Cheapest Car Insurance Quotes in Waldorf

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Waldorf 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 Waldorf

The car insurance rate in Waldorf is $1385 for a six-month policy, which is $181 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $854, making it a popular choice for budget-conscious drivers. Rates in Waldorf 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 Waldorf

$1385

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Waldorf

1st place: Kemper

At $854 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $943 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $983 for six months, making it the third cheapest auto insurance company in Waldorf.

Waldorf Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Waldorf, MD is Kemper, offering policies at just $854 for a six-month term. This is followed by USAA, which has an average six-month premium of $943.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2753 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Waldorf drivers find the best deals.

Cheap Car Insurance Companies in Waldorf, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$854	$145
USAA	$943	$159
Travelers	$983	$166
State Farm	$1086	$183
Erie	$1175	$198
Nationwide	$1182	$199
Progressive	$1401	$236
Allstate	$2084	$347
Maryland Auto	$2753	$468

Key Takeaways

Way's key takeaways about car insurance in Waldorf

The auto insurance costs in Waldorf fall around $854 for six months.
The cheapest auto insurance company in Waldorf is USAA.
Teen drivers pay the highest rate in Waldorf at $1425 per month.

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Cheapest Minimum Liability Car Insurance in Waldorf

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 Waldorf are given below.

USAA provides the cheapest minimum car insurance coverage in Waldorf. Their Average 6 Month Premium is $348. Allstate is the most expensive at $1093 for the same period.

Cheapest Liability Coverage in Waldorf, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$348	$59
Travelers	$465	$78
Kemper	$485	$81
Erie	$513	$86
State Farm	$519	$87
Nationwide	$649	$109
Progressive	$669	$113
Maryland Auto	$957	$162
Allstate	$1093	$182

Cheapest Full Coverage Car Insurance in Waldorf

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 Waldorf is Kemper at $145 per month and $854 for six months.

Cheapest Full Coverage Car Insurance Quotes in Waldorf, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$854	$145
USAA	$943	$159
Travelers	$983	$166
State Farm	$1086	$183
Erie	$1175	$198
Nationwide	$1182	$199
Progressive	$1401	$236
Allstate	$2084	$347
Maryland Auto	$2753	$468

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Average Car Insurance in Waldorf 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 Waldorf, MD increasing?

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

Car Insurance Premiums by Age in Waldorf

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 Waldorf,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Waldorf at $85 per month. At $8553 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$513	$85
Erie	$1598	$269
Travelers	$1701	$286
USAA	$1742	$293
State Farm	$2596	$437
Progressive	$3053	$514
Maryland Auto	$4659	$776
Nationwide	$5096	$858
Allstate	$8553	$1425

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 Waldorf, USAA is the cheapest car insurance provider. At $1229 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 Waldorf is Allstate, offering rates of around $3190 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1229	$205
Progressive	$1373	$231
Nationwide	$1789	$301
Travelers	$2309	$392
Maryland Auto	$2753	$459
Erie	$2904	$493
State Farm	$6305	$1051
Allstate	$3190	$543

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Car Insurance Rates with An Accident in Waldorf

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

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

The cheapest car insurance companies after an at-fault accident in Waldorf include Erie and USAA, offering $976 and $997, respectively. Allstate is an expensive provider with an average six-month premium of $3764.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$976	$164
USAA	$997	$168
Travelers	$1052	$177
State Farm	$1182	$199
Progressive	$1408	$237
Nationwide	$2056	$346
Maryland Auto	$3599	$600
Allstate	$3764	$641

Waldorf Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Waldorf MD. For example, the car insurance in Waldorf after a DUI increases to $1297 for a six month policy. While the rate increases by $300 for a six-month policy in the case of a speeding ticket.

Waldorf auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1380	$230
One Med/PIP claim	$1427	$243
Not-at-fault accident	$1482	$247
One comp claim	$1489	$253
Two Med/PIP claims	$1517	$253
Failure to wear a seat belt	$1564	$266
Failure to show documents	$1605	$268
Child safety restraint	$1619	$275
Two comp claims	$1619	$270
Driving with expired registration	$1659	$282
Cell phone violation	$1680	$281
Driving too slowly	$1680	$285
Failure to stop at a red light	$1680	$281
Failure to yield	$1680	$285
Following too closely	$1680	$281
Illegal turn	$1680	$285
Improper passing	$1680	$281
Speeding 11 - 15 MPH over limit	$1680	$285
Speeding 16 - 20 MPH over limit	$1680	$281
Speeding 6 - 10 MPH over limit	$1680	$285
Texting while driving	$1680	$281
Wrong way/wrong lane	$1680	$285
Speeding in school zone	$1701	$284
At-fault accident - less than $1000	$1735	$296
Passing school bus	$1742	$290
Driving without lights	$1749	$298
Open container	$1756	$292
Operating a vehicle without permission	$1776	$302
Speeding 21 - 25 MPH over limit	$1838	$306
In 65 MPH zone	$2008	$342
At-fault accident - $1000-$2000	$2070	$345
At-fault accident - greater than $2000	$2070	$352
Reckless driving	$2363	$394
Racing	$2542	$432
Driving with a suspended license	$2582	$430
Refusal to submit to a chemical test	$2665	$453
DUI	$2677	$446
Leaving scene of an accident/hit and run	$2698	$459

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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 Waldorf 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 Waldorf.

The cheapest car insurance premiums in Waldorf are offered by Erie at $820 for a six-month policy. However, it can be as expensive as $4050 with companies like Maryland Auto.

Waldorf car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$820	$138
Travelers	$1127	$190
Progressive	$1517	$255
USAA	$1659	$279
Allstate	$2179	$363
State Farm	$2596	$437
Nationwide	$3552	$598
Maryland Auto	$4050	$689

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 Waldorf are offered by USAA at $841. However, it can be as expensive as $2788 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Waldorf after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$841	$143
State Farm	$881	$148
Erie	$1004	$169
Progressive	$1222	$206
Travelers	$1626	$276
Nationwide	$2616	$436
Maryland Auto	$2753	$468
Allstate	$2788	$465

Car Insurance Price Trends in Waldorf, Maryland

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

The average cost of full coverage in the Waldorf rose by $259 in January compared to $245 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 Waldorf 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 Waldorf?

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

What is the cheapest car insurance in Waldorf?

The cheapest car insurance in Waldorf is $145 per month for full coverage.

How much is car insurance in Waldorf for teenagers?

Car insurance for teenagers costs $513 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 Waldorf?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $232 per month to insure your car in Waldorf.

Is car insurance expensive in Waldorf?

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

Cheapest Car Insurance Quotes in Waldorf

Why you can trust Way?

How Much Is Car Insurance in Waldorf

Avg. Car Insurance in Waldorf

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Waldorf

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Waldorf Car Insurance Rates by Company

Cheap Car Insurance Companies in Waldorf, MD

Way's key takeaways about car insurance in Waldorf

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Waldorf

Cheapest Liability Coverage in Waldorf, MD

Cheapest Full Coverage Car Insurance in Waldorf

Cheapest Full Coverage Car Insurance Quotes in Waldorf, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Waldorf by Rating Factor

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

Car Insurance Premiums by Age in Waldorf

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Waldorf,MD

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

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 Waldorf

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

Waldorf Car Insurance Rates by Violation

Waldorf auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Waldorf after a DUI

Waldorf car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Waldorf after Speeding ticket

Car Insurance Price Trends in Waldorf, Maryland

Average Car Insurance Cost in Waldorf by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Waldorf, MD

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

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