Cheapest Car Insurance Quotes in Potomac Heights

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Potomac Heights Car Insurance

^$ 56

/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 Heights

The car insurance rate in Potomac Heights is $1138 for a six-month policy, which is $122 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $832, making it a popular choice for budget-conscious drivers. Rates in Potomac Heights 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 Heights

$1138

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Potomac Heights

1st place: Kemper

At $832 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $898 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 $918 for six months, making it the third cheapest auto insurance company in Potomac Heights.

Potomac Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Potomac Heights, MD is Kemper, offering policies at just $832 for a six-month term. This is followed by USAA, which has an average six-month premium of $898.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2129 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Potomac Heights drivers find the best deals.

Cheap Car Insurance Companies in Potomac Heights, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$832	$141
USAA	$898	$151
State Farm	$918	$155
Travelers	$918	$155
Nationwide	$1064	$179
Erie	$1098	$185
Progressive	$1251	$211
Allstate	$2129	$358

Key Takeaways

Way's key takeaways about car insurance in Potomac Heights

The auto insurance costs in Potomac Heights fall around $832 for six months.
The cheapest auto insurance company in Potomac Heights is USAA.
Teen drivers pay the highest rate in Potomac Heights at $1495 per month.

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Cheapest Minimum Liability Car Insurance in Potomac Heights

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 Heights are given below.

USAA provides the cheapest minimum car insurance coverage in Potomac Heights. Their Average 6 Month Premium is $333. Allstate is the most expensive at $1165 for the same period.

Cheapest Liability Coverage in Potomac Heights, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$333	$56
Travelers	$459	$77
State Farm	$466	$78
Kemper	$473	$78
Erie	$493	$83
Progressive	$579	$97
Nationwide	$599	$101
Allstate	$1165	$196

Cheapest Full Coverage Car Insurance in Potomac Heights

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 Heights is Kemper at $141 per month and $832 for six months.

Cheapest Full Coverage Car Insurance Quotes in Potomac Heights, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$832	$141
USAA	$898	$151
State Farm	$918	$155
Travelers	$918	$155
Nationwide	$1064	$179
Erie	$1098	$185
Progressive	$1251	$211
Allstate	$2129	$358

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Average Car Insurance in Potomac Heights 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 Heights, MD increasing?

Despite maintaining a clean driving record, your car insurance rates in Potomac Heights, 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 Heights'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 Heights

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	$767
30s	Travelers	$654
40s	Travelers	$596
50s	Travelers	$563
60s	Travelers	$632
70s	USAA	$668

Cheapest Car Insurance Rates for Teen Drivers in Potomac Heights,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Potomac Heights at $85 per month. At $8882 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$500	$85
Erie	$1297	$218
Travelers	$1516	$255
USAA	$1623	$273
State Farm	$2202	$371
Progressive	$2801	$472
Nationwide	$4204	$708
Allstate	$8882	$1495

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 Potomac Heights.

As young drivers face the highest rates in Potomac Heights, Travelers offers the cheapest auto insurance rates at $767 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 Potomac Heights, USAA is the cheapest car insurance provider. At $1052 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 Heights is State Farm, offering rates of around $3978 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1052	$175
Progressive	$1084	$183
Nationwide	$1378	$232
Travelers	$1942	$330
Erie	$2281	$381
Allstate	$3107	$529
State Farm	$3978	$663

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Car Insurance Rates with An Accident in Potomac Heights

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

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

The cheapest car insurance companies after an at-fault accident in Potomac Heights include Erie and USAA, offering $825 and $939, respectively. Encompass is an expensive provider with an average six-month premium of $738.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$825	$139
USAA	$939	$158
Travelers	$951	$160
State Farm	$1025	$172
Progressive	$1244	$209
Nationwide	$1729	$291
Allstate	$3885	$654
Encompass	$738	$123

Potomac Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Potomac Heights MD. For example, the car insurance in Potomac Heights after a DUI increases to $1263 for a six month policy. While the rate increases by $292 for a six-month policy in the case of a speeding ticket.

