Cheapest Car Insurance Quotes in Potomac

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Potomac Car Insurance

^$ 49

/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 Potomac

The car insurance rate in Potomac is $1156 for a six-month policy, which is $48 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $713, making it a popular choice for budget-conscious drivers. Rates in Potomac 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 Potomac

$1156

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Potomac

1st place: Kemper

At $713 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $787 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $821 for six months, making it the third cheapest auto insurance company in Potomac.

Potomac Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Potomac, MD is Kemper, offering policies at just $713 for a six-month term. This is followed by USAA, which has an average six-month premium of $787.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2298 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Potomac drivers find the best deals.

Cheap Car Insurance Companies in Potomac, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$713	$121
USAA	$787	$132
Travelers	$821	$138
State Farm	$906	$153
Erie	$981	$165
Nationwide	$987	$166
Progressive	$1169	$197
Allstate	$1740	$290
Maryland Auto	$2298	$391

Key Takeaways

Way's key takeaways about car insurance in Potomac

The auto insurance costs in Potomac fall around $713 for six months.
The cheapest auto insurance company in Potomac is USAA.
Teen drivers pay the highest rate in Potomac at $1189 per month.

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Cheapest Minimum Liability Car Insurance in Potomac

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 Potomac are given below.

USAA provides the cheapest minimum car insurance coverage in Potomac. Their Average 6 Month Premium is $291. Allstate is the most expensive at $912 for the same period.

Cheapest Liability Coverage in Potomac, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$291	$49
Travelers	$388	$65
Kemper	$405	$67
Erie	$428	$72
State Farm	$433	$73
Nationwide	$541	$91
Progressive	$559	$94
Maryland Auto	$799	$135
Allstate	$912	$152

Cheapest Full Coverage Car Insurance in Potomac

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 Potomac is Kemper at $121 per month and $713 for six months.

Cheapest Full Coverage Car Insurance Quotes in Potomac, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$713	$121
USAA	$787	$132
Travelers	$821	$138
State Farm	$906	$153
Erie	$981	$165
Nationwide	$987	$166
Progressive	$1169	$197
Allstate	$1740	$290
Maryland Auto	$2298	$391

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Average Car Insurance in Potomac 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 Potomac, MD increasing?

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

Car Insurance Premiums by Age in Potomac

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 Potomac,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Potomac at $71 per month. At $7140 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$428	$71
Erie	$1334	$225
Travelers	$1420	$239
USAA	$1454	$245
State Farm	$2167	$365
Progressive	$2549	$429
Maryland Auto	$3889	$648
Nationwide	$4254	$716
Allstate	$7140	$1189

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 Potomac, USAA is the cheapest car insurance provider. At $1026 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 Potomac is Allstate, offering rates of around $2663 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1026	$171
Progressive	$1146	$193
Nationwide	$1494	$252
Travelers	$1928	$327
Maryland Auto	$2298	$383
Erie	$2424	$412
State Farm	$5264	$877
Allstate	$2663	$453

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Car Insurance Rates with An Accident in Potomac

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

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

The cheapest car insurance companies after an at-fault accident in Potomac include Erie and USAA, offering $815 and $832, respectively. Allstate is an expensive provider with an average six-month premium of $3142.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$815	$137
USAA	$832	$140
Travelers	$878	$148
State Farm	$987	$166
Progressive	$1175	$198
Nationwide	$1716	$289
Maryland Auto	$3005	$501
Allstate	$3142	$535

Potomac Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Potomac MD. For example, the car insurance in Potomac after a DUI increases to $1083 for a six month policy. While the rate increases by $251 for a six-month policy in the case of a speeding ticket.

Potomac auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1152	$192
One Med/PIP claim	$1191	$203
Not-at-fault accident	$1237	$206
One comp claim	$1243	$211
Two Med/PIP claims	$1266	$211
Failure to wear a seat belt	$1306	$222
Failure to show documents	$1340	$224
Child safety restraint	$1352	$229
Two comp claims	$1352	$226
Driving with expired registration	$1385	$235
Cell phone violation	$1403	$234
Driving too slowly	$1403	$238
Failure to stop at a red light	$1403	$234
Failure to yield	$1403	$238
Following too closely	$1403	$234
Illegal turn	$1403	$238
Improper passing	$1403	$234
Speeding 11 - 15 MPH over limit	$1403	$238
Speeding 16 - 20 MPH over limit	$1403	$234
Speeding 6 - 10 MPH over limit	$1403	$238
Texting while driving	$1403	$234
Wrong way/wrong lane	$1403	$238
Speeding in school zone	$1420	$237
At-fault accident - less than $1000	$1449	$247
Passing school bus	$1454	$242
Driving without lights	$1460	$249
Open container	$1466	$244
Operating a vehicle without permission	$1482	$252
Speeding 21 - 25 MPH over limit	$1534	$255
In 65 MPH zone	$1676	$285
At-fault accident - $1000-$2000	$1728	$288
At-fault accident - greater than $2000	$1728	$294
Reckless driving	$1973	$329
Racing	$2122	$361
Driving with a suspended license	$2155	$359
Refusal to submit to a chemical test	$2224	$378
DUI	$2235	$372
Leaving scene of an accident/hit and run	$2252	$383

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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 Potomac 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 Potomac.

The cheapest car insurance premiums in Potomac are offered by Erie at $684 for a six-month policy. However, it can be as expensive as $3381 with companies like Maryland Auto.

Potomac car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$684	$115
Travelers	$941	$158
Progressive	$1266	$213
USAA	$1385	$233
Allstate	$1819	$303
State Farm	$2167	$365
Nationwide	$2965	$499
Maryland Auto	$3381	$575

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 Potomac are offered by USAA at $702. However, it can be as expensive as $2327 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Potomac after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$702	$119
State Farm	$735	$124
Erie	$838	$141
Progressive	$1020	$172
Travelers	$1357	$230
Nationwide	$2184	$364
Maryland Auto	$2298	$391
Allstate	$2327	$388

Car Insurance Price Trends in Potomac, Maryland

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

The average cost of full coverage in the Potomac rose by $216 in January compared to $204 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 Potomac rose to $75 in January, compared to $74 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 Potomac?

The car insurance in Potomac is $49 per month, which is lower than the national average.

What is the cheapest car insurance in Potomac?

The cheapest car insurance in Potomac is $121 per month for full coverage.

How much is car insurance in Potomac for teenagers?

Car insurance for teenagers costs $428 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 Potomac?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $194 per month to insure your car in Potomac.

Is car insurance expensive in Potomac?

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

Cheapest Car Insurance Quotes in Potomac

Why you can trust Way?

How Much Is Car Insurance in Potomac

Avg. Car Insurance in Potomac

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Potomac

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Potomac Car Insurance Rates by Company

Cheap Car Insurance Companies in Potomac, MD

Way's key takeaways about car insurance in Potomac

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Potomac

Cheapest Liability Coverage in Potomac, MD

Cheapest Full Coverage Car Insurance in Potomac

Cheapest Full Coverage Car Insurance Quotes in Potomac, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Potomac by Rating Factor

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

Car Insurance Premiums by Age in Potomac

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Potomac,MD

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

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 Potomac

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

Potomac Car Insurance Rates by Violation

Potomac auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Potomac after a DUI

Potomac car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Potomac after Speeding ticket

Car Insurance Price Trends in Potomac, Maryland

Average Car Insurance Cost in Potomac by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Potomac, MD

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

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