Cheapest Car Insurance Quotes in Severna Park

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Severna Park 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 Severna Park

The car insurance rate in Severna Park is $1016 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $743, making it a popular choice for budget-conscious drivers. Rates in Severna Park 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 Severna Park

$1016

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Severna Park

1st place: Kemper

At $743 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $802 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 $820 for six months, making it the third cheapest auto insurance company in Severna Park.

Severna Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Severna Park, MD is Kemper, offering policies at just $743 for a six-month term. This is followed by USAA, which has an average six-month premium of $802.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1901 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Severna Park drivers find the best deals.

Cheap Car Insurance Companies in Severna Park, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$743	$126
USAA	$802	$135
State Farm	$820	$138
Travelers	$820	$138
Nationwide	$950	$160
Erie	$980	$165
Progressive	$1117	$188
Allstate	$1901	$320

Key Takeaways

Way's key takeaways about car insurance in Severna Park

The auto insurance costs in Severna Park fall around $743 for six months.
The cheapest auto insurance company in Severna Park is USAA.
Teen drivers pay the highest rate in Severna Park at $1335 per month.

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Cheapest Minimum Liability Car Insurance in Severna Park

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 Severna Park are given below.

USAA provides the cheapest minimum car insurance coverage in Severna Park. Their Average 6 Month Premium is $297. Allstate is the most expensive at $1040 for the same period.

Cheapest Liability Coverage in Severna Park, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$297	$50
Travelers	$410	$69
State Farm	$416	$70
Kemper	$422	$70
Erie	$440	$74
Progressive	$517	$87
Nationwide	$535	$90
Allstate	$1040	$175

Cheapest Full Coverage Car Insurance in Severna Park

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 Severna Park is Kemper at $126 per month and $743 for six months.

Cheapest Full Coverage Car Insurance Quotes in Severna Park, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$743	$126
USAA	$802	$135
State Farm	$820	$138
Travelers	$820	$138
Nationwide	$950	$160
Erie	$980	$165
Progressive	$1117	$188
Allstate	$1901	$320

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Average Car Insurance in Severna Park 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 Severna Park, MD increasing?

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

Car Insurance Premiums by Age in Severna Park

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	$685
30s	Travelers	$584
40s	Travelers	$532
50s	Travelers	$503
60s	Travelers	$564
70s	USAA	$596

Cheapest Car Insurance Rates for Teen Drivers in Severna Park,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Severna Park at $76 per month. At $7930 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$446	$76
Erie	$1158	$195
Travelers	$1354	$228
USAA	$1449	$244
State Farm	$1966	$331
Progressive	$2501	$421
Nationwide	$3754	$632
Allstate	$7930	$1335

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 Severna Park.

As young drivers face the highest rates in Severna Park, Travelers offers the cheapest auto insurance rates at $685 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 Severna Park, USAA is the cheapest car insurance provider. At $939 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 Severna Park is State Farm, offering rates of around $3552 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$939	$156
Progressive	$968	$163
Nationwide	$1230	$207
Travelers	$1734	$295
Erie	$2037	$340
Allstate	$2774	$472
State Farm	$3552	$592

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Car Insurance Rates with An Accident in Severna Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Severna Park

The cheapest car insurance companies after an at-fault accident in Severna Park include Erie and USAA, offering $737 and $838, respectively. Encompass is an expensive provider with an average six-month premium of $659.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$737	$124
USAA	$838	$141
Travelers	$849	$143
State Farm	$915	$154
Progressive	$1111	$187
Nationwide	$1544	$260
Allstate	$3469	$584
Encompass	$659	$110

Severna Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Severna Park MD. For example, the car insurance in Severna Park after a DUI increases to $1128 for a six month policy. While the rate increases by $261 for a six-month policy in the case of a speeding ticket.

Severna Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1200	$200
One Med/PIP claim	$1241	$211
Not-at-fault accident	$1289	$215
One comp claim	$1295	$220
Two Med/PIP claims	$1319	$220
Failure to wear a seat belt	$1360	$231
Failure to show documents	$1396	$233
Child safety restraint	$1408	$239
Two comp claims	$1408	$235
Driving with expired registration	$1443	$245
Cell phone violation	$1461	$244
Driving too slowly	$1461	$248
Failure to stop at a red light	$1461	$244
Failure to yield	$1461	$248
Following too closely	$1461	$244
Illegal turn	$1461	$248
Improper passing	$1461	$244
Speeding 11 - 15 MPH over limit	$1461	$248
Speeding 16 - 20 MPH over limit	$1461	$244
Speeding 6 - 10 MPH over limit	$1461	$248
Texting while driving	$1461	$244
Wrong way/wrong lane	$1461	$248
Speeding in school zone	$1479	$247
At-fault accident - less than $1000	$1509	$257
Passing school bus	$1515	$252
Driving without lights	$1521	$259
Open container	$1527	$254
Operating a vehicle without permission	$1544	$263
Speeding 21 - 25 MPH over limit	$1598	$266
In 65 MPH zone	$1746	$297
At-fault accident - $1000-$2000	$1800	$300
At-fault accident - greater than $2000	$1800	$306
Reckless driving	$2055	$343
Racing	$2210	$376
Driving with a suspended license	$2245	$374
Refusal to submit to a chemical test	$2317	$394
DUI	$2328	$388
Leaving scene of an accident/hit and run	$2346	$399

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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 Severna Park 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 Severna Park.

The cheapest car insurance premiums in Severna Park are offered by Erie at $630 for a six-month policy. However, it can be as expensive as $2590 with companies like Nationwide.

Severna Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$630	$106
Travelers	$921	$155
Progressive	$1200	$202
USAA	$1384	$233
State Farm	$1800	$303
Allstate	$1984	$334
Nationwide	$2590	$436

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 Severna Park are offered by State Farm at $564. However, it can be as expensive as $2424 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Severna Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$564	$95
USAA	$642	$109
Erie	$748	$126
Progressive	$867	$146
Travelers	$1188	$198
Nationwide	$1687	$287
Allstate	$2424	$404

Car Insurance Price Trends in Severna Park, Maryland

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

The average cost of full coverage in the Severna Park rose by $213 in December compared to $212 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 Severna Park remained steady at $77 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 Severna Park?

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

What is the cheapest car insurance in Severna Park?

The cheapest car insurance in Severna Park is $126 per month for full coverage.

How much is car insurance in Severna Park for teenagers?

Car insurance for teenagers costs $446 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 Severna Park?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $171 per month to insure your car in Severna Park.

Is car insurance expensive in Severna Park?

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

Cheapest Car Insurance Quotes in Severna Park

Why you can trust Way?

How Much Is Car Insurance in Severna Park

Avg. Car Insurance in Severna Park

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Severna Park

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Severna Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Severna Park, MD

Way's key takeaways about car insurance in Severna Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Severna Park

Cheapest Liability Coverage in Severna Park, MD

Cheapest Full Coverage Car Insurance in Severna Park

Cheapest Full Coverage Car Insurance Quotes in Severna Park, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Severna Park by Rating Factor

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

Car Insurance Premiums by Age in Severna Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Severna Park,MD

If you are in your twenties Travelers is the best choice for car insurance in Severna Park.

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 Severna Park

Cheapest Car Insurance Companies after an At-Fault Accident in Severna Park

Severna Park Car Insurance Rates by Violation

Severna Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Severna Park after a DUI

Severna Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Severna Park after Speeding ticket

Car Insurance Price Trends in Severna Park, Maryland

Average Car Insurance Cost in Severna Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Severna Park, MD

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

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