Cheapest Car Insurance Quotes in Reisterstown

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Reisterstown Car Insurance

^$ 69

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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 Reisterstown

The car insurance rate in Reisterstown is $1637 for a six-month policy, which is $433 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1010, making it a popular choice for budget-conscious drivers. Rates in Reisterstown 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 Reisterstown

$1637

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Reisterstown

1st place: Kemper

At $1010 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1115 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1163 for six months, making it the third cheapest auto insurance company in Reisterstown.

Reisterstown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Reisterstown, MD is Kemper, offering policies at just $1010 for a six-month term. This is followed by USAA, which has an average six-month premium of $1115.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $3256 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Reisterstown drivers find the best deals.

Cheap Car Insurance Companies in Reisterstown, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1010	$171
USAA	$1115	$188
Travelers	$1163	$196
State Farm	$1284	$216
Erie	$1390	$234
Nationwide	$1398	$235
Progressive	$1656	$279
Allstate	$2464	$411
Maryland Auto	$3256	$554

Key Takeaways

Way's key takeaways about car insurance in Reisterstown

The auto insurance costs in Reisterstown fall around $1010 for six months.
The cheapest auto insurance company in Reisterstown is USAA.
Teen drivers pay the highest rate in Reisterstown at $1685 per month.

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Cheapest Minimum Liability Car Insurance in Reisterstown

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 Reisterstown are given below.

USAA provides the cheapest minimum car insurance coverage in Reisterstown. Their Average 6 Month Premium is $412. Allstate is the most expensive at $1292 for the same period.

Cheapest Liability Coverage in Reisterstown, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$412	$69
Travelers	$549	$92
Kemper	$574	$95
Erie	$607	$102
State Farm	$613	$103
Nationwide	$767	$129
Progressive	$792	$133
Maryland Auto	$1132	$192
Allstate	$1292	$215

Cheapest Full Coverage Car Insurance in Reisterstown

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 Reisterstown is Kemper at $171 per month and $1010 for six months.

Cheapest Full Coverage Car Insurance Quotes in Reisterstown, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1010	$171
USAA	$1115	$188
Travelers	$1163	$196
State Farm	$1284	$216
Erie	$1390	$234
Nationwide	$1398	$235
Progressive	$1656	$279
Allstate	$2464	$411
Maryland Auto	$3256	$554

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Average Car Insurance in Reisterstown 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 Reisterstown, MD increasing?

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

Car Insurance Premiums by Age in Reisterstown

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 Reisterstown,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Reisterstown at $101 per month. At $10114 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$607	$101
Erie	$1890	$318
Travelers	$2011	$339
USAA	$2060	$347
State Farm	$3070	$517
Progressive	$3611	$608
Maryland Auto	$5509	$918
Nationwide	$6026	$1015
Allstate	$10114	$1685

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 Reisterstown, USAA is the cheapest car insurance provider. At $1454 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 Reisterstown is Allstate, offering rates of around $3773 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1454	$242
Progressive	$1624	$273
Nationwide	$2116	$356
Travelers	$2731	$464
Maryland Auto	$3256	$543
Erie	$3434	$583
State Farm	$7457	$1243
Allstate	$3773	$642

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Car Insurance Rates with An Accident in Reisterstown

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

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

The cheapest car insurance companies after an at-fault accident in Reisterstown include Erie and USAA, offering $1155 and $1179, respectively. Allstate is an expensive provider with an average six-month premium of $4451.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1155	$194
USAA	$1179	$199
Travelers	$1244	$209
State Farm	$1398	$235
Progressive	$1665	$280
Nationwide	$2432	$409
Maryland Auto	$4257	$710
Allstate	$4451	$758

Reisterstown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Reisterstown MD. For example, the car insurance in Reisterstown after a DUI increases to $1534 for a six month policy. While the rate increases by $355 for a six-month policy in the case of a speeding ticket.

