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Finding the cheapest car insurance quotes in Stevenson shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Stevenson
The car insurance rate in Stevenson is $1421 for a six-month policy, which is $217 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $877, making it a popular choice for budget-conscious drivers. Rates in Stevenson 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.
At $877 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $968 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $1009
for six months, making it
the third cheapest auto insurance company in Stevenson.
Stevenson Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Stevenson, MD is Kemper, offering policies at just $877 for a six-month term. This is followed by USAA, which has an average six-month premium of $968.
At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2825 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stevenson drivers find the best deals.
Way's key takeaways about car insurance in Stevenson
The auto insurance costs in Stevenson fall around $877 for six
months.
The cheapest auto insurance company in Stevenson is USAA.
Teen drivers pay the highest rate in Stevenson at $1462 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Stevenson
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 Stevenson are given below.
USAA provides
the cheapest minimum car insurance
coverage in Stevenson. Their Average 6 Month Premium is $358.
Allstate is the most
expensive at $1121 for the same
period.
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 Stevenson is Kemper
at $149 per month and $877
for six months.
Cheapest Full Coverage Car Insurance Quotes in Stevenson,
MD
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Average Car Insurance in Stevenson 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 Stevenson, MD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Stevenson, 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, Stevenson's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Stevenson
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
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Cheapest Car Insurance Rates for Teen Drivers in
Stevenson,MD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Stevenson at $87
per
month. At $8776 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Stevenson.
As young drivers face the highest rates in Stevenson, N/A
offers the cheapest auto insurance rates at $N/A 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 Stevenson,
USAA is
the cheapest car insurance provider. At $1261 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
Stevenson is Allstate, offering
rates of around $3273 for six
months.
Save up to $971/yr on car insurance rates in Stevenson.
Car Insurance Rates with An Accident in Stevenson
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 Stevenson, MD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Stevenson
The cheapest car insurance companies after an at-fault accident in
Stevenson include Erie
and USAA, offering $1002
and $1023,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3862.
Here is a list of driving violations that can increase your car
insurance rates in Stevenson MD. For example, the car
insurance in Stevenson
after a DUI increases to $1331 for a six
month policy. While the rate increases by $308 for a six-month policy in the case of
a speeding ticket.
Stevenson auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1416
$236
One Med/PIP claim
$1464
$249
Not-at-fault accident
$1521
$254
One comp claim
$1528
$260
Two Med/PIP claims
$1556
$260
Failure to wear a seat belt
$1605
$273
Failure to show documents
$1647
$275
Child safety restraint
$1661
$282
Two comp claims
$1661
$277
Driving with expired registration
$1703
$289
Cell phone violation
$1724
$288
Driving too slowly
$1724
$293
Failure to stop at a red light
$1724
$288
Failure to yield
$1724
$293
Following too closely
$1724
$288
Illegal turn
$1724
$293
Improper passing
$1724
$288
Speeding 11 - 15 MPH over limit
$1724
$293
Speeding 16 - 20 MPH over limit
$1724
$288
Speeding 6 - 10 MPH over limit
$1724
$293
Texting while driving
$1724
$288
Wrong way/wrong lane
$1724
$293
Speeding in school zone
$1745
$291
At-fault accident - less than $1000
$1781
$303
Passing school bus
$1788
$297
Driving without lights
$1795
$306
Open container
$1802
$300
Operating a vehicle without permission
$1822
$310
Speeding 21 - 25 MPH over limit
$1886
$314
In 65 MPH zone
$2060
$350
At-fault accident - $1000-$2000
$2124
$354
At-fault accident - greater than $2000
$2124
$361
Reckless driving
$2425
$405
Racing
$2608
$444
Driving with a suspended license
$2649
$441
Refusal to submit to a chemical test
$2734
$465
DUI
$2747
$458
Leaving scene of an accident/hit and run
$2768
$471
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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 Stevenson 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 Stevenson.
The cheapest car insurance premiums in
Stevenson are
offered by Erie at $841 for a six-month policy.
However, it can be as
expensive as $4156 with companies
like Maryland Auto.
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 Stevenson are offered by USAA
at $863. However,
it can be as expensive as $2860
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Stevenson after Speeding ticket
Car insurance rates in Stevenson have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Stevenson rose by
$266 in January
compared to $251 of December. In other words, there has been an increase by $15 when you
compare January and December.
The average cost of liability insurance in the Stevenson rose to $92 in January,
compared to $91 in December.
This represents an increase of $1
when comparing January and December.
Average Car Insurance Cost in Stevenson by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Stevenson. At $2841 for a
six-month policy, insuring
your car at 21153 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Stevenson?
The car insurance in Stevenson is $60 per month, which is lower than the national average.
What is the cheapest car insurance in Stevenson?
The cheapest car insurance in Stevenson
is $149 per month
for full coverage.
How much is car insurance in Stevenson for teenagers?
Car insurance for teenagers costs $526 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
Stevenson?
The average cost of car insurance is $1204 for a six-month
policy. It will cost around $238 per month to insure your
car in Stevenson.
Is car insurance expensive in Stevenson?
Car insurance can be expensive in Stevenson if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Stevenson can be
affordable.
What is the best car insurance in Stevenson,
MD?
The best car insurance company in Stevenson
MD is
Kemper, offering $877 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Stevenson, MD
Car Insurance Rates by State in the USA (2025 Update)
Stevenson Car Insurance
