Cheapest Car Insurance Quotes in South Laurel

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South Laurel Car Insurance

^$ 59

/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 South Laurel

The car insurance rate in South Laurel is $1397 for a six-month policy, which is $193 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $862, making it a popular choice for budget-conscious drivers. Rates in South Laurel 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 South Laurel

$1397

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in South Laurel

1st place: Kemper

At $862 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $951 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $992 for six months, making it the third cheapest auto insurance company in South Laurel.

South Laurel Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Laurel, MD is Kemper, offering policies at just $862 for a six-month term. This is followed by USAA, which has an average six-month premium of $951.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2777 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Laurel drivers find the best deals.

Cheap Car Insurance Companies in South Laurel, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$862	$146
USAA	$951	$160
Travelers	$992	$167
State Farm	$1095	$184
Erie	$1186	$200
Nationwide	$1192	$201
Progressive	$1413	$238
Allstate	$2102	$350
Maryland Auto	$2777	$472

Key Takeaways

Way's key takeaways about car insurance in South Laurel

The auto insurance costs in South Laurel fall around $862 for six months.
The cheapest auto insurance company in South Laurel is USAA.
Teen drivers pay the highest rate in South Laurel at $1437 per month.

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Cheapest Minimum Liability Car Insurance in South Laurel

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 South Laurel are given below.

USAA provides the cheapest minimum car insurance coverage in South Laurel. Their Average 6 Month Premium is $351. Allstate is the most expensive at $1102 for the same period.

Cheapest Liability Coverage in South Laurel, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$351	$59
Travelers	$469	$79
Kemper	$490	$81
Erie	$517	$87
State Farm	$523	$88
Nationwide	$654	$110
Progressive	$675	$114
Maryland Auto	$965	$164
Allstate	$1102	$183

Cheapest Full Coverage Car Insurance in South Laurel

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 South Laurel is Kemper at $146 per month and $862 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Laurel, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$862	$146
USAA	$951	$160
Travelers	$992	$167
State Farm	$1095	$184
Erie	$1186	$200
Nationwide	$1192	$201
Progressive	$1413	$238
Allstate	$2102	$350
Maryland Auto	$2777	$472

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Average Car Insurance in South Laurel 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 South Laurel, MD increasing?

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

Car Insurance Premiums by Age in South Laurel

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 South Laurel,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the South Laurel at $86 per month. At $8627 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$517	$86
Erie	$1612	$271
Travelers	$1716	$289
USAA	$1757	$296
State Farm	$2618	$441
Progressive	$3080	$519
Maryland Auto	$4699	$783
Nationwide	$5140	$865
Allstate	$8627	$1437

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 South Laurel, USAA is the cheapest car insurance provider. At $1240 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 South Laurel is Allstate, offering rates of around $3218 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1240	$206
Progressive	$1385	$233
Nationwide	$1805	$304
Travelers	$2329	$396
Maryland Auto	$2777	$463
Erie	$2929	$498
State Farm	$6360	$1060
Allstate	$3218	$548

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Car Insurance Rates with An Accident in South Laurel

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

Cheapest Car Insurance Companies after an At-Fault Accident in South Laurel

The cheapest car insurance companies after an at-fault accident in South Laurel include Erie and USAA, offering $985 and $1006, respectively. Allstate is an expensive provider with an average six-month premium of $3797.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$985	$166
USAA	$1006	$169
Travelers	$1061	$179
State Farm	$1192	$201
Progressive	$1420	$239
Nationwide	$2074	$349
Maryland Auto	$3631	$606
Allstate	$3797	$646

South Laurel Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Laurel MD. For example, the car insurance in South Laurel after a DUI increases to $1308 for a six month policy. While the rate increases by $303 for a six-month policy in the case of a speeding ticket.