Reisterstown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1632	$272
One Med/PIP claim	$1688	$287
Not-at-fault accident	$1753	$292
One comp claim	$1761	$299
Two Med/PIP claims	$1794	$299
Failure to wear a seat belt	$1850	$314
Failure to show documents	$1899	$317
Child safety restraint	$1915	$325
Two comp claims	$1915	$320
Driving with expired registration	$1962	$333
Cell phone violation	$1987	$332
Driving too slowly	$1987	$337
Failure to stop at a red light	$1987	$332
Failure to yield	$1987	$337
Following too closely	$1987	$332
Illegal turn	$1987	$337
Improper passing	$1987	$332
Speeding 11 - 15 MPH over limit	$1987	$337
Speeding 16 - 20 MPH over limit	$1987	$332
Speeding 6 - 10 MPH over limit	$1987	$337
Texting while driving	$1987	$332
Wrong way/wrong lane	$1987	$337
Speeding in school zone	$2011	$336
At-fault accident - less than $1000	$2052	$350
Passing school bus	$2060	$343
Driving without lights	$2069	$352
Open container	$2077	$345
Operating a vehicle without permission	$2100	$358
Speeding 21 - 25 MPH over limit	$2173	$362
In 65 MPH zone	$2375	$404
At-fault accident - $1000-$2000	$2448	$408
At-fault accident - greater than $2000	$2448	$416
Reckless driving	$2795	$466
Racing	$3006	$511
Driving with a suspended license	$3053	$509
Refusal to submit to a chemical test	$3151	$536
DUI	$3166	$528
Leaving scene of an accident/hit and run	$3191	$543

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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 Reisterstown 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 Reisterstown.

The cheapest car insurance premiums in Reisterstown are offered by Erie at $970 for a six-month policy. However, it can be as expensive as $4790 with companies like Maryland Auto.

Reisterstown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$970	$163
Travelers	$1333	$224
Progressive	$1794	$302
USAA	$1962	$330
Allstate	$2577	$430
State Farm	$3070	$517
Nationwide	$4201	$707
Maryland Auto	$4790	$815

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 Reisterstown are offered by USAA at $994. However, it can be as expensive as $3297 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Reisterstown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$994	$169
State Farm	$1042	$175
Erie	$1187	$200
Progressive	$1446	$243
Travelers	$1923	$326
Nationwide	$3094	$515
Maryland Auto	$3256	$554
Allstate	$3297	$549

Car Insurance Price Trends in Reisterstown, Maryland

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

The average cost of full coverage in the Reisterstown rose by $306 in January compared to $290 of December. In other words, there has been an increase by $16 when you compare January and December.

The average cost of liability insurance in the Reisterstown rose to $106 in January, compared to $105 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 Reisterstown?

The car insurance in Reisterstown is $69 per month, which is lower than the national average.

What is the cheapest car insurance in Reisterstown?

The cheapest car insurance in Reisterstown is $171 per month for full coverage.

How much is car insurance in Reisterstown for teenagers?

Car insurance for teenagers costs $607 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 Reisterstown?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $275 per month to insure your car in Reisterstown.

Is car insurance expensive in Reisterstown?

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

Cheapest Car Insurance Quotes in Reisterstown

Why you can trust Way?

How Much Is Car Insurance in Reisterstown

Avg. Car Insurance in Reisterstown

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Reisterstown

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Reisterstown Car Insurance Rates by Company

Cheap Car Insurance Companies in Reisterstown, MD

Way's key takeaways about car insurance in Reisterstown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Reisterstown

Cheapest Liability Coverage in Reisterstown, MD

Cheapest Full Coverage Car Insurance in Reisterstown

Cheapest Full Coverage Car Insurance Quotes in Reisterstown, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Reisterstown by Rating Factor

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

Car Insurance Premiums by Age in Reisterstown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Reisterstown,MD

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

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 Reisterstown

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

Reisterstown Car Insurance Rates by Violation

Reisterstown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Reisterstown after a DUI

Reisterstown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Reisterstown after Speeding ticket

Car Insurance Price Trends in Reisterstown, Maryland

Average Car Insurance Cost in Reisterstown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Reisterstown, MD

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

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