding 6 - 10 MPH over limit	$1534	$260
Texting while driving	$1534	$256
Wrong way/wrong lane	$1534	$260
Speeding in school zone	$1553	$259
At-fault accident - less than $1000	$1584	$270
Passing school bus	$1591	$265
Driving without lights	$1597	$272
Open container	$1603	$267
Operating a vehicle without permission	$1621	$276
Speeding 21 - 25 MPH over limit	$1678	$279
In 65 MPH zone	$1833	$312
At-fault accident - $1000-$2000	$1890	$315
At-fault accident - greater than $2000	$1890	$321
Reckless driving	$2158	$360
Racing	$2321	$395
Driving with a suspended license	$2357	$393
Refusal to submit to a chemical test	$2433	$414
DUI	$2444	$407
Leaving scene of an accident/hit and run	$2463	$419

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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 Pleasant Hills 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 Pleasant Hills.

The cheapest car insurance premiums in Pleasant Hills are offered by Erie at $749 for a six-month policy. However, it can be as expensive as $3698 with companies like Maryland Auto.

Pleasant Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$749	$126
Travelers	$1029	$173
Progressive	$1385	$233
USAA	$1515	$255
Allstate	$1990	$332
State Farm	$2370	$399
Nationwide	$3243	$546
Maryland Auto	$3698	$629

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 Pleasant Hills are offered by USAA at $768. However, it can be as expensive as $2545 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Pleasant Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$768	$130
State Farm	$804	$135
Erie	$917	$154
Progressive	$1116	$188
Travelers	$1485	$252
Nationwide	$2389	$398
Maryland Auto	$2514	$427
Allstate	$2545	$424

Car Insurance Price Trends in Pleasant Hills, Maryland

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

The average cost of full coverage in the Pleasant Hills rose by $236 in January compared to $224 of December. In other words, there has been an increase by $12 when you compare January and December.

The average cost of liability insurance in the Pleasant Hills rose to $82 in January, compared to $81 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 Pleasant Hills?

The car insurance in Pleasant Hills is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Pleasant Hills?

The cheapest car insurance in Pleasant Hills is $132 per month for full coverage.

How much is car insurance in Pleasant Hills for teenagers?

Car insurance for teenagers costs $468 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 Pleasant Hills?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $212 per month to insure your car in Pleasant Hills.

Is car insurance expensive in Pleasant Hills?

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

Cheapest Car Insurance Quotes in Pleasant Hills

Why you can trust Way?

How Much Is Car Insurance in Pleasant Hills

Avg. Car Insurance in Pleasant Hills

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Pleasant Hills

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Pleasant Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Pleasant Hills, MD

Way's key takeaways about car insurance in Pleasant Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pleasant Hills

Cheapest Liability Coverage in Pleasant Hills, MD

Cheapest Full Coverage Car Insurance in Pleasant Hills

Cheapest Full Coverage Car Insurance Quotes in Pleasant Hills, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pleasant Hills by Rating Factor

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

Car Insurance Premiums by Age in Pleasant Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pleasant Hills,MD

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

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 Pleasant Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Pleasant Hills

Pleasant Hills Car Insurance Rates by Violation

Pleasant Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pleasant Hills after a DUI

Pleasant Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pleasant Hills after Speeding ticket

Car Insurance Price Trends in Pleasant Hills, Maryland

Average Car Insurance Cost in Pleasant Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pleasant Hills, MD

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

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