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Westminster Car Insurance
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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.
The car insurance rate in the Westminster is $966, which is $51 lower than the state average. Kemper offers the cheapest insurance rates in the city at $706 for a six-month policy.
$966
$1017
$1146
At $706 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.
USAA offers auto insurance rates at $762 for a six-month policy, making it one of the cheapest to insure with.
Travelers offers auto insurance rates at $779 for six months, making it the third cheapest auto insurance company in Westminster.
Based on our research, the cheapest car insurance companies in Westminster MD include Kemper, offering $706 for a six-month policy. This is followed by USAA, with an average six-month premium of $762. Allstate is the most expensive, at $1806.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $706 | $118 |
| USAA | $762 | $128 |
| Travelers | $779 | $131 |
| State Farm | $812 | $137 |
| Nationwide | $875 | $147 |
| Erie | $914 | $154 |
| Progressive | $1078 | $181 |
| Allstate | $1806 | $304 |
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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 Westminster are given below.
USAA provides the cheapest minimum car insurance coverage in Westminster. Their Average 6 Month Premium is $288. Allstate is the most expensive at $988 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $288 | $48 |
| Travelers | $390 | $66 |
| Kemper | $401 | $67 |
| State Farm | $407 | $68 |
| Erie | $418 | $70 |
| Progressive | $474 | $80 |
| Nationwide | $491 | $83 |
| Allstate | $988 | $166 |
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 Westminster is Kemper at $118 per month and $706 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $706 | $118 |
| USAA | $762 | $128 |
| Travelers | $779 | $131 |
| State Farm | $812 | $137 |
| Nationwide | $875 | $147 |
| Erie | $914 | $154 |
| Progressive | $1078 | $181 |
| Allstate | $1806 | $304 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Westminster, 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, Westminster's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Travelers | $651 |
| 30s | Travelers | $555 |
| 40s | Travelers | $505 |
| 50s | Travelers | $478 |
| 60s | Travelers | $536 |
| 70s | USAA | $566 |
If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Westminster at $70 per month. At $7534 for a six-month premium, Allstate offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $424 | $70 |
| Erie | $1100 | $185 |
| Travelers | $1286 | $217 |
| USAA | $1377 | $232 |
| State Farm | $1868 | $314 |
| Progressive | $2376 | $400 |
| Nationwide | $3566 | $600 |
| Allstate | $7534 | $1268 |
Teen Car Insurance Rates in MD by Age
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.
For those with poor credit scores in Westminster, USAA is the cheapest car insurance provider. At $892 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 Westminster is State Farm, offering rates of around $3374 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $892 | $152 |
| Progressive | $920 | $155 |
| Nationwide | $1169 | $197 |
| Travelers | $1647 | $275 |
| Erie | $1935 | $329 |
| Allstate | $2635 | $439 |
| State Farm | $3374 | $574 |
Save up to $971/yr on car insurance rates in Westminster.
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 Westminster, MD, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Westminster include Encompass and Erie, offering $626 and $689, respectively. Allstate is an expensive provider with an average six-month premium of $3296.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Encompass | $626 | $105 |
| Erie | $689 | $116 |
| USAA | $785 | $132 |
| Travelers | $807 | $136 |
| State Farm | $869 | $146 |
| Progressive | $1163 | $196 |
| Nationwide | $1445 | $243 |
| Allstate | $3296 | $555 |
Here is a list of driving violations that can increase your car insurance rates in Westminster MD. For example, the car insurance in Westminster after a DUI increases to $1072 for a six month policy. While the rate increases by $248 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1140 | $190 |
| One Med/PIP claim | $1179 | $200 |
| Not-at-fault accident | $1225 | $204 |
| One comp claim | $1230 | $209 |
| Two Med/PIP claims | $1253 | $209 |
| Failure to wear a seat belt | $1292 | $219 |
| Failure to show documents | $1326 | $221 |
| Child safety restraint | $1338 | $227 |
| Two comp claims | $1338 | $223 |
| Driving with expired registration | $1371 | $233 |
| Cell phone violation | $1388 | $232 |
| Driving too slowly | $1388 | $236 |
| Failure to stop at a red light | $1388 | $232 |
| Failure to yield | $1388 | $236 |
| Following too closely | $1388 | $232 |
| Illegal turn | $1388 | $236 |
| Improper passing | $1388 | $232 |
| Speeding 11 - 15 MPH over limit | $1388 | $236 |
| Speeding 16 - 20 MPH over limit | $1388 | $232 |
| Speeding 6 - 10 MPH over limit | $1388 | $236 |
| Texting while driving | $1388 | $232 |
| Wrong way/wrong lane | $1388 | $236 |
| Speeding in school zone | $1405 | $235 |
| At-fault accident - less than $1000 | $1434 | $244 |
| Passing school bus | $1439 | $239 |
| Driving without lights | $1445 | $246 |
| Open container | $1451 | $241 |
| Operating a vehicle without permission | $1467 | $250 |
| Speeding 21 - 25 MPH over limit | $1518 | $253 |
| In 65 MPH zone | $1659 | $282 |
| At-fault accident - $1000-$2000 | $1710 | $285 |
| At-fault accident - greater than $2000 | $1710 | $291 |
| Reckless driving | $1952 | $326 |
| Racing | $2100 | $357 |
| Driving with a suspended license | $2133 | $355 |
| Refusal to submit to a chemical test | $2201 | $374 |
| DUI | $2212 | $369 |
| Leaving scene of an accident/hit and run | $2229 | $379 |
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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.
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 Westminster.
The cheapest car insurance premiums in Westminster are offered by Erie at $599 for a six-month policy. However, it can be as expensive as $2461 with companies like Nationwide.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Erie | $599 | $101 |
| Travelers | $875 | $147 |
| Progressive | $1140 | $192 |
| USAA | $1315 | $221 |
| State Farm | $1710 | $288 |
| Allstate | $1885 | $317 |
| Nationwide | $2461 | $414 |
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 Westminster are offered by State Farm at $536. However, it can be as expensive as $2303 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $536 | $90 |
| USAA | $610 | $102 |
| Erie | $711 | $120 |
| Progressive | $824 | $139 |
| Travelers | $1129 | $192 |
| Nationwide | $1603 | $267 |
| Allstate | $2303 | $391 |
Car insurance rates in Westminster have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Westminster remained steady at $202 in both August and July, indicating no change over the two month period.
The average cost of liability insurance in the Westminster remained steady at $73 in both August and July, indicating no change over the two month period.
How much is car insurance in Westminster?
The car insurance in Westminster is $48 per month, which is lower than the national average.
What is the cheapest car insurance in Westminster?
The cheapest car insurance in Westminster is $118 per month for full coverage.
How much is car insurance in Westminster for teenagers?
Car insurance for teenagers costs $424 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 Westminster?
The average cost of car insurance is $1017 for a six-month policy. It will cost around $162 per month to insure your car in Westminster.
Is car insurance expensive in Westminster?
Car insurance can be expensive in Westminster if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Westminster can be affordable.
What is the best car insurance in Westminster, MD?
The best car insurance company in Westminster MD is Kemper, offering $706 for a six-month policy.
Cut auto insurance costs in Westminster right now.