Cheapest Car Insurance Quotes in West Laurel

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West Laurel Car Insurance

^$ 55

/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 West Laurel

The car insurance rate in West Laurel is $1118 for a six-month policy, which is $102 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $817, making it a popular choice for budget-conscious drivers. Rates in West Laurel 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 West Laurel

$1118

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in West Laurel

1st place: Kemper

At $817 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $882 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 $902 for six months, making it the third cheapest auto insurance company in West Laurel.

West Laurel Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Laurel, MD is Kemper, offering policies at just $817 for a six-month term. This is followed by USAA, which has an average six-month premium of $882.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2091 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Laurel drivers find the best deals.

Cheap Car Insurance Companies in West Laurel, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$817	$139
USAA	$882	$149
State Farm	$902	$152
Travelers	$902	$152
Nationwide	$1045	$176
Erie	$1078	$182
Progressive	$1229	$207
Allstate	$2091	$352

Key Takeaways

Way's key takeaways about car insurance in West Laurel

The auto insurance costs in West Laurel fall around $817 for six months.
The cheapest auto insurance company in West Laurel is USAA.
Teen drivers pay the highest rate in West Laurel at $1469 per month.

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Cheapest Minimum Liability Car Insurance in West Laurel

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 West Laurel are given below.

USAA provides the cheapest minimum car insurance coverage in West Laurel. Their Average 6 Month Premium is $327. Allstate is the most expensive at $1144 for the same period.

Cheapest Liability Coverage in West Laurel, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$327	$55
Travelers	$451	$76
State Farm	$458	$77
Kemper	$464	$77
Erie	$484	$81
Progressive	$569	$96
Nationwide	$589	$99
Allstate	$1144	$193

Cheapest Full Coverage Car Insurance in West Laurel

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 West Laurel is Kemper at $139 per month and $817 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Laurel, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$817	$139
USAA	$882	$149
State Farm	$902	$152
Travelers	$902	$152
Nationwide	$1045	$176
Erie	$1078	$182
Progressive	$1229	$207
Allstate	$2091	$352

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Average Car Insurance in West Laurel 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 West Laurel, MD increasing?

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

Car Insurance Premiums by Age in West Laurel

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	$754
30s	Travelers	$642
40s	Travelers	$585
50s	Travelers	$553
60s	Travelers	$620
70s	USAA	$656

Cheapest Car Insurance Rates for Teen Drivers in West Laurel,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the West Laurel at $84 per month. At $8723 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$491	$84
Erie	$1274	$215
Travelers	$1489	$251
USAA	$1594	$268
State Farm	$2163	$364
Progressive	$2751	$463
Nationwide	$4129	$695
Allstate	$8723	$1469

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 West Laurel.

As young drivers face the highest rates in West Laurel, Travelers offers the cheapest auto insurance rates at $754 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 West Laurel, USAA is the cheapest car insurance provider. At $1033 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 West Laurel is State Farm, offering rates of around $3907 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1033	$172
Progressive	$1065	$179
Nationwide	$1353	$228
Travelers	$1907	$325
Erie	$2241	$374
Allstate	$3051	$519
State Farm	$3907	$651

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Car Insurance Rates with An Accident in West Laurel

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

Cheapest Car Insurance Companies after an At-Fault Accident in West Laurel

The cheapest car insurance companies after an at-fault accident in West Laurel include Erie and USAA, offering $811 and $922, respectively. Encompass is an expensive provider with an average six-month premium of $725.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$811	$136
USAA	$922	$155
Travelers	$934	$157
State Farm	$1007	$169
Progressive	$1222	$206
Nationwide	$1698	$286
Allstate	$3816	$642
Encompass	$725	$121

West Laurel Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Laurel MD. For example, the car insurance in West Laurel after a DUI increases to $1241 for a six month policy. While the rate increases by $287 for a six-month policy in the case of a speeding ticket.

