Cheapest Car Insurance Quotes in West Ocean City

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West Ocean City Car Insurance

^$ 41

/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 Ocean City

The car insurance rate in West Ocean City is $823 for a six-month policy, which is $193 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $602, making it a popular choice for budget-conscious drivers. Rates in West Ocean City 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 Ocean City

$823

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in West Ocean City

1st place: Kemper

At $602 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $650 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 $664 for six months, making it the third cheapest auto insurance company in West Ocean City.

West Ocean City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Ocean City, MD is Kemper, offering policies at just $602 for a six-month term. This is followed by USAA, which has an average six-month premium of $650.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1540 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Ocean City drivers find the best deals.

Cheap Car Insurance Companies in West Ocean City, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$602	$102
USAA	$650	$109
State Farm	$664	$112
Travelers	$664	$112
Nationwide	$770	$130
Erie	$794	$134
Progressive	$905	$152
Allstate	$1540	$259

Key Takeaways

Way's key takeaways about car insurance in West Ocean City

The auto insurance costs in West Ocean City fall around $602 for six months.
The cheapest auto insurance company in West Ocean City is USAA.
Teen drivers pay the highest rate in West Ocean City at $1081 per month.

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Cheapest Minimum Liability Car Insurance in West Ocean City

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 Ocean City are given below.

USAA provides the cheapest minimum car insurance coverage in West Ocean City. Their Average 6 Month Premium is $241. Allstate is the most expensive at $842 for the same period.

Cheapest Liability Coverage in West Ocean City, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$241	$41
Travelers	$332	$56
State Farm	$337	$57
Kemper	$342	$57
Erie	$356	$60
Progressive	$419	$70
Nationwide	$433	$73
Allstate	$842	$142

Cheapest Full Coverage Car Insurance in West Ocean City

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 Ocean City is Kemper at $102 per month and $602 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Ocean City, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$602	$102
USAA	$650	$109
State Farm	$664	$112
Travelers	$664	$112
Nationwide	$770	$130
Erie	$794	$134
Progressive	$905	$152
Allstate	$1540	$259

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Average Car Insurance in West Ocean City 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 Ocean City, MD increasing?

Despite maintaining a clean driving record, your car insurance rates in West Ocean City, 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 Ocean City'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 Ocean City

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	$555
30s	Travelers	$473
40s	Travelers	$431
50s	Travelers	$407
60s	Travelers	$457
70s	USAA	$483

Cheapest Car Insurance Rates for Teen Drivers in West Ocean City,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the West Ocean City at $62 per month. At $6423 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$361	$62
Erie	$938	$158
Travelers	$1097	$185
USAA	$1174	$198
State Farm	$1592	$268
Progressive	$2026	$341
Nationwide	$3041	$512
Allstate	$6423	$1081

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 Ocean City.

As young drivers face the highest rates in West Ocean City, Travelers offers the cheapest auto insurance rates at $555 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 Ocean City, USAA is the cheapest car insurance provider. At $761 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 Ocean City is State Farm, offering rates of around $2877 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$761	$126
Progressive	$784	$132
Nationwide	$996	$168
Travelers	$1405	$239
Erie	$1650	$275
Allstate	$2247	$382
State Farm	$2877	$480

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Car Insurance Rates with An Accident in West Ocean City

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

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

The cheapest car insurance companies after an at-fault accident in West Ocean City include Erie and USAA, offering $597 and $679, respectively. Encompass is an expensive provider with an average six-month premium of $534.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$597	$100
USAA	$679	$114
Travelers	$688	$116
State Farm	$741	$125
Progressive	$900	$151
Nationwide	$1251	$211
Allstate	$2810	$473
Encompass	$534	$89

West Ocean City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Ocean City MD. For example, the car insurance in West Ocean City after a DUI increases to $914 for a six month policy. While the rate increases by $211 for a six-month policy in the case of a speeding ticket.

