We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Royal Oak 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 Royal Oak
The car insurance rate in Royal Oak is $833 for a six-month policy, which is $183 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $609, making it a popular choice for budget-conscious drivers. Rates in Royal Oak 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 $609 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $658 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 $672
for six months, making it
the third cheapest auto insurance company in Royal Oak.
Royal Oak Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Royal Oak, MD is Kemper, offering policies at just $609 for a six-month term. This is followed by USAA, which has an average six-month premium of $658.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1559 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Royal Oak drivers find the best deals.
Way's key takeaways about car insurance in Royal Oak
The auto insurance costs in Royal Oak fall around $609 for six
months.
The cheapest auto insurance company in Royal Oak is USAA.
Teen drivers pay the highest rate in Royal Oak at $1095 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 Royal Oak
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 Royal Oak are given below.
USAA provides
the cheapest minimum car insurance
coverage in Royal Oak. Their Average 6 Month Premium is $244.
Allstate is the most
expensive at $853 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 Royal Oak is Kemper
at $103 per month and $609
for six months.
Cheapest Full Coverage Car Insurance Quotes in Royal Oak,
MD
Get Your Car Insurance Quote in Royal Oak
Instantly!
Average Car Insurance in Royal Oak 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 Royal Oak, MD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Royal Oak, 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, Royal Oak's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Royal Oak
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
$562
30s
Travelers
$479
40s
Travelers
$436
50s
Travelers
$412
60s
Travelers
$462
70s
USAA
$489
Cheapest Car Insurance Rates for Teen Drivers in
Royal Oak,MD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Royal Oak at $62
per
month. At $6503 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 Royal Oak.
As young drivers face the highest rates in Royal Oak, Travelers
offers the cheapest auto insurance rates at $562 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 Royal Oak,
USAA is
the cheapest car insurance provider. At $770 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
Royal Oak is State Farm, offering
rates of around $2913 for six
months.
Save up to $971/yr on car insurance rates in Royal Oak.
Car Insurance Rates with An Accident in Royal Oak
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 Royal Oak, MD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Royal Oak
The cheapest car insurance companies after an at-fault accident in
Royal Oak include Erie
and USAA, offering $604
and $687,
respectively. Encompass is an expensive provider
with an average six-month premium of
$540.
Here is a list of driving violations that can increase your car
insurance rates in Royal Oak MD. For example, the car
insurance in Royal Oak
after a DUI increases to $925 for a six
month policy. While the rate increases by $214 for a six-month policy in the case of
a speeding ticket.
Royal Oak auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$984
$164
One Med/PIP claim
$1018
$173
Not-at-fault accident
$1057
$176
One comp claim
$1062
$180
Two Med/PIP claims
$1082
$180
Failure to wear a seat belt
$1115
$189
Failure to show documents
$1145
$191
Child safety restraint
$1155
$196
Two comp claims
$1155
$193
Driving with expired registration
$1183
$201
Cell phone violation
$1198
$200
Driving too slowly
$1198
$203
Failure to stop at a red light
$1198
$200
Failure to yield
$1198
$203
Following too closely
$1198
$200
Illegal turn
$1198
$203
Improper passing
$1198
$200
Speeding 11 - 15 MPH over limit
$1198
$203
Speeding 16 - 20 MPH over limit
$1198
$200
Speeding 6 - 10 MPH over limit
$1198
$203
Texting while driving
$1198
$200
Wrong way/wrong lane
$1198
$203
Speeding in school zone
$1213
$203
At-fault accident - less than $1000
$1237
$211
Passing school bus
$1242
$207
Driving without lights
$1247
$212
Open container
$1252
$208
Operating a vehicle without permission
$1266
$216
Speeding 21 - 25 MPH over limit
$1310
$218
In 65 MPH zone
$1432
$244
At-fault accident - $1000-$2000
$1476
$246
At-fault accident - greater than $2000
$1476
$251
Reckless driving
$1685
$281
Racing
$1812
$308
Driving with a suspended license
$1841
$307
Refusal to submit to a chemical test
$1900
$323
DUI
$1909
$318
Leaving scene of an accident/hit and run
$1924
$327
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Royal Oak 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 Royal Oak.
The cheapest car insurance premiums in
Royal Oak are
offered by Erie at $517 for a six-month policy.
However, it can be as
expensive as $2124 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 Royal Oak are offered by State Farm
at $462. However,
it can be as expensive as $1988
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Royal Oak after Speeding ticket
Car insurance rates in Royal Oak have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Royal Oak rose by
$175 in December
compared to $174 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 Royal Oak remained steady at $63 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Royal Oak 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
Royal Oak. At $1666 for a
six-month policy, insuring
your car at 21662 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Royal Oak?
The car insurance in Royal Oak is $41 per month, which is lower than the national average.
What is the cheapest car insurance in Royal Oak?
The cheapest car insurance in Royal Oak
is $103 per month
for full coverage.
How much is car insurance in Royal Oak for teenagers?
Car insurance for teenagers costs $366 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
Royal Oak?
The average cost of car insurance is $1016 for a six-month
policy. It will cost around $140 per month to insure your
car in Royal Oak.
Is car insurance expensive in Royal Oak?
Car insurance can be expensive in Royal Oak if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Royal Oak can be
affordable.
What is the best car insurance in Royal Oak,
MD?
The best car insurance company in Royal Oak
MD is
Kemper, offering $609 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Royal Oak right now.
Find Car Insurance Rates in Cities Near Royal Oak, MD
Car Insurance Rates by State in the USA (2025 Update)
Royal Oak Car Insurance
