Cheapest Car Insurance Quotes in Seabrook

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Seabrook Car Insurance

^$ 64

/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 Seabrook

The car insurance rate in Seabrook is $1505 for a six-month policy, which is $301 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $929, making it a popular choice for budget-conscious drivers. Rates in Seabrook 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 Seabrook

$1505

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Seabrook

1st place: Kemper

At $929 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1025 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1069 for six months, making it the third cheapest auto insurance company in Seabrook.

Seabrook Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Seabrook, MD is Kemper, offering policies at just $929 for a six-month term. This is followed by USAA, which has an average six-month premium of $1025.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2993 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Seabrook drivers find the best deals.

Cheap Car Insurance Companies in Seabrook, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$929	$158
USAA	$1025	$173
Travelers	$1069	$180
State Farm	$1180	$199
Erie	$1278	$215
Nationwide	$1285	$216
Progressive	$1523	$256
Allstate	$2265	$378
Maryland Auto	$2993	$509

Key Takeaways

Way's key takeaways about car insurance in Seabrook

The auto insurance costs in Seabrook fall around $929 for six months.
The cheapest auto insurance company in Seabrook is USAA.
Teen drivers pay the highest rate in Seabrook at $1549 per month.

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Cheapest Minimum Liability Car Insurance in Seabrook

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 Seabrook are given below.

USAA provides the cheapest minimum car insurance coverage in Seabrook. Their Average 6 Month Premium is $379. Allstate is the most expensive at $1188 for the same period.

Cheapest Liability Coverage in Seabrook, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$379	$64
Travelers	$505	$85
Kemper	$528	$88
Erie	$558	$94
State Farm	$564	$95
Nationwide	$705	$119
Progressive	$728	$123
Maryland Auto	$1040	$176
Allstate	$1188	$198

Cheapest Full Coverage Car Insurance in Seabrook

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 Seabrook is Kemper at $158 per month and $929 for six months.

Cheapest Full Coverage Car Insurance Quotes in Seabrook, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$929	$158
USAA	$1025	$173
Travelers	$1069	$180
State Farm	$1180	$199
Erie	$1278	$215
Nationwide	$1285	$216
Progressive	$1523	$256
Allstate	$2265	$378
Maryland Auto	$2993	$509

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Average Car Insurance in Seabrook 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 Seabrook, MD increasing?

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

Car Insurance Premiums by Age in Seabrook

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 Seabrook,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Seabrook at $93 per month. At $9296 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$558	$93
Erie	$1738	$293
Travelers	$1849	$311
USAA	$1894	$319
State Farm	$2821	$475
Progressive	$3319	$559
Maryland Auto	$5064	$844
Nationwide	$5539	$933
Allstate	$9296	$1549

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 Seabrook, USAA is the cheapest car insurance provider. At $1336 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 Seabrook is Allstate, offering rates of around $3468 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1336	$223
Progressive	$1493	$251
Nationwide	$1945	$328
Travelers	$2510	$426
Maryland Auto	$2993	$499
Erie	$3156	$536
State Farm	$6854	$1143
Allstate	$3468	$590

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Car Insurance Rates with An Accident in Seabrook

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

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

The cheapest car insurance companies after an at-fault accident in Seabrook include Erie and USAA, offering $1061 and $1084, respectively. Allstate is an expensive provider with an average six-month premium of $4091.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1061	$179
USAA	$1084	$183
Travelers	$1144	$193
State Farm	$1285	$216
Progressive	$1530	$258
Nationwide	$2235	$376
Maryland Auto	$3913	$653
Allstate	$4091	$696

Seabrook Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Seabrook MD. For example, the car insurance in Seabrook after a DUI increases to $1410 for a six month policy. While the rate increases by $326 for a six-month policy in the case of a speeding ticket.

