Cheapest Car Insurance Quotes in Shady Side

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Shady Side Car Insurance

^$ 51

/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 Shady Side

The car insurance rate in Shady Side is $1036 for a six-month policy, which is $20 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $758, making it a popular choice for budget-conscious drivers. Rates in Shady Side 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 Shady Side

$1036

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Shady Side

1st place: Kemper

At $758 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $818 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 $836 for six months, making it the third cheapest auto insurance company in Shady Side.

Shady Side Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Shady Side, MD is Kemper, offering policies at just $758 for a six-month term. This is followed by USAA, which has an average six-month premium of $818.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1939 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Shady Side drivers find the best deals.

Cheap Car Insurance Companies in Shady Side, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$758	$129
USAA	$818	$138
State Farm	$836	$141
Travelers	$836	$141
Nationwide	$969	$163
Erie	$1000	$168
Progressive	$1139	$192
Allstate	$1939	$326

Key Takeaways

Way's key takeaways about car insurance in Shady Side

The auto insurance costs in Shady Side fall around $758 for six months.
The cheapest auto insurance company in Shady Side is USAA.
Teen drivers pay the highest rate in Shady Side at $1362 per month.

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Cheapest Minimum Liability Car Insurance in Shady Side

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 Shady Side are given below.

USAA provides the cheapest minimum car insurance coverage in Shady Side. Their Average 6 Month Premium is $303. Allstate is the most expensive at $1061 for the same period.

Cheapest Liability Coverage in Shady Side, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$303	$51
Travelers	$418	$70
State Farm	$424	$71
Kemper	$430	$71
Erie	$449	$75
Progressive	$527	$89
Nationwide	$546	$92
Allstate	$1061	$179

Cheapest Full Coverage Car Insurance in Shady Side

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 Shady Side is Kemper at $129 per month and $758 for six months.

Cheapest Full Coverage Car Insurance Quotes in Shady Side, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$758	$129
USAA	$818	$138
State Farm	$836	$141
Travelers	$836	$141
Nationwide	$969	$163
Erie	$1000	$168
Progressive	$1139	$192
Allstate	$1939	$326

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Average Car Insurance in Shady Side 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 Shady Side, MD increasing?

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

Car Insurance Premiums by Age in Shady Side

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	$699
30s	Travelers	$596
40s	Travelers	$543
50s	Travelers	$513
60s	Travelers	$575
70s	USAA	$608

Cheapest Car Insurance Rates for Teen Drivers in Shady Side,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Shady Side at $78 per month. At $8089 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$455	$78
Erie	$1181	$199
Travelers	$1381	$233
USAA	$1478	$249
State Farm	$2005	$338
Progressive	$2551	$429
Nationwide	$3829	$645
Allstate	$8089	$1362

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 Shady Side.

As young drivers face the highest rates in Shady Side, Travelers offers the cheapest auto insurance rates at $699 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 Shady Side, USAA is the cheapest car insurance provider. At $958 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 Shady Side is State Farm, offering rates of around $3623 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$958	$159
Progressive	$987	$166
Nationwide	$1255	$211
Travelers	$1769	$301
Erie	$2078	$347
Allstate	$2829	$481
State Farm	$3623	$604

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Car Insurance Rates with An Accident in Shady Side

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

Cheapest Car Insurance Companies after an At-Fault Accident in Shady Side

The cheapest car insurance companies after an at-fault accident in Shady Side include Erie and USAA, offering $752 and $855, respectively. Encompass is an expensive provider with an average six-month premium of $672.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$752	$126
USAA	$855	$144
Travelers	$866	$146
State Farm	$933	$157
Progressive	$1133	$191
Nationwide	$1575	$265
Allstate	$3538	$596
Encompass	$672	$112

Shady Side Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Shady Side MD. For example, the car insurance in Shady Side after a DUI increases to $1151 for a six month policy. While the rate increases by $266 for a six-month policy in the case of a speeding ticket.

