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Finding the cheapest car insurance quotes in Riverdale shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Riverdale
The car insurance rate in Riverdale is $1341 for a six-month policy, which is $325 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $981, making it a popular choice for budget-conscious drivers. Rates in Riverdale 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.
At $981 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1059 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 $1082
for six months, making it
the third cheapest auto insurance company in Riverdale.
Riverdale Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Riverdale, MD is Kemper, offering policies at just $981 for a six-month term. This is followed by USAA, which has an average six-month premium of $1059.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2509 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Riverdale drivers find the best deals.
Way's key takeaways about car insurance in Riverdale
The auto insurance costs in Riverdale fall around $981 for six
months.
The cheapest auto insurance company in Riverdale is USAA.
Teen drivers pay the highest rate in Riverdale at $1762 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Riverdale
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 Riverdale are given below.
USAA provides
the cheapest minimum car insurance
coverage in Riverdale. Their Average 6 Month Premium is $392.
Allstate is the most
expensive at $1373 for the same
period.
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 Riverdale is Kemper
at $166 per month and $981
for six months.
Cheapest Full Coverage Car Insurance Quotes in Riverdale,
MD
Get Your Car Insurance Quote in Riverdale
Instantly!
Average Car Insurance in Riverdale 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 Riverdale, MD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Riverdale, 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, Riverdale's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Riverdale
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
$904
30s
Travelers
$771
40s
Travelers
$702
50s
Travelers
$664
60s
Travelers
$744
70s
USAA
$787
Cheapest Car Insurance Rates for Teen Drivers in
Riverdale,MD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Riverdale at $100
per
month. At $10468 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Riverdale.
As young drivers face the highest rates in Riverdale, Travelers
offers the cheapest auto insurance rates at $904 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 Riverdale,
USAA is
the cheapest car insurance provider. At $1239 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
Riverdale is State Farm, offering
rates of around $4689 for six
months.
Save up to $971/yr on car insurance rates in Riverdale.
Car Insurance Rates with An Accident in Riverdale
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 Riverdale, MD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Riverdale
The cheapest car insurance companies after an at-fault accident in
Riverdale include Erie
and USAA, offering $973
and $1106,
respectively. Encompass is an expensive provider
with an average six-month premium of
$870.
Here is a list of driving violations that can increase your car
insurance rates in Riverdale MD. For example, the car
insurance in Riverdale
after a DUI increases to $1489 for a six
month policy. While the rate increases by $345 for a six-month policy in the case of
a speeding ticket.
Riverdale auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1584
$264
One Med/PIP claim
$1638
$279
Not-at-fault accident
$1701
$284
One comp claim
$1709
$290
Two Med/PIP claims
$1741
$290
Failure to wear a seat belt
$1795
$305
Failure to show documents
$1843
$308
Child safety restraint
$1859
$315
Two comp claims
$1859
$310
Driving with expired registration
$1905
$323
Cell phone violation
$1929
$322
Driving too slowly
$1929
$327
Failure to stop at a red light
$1929
$322
Failure to yield
$1929
$327
Following too closely
$1929
$322
Illegal turn
$1929
$327
Improper passing
$1929
$322
Speeding 11 - 15 MPH over limit
$1929
$327
Speeding 16 - 20 MPH over limit
$1929
$322
Speeding 6 - 10 MPH over limit
$1929
$327
Texting while driving
$1929
$322
Wrong way/wrong lane
$1929
$327
Speeding in school zone
$1952
$326
At-fault accident - less than $1000
$1992
$339
Passing school bus
$2000
$333
Driving without lights
$2008
$342
Open container
$2016
$335
Operating a vehicle without permission
$2038
$347
Speeding 21 - 25 MPH over limit
$2109
$351
In 65 MPH zone
$2305
$392
At-fault accident - $1000-$2000
$2376
$396
At-fault accident - greater than $2000
$2376
$404
Reckless driving
$2713
$453
Racing
$2917
$496
Driving with a suspended license
$2963
$494
Refusal to submit to a chemical test
$3058
$520
DUI
$3073
$512
Leaving scene of an accident/hit and run
$3097
$527
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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 Riverdale 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 Riverdale.
The cheapest car insurance premiums in
Riverdale are
offered by Erie at $832 for a six-month policy.
However, it can be as
expensive as $3419 with companies
like Nationwide.
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 Riverdale are offered by State Farm
at $744. However,
it can be as expensive as $3200
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Riverdale after Speeding ticket
Car insurance rates in Riverdale have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Riverdale rose by
$281 in December
compared to $280 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 Riverdale remained steady at $102 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Riverdale by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Riverdale. At $2682 for a
six-month policy, insuring
your car at 20737 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Riverdale?
The car insurance in Riverdale is $66 per month, which is lower than the national average.
What is the cheapest car insurance in Riverdale?
The cheapest car insurance in Riverdale
is $166 per month
for full coverage.
How much is car insurance in Riverdale for teenagers?
Car insurance for teenagers costs $589 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
Riverdale?
The average cost of car insurance is $1016 for a six-month
policy. It will cost around $226 per month to insure your
car in Riverdale.
Is car insurance expensive in Riverdale?
Car insurance can be expensive in Riverdale if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Riverdale can be
affordable.
What is the best car insurance in Riverdale,
MD?
The best car insurance company in Riverdale
MD is
Kemper, offering $981 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Riverdale, MD
Car Insurance Rates by State in the USA (2025 Update)
Riverdale Car Insurance
