Cheapest Car Insurance Quotes in Seat Pleasant

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Seat Pleasant Car Insurance

^$ 71

/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 Seat Pleasant

The car insurance rate in Seat Pleasant is $1674 for a six-month policy, which is $470 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1033, making it a popular choice for budget-conscious drivers. Rates in Seat Pleasant 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 Seat Pleasant

$1674

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Seat Pleasant

1st place: Kemper

At $1033 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1140 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1188 for six months, making it the third cheapest auto insurance company in Seat Pleasant.

Seat Pleasant Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Seat Pleasant, MD is Kemper, offering policies at just $1033 for a six-month term. This is followed by USAA, which has an average six-month premium of $1140.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $3328 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Seat Pleasant drivers find the best deals.

Cheap Car Insurance Companies in Seat Pleasant, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1033	$175
USAA	$1140	$192
Travelers	$1188	$200
State Farm	$1312	$221
Erie	$1421	$239
Nationwide	$1429	$240
Progressive	$1693	$285
Allstate	$2519	$420
Maryland Auto	$3328	$566

Key Takeaways

Way's key takeaways about car insurance in Seat Pleasant

The auto insurance costs in Seat Pleasant fall around $1033 for six months.
The cheapest auto insurance company in Seat Pleasant is USAA.
Teen drivers pay the highest rate in Seat Pleasant at $1722 per month.

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Cheapest Minimum Liability Car Insurance in Seat Pleasant

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 Seat Pleasant are given below.

USAA provides the cheapest minimum car insurance coverage in Seat Pleasant. Their Average 6 Month Premium is $421. Allstate is the most expensive at $1321 for the same period.

Cheapest Liability Coverage in Seat Pleasant, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$421	$71
Travelers	$562	$95
Kemper	$587	$97
Erie	$620	$104
State Farm	$627	$106
Nationwide	$784	$132
Progressive	$809	$136
Maryland Auto	$1156	$196
Allstate	$1321	$220

Cheapest Full Coverage Car Insurance in Seat Pleasant

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 Seat Pleasant is Kemper at $175 per month and $1033 for six months.

Cheapest Full Coverage Car Insurance Quotes in Seat Pleasant, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1033	$175
USAA	$1140	$192
Travelers	$1188	$200
State Farm	$1312	$221
Erie	$1421	$239
Nationwide	$1429	$240
Progressive	$1693	$285
Allstate	$2519	$420
Maryland Auto	$3328	$566

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Average Car Insurance in Seat Pleasant 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 Seat Pleasant, MD increasing?

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

Car Insurance Premiums by Age in Seat Pleasant

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 Seat Pleasant,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Seat Pleasant at $103 per month. At $10337 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$620	$103
Erie	$1932	$325
Travelers	$2056	$346
USAA	$2106	$354
State Farm	$3137	$528
Progressive	$3690	$621
Maryland Auto	$5631	$938
Nationwide	$6159	$1037
Allstate	$10337	$1722

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 Seat Pleasant, USAA is the cheapest car insurance provider. At $1486 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 Seat Pleasant is Allstate, offering rates of around $3856 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1486	$247
Progressive	$1660	$279
Nationwide	$2163	$364
Travelers	$2791	$474
Maryland Auto	$3328	$555
Erie	$3510	$596
State Farm	$7621	$1270
Allstate	$3856	$656

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Car Insurance Rates with An Accident in Seat Pleasant

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

Cheapest Car Insurance Companies after an At-Fault Accident in Seat Pleasant

The cheapest car insurance companies after an at-fault accident in Seat Pleasant include Erie and USAA, offering $1180 and $1205, respectively. Allstate is an expensive provider with an average six-month premium of $4549.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1180	$199
USAA	$1205	$203
Travelers	$1272	$214
State Farm	$1429	$240
Progressive	$1701	$286
Nationwide	$2485	$418
Maryland Auto	$4351	$726
Allstate	$4549	$774

Seat Pleasant Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Seat Pleasant MD. For example, the car insurance in Seat Pleasant after a DUI increases to $1568 for a six month policy. While the rate increases by $363 for a six-month policy in the case of a speeding ticket.