Potomac Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1344	$224
One Med/PIP claim	$1390	$236
Not-at-fault accident	$1444	$241
One comp claim	$1450	$246
Two Med/PIP claims	$1477	$246
Failure to wear a seat belt	$1523	$259
Failure to show documents	$1564	$261
Child safety restraint	$1577	$268
Two comp claims	$1577	$263
Driving with expired registration	$1616	$274
Cell phone violation	$1636	$273
Driving too slowly	$1636	$278
Failure to stop at a red light	$1636	$273
Failure to yield	$1636	$278
Following too closely	$1636	$273
Illegal turn	$1636	$278
Improper passing	$1636	$273
Speeding 11 - 15 MPH over limit	$1636	$278
Speeding 16 - 20 MPH over limit	$1636	$273
Speeding 6 - 10 MPH over limit	$1636	$278
Texting while driving	$1636	$273
Wrong way/wrong lane	$1636	$278
Speeding in school zone	$1656	$277
At-fault accident - less than $1000	$1690	$288
Passing school bus	$1697	$282
Driving without lights	$1704	$290
Open container	$1710	$284
Operating a vehicle without permission	$1729	$295
Speeding 21 - 25 MPH over limit	$1790	$298
In 65 MPH zone	$1956	$333
At-fault accident - $1000-$2000	$2016	$336
At-fault accident - greater than $2000	$2016	$343
Reckless driving	$2302	$384
Racing	$2475	$421
Driving with a suspended license	$2514	$419
Refusal to submit to a chemical test	$2595	$441
DUI	$2607	$435
Leaving scene of an accident/hit and run	$2628	$447

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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 Heights 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 Heights.

The cheapest car insurance premiums in Potomac Heights are offered by Erie at $706 for a six-month policy. However, it can be as expensive as $2901 with companies like Nationwide.

Potomac Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$706	$119
Travelers	$1032	$174
Progressive	$1344	$226
USAA	$1550	$261
State Farm	$2016	$339
Allstate	$2222	$374
Nationwide	$2901	$488

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 Heights are offered by State Farm at $632. However, it can be as expensive as $2715 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Potomac Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$632	$106
USAA	$719	$122
Erie	$838	$141
Progressive	$971	$164
Travelers	$1331	$222
Nationwide	$1889	$321
Allstate	$2715	$452

Car Insurance Price Trends in Potomac Heights, Maryland

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

The average cost of full coverage in the Potomac Heights rose by $239 in December compared to $237 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Potomac Heights remained steady at $86 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 Potomac Heights?

The car insurance in Potomac Heights is $56 per month, which is lower than the national average.

What is the cheapest car insurance in Potomac Heights?

The cheapest car insurance in Potomac Heights is $141 per month for full coverage.

How much is car insurance in Potomac Heights for teenagers?

Car insurance for teenagers costs $500 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 Heights?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $192 per month to insure your car in Potomac Heights.

Is car insurance expensive in Potomac Heights?

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

Cheapest Car Insurance Quotes in Potomac Heights

Why you can trust Way?

How Much Is Car Insurance in Potomac Heights

Avg. Car Insurance in Potomac Heights

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Potomac Heights

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Potomac Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Potomac Heights, MD

Way's key takeaways about car insurance in Potomac Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Potomac Heights

Cheapest Liability Coverage in Potomac Heights, MD

Cheapest Full Coverage Car Insurance in Potomac Heights

Cheapest Full Coverage Car Insurance Quotes in Potomac Heights, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Potomac Heights by Rating Factor

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

Car Insurance Premiums by Age in Potomac Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Potomac Heights,MD

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

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 Heights

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

Potomac Heights Car Insurance Rates by Violation

Potomac Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Potomac Heights after a DUI

Potomac Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Potomac Heights after Speeding ticket

Car Insurance Price Trends in Potomac Heights, Maryland

Average Car Insurance Cost in Potomac Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Potomac Heights, MD

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

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