Cheapest Car Insurance Quotes in Randallstown

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Randallstown 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 Randallstown

The car insurance rate in Randallstown is $1494 for a six-month policy, which is $478 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1092, making it a popular choice for budget-conscious drivers. Rates in Randallstown 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 Randallstown

$1494

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Randallstown

1st place: Kemper

At $1092 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1179 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 $1205 for six months, making it the third cheapest auto insurance company in Randallstown.

Randallstown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Randallstown, MD is Kemper, offering policies at just $1092 for a six-month term. This is followed by USAA, which has an average six-month premium of $1179.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2794 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Randallstown drivers find the best deals.

Cheap Car Insurance Companies in Randallstown, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1092	$185
USAA	$1179	$198
State Farm	$1205	$203
Travelers	$1205	$203
Nationwide	$1397	$235
Erie	$1441	$243
Progressive	$1642	$276
Allstate	$2794	$470

Key Takeaways

Way's key takeaways about car insurance in Randallstown

The auto insurance costs in Randallstown fall around $1092 for six months.
The cheapest auto insurance company in Randallstown is USAA.
Teen drivers pay the highest rate in Randallstown at $1962 per month.

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Cheapest Minimum Liability Car Insurance in Randallstown

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 Randallstown are given below.

USAA provides the cheapest minimum car insurance coverage in Randallstown. Their Average 6 Month Premium is $437. Allstate is the most expensive at $1529 for the same period.

Cheapest Liability Coverage in Randallstown, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$437	$74
Travelers	$603	$101
State Farm	$612	$103
Kemper	$620	$103
Erie	$647	$109
Progressive	$760	$128
Nationwide	$786	$132
Allstate	$1529	$257

Cheapest Full Coverage Car Insurance in Randallstown

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 Randallstown is Kemper at $185 per month and $1092 for six months.

Cheapest Full Coverage Car Insurance Quotes in Randallstown, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1092	$185
USAA	$1179	$198
State Farm	$1205	$203
Travelers	$1205	$203
Nationwide	$1397	$235
Erie	$1441	$243
Progressive	$1642	$276
Allstate	$2794	$470

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Average Car Insurance in Randallstown 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 Randallstown, MD increasing?

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

Car Insurance Premiums by Age in Randallstown

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	$1007
30s	Travelers	$858
40s	Travelers	$782
50s	Travelers	$739
60s	Travelers	$829
70s	USAA	$876

Cheapest Car Insurance Rates for Teen Drivers in Randallstown,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Randallstown at $112 per month. At $11657 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$656	$112
Erie	$1702	$287
Travelers	$1990	$335
USAA	$2130	$359
State Farm	$2890	$487
Progressive	$3676	$619
Nationwide	$5518	$929
Allstate	$11657	$1962

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 Randallstown.

As young drivers face the highest rates in Randallstown, Travelers offers the cheapest auto insurance rates at $1007 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 Randallstown, USAA is the cheapest car insurance provider. At $1380 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 Randallstown is State Farm, offering rates of around $5221 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1380	$229
Progressive	$1423	$240
Nationwide	$1808	$304
Travelers	$2549	$434
Erie	$2994	$500
Allstate	$4078	$694
State Farm	$5221	$870

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Car Insurance Rates with An Accident in Randallstown

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

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

The cheapest car insurance companies after an at-fault accident in Randallstown include Erie and USAA, offering $1083 and $1232, respectively. Encompass is an expensive provider with an average six-month premium of $969.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1083	$182
USAA	$1232	$207
Travelers	$1248	$210
State Farm	$1345	$226
Progressive	$1633	$275
Nationwide	$2270	$382
Allstate	$5099	$858
Encompass	$969	$162

Randallstown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Randallstown MD. For example, the car insurance in Randallstown after a DUI increases to $1658 for a six month policy. While the rate increases by $384 for a six-month policy in the case of a speeding ticket.

Randallstown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1764	$294
One Med/PIP claim	$1824	$310
Not-at-fault accident	$1895	$316
One comp claim	$1904	$323
Two Med/PIP claims	$1939	$323
Failure to wear a seat belt	$1999	$340
Failure to show documents	$2052	$343
Child safety restraint	$2070	$351
Two comp claims	$2070	$345
Driving with expired registration	$2121	$360
Cell phone violation	$2148	$359
Driving too slowly	$2148	$365
Failure to stop at a red light	$2148	$359
Failure to yield	$2148	$365
Following too closely	$2148	$359
Illegal turn	$2148	$365
Improper passing	$2148	$359
Speeding 11 - 15 MPH over limit	$2148	$365
Speeding 16 - 20 MPH over limit	$2148	$359
Speeding 6 - 10 MPH over limit	$2148	$365
Texting while driving	$2148	$359
Wrong way/wrong lane	$2148	$365
Speeding in school zone	$2174	$363
At-fault accident - less than $1000	$2218	$378
Passing school bus	$2227	$370
Driving without lights	$2236	$381
Open container	$2245	$373
Operating a vehicle without permission	$2270	$387
Speeding 21 - 25 MPH over limit	$2349	$391
In 65 MPH zone	$2567	$437
At-fault accident - $1000-$2000	$2646	$441
At-fault accident - greater than $2000	$2646	$450
Reckless driving	$3021	$504
Racing	$3249	$553
Driving with a suspended license	$3300	$550
Refusal to submit to a chemical test	$3406	$579
DUI	$3422	$570
Leaving scene of an accident/hit and run	$3449	$587

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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 Randallstown 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 Randallstown.

The cheapest car insurance premiums in Randallstown are offered by Erie at $926 for a six-month policy. However, it can be as expensive as $3807 with companies like Nationwide.

Randallstown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$926	$156
Travelers	$1354	$228
Progressive	$1764	$297
USAA	$2034	$343
State Farm	$2646	$445
Allstate	$2916	$491
Nationwide	$3807	$641

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 Randallstown are offered by State Farm at $829. However, it can be as expensive as $3563 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Randallstown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$829	$140
USAA	$944	$160
Erie	$1100	$185
Progressive	$1274	$215
Travelers	$1746	$291
Nationwide	$2480	$422
Allstate	$3563	$594

Car Insurance Price Trends in Randallstown, Maryland

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

The average cost of full coverage in the Randallstown rose by $313 in December compared to $312 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 Randallstown remained steady at $113 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 Randallstown?

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

What is the cheapest car insurance in Randallstown?

The cheapest car insurance in Randallstown is $185 per month for full coverage.

How much is car insurance in Randallstown for teenagers?

Car insurance for teenagers costs $656 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 Randallstown?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $251 per month to insure your car in Randallstown.

Is car insurance expensive in Randallstown?

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

Cheapest Car Insurance Quotes in Randallstown

Why you can trust Way?

How Much Is Car Insurance in Randallstown

Avg. Car Insurance in Randallstown

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Randallstown

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Randallstown Car Insurance Rates by Company

Cheap Car Insurance Companies in Randallstown, MD

Way's key takeaways about car insurance in Randallstown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Randallstown

Cheapest Liability Coverage in Randallstown, MD

Cheapest Full Coverage Car Insurance in Randallstown

Cheapest Full Coverage Car Insurance Quotes in Randallstown, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Randallstown by Rating Factor

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

Car Insurance Premiums by Age in Randallstown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Randallstown,MD

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

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 Randallstown

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

Randallstown Car Insurance Rates by Violation

Randallstown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Randallstown after a DUI

Randallstown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Randallstown after Speeding ticket

Car Insurance Price Trends in Randallstown, Maryland

Average Car Insurance Cost in Randallstown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Randallstown, MD

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

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