West Laurel auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1320	$220
One Med/PIP claim	$1365	$232
Not-at-fault accident	$1418	$237
One comp claim	$1425	$242
Two Med/PIP claims	$1451	$242
Failure to wear a seat belt	$1496	$254
Failure to show documents	$1536	$256
Child safety restraint	$1549	$263
Two comp claims	$1549	$259
Driving with expired registration	$1587	$270
Cell phone violation	$1607	$268
Driving too slowly	$1607	$273
Failure to stop at a red light	$1607	$268
Failure to yield	$1607	$273
Following too closely	$1607	$268
Illegal turn	$1607	$273
Improper passing	$1607	$268
Speeding 11 - 15 MPH over limit	$1607	$273
Speeding 16 - 20 MPH over limit	$1607	$268
Speeding 6 - 10 MPH over limit	$1607	$273
Texting while driving	$1607	$268
Wrong way/wrong lane	$1607	$273
Speeding in school zone	$1627	$272
At-fault accident - less than $1000	$1660	$283
Passing school bus	$1667	$277
Driving without lights	$1673	$285
Open container	$1680	$279
Operating a vehicle without permission	$1698	$289
Speeding 21 - 25 MPH over limit	$1758	$293
In 65 MPH zone	$1921	$327
At-fault accident - $1000-$2000	$1980	$330
At-fault accident - greater than $2000	$1980	$337
Reckless driving	$2261	$377
Racing	$2431	$414
Driving with a suspended license	$2470	$411
Refusal to submit to a chemical test	$2549	$433
DUI	$2561	$427
Leaving scene of an accident/hit and run	$2581	$439

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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 West Laurel 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 West Laurel.

The cheapest car insurance premiums in West Laurel are offered by Erie at $693 for a six-month policy. However, it can be as expensive as $2849 with companies like Nationwide.

West Laurel car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$693	$117
Travelers	$1013	$171
Progressive	$1320	$222
USAA	$1522	$256
State Farm	$1980	$333
Allstate	$2182	$367
Nationwide	$2849	$480

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 West Laurel are offered by State Farm at $620. However, it can be as expensive as $2666 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in West Laurel after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$620	$105
USAA	$706	$120
Erie	$823	$139
Progressive	$954	$161
Travelers	$1307	$218
Nationwide	$1856	$316
Allstate	$2666	$444

Car Insurance Price Trends in West Laurel, Maryland

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

The average cost of full coverage in the West Laurel rose by $234 in December compared to $233 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 West Laurel remained steady at $85 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 West Laurel?

The car insurance in West Laurel is $55 per month, which is lower than the national average.

What is the cheapest car insurance in West Laurel?

The cheapest car insurance in West Laurel is $139 per month for full coverage.

How much is car insurance in West Laurel for teenagers?

Car insurance for teenagers costs $491 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 West Laurel?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $188 per month to insure your car in West Laurel.

Is car insurance expensive in West Laurel?

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

Cheapest Car Insurance Quotes in West Laurel

Why you can trust Way?

How Much Is Car Insurance in West Laurel

Avg. Car Insurance in West Laurel

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in West Laurel

1st place: Kemper

2nd place: USAA

3rd place: State Farm

West Laurel Car Insurance Rates by Company

Cheap Car Insurance Companies in West Laurel, MD

Way's key takeaways about car insurance in West Laurel

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Laurel

Cheapest Liability Coverage in West Laurel, MD

Cheapest Full Coverage Car Insurance in West Laurel

Cheapest Full Coverage Car Insurance Quotes in West Laurel, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Laurel by Rating Factor

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

Car Insurance Premiums by Age in West Laurel

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in West Laurel,MD

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

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 West Laurel

Cheapest Car Insurance Companies after an At-Fault Accident in West Laurel

West Laurel Car Insurance Rates by Violation

West Laurel auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Laurel after a DUI

West Laurel car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Laurel after Speeding ticket

Car Insurance Price Trends in West Laurel, Maryland

Average Car Insurance Cost in West Laurel by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Laurel, MD

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

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