Cheapest Car Insurance Quotes in Rosedale

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Rosedale 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 Rosedale

The car insurance rate in Rosedale is $1758 for a six-month policy, which is $554 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1085, making it a popular choice for budget-conscious drivers. Rates in Rosedale 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 Rosedale

$1758

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Rosedale

1st place: Kemper

At $1085 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1197 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1248 for six months, making it the third cheapest auto insurance company in Rosedale.

Rosedale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rosedale, MD is Kemper, offering policies at just $1085 for a six-month term. This is followed by USAA, which has an average six-month premium of $1197.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $3495 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rosedale drivers find the best deals.

Cheap Car Insurance Companies in Rosedale, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1085	$184
USAA	$1197	$201
Travelers	$1248	$210
State Farm	$1378	$232
Erie	$1492	$251
Nationwide	$1501	$253
Progressive	$1778	$299
Allstate	$2646	$441
Maryland Auto	$3495	$594

Key Takeaways

Way's key takeaways about car insurance in Rosedale

The auto insurance costs in Rosedale fall around $1085 for six months.
The cheapest auto insurance company in Rosedale is USAA.
Teen drivers pay the highest rate in Rosedale at $1809 per month.

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Cheapest Minimum Liability Car Insurance in Rosedale

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 Rosedale are given below.

USAA provides the cheapest minimum car insurance coverage in Rosedale. Their Average 6 Month Premium is $442. Allstate is the most expensive at $1387 for the same period.

Cheapest Liability Coverage in Rosedale, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$442	$74
Travelers	$590	$99
Kemper	$616	$102
Erie	$651	$110
State Farm	$658	$111
Nationwide	$823	$139
Progressive	$850	$143
Maryland Auto	$1215	$206
Allstate	$1387	$231

Cheapest Full Coverage Car Insurance in Rosedale

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 Rosedale is Kemper at $184 per month and $1085 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rosedale, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1085	$184
USAA	$1197	$201
Travelers	$1248	$210
State Farm	$1378	$232
Erie	$1492	$251
Nationwide	$1501	$253
Progressive	$1778	$299
Allstate	$2646	$441
Maryland Auto	$3495	$594

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Average Car Insurance in Rosedale 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 Rosedale, MD increasing?

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

Car Insurance Premiums by Age in Rosedale

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 Rosedale,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Rosedale at $108 per month. At $10858 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$651	$108
Erie	$2029	$342
Travelers	$2159	$364
USAA	$2212	$372
State Farm	$3295	$555
Progressive	$3876	$653
Maryland Auto	$5914	$986
Nationwide	$6469	$1089
Allstate	$10858	$1809

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 Rosedale, USAA is the cheapest car insurance provider. At $1561 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 Rosedale is Allstate, offering rates of around $4050 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1561	$260
Progressive	$1743	$293
Nationwide	$2272	$383
Travelers	$2932	$498
Maryland Auto	$3495	$583
Erie	$3687	$626
State Farm	$8005	$1334
Allstate	$4050	$689

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Car Insurance Rates with An Accident in Rosedale

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

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

The cheapest car insurance companies after an at-fault accident in Rosedale include Erie and USAA, offering $1240 and $1266, respectively. Allstate is an expensive provider with an average six-month premium of $4779.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1240	$209
USAA	$1266	$213
Travelers	$1336	$225
State Farm	$1501	$253
Progressive	$1787	$301
Nationwide	$2610	$439
Maryland Auto	$4570	$762
Allstate	$4779	$813

Rosedale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rosedale MD. For example, the car insurance in Rosedale after a DUI increases to $1647 for a six month policy. While the rate increases by $381 for a six-month policy in the case of a speeding ticket.

Rosedale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1752	$292
One Med/PIP claim	$1812	$308
Not-at-fault accident	$1882	$314
One comp claim	$1891	$321
Two Med/PIP claims	$1926	$321
Failure to wear a seat belt	$1986	$337
Failure to show documents	$2038	$340
Child safety restraint	$2056	$349
Two comp claims	$2056	$343
Driving with expired registration	$2107	$358
Cell phone violation	$2133	$356
Driving too slowly	$2133	$362
Failure to stop at a red light	$2133	$356
Failure to yield	$2133	$362
Following too closely	$2133	$356
Illegal turn	$2133	$362
Improper passing	$2133	$356
Speeding 11 - 15 MPH over limit	$2133	$362
Speeding 16 - 20 MPH over limit	$2133	$356
Speeding 6 - 10 MPH over limit	$2133	$362
Texting while driving	$2133	$356
Wrong way/wrong lane	$2133	$362
Speeding in school zone	$2159	$361
At-fault accident - less than $1000	$2203	$375
Passing school bus	$2212	$368
Driving without lights	$2221	$378
Open container	$2229	$371
Operating a vehicle without permission	$2254	$384
Speeding 21 - 25 MPH over limit	$2333	$388
In 65 MPH zone	$2549	$434
At-fault accident - $1000-$2000	$2628	$438
At-fault accident - greater than $2000	$2628	$447
Reckless driving	$3000	$501
Racing	$3227	$549
Driving with a suspended license	$3278	$546
Refusal to submit to a chemical test	$3383	$575
DUI	$3399	$566
Leaving scene of an accident/hit and run	$3425	$583

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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 Rosedale 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 Rosedale.

The cheapest car insurance premiums in Rosedale are offered by Erie at $1041 for a six-month policy. However, it can be as expensive as $5142 with companies like Maryland Auto.

Rosedale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1041	$175
Travelers	$1431	$241
Progressive	$1926	$324
USAA	$2107	$355
Allstate	$2767	$461
State Farm	$3295	$555
Nationwide	$4510	$759
Maryland Auto	$5142	$875

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 Rosedale are offered by USAA at $1067. However, it can be as expensive as $3539 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Rosedale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1067	$181
State Farm	$1118	$188
Erie	$1275	$215
Progressive	$1552	$261
Travelers	$2064	$350
Nationwide	$3322	$553
Maryland Auto	$3495	$594
Allstate	$3539	$590

Car Insurance Price Trends in Rosedale, Maryland

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

The average cost of full coverage in the Rosedale rose by $329 in January compared to $311 of December. In other words, there has been an increase by $18 when you compare January and December.

The average cost of liability insurance in the Rosedale rose to $114 in January, compared to $112 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Rosedale?

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

What is the cheapest car insurance in Rosedale?

The cheapest car insurance in Rosedale is $184 per month for full coverage.

How much is car insurance in Rosedale for teenagers?

Car insurance for teenagers costs $651 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 Rosedale?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $295 per month to insure your car in Rosedale.

Is car insurance expensive in Rosedale?

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

Cheapest Car Insurance Quotes in Rosedale

Why you can trust Way?

How Much Is Car Insurance in Rosedale

Avg. Car Insurance in Rosedale

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Rosedale

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Rosedale Car Insurance Rates by Company

Cheap Car Insurance Companies in Rosedale, MD

Way's key takeaways about car insurance in Rosedale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rosedale

Cheapest Liability Coverage in Rosedale, MD

Cheapest Full Coverage Car Insurance in Rosedale

Cheapest Full Coverage Car Insurance Quotes in Rosedale, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rosedale by Rating Factor

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

Car Insurance Premiums by Age in Rosedale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rosedale,MD

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

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 Rosedale

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

Rosedale Car Insurance Rates by Violation

Rosedale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rosedale after a DUI

Rosedale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rosedale after Speeding ticket

Car Insurance Price Trends in Rosedale, Maryland

Average Car Insurance Cost in Rosedale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rosedale, MD

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

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