Cheapest Car Insurance Quotes in Rock Point

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Rock Point Car Insurance

^$ 50

/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 Rock Point

The car insurance rate in Rock Point is $1006 for a six-month policy, which is $10 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $736, making it a popular choice for budget-conscious drivers. Rates in Rock Point 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 Rock Point

$1006

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Rock Point

1st place: Kemper

At $736 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $794 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 $812 for six months, making it the third cheapest auto insurance company in Rock Point.

Rock Point Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rock Point, MD is Kemper, offering policies at just $736 for a six-month term. This is followed by USAA, which has an average six-month premium of $794.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1882 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rock Point drivers find the best deals.

Cheap Car Insurance Companies in Rock Point, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$736	$125
USAA	$794	$134
State Farm	$812	$137
Travelers	$812	$137
Nationwide	$941	$158
Erie	$970	$163
Progressive	$1106	$186
Allstate	$1882	$317

Key Takeaways

Way's key takeaways about car insurance in Rock Point

The auto insurance costs in Rock Point fall around $736 for six months.
The cheapest auto insurance company in Rock Point is USAA.
Teen drivers pay the highest rate in Rock Point at $1322 per month.

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Cheapest Minimum Liability Car Insurance in Rock Point

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 Rock Point are given below.

USAA provides the cheapest minimum car insurance coverage in Rock Point. Their Average 6 Month Premium is $294. Allstate is the most expensive at $1030 for the same period.

Cheapest Liability Coverage in Rock Point, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$294	$50
Travelers	$406	$68
State Farm	$412	$69
Kemper	$418	$69
Erie	$436	$73
Progressive	$512	$86
Nationwide	$530	$89
Allstate	$1030	$173

Cheapest Full Coverage Car Insurance in Rock Point

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 Rock Point is Kemper at $125 per month and $736 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rock Point, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$736	$125
USAA	$794	$134
State Farm	$812	$137
Travelers	$812	$137
Nationwide	$941	$158
Erie	$970	$163
Progressive	$1106	$186
Allstate	$1882	$317

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Average Car Insurance in Rock Point 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 Rock Point, MD increasing?

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

Car Insurance Premiums by Age in Rock Point

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	$678
30s	Travelers	$578
40s	Travelers	$527
50s	Travelers	$498
60s	Travelers	$558
70s	USAA	$590

Cheapest Car Insurance Rates for Teen Drivers in Rock Point,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Rock Point at $75 per month. At $7851 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$442	$75
Erie	$1146	$193
Travelers	$1340	$226
USAA	$1435	$242
State Farm	$1946	$328
Progressive	$2476	$417
Nationwide	$3716	$626
Allstate	$7851	$1322

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 Rock Point.

As young drivers face the highest rates in Rock Point, Travelers offers the cheapest auto insurance rates at $678 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 Rock Point, USAA is the cheapest car insurance provider. At $930 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 Rock Point is State Farm, offering rates of around $3516 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$930	$154
Progressive	$958	$161
Nationwide	$1218	$205
Travelers	$1717	$292
Erie	$2017	$337
Allstate	$2746	$467
State Farm	$3516	$586

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Save up to $971/yr on car insurance rates in Rock Point.

Car Insurance Rates with An Accident in Rock Point

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

Cheapest Car Insurance Companies after an At-Fault Accident in Rock Point

The cheapest car insurance companies after an at-fault accident in Rock Point include Erie and USAA, offering $730 and $830, respectively. Encompass is an expensive provider with an average six-month premium of $652.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$730	$123
USAA	$830	$140
Travelers	$841	$142
State Farm	$906	$152
Progressive	$1100	$185
Nationwide	$1529	$257
Allstate	$3434	$578
Encompass	$652	$109

Rock Point Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rock Point MD. For example, the car insurance in Rock Point after a DUI increases to $1117 for a six month policy. While the rate increases by $258 for a six-month policy in the case of a speeding ticket.