Shady Side auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1224	$204
One Med/PIP claim	$1266	$215
Not-at-fault accident	$1315	$219
One comp claim	$1321	$224
Two Med/PIP claims	$1345	$224
Failure to wear a seat belt	$1387	$236
Failure to show documents	$1424	$238
Child safety restraint	$1436	$244
Two comp claims	$1436	$240
Driving with expired registration	$1472	$250
Cell phone violation	$1490	$249
Driving too slowly	$1490	$253
Failure to stop at a red light	$1490	$249
Failure to yield	$1490	$253
Following too closely	$1490	$249
Illegal turn	$1490	$253
Improper passing	$1490	$249
Speeding 11 - 15 MPH over limit	$1490	$253
Speeding 16 - 20 MPH over limit	$1490	$249
Speeding 6 - 10 MPH over limit	$1490	$253
Texting while driving	$1490	$249
Wrong way/wrong lane	$1490	$253
Speeding in school zone	$1509	$252
At-fault accident - less than $1000	$1539	$262
Passing school bus	$1545	$257
Driving without lights	$1551	$264
Open container	$1558	$259
Operating a vehicle without permission	$1575	$268
Speeding 21 - 25 MPH over limit	$1630	$271
In 65 MPH zone	$1781	$303
At-fault accident - $1000-$2000	$1836	$306
At-fault accident - greater than $2000	$1836	$312
Reckless driving	$2096	$350
Racing	$2254	$384
Driving with a suspended license	$2290	$381
Refusal to submit to a chemical test	$2363	$402
DUI	$2375	$396
Leaving scene of an accident/hit and run	$2393	$407

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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 Shady Side 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 Shady Side.

The cheapest car insurance premiums in Shady Side are offered by Erie at $643 for a six-month policy. However, it can be as expensive as $2642 with companies like Nationwide.

Shady Side car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$643	$108
Travelers	$939	$158
Progressive	$1224	$206
USAA	$1412	$238
State Farm	$1836	$309
Allstate	$2024	$341
Nationwide	$2642	$445

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 Shady Side are offered by State Farm at $575. However, it can be as expensive as $2472 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Shady Side after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$575	$97
USAA	$655	$111
Erie	$763	$129
Progressive	$884	$149
Travelers	$1212	$202
Nationwide	$1721	$293
Allstate	$2472	$412

Car Insurance Price Trends in Shady Side, Maryland

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

The average cost of full coverage in the Shady Side rose by $217 in December compared to $216 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 Shady Side remained steady at $79 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 Shady Side?

The car insurance in Shady Side is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Shady Side?

The cheapest car insurance in Shady Side is $129 per month for full coverage.

How much is car insurance in Shady Side for teenagers?

Car insurance for teenagers costs $455 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 Shady Side?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $174 per month to insure your car in Shady Side.

Is car insurance expensive in Shady Side?

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

Cheapest Car Insurance Quotes in Shady Side

Why you can trust Way?

How Much Is Car Insurance in Shady Side

Avg. Car Insurance in Shady Side

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Shady Side

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Shady Side Car Insurance Rates by Company

Cheap Car Insurance Companies in Shady Side, MD

Way's key takeaways about car insurance in Shady Side

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Shady Side

Cheapest Liability Coverage in Shady Side, MD

Cheapest Full Coverage Car Insurance in Shady Side

Cheapest Full Coverage Car Insurance Quotes in Shady Side, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Shady Side by Rating Factor

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

Car Insurance Premiums by Age in Shady Side

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Shady Side,MD

If you are in your twenties Travelers is the best choice for car insurance in Shady Side.

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 Shady Side

Cheapest Car Insurance Companies after an At-Fault Accident in Shady Side

Shady Side Car Insurance Rates by Violation

Shady Side auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Shady Side after a DUI

Shady Side car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Shady Side after Speeding ticket

Car Insurance Price Trends in Shady Side, Maryland

Average Car Insurance Cost in Shady Side by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Shady Side, MD

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

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