Seat Pleasant auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1668	$278
One Med/PIP claim	$1725	$293
Not-at-fault accident	$1792	$299
One comp claim	$1800	$306
Two Med/PIP claims	$1833	$306
Failure to wear a seat belt	$1890	$321
Failure to show documents	$1940	$324
Child safety restraint	$1957	$332
Two comp claims	$1957	$327
Driving with expired registration	$2006	$341
Cell phone violation	$2031	$339
Driving too slowly	$2031	$345
Failure to stop at a red light	$2031	$339
Failure to yield	$2031	$345
Following too closely	$2031	$339
Illegal turn	$2031	$345
Improper passing	$2031	$339
Speeding 11 - 15 MPH over limit	$2031	$345
Speeding 16 - 20 MPH over limit	$2031	$339
Speeding 6 - 10 MPH over limit	$2031	$345
Texting while driving	$2031	$339
Wrong way/wrong lane	$2031	$345
Speeding in school zone	$2056	$343
At-fault accident - less than $1000	$2098	$357
Passing school bus	$2106	$350
Driving without lights	$2114	$360
Open container	$2123	$353
Operating a vehicle without permission	$2146	$366
Speeding 21 - 25 MPH over limit	$2221	$370
In 65 MPH zone	$2427	$413
At-fault accident - $1000-$2000	$2502	$417
At-fault accident - greater than $2000	$2502	$425
Reckless driving	$2856	$477
Racing	$3072	$523
Driving with a suspended license	$3121	$520
Refusal to submit to a chemical test	$3221	$548
DUI	$3236	$539
Leaving scene of an accident/hit and run	$3261	$555

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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 Seat Pleasant 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 Seat Pleasant.

The cheapest car insurance premiums in Seat Pleasant are offered by Erie at $991 for a six-month policy. However, it can be as expensive as $4896 with companies like Maryland Auto.

Seat Pleasant car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$991	$167
Travelers	$1362	$229
Progressive	$1833	$309
USAA	$2006	$338
Allstate	$2634	$439
State Farm	$3137	$528
Nationwide	$4294	$723
Maryland Auto	$4896	$833

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 Seat Pleasant are offered by USAA at $1016. However, it can be as expensive as $3369 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Seat Pleasant after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1016	$172
State Farm	$1065	$179
Erie	$1213	$204
Progressive	$1478	$249
Travelers	$1965	$334
Nationwide	$3162	$527
Maryland Auto	$3328	$566
Allstate	$3369	$562

Car Insurance Price Trends in Seat Pleasant, Maryland

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

The average cost of full coverage in the Seat Pleasant rose by $313 in January compared to $296 of December. In other words, there has been an increase by $17 when you compare January and December.

The average cost of liability insurance in the Seat Pleasant rose to $108 in January, compared to $107 in December. This represents an increase of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Seat Pleasant?

The car insurance in Seat Pleasant is $71 per month, which is lower than the national average.

What is the cheapest car insurance in Seat Pleasant?

The cheapest car insurance in Seat Pleasant is $175 per month for full coverage.

How much is car insurance in Seat Pleasant for teenagers?

Car insurance for teenagers costs $620 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 Seat Pleasant?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $281 per month to insure your car in Seat Pleasant.

Is car insurance expensive in Seat Pleasant?

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

Cheapest Car Insurance Quotes in Seat Pleasant

Why you can trust Way?

How Much Is Car Insurance in Seat Pleasant

Avg. Car Insurance in Seat Pleasant

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Seat Pleasant

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Seat Pleasant Car Insurance Rates by Company

Cheap Car Insurance Companies in Seat Pleasant, MD

Way's key takeaways about car insurance in Seat Pleasant

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Seat Pleasant

Cheapest Liability Coverage in Seat Pleasant, MD

Cheapest Full Coverage Car Insurance in Seat Pleasant

Cheapest Full Coverage Car Insurance Quotes in Seat Pleasant, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Seat Pleasant by Rating Factor

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

Car Insurance Premiums by Age in Seat Pleasant

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Seat Pleasant,MD

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

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 Seat Pleasant

Cheapest Car Insurance Companies after an At-Fault Accident in Seat Pleasant

Seat Pleasant Car Insurance Rates by Violation

Seat Pleasant auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Seat Pleasant after a DUI

Seat Pleasant car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Seat Pleasant after Speeding ticket

Car Insurance Price Trends in Seat Pleasant, Maryland

Average Car Insurance Cost in Seat Pleasant by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Seat Pleasant, MD

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

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