Seabrook auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1500	$250
One Med/PIP claim	$1551	$264
Not-at-fault accident	$1611	$269
One comp claim	$1619	$275
Two Med/PIP claims	$1649	$275
Failure to wear a seat belt	$1700	$289
Failure to show documents	$1745	$291
Child safety restraint	$1760	$299
Two comp claims	$1760	$294
Driving with expired registration	$1804	$306
Cell phone violation	$1826	$305
Driving too slowly	$1826	$310
Failure to stop at a red light	$1826	$305
Failure to yield	$1826	$310
Following too closely	$1826	$305
Illegal turn	$1826	$310
Improper passing	$1826	$305
Speeding 11 - 15 MPH over limit	$1826	$310
Speeding 16 - 20 MPH over limit	$1826	$305
Speeding 6 - 10 MPH over limit	$1826	$310
Texting while driving	$1826	$305
Wrong way/wrong lane	$1826	$310
Speeding in school zone	$1849	$309
At-fault accident - less than $1000	$1886	$321
Passing school bus	$1894	$315
Driving without lights	$1901	$324
Open container	$1909	$318
Operating a vehicle without permission	$1930	$329
Speeding 21 - 25 MPH over limit	$1998	$333
In 65 MPH zone	$2183	$371
At-fault accident - $1000-$2000	$2250	$375
At-fault accident - greater than $2000	$2250	$383
Reckless driving	$2569	$429
Racing	$2763	$470
Driving with a suspended license	$2806	$468
Refusal to submit to a chemical test	$2896	$493
DUI	$2910	$485
Leaving scene of an accident/hit and run	$2933	$499

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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 Seabrook 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 Seabrook.

The cheapest car insurance premiums in Seabrook are offered by Erie at $891 for a six-month policy. However, it can be as expensive as $4403 with companies like Maryland Auto.

Seabrook car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$891	$150
Travelers	$1225	$206
Progressive	$1649	$278
USAA	$1804	$304
Allstate	$2369	$395
State Farm	$2821	$475
Nationwide	$3861	$650
Maryland Auto	$4403	$749

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 Seabrook are offered by USAA at $914. However, it can be as expensive as $3030 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Seabrook after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$914	$155
State Farm	$958	$161
Erie	$1091	$184
Progressive	$1329	$224
Travelers	$1768	$300
Nationwide	$2844	$474
Maryland Auto	$2993	$509
Allstate	$3030	$505

Car Insurance Price Trends in Seabrook, Maryland

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

The average cost of full coverage in the Seabrook rose by $281 in January compared to $266 of December. In other words, there has been an increase by $15 when you compare January and December.

The average cost of liability insurance in the Seabrook rose to $98 in January, compared to $96 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 Seabrook?

The car insurance in Seabrook is $64 per month, which is lower than the national average.

What is the cheapest car insurance in Seabrook?

The cheapest car insurance in Seabrook is $158 per month for full coverage.

How much is car insurance in Seabrook for teenagers?

Car insurance for teenagers costs $558 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 Seabrook?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $253 per month to insure your car in Seabrook.

Is car insurance expensive in Seabrook?

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

Cheapest Car Insurance Quotes in Seabrook

Why you can trust Way?

How Much Is Car Insurance in Seabrook

Avg. Car Insurance in Seabrook

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Seabrook

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Seabrook Car Insurance Rates by Company

Cheap Car Insurance Companies in Seabrook, MD

Way's key takeaways about car insurance in Seabrook

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Seabrook

Cheapest Liability Coverage in Seabrook, MD

Cheapest Full Coverage Car Insurance in Seabrook

Cheapest Full Coverage Car Insurance Quotes in Seabrook, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Seabrook by Rating Factor

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

Car Insurance Premiums by Age in Seabrook

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Seabrook,MD

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

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 Seabrook

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

Seabrook Car Insurance Rates by Violation

Seabrook auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Seabrook after a DUI

Seabrook car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Seabrook after Speeding ticket

Car Insurance Price Trends in Seabrook, Maryland

Average Car Insurance Cost in Seabrook by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Seabrook, MD

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

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