Cheapest Car Insurance Quotes in Thurmont

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Thurmont Car Insurance

^$ 43

/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 Thurmont

The car insurance rate in Thurmont is $1023 for a six-month policy, which is $181 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $632, making it a popular choice for budget-conscious drivers. Rates in Thurmont 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 Thurmont

$1023

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Thurmont

1st place: Kemper

At $632 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $697 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $727 for six months, making it the third cheapest auto insurance company in Thurmont.

Thurmont Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Thurmont, MD is Kemper, offering policies at just $632 for a six-month term. This is followed by USAA, which has an average six-month premium of $697.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2035 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Thurmont drivers find the best deals.

Cheap Car Insurance Companies in Thurmont, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$632	$107
USAA	$697	$117
Travelers	$727	$122
State Farm	$802	$135
Erie	$869	$146
Nationwide	$874	$147
Progressive	$1035	$174
Allstate	$1540	$257
Maryland Auto	$2035	$346

Key Takeaways

Way's key takeaways about car insurance in Thurmont

The auto insurance costs in Thurmont fall around $632 for six months.
The cheapest auto insurance company in Thurmont is USAA.
Teen drivers pay the highest rate in Thurmont at $1053 per month.

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Cheapest Minimum Liability Car Insurance in Thurmont

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 Thurmont are given below.

USAA provides the cheapest minimum car insurance coverage in Thurmont. Their Average 6 Month Premium is $258. Allstate is the most expensive at $808 for the same period.

Cheapest Liability Coverage in Thurmont, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$258	$43
Travelers	$343	$58
Kemper	$359	$60
Erie	$379	$64
State Farm	$383	$65
Nationwide	$479	$81
Progressive	$495	$83
Maryland Auto	$707	$120
Allstate	$808	$134

Cheapest Full Coverage Car Insurance in Thurmont

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 Thurmont is Kemper at $107 per month and $632 for six months.

Cheapest Full Coverage Car Insurance Quotes in Thurmont, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$632	$107
USAA	$697	$117
Travelers	$727	$122
State Farm	$802	$135
Erie	$869	$146
Nationwide	$874	$147
Progressive	$1035	$174
Allstate	$1540	$257
Maryland Auto	$2035	$346

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Average Car Insurance in Thurmont 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 Thurmont, MD increasing?

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

Car Insurance Premiums by Age in Thurmont

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 Thurmont,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Thurmont at $63 per month. At $6321 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$379	$63
Erie	$1182	$199
Travelers	$1257	$212
USAA	$1288	$217
State Farm	$1918	$323
Progressive	$2257	$380
Maryland Auto	$3443	$574
Nationwide	$3766	$634
Allstate	$6321	$1053

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 Thurmont, USAA is the cheapest car insurance provider. At $909 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 Thurmont is Allstate, offering rates of around $2358 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$909	$151
Progressive	$1015	$171
Nationwide	$1323	$223
Travelers	$1707	$290
Maryland Auto	$2035	$339
Erie	$2146	$365
State Farm	$4661	$777
Allstate	$2358	$401

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Car Insurance Rates with An Accident in Thurmont

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

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

The cheapest car insurance companies after an at-fault accident in Thurmont include Erie and USAA, offering $722 and $737, respectively. Allstate is an expensive provider with an average six-month premium of $2782.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$722	$122
USAA	$737	$124
Travelers	$778	$131
State Farm	$874	$147
Progressive	$1040	$175
Nationwide	$1520	$256
Maryland Auto	$2661	$444
Allstate	$2782	$473

Thurmont Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Thurmont MD. For example, the car insurance in Thurmont after a DUI increases to $959 for a six month policy. While the rate increases by $222 for a six-month policy in the case of a speeding ticket.

Thurmont auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1020	$170
One Med/PIP claim	$1055	$179
Not-at-fault accident	$1096	$183
One comp claim	$1101	$187
Two Med/PIP claims	$1121	$187
Failure to wear a seat belt	$1156	$196
Failure to show documents	$1187	$198
Child safety restraint	$1197	$203
Two comp claims	$1197	$200
Driving with expired registration	$1227	$208
Cell phone violation	$1242	$207
Driving too slowly	$1242	$211
Failure to stop at a red light	$1242	$207
Failure to yield	$1242	$211
Following too closely	$1242	$207
Illegal turn	$1242	$211
Improper passing	$1242	$207
Speeding 11 - 15 MPH over limit	$1242	$211
Speeding 16 - 20 MPH over limit	$1242	$207
Speeding 6 - 10 MPH over limit	$1242	$211
Texting while driving	$1242	$207
Wrong way/wrong lane	$1242	$211
Speeding in school zone	$1257	$210
At-fault accident - less than $1000	$1283	$218
Passing school bus	$1288	$214
Driving without lights	$1293	$220
Open container	$1298	$216
Operating a vehicle without permission	$1312	$224
Speeding 21 - 25 MPH over limit	$1358	$226
In 65 MPH zone	$1484	$252
At-fault accident - $1000-$2000	$1530	$255
At-fault accident - greater than $2000	$1530	$260
Reckless driving	$1747	$292
Racing	$1879	$320
Driving with a suspended license	$1908	$318
Refusal to submit to a chemical test	$1969	$335
DUI	$1979	$330
Leaving scene of an accident/hit and run	$1994	$339

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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 Thurmont 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 Thurmont.

The cheapest car insurance premiums in Thurmont are offered by Erie at $606 for a six-month policy. However, it can be as expensive as $2994 with companies like Maryland Auto.

Thurmont car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$606	$102
Travelers	$833	$140
Progressive	$1121	$189
USAA	$1227	$207
Allstate	$1611	$269
State Farm	$1918	$323
Nationwide	$2626	$442
Maryland Auto	$2994	$509

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 Thurmont are offered by USAA at $621. However, it can be as expensive as $2060 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Thurmont after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$621	$105
State Farm	$651	$110
Erie	$742	$125
Progressive	$904	$152
Travelers	$1202	$204
Nationwide	$1934	$322
Maryland Auto	$2035	$346
Allstate	$2060	$343

Car Insurance Price Trends in Thurmont, Maryland

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

The average cost of full coverage in the Thurmont rose by $191 in January compared to $181 of December. In other words, there has been an increase by $10 when you compare January and December.

The average cost of liability insurance in the Thurmont rose to $66 in January, compared to $65 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 Thurmont?

The car insurance in Thurmont is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Thurmont?

The cheapest car insurance in Thurmont is $107 per month for full coverage.

How much is car insurance in Thurmont for teenagers?

Car insurance for teenagers costs $379 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 Thurmont?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $172 per month to insure your car in Thurmont.

Is car insurance expensive in Thurmont?

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

Cheapest Car Insurance Quotes in Thurmont

Why you can trust Way?

How Much Is Car Insurance in Thurmont

Avg. Car Insurance in Thurmont

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Thurmont

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Thurmont Car Insurance Rates by Company

Cheap Car Insurance Companies in Thurmont, MD

Way's key takeaways about car insurance in Thurmont

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Thurmont

Cheapest Liability Coverage in Thurmont, MD

Cheapest Full Coverage Car Insurance in Thurmont

Cheapest Full Coverage Car Insurance Quotes in Thurmont, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Thurmont by Rating Factor

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

Car Insurance Premiums by Age in Thurmont

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Thurmont,MD

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

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 Thurmont

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

Thurmont Car Insurance Rates by Violation

Thurmont auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Thurmont after a DUI

Thurmont car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Thurmont after Speeding ticket

Car Insurance Price Trends in Thurmont, Maryland

Average Car Insurance Cost in Thurmont by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Thurmont, MD

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

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