South Laurel auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1392	$232
One Med/PIP claim	$1440	$245
Not-at-fault accident	$1495	$249
One comp claim	$1502	$255
Two Med/PIP claims	$1530	$255
Failure to wear a seat belt	$1578	$268
Failure to show documents	$1619	$270
Child safety restraint	$1633	$277
Two comp claims	$1633	$273
Driving with expired registration	$1674	$284
Cell phone violation	$1695	$283
Driving too slowly	$1695	$288
Failure to stop at a red light	$1695	$283
Failure to yield	$1695	$288
Following too closely	$1695	$283
Illegal turn	$1695	$288
Improper passing	$1695	$283
Speeding 11 - 15 MPH over limit	$1695	$288
Speeding 16 - 20 MPH over limit	$1695	$283
Speeding 6 - 10 MPH over limit	$1695	$288
Texting while driving	$1695	$283
Wrong way/wrong lane	$1695	$288
Speeding in school zone	$1716	$287
At-fault accident - less than $1000	$1750	$298
Passing school bus	$1757	$292
Driving without lights	$1764	$300
Open container	$1771	$295
Operating a vehicle without permission	$1791	$305
Speeding 21 - 25 MPH over limit	$1854	$309
In 65 MPH zone	$2025	$345
At-fault accident - $1000-$2000	$2088	$348
At-fault accident - greater than $2000	$2088	$355
Reckless driving	$2384	$398
Racing	$2564	$436
Driving with a suspended license	$2604	$434
Refusal to submit to a chemical test	$2688	$457
DUI	$2700	$450
Leaving scene of an accident/hit and run	$2721	$463

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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 South Laurel 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 South Laurel.

The cheapest car insurance premiums in South Laurel are offered by Erie at $827 for a six-month policy. However, it can be as expensive as $4086 with companies like Maryland Auto.

South Laurel car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$827	$139
Travelers	$1137	$191
Progressive	$1530	$258
USAA	$1674	$282
Allstate	$2198	$367
State Farm	$2618	$441
Nationwide	$3583	$603
Maryland Auto	$4086	$695

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 South Laurel are offered by USAA at $848. However, it can be as expensive as $2812 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in South Laurel after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$848	$144
State Farm	$889	$150
Erie	$1013	$171
Progressive	$1233	$208
Travelers	$1640	$278
Nationwide	$2639	$440
Maryland Auto	$2777	$472
Allstate	$2812	$469

Car Insurance Price Trends in South Laurel, Maryland

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

The average cost of full coverage in the South Laurel rose by $261 in January compared to $247 of December. In other words, there has been an increase by $14 when you compare January and December.

The average cost of liability insurance in the South Laurel rose to $90 in January, compared to $89 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 South Laurel?

The car insurance in South Laurel is $59 per month, which is lower than the national average.

What is the cheapest car insurance in South Laurel?

The cheapest car insurance in South Laurel is $146 per month for full coverage.

How much is car insurance in South Laurel for teenagers?

Car insurance for teenagers costs $517 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 South Laurel?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $234 per month to insure your car in South Laurel.

Is car insurance expensive in South Laurel?

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

Cheapest Car Insurance Quotes in South Laurel

Why you can trust Way?

How Much Is Car Insurance in South Laurel

Avg. Car Insurance in South Laurel

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in South Laurel

1st place: Kemper

2nd place: USAA

3rd place: Travelers

South Laurel Car Insurance Rates by Company

Cheap Car Insurance Companies in South Laurel, MD

Way's key takeaways about car insurance in South Laurel

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Laurel

Cheapest Liability Coverage in South Laurel, MD

Cheapest Full Coverage Car Insurance in South Laurel

Cheapest Full Coverage Car Insurance Quotes in South Laurel, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Laurel by Rating Factor

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

Car Insurance Premiums by Age in South Laurel

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Laurel,MD

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

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 South Laurel

Cheapest Car Insurance Companies after an At-Fault Accident in South Laurel

South Laurel Car Insurance Rates by Violation

South Laurel auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Laurel after a DUI

South Laurel car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Laurel after Speeding ticket

Car Insurance Price Trends in South Laurel, Maryland

Average Car Insurance Cost in South Laurel by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Laurel, MD

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

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