Cheapest Car Insurance Quotes in Springdale

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Springdale Car Insurance

^$ 61

/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 Springdale

The car insurance rate in Springdale is $1229 for a six-month policy, which is $213 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $899, making it a popular choice for budget-conscious drivers. Rates in Springdale 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 Springdale

$1229

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Springdale

1st place: Kemper

At $899 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $970 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 $992 for six months, making it the third cheapest auto insurance company in Springdale.

Springdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Springdale, MD is Kemper, offering policies at just $899 for a six-month term. This is followed by USAA, which has an average six-month premium of $970.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2300 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Springdale drivers find the best deals.

Cheap Car Insurance Companies in Springdale, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$899	$152
USAA	$970	$163
State Farm	$992	$167
Travelers	$992	$167
Nationwide	$1150	$194
Erie	$1186	$200
Progressive	$1352	$227
Allstate	$2300	$387

Key Takeaways

Way's key takeaways about car insurance in Springdale

The auto insurance costs in Springdale fall around $899 for six months.
The cheapest auto insurance company in Springdale is USAA.
Teen drivers pay the highest rate in Springdale at $1615 per month.

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Cheapest Minimum Liability Car Insurance in Springdale

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 Springdale are given below.

USAA provides the cheapest minimum car insurance coverage in Springdale. Their Average 6 Month Premium is $359. Allstate is the most expensive at $1258 for the same period.

Cheapest Liability Coverage in Springdale, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$359	$61
Travelers	$496	$83
State Farm	$503	$85
Kemper	$511	$85
Erie	$532	$90
Progressive	$626	$105
Nationwide	$647	$109
Allstate	$1258	$212

Cheapest Full Coverage Car Insurance in Springdale

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 Springdale is Kemper at $152 per month and $899 for six months.

Cheapest Full Coverage Car Insurance Quotes in Springdale, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$899	$152
USAA	$970	$163
State Farm	$992	$167
Travelers	$992	$167
Nationwide	$1150	$194
Erie	$1186	$200
Progressive	$1352	$227
Allstate	$2300	$387

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Average Car Insurance in Springdale 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 Springdale, MD increasing?

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

Car Insurance Premiums by Age in Springdale

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	$829
30s	Travelers	$707
40s	Travelers	$644
50s	Travelers	$609
60s	Travelers	$682
70s	USAA	$721

Cheapest Car Insurance Rates for Teen Drivers in Springdale,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Springdale at $92 per month. At $9595 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$540	$92
Erie	$1401	$236
Travelers	$1638	$276
USAA	$1753	$295
State Farm	$2379	$401
Progressive	$3026	$509
Nationwide	$4542	$765
Allstate	$9595	$1615

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 Springdale.

As young drivers face the highest rates in Springdale, Travelers offers the cheapest auto insurance rates at $829 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 Springdale, USAA is the cheapest car insurance provider. At $1136 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 Springdale is State Farm, offering rates of around $4298 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1136	$189
Progressive	$1171	$197
Nationwide	$1488	$250
Travelers	$2098	$357
Erie	$2465	$411
Allstate	$3357	$571
State Farm	$4298	$716

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Car Insurance Rates with An Accident in Springdale

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

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

The cheapest car insurance companies after an at-fault accident in Springdale include Erie and USAA, offering $892 and $1014, respectively. Encompass is an expensive provider with an average six-month premium of $797.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$892	$150
USAA	$1014	$171
Travelers	$1027	$173
State Farm	$1107	$186
Progressive	$1344	$226
Nationwide	$1868	$315
Allstate	$4197	$707
Encompass	$797	$133

Springdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Springdale MD. For example, the car insurance in Springdale after a DUI increases to $1365 for a six month policy. While the rate increases by $316 for a six-month policy in the case of a speeding ticket.

Springdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1452	$242
One Med/PIP claim	$1502	$255
Not-at-fault accident	$1560	$260
One comp claim	$1567	$266
Two Med/PIP claims	$1596	$266
Failure to wear a seat belt	$1646	$280
Failure to show documents	$1689	$282
Child safety restraint	$1704	$289
Two comp claims	$1704	$284
Driving with expired registration	$1746	$296
Cell phone violation	$1768	$295
Driving too slowly	$1768	$300
Failure to stop at a red light	$1768	$295
Failure to yield	$1768	$300
Following too closely	$1768	$295
Illegal turn	$1768	$300
Improper passing	$1768	$295
Speeding 11 - 15 MPH over limit	$1768	$300
Speeding 16 - 20 MPH over limit	$1768	$295
Speeding 6 - 10 MPH over limit	$1768	$300
Texting while driving	$1768	$295
Wrong way/wrong lane	$1768	$300
Speeding in school zone	$1790	$299
At-fault accident - less than $1000	$1826	$311
Passing school bus	$1833	$305
Driving without lights	$1840	$313
Open container	$1848	$307
Operating a vehicle without permission	$1868	$318
Speeding 21 - 25 MPH over limit	$1934	$322
In 65 MPH zone	$2113	$359
At-fault accident - $1000-$2000	$2178	$363
At-fault accident - greater than $2000	$2178	$370
Reckless driving	$2487	$415
Racing	$2674	$455
Driving with a suspended license	$2716	$453
Refusal to submit to a chemical test	$2804	$477
DUI	$2817	$469
Leaving scene of an accident/hit and run	$2839	$483

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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 Springdale 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 Springdale.

The cheapest car insurance premiums in Springdale are offered by Erie at $762 for a six-month policy. However, it can be as expensive as $3134 with companies like Nationwide.

Springdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$762	$128
Travelers	$1114	$188
Progressive	$1452	$244
USAA	$1675	$282
State Farm	$2178	$367
Allstate	$2401	$404
Nationwide	$3134	$528

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 Springdale are offered by State Farm at $682. However, it can be as expensive as $2933 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Springdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$682	$115
USAA	$777	$132
Erie	$905	$152
Progressive	$1049	$177
Travelers	$1437	$240
Nationwide	$2041	$347
Allstate	$2933	$489

Car Insurance Price Trends in Springdale, Maryland

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

The average cost of full coverage in the Springdale rose by $258 in December compared to $257 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 Springdale remained steady at $93 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 Springdale?

The car insurance in Springdale is $61 per month, which is lower than the national average.

What is the cheapest car insurance in Springdale?

The cheapest car insurance in Springdale is $152 per month for full coverage.

How much is car insurance in Springdale for teenagers?

Car insurance for teenagers costs $540 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 Springdale?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $207 per month to insure your car in Springdale.

Is car insurance expensive in Springdale?

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

Cheapest Car Insurance Quotes in Springdale

Why you can trust Way?

How Much Is Car Insurance in Springdale

Avg. Car Insurance in Springdale

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Springdale

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Springdale Car Insurance Rates by Company

Cheap Car Insurance Companies in Springdale, MD

Way's key takeaways about car insurance in Springdale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Springdale

Cheapest Liability Coverage in Springdale, MD

Cheapest Full Coverage Car Insurance in Springdale

Cheapest Full Coverage Car Insurance Quotes in Springdale, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Springdale by Rating Factor

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

Car Insurance Premiums by Age in Springdale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Springdale,MD

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

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 Springdale

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

Springdale Car Insurance Rates by Violation

Springdale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Springdale after a DUI

Springdale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Springdale after Speeding ticket

Car Insurance Price Trends in Springdale, Maryland

Average Car Insurance Cost in Springdale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Springdale, MD

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

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