Rock Point auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1188	$198
One Med/PIP claim	$1229	$209
Not-at-fault accident	$1276	$213
One comp claim	$1282	$218
Two Med/PIP claims	$1306	$218
Failure to wear a seat belt	$1346	$229
Failure to show documents	$1382	$231
Child safety restraint	$1394	$237
Two comp claims	$1394	$233
Driving with expired registration	$1429	$243
Cell phone violation	$1446	$242
Driving too slowly	$1446	$246
Failure to stop at a red light	$1446	$242
Failure to yield	$1446	$246
Following too closely	$1446	$242
Illegal turn	$1446	$246
Improper passing	$1446	$242
Speeding 11 - 15 MPH over limit	$1446	$246
Speeding 16 - 20 MPH over limit	$1446	$242
Speeding 6 - 10 MPH over limit	$1446	$246
Texting while driving	$1446	$242
Wrong way/wrong lane	$1446	$246
Speeding in school zone	$1464	$245
At-fault accident - less than $1000	$1494	$254
Passing school bus	$1500	$249
Driving without lights	$1506	$256
Open container	$1512	$251
Operating a vehicle without permission	$1529	$260
Speeding 21 - 25 MPH over limit	$1582	$263
In 65 MPH zone	$1729	$294
At-fault accident - $1000-$2000	$1782	$297
At-fault accident - greater than $2000	$1782	$303
Reckless driving	$2034	$340
Racing	$2188	$372
Driving with a suspended license	$2223	$370
Refusal to submit to a chemical test	$2294	$390
DUI	$2305	$384
Leaving scene of an accident/hit and run	$2323	$395

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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 Rock Point 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 Rock Point.

The cheapest car insurance premiums in Rock Point are offered by Erie at $624 for a six-month policy. However, it can be as expensive as $2564 with companies like Nationwide.

Rock Point car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$624	$105
Travelers	$912	$153
Progressive	$1188	$200
USAA	$1370	$231
State Farm	$1782	$300
Allstate	$1964	$331
Nationwide	$2564	$432

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 Rock Point are offered by State Farm at $558. However, it can be as expensive as $2400 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Rock Point after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$558	$94
USAA	$636	$108
Erie	$741	$125
Progressive	$858	$145
Travelers	$1176	$196
Nationwide	$1670	$284
Allstate	$2400	$400

Car Insurance Price Trends in Rock Point, Maryland

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

The average cost of full coverage in the Rock Point rose by $211 in December compared to $210 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 Rock Point remained steady at $76 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 Rock Point?

The car insurance in Rock Point is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Rock Point?

The cheapest car insurance in Rock Point is $125 per month for full coverage.

How much is car insurance in Rock Point for teenagers?

Car insurance for teenagers costs $442 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 Rock Point?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $169 per month to insure your car in Rock Point.

Is car insurance expensive in Rock Point?

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

Cheapest Car Insurance Quotes in Rock Point

Why you can trust Way?

How Much Is Car Insurance in Rock Point

Avg. Car Insurance in Rock Point

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Rock Point

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Rock Point Car Insurance Rates by Company

Cheap Car Insurance Companies in Rock Point, MD

Way's key takeaways about car insurance in Rock Point

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rock Point

Cheapest Liability Coverage in Rock Point, MD

Cheapest Full Coverage Car Insurance in Rock Point

Cheapest Full Coverage Car Insurance Quotes in Rock Point, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rock Point by Rating Factor

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

Car Insurance Premiums by Age in Rock Point

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rock Point,MD

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

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 Rock Point

Cheapest Car Insurance Companies after an At-Fault Accident in Rock Point

Rock Point Car Insurance Rates by Violation

Rock Point auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rock Point after a DUI

Rock Point car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rock Point after Speeding ticket

Car Insurance Price Trends in Rock Point, Maryland

Average Car Insurance Cost in Rock Point by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rock Point, MD

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

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