West Ocean City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$972	$162
One Med/PIP claim	$1005	$171
Not-at-fault accident	$1044	$174
One comp claim	$1049	$178
Two Med/PIP claims	$1068	$178
Failure to wear a seat belt	$1102	$187
Failure to show documents	$1131	$189
Child safety restraint	$1140	$194
Two comp claims	$1140	$190
Driving with expired registration	$1169	$198
Cell phone violation	$1183	$198
Driving too slowly	$1183	$201
Failure to stop at a red light	$1183	$198
Failure to yield	$1183	$201
Following too closely	$1183	$198
Illegal turn	$1183	$201
Improper passing	$1183	$198
Speeding 11 - 15 MPH over limit	$1183	$201
Speeding 16 - 20 MPH over limit	$1183	$198
Speeding 6 - 10 MPH over limit	$1183	$201
Texting while driving	$1183	$198
Wrong way/wrong lane	$1183	$201
Speeding in school zone	$1198	$200
At-fault accident - less than $1000	$1222	$208
Passing school bus	$1227	$204
Driving without lights	$1232	$210
Open container	$1237	$206
Operating a vehicle without permission	$1251	$213
Speeding 21 - 25 MPH over limit	$1294	$215
In 65 MPH zone	$1414	$241
At-fault accident - $1000-$2000	$1458	$243
At-fault accident - greater than $2000	$1458	$248
Reckless driving	$1665	$278
Racing	$1790	$305
Driving with a suspended license	$1818	$303
Refusal to submit to a chemical test	$1877	$319
DUI	$1886	$314
Leaving scene of an accident/hit and run	$1900	$323

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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 Ocean City 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 Ocean City.

The cheapest car insurance premiums in West Ocean City are offered by Erie at $510 for a six-month policy. However, it can be as expensive as $2098 with companies like Nationwide.

West Ocean City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$510	$86
Travelers	$746	$126
Progressive	$972	$164
USAA	$1121	$189
State Farm	$1458	$245
Allstate	$1607	$271
Nationwide	$2098	$353

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 Ocean City are offered by State Farm at $457. However, it can be as expensive as $1963 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in West Ocean City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$457	$77
USAA	$520	$88
Erie	$606	$102
Progressive	$702	$118
Travelers	$962	$160
Nationwide	$1366	$232
Allstate	$1963	$327

Car Insurance Price Trends in West Ocean City, Maryland

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

The average cost of full coverage in the West Ocean City rose by $173 in December compared to $172 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 Ocean City remained steady at $62 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 Ocean City?

The car insurance in West Ocean City is $41 per month, which is lower than the national average.

What is the cheapest car insurance in West Ocean City?

The cheapest car insurance in West Ocean City is $102 per month for full coverage.

How much is car insurance in West Ocean City for teenagers?

Car insurance for teenagers costs $361 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 Ocean City?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $139 per month to insure your car in West Ocean City.

Is car insurance expensive in West Ocean City?

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

Cheapest Car Insurance Quotes in West Ocean City

Why you can trust Way?

How Much Is Car Insurance in West Ocean City

Avg. Car Insurance in West Ocean City

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in West Ocean City

1st place: Kemper

2nd place: USAA

3rd place: State Farm

West Ocean City Car Insurance Rates by Company

Cheap Car Insurance Companies in West Ocean City, MD

Way's key takeaways about car insurance in West Ocean City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Ocean City

Cheapest Liability Coverage in West Ocean City, MD

Cheapest Full Coverage Car Insurance in West Ocean City

Cheapest Full Coverage Car Insurance Quotes in West Ocean City, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Ocean City by Rating Factor

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

Car Insurance Premiums by Age in West Ocean City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in West Ocean City,MD

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

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 Ocean City

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

West Ocean City Car Insurance Rates by Violation

West Ocean City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Ocean City after a DUI

West Ocean City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Ocean City after Speeding ticket

Car Insurance Price Trends in West Ocean City, Maryland

Average Car Insurance Cost in West Ocean City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Ocean City, MD

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

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