Cheapest Car Insurance Quotes in Taneytown

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Taneytown Car Insurance

^$ 45

/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 Taneytown

The car insurance rate in Taneytown is $914 for a six-month policy, which is $102 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $669, making it a popular choice for budget-conscious drivers. Rates in Taneytown 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 Taneytown

$914

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Taneytown

1st place: Kemper

At $669 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $722 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 $738 for six months, making it the third cheapest auto insurance company in Taneytown.

Taneytown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Taneytown, MD is Kemper, offering policies at just $669 for a six-month term. This is followed by USAA, which has an average six-month premium of $722.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1711 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Taneytown drivers find the best deals.

Cheap Car Insurance Companies in Taneytown, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$669	$113
USAA	$722	$122
State Farm	$738	$124
Travelers	$738	$124
Nationwide	$855	$144
Erie	$882	$149
Progressive	$1005	$169
Allstate	$1711	$288

Key Takeaways

Way's key takeaways about car insurance in Taneytown

The auto insurance costs in Taneytown fall around $669 for six months.
The cheapest auto insurance company in Taneytown is USAA.
Teen drivers pay the highest rate in Taneytown at $1202 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Taneytown

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 Taneytown are given below.

USAA provides the cheapest minimum car insurance coverage in Taneytown. Their Average 6 Month Premium is $267. Allstate is the most expensive at $936 for the same period.

Cheapest Liability Coverage in Taneytown, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$267	$45
Travelers	$369	$62
State Farm	$374	$63
Kemper	$380	$63
Erie	$396	$67
Progressive	$465	$78
Nationwide	$482	$81
Allstate	$936	$158

Cheapest Full Coverage Car Insurance in Taneytown

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 Taneytown is Kemper at $113 per month and $669 for six months.

Cheapest Full Coverage Car Insurance Quotes in Taneytown, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$669	$113
USAA	$722	$122
State Farm	$738	$124
Travelers	$738	$124
Nationwide	$855	$144
Erie	$882	$149
Progressive	$1005	$169
Allstate	$1711	$288

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Average Car Insurance in Taneytown 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 Taneytown, MD increasing?

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

Car Insurance Premiums by Age in Taneytown

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	$617
30s	Travelers	$526
40s	Travelers	$479
50s	Travelers	$453
60s	Travelers	$508
70s	USAA	$536

Cheapest Car Insurance Rates for Teen Drivers in Taneytown,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Taneytown at $68 per month. At $7137 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$401	$68
Erie	$1042	$176
Travelers	$1219	$205
USAA	$1304	$220
State Farm	$1769	$298
Progressive	$2251	$379
Nationwide	$3379	$569
Allstate	$7137	$1202

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 Taneytown.

As young drivers face the highest rates in Taneytown, Travelers offers the cheapest auto insurance rates at $617 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 Taneytown, USAA is the cheapest car insurance provider. At $845 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 Taneytown is State Farm, offering rates of around $3197 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$845	$140
Progressive	$871	$147
Nationwide	$1107	$186
Travelers	$1561	$266
Erie	$1833	$306
Allstate	$2497	$425
State Farm	$3197	$533

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Car Insurance Rates with An Accident in Taneytown

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

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

The cheapest car insurance companies after an at-fault accident in Taneytown include Erie and USAA, offering $663 and $754, respectively. Encompass is an expensive provider with an average six-month premium of $593.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$663	$112
USAA	$754	$127
Travelers	$764	$129
State Farm	$824	$139
Progressive	$1000	$168
Nationwide	$1390	$234
Allstate	$3122	$526
Encompass	$593	$99

Taneytown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Taneytown MD. For example, the car insurance in Taneytown after a DUI increases to $1015 for a six month policy. While the rate increases by $235 for a six-month policy in the case of a speeding ticket.

Taneytown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1080	$180
One Med/PIP claim	$1117	$190
Not-at-fault accident	$1160	$194
One comp claim	$1166	$198
Two Med/PIP claims	$1187	$198
Failure to wear a seat belt	$1224	$208
Failure to show documents	$1256	$210
Child safety restraint	$1267	$215
Two comp claims	$1267	$212
Driving with expired registration	$1299	$221
Cell phone violation	$1315	$220
Driving too slowly	$1315	$223
Failure to stop at a red light	$1315	$220
Failure to yield	$1315	$223
Following too closely	$1315	$220
Illegal turn	$1315	$223
Improper passing	$1315	$220
Speeding 11 - 15 MPH over limit	$1315	$223
Speeding 16 - 20 MPH over limit	$1315	$220
Speeding 6 - 10 MPH over limit	$1315	$223
Texting while driving	$1315	$220
Wrong way/wrong lane	$1315	$223
Speeding in school zone	$1331	$222
At-fault accident - less than $1000	$1358	$231
Passing school bus	$1364	$227
Driving without lights	$1369	$233
Open container	$1374	$229
Operating a vehicle without permission	$1390	$237
Speeding 21 - 25 MPH over limit	$1438	$239
In 65 MPH zone	$1571	$267
At-fault accident - $1000-$2000	$1620	$270
At-fault accident - greater than $2000	$1620	$275
Reckless driving	$1850	$309
Racing	$1989	$338
Driving with a suspended license	$2021	$337
Refusal to submit to a chemical test	$2085	$355
DUI	$2095	$349
Leaving scene of an accident/hit and run	$2111	$359

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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 Taneytown 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 Taneytown.

The cheapest car insurance premiums in Taneytown are offered by Erie at $567 for a six-month policy. However, it can be as expensive as $2331 with companies like Nationwide.

Taneytown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$567	$95
Travelers	$829	$140
Progressive	$1080	$182
USAA	$1246	$210
State Farm	$1620	$273
Allstate	$1786	$301
Nationwide	$2331	$392

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 Taneytown are offered by State Farm at $508. However, it can be as expensive as $2182 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Taneytown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$508	$86
USAA	$578	$98
Erie	$673	$113
Progressive	$780	$131
Travelers	$1069	$178
Nationwide	$1518	$258
Allstate	$2182	$364

Car Insurance Price Trends in Taneytown, Maryland

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

The average cost of full coverage in the Taneytown rose by $192 in December compared to $191 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 Taneytown remained steady at $69 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 Taneytown?

The car insurance in Taneytown is $45 per month, which is lower than the national average.

What is the cheapest car insurance in Taneytown?

The cheapest car insurance in Taneytown is $113 per month for full coverage.

How much is car insurance in Taneytown for teenagers?

Car insurance for teenagers costs $401 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 Taneytown?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $154 per month to insure your car in Taneytown.

Is car insurance expensive in Taneytown?

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

Cheapest Car Insurance Quotes in Taneytown

Why you can trust Way?

How Much Is Car Insurance in Taneytown

Avg. Car Insurance in Taneytown

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Taneytown

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Taneytown Car Insurance Rates by Company

Cheap Car Insurance Companies in Taneytown, MD

Way's key takeaways about car insurance in Taneytown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Taneytown

Cheapest Liability Coverage in Taneytown, MD

Cheapest Full Coverage Car Insurance in Taneytown

Cheapest Full Coverage Car Insurance Quotes in Taneytown, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Taneytown by Rating Factor

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

Car Insurance Premiums by Age in Taneytown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Taneytown,MD

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

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 Taneytown

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

Taneytown Car Insurance Rates by Violation

Taneytown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Taneytown after a DUI

Taneytown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Taneytown after Speeding ticket

Car Insurance Price Trends in Taneytown, Maryland

Average Car Insurance Cost in Taneytown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Taneytown, MD

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

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