Cheapest Car Insurance Quotes in Westphalia

Finding the cheapest car insurance quotes in Westphalia shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Westphalia Car Insurance

^$ 68

/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 Westphalia

The car insurance rate in Westphalia is $1372 for a six-month policy, which is $356 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1003, making it a popular choice for budget-conscious drivers. Rates in Westphalia 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 Westphalia

$1372

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Westphalia

1st place: Kemper

At $1003 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1083 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 $1107 for six months, making it the third cheapest auto insurance company in Westphalia.

Westphalia Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Westphalia, MD is Kemper, offering policies at just $1003 for a six-month term. This is followed by USAA, which has an average six-month premium of $1083.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2566 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Westphalia drivers find the best deals.

Cheap Car Insurance Companies in Westphalia, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1003	$170
USAA	$1083	$182
State Farm	$1107	$186
Travelers	$1107	$186
Nationwide	$1283	$216
Erie	$1323	$223
Progressive	$1508	$254
Allstate	$2566	$432

Key Takeaways

Way's key takeaways about car insurance in Westphalia

The auto insurance costs in Westphalia fall around $1003 for six months.
The cheapest auto insurance company in Westphalia is USAA.
Teen drivers pay the highest rate in Westphalia at $1802 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Westphalia

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 Westphalia are given below.

USAA provides the cheapest minimum car insurance coverage in Westphalia. Their Average 6 Month Premium is $401. Allstate is the most expensive at $1404 for the same period.

Cheapest Liability Coverage in Westphalia, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$401	$68
Travelers	$554	$93
State Farm	$562	$95
Kemper	$570	$95
Erie	$594	$100
Progressive	$698	$117
Nationwide	$722	$122
Allstate	$1404	$236

Cheapest Full Coverage Car Insurance in Westphalia

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 Westphalia is Kemper at $170 per month and $1003 for six months.

Cheapest Full Coverage Car Insurance Quotes in Westphalia, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1003	$170
USAA	$1083	$182
State Farm	$1107	$186
Travelers	$1107	$186
Nationwide	$1283	$216
Erie	$1323	$223
Progressive	$1508	$254
Allstate	$2566	$432

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Westphalia Instantly!

Average Car Insurance in Westphalia 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 Westphalia, MD increasing?

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

Car Insurance Premiums by Age in Westphalia

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	$925
30s	Travelers	$788
40s	Travelers	$718
50s	Travelers	$679
60s	Travelers	$761
70s	USAA	$805

Cheapest Car Insurance Rates for Teen Drivers in Westphalia,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Westphalia at $103 per month. At $10706 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$602	$103
Erie	$1563	$263
Travelers	$1828	$308
USAA	$1956	$329
State Farm	$2654	$447
Progressive	$3376	$568
Nationwide	$5068	$853
Allstate	$10706	$1802

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 Westphalia.

As young drivers face the highest rates in Westphalia, Travelers offers the cheapest auto insurance rates at $925 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 Westphalia, USAA is the cheapest car insurance provider. At $1268 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 Westphalia is State Farm, offering rates of around $4795 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1268	$211
Progressive	$1307	$220
Nationwide	$1661	$279
Travelers	$2341	$398
Erie	$2750	$459
Allstate	$3745	$637
State Farm	$4795	$799

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Westphalia.

Car Insurance Rates with An Accident in Westphalia

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

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

The cheapest car insurance companies after an at-fault accident in Westphalia include Erie and USAA, offering $995 and $1131, respectively. Encompass is an expensive provider with an average six-month premium of $890.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$995	$167
USAA	$1131	$190
Travelers	$1146	$193
State Farm	$1235	$208
Progressive	$1500	$252
Nationwide	$2084	$351
Allstate	$4683	$788
Encompass	$890	$149

Westphalia Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Westphalia MD. For example, the car insurance in Westphalia after a DUI increases to $1523 for a six month policy. While the rate increases by $352 for a six-month policy in the case of a speeding ticket.

Westphalia auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1620	$270
One Med/PIP claim	$1675	$285
Not-at-fault accident	$1740	$290
One comp claim	$1748	$297
Two Med/PIP claims	$1781	$297
Failure to wear a seat belt	$1836	$312
Failure to show documents	$1885	$315
Child safety restraint	$1901	$323
Two comp claims	$1901	$317
Driving with expired registration	$1948	$331
Cell phone violation	$1972	$329
Driving too slowly	$1972	$335
Failure to stop at a red light	$1972	$329
Failure to yield	$1972	$335
Following too closely	$1972	$329
Illegal turn	$1972	$335
Improper passing	$1972	$329
Speeding 11 - 15 MPH over limit	$1972	$335
Speeding 16 - 20 MPH over limit	$1972	$329
Speeding 6 - 10 MPH over limit	$1972	$335
Texting while driving	$1972	$329
Wrong way/wrong lane	$1972	$335
Speeding in school zone	$1997	$333
At-fault accident - less than $1000	$2037	$347
Passing school bus	$2045	$340
Driving without lights	$2053	$350
Open container	$2061	$343
Operating a vehicle without permission	$2084	$355
Speeding 21 - 25 MPH over limit	$2157	$359
In 65 MPH zone	$2357	$401
At-fault accident - $1000-$2000	$2430	$405
At-fault accident - greater than $2000	$2430	$413
Reckless driving	$2774	$463
Racing	$2984	$508
Driving with a suspended license	$3031	$505
Refusal to submit to a chemical test	$3128	$532
DUI	$3143	$524
Leaving scene of an accident/hit and run	$3167	$539

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Westphalia 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 Westphalia.

The cheapest car insurance premiums in Westphalia are offered by Erie at $851 for a six-month policy. However, it can be as expensive as $3497 with companies like Nationwide.

Westphalia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$851	$143
Travelers	$1243	$209
Progressive	$1620	$273
USAA	$1868	$315
State Farm	$2430	$409
Allstate	$2678	$451
Nationwide	$3497	$589

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 Westphalia are offered by State Farm at $761. However, it can be as expensive as $3272 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Westphalia after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$761	$128
USAA	$867	$147
Erie	$1010	$170
Progressive	$1170	$197
Travelers	$1604	$267
Nationwide	$2277	$387
Allstate	$3272	$545

Car Insurance Price Trends in Westphalia, Maryland

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

The average cost of full coverage in the Westphalia rose by $288 in December compared to $286 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Westphalia remained steady at $104 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Westphalia?

The car insurance in Westphalia is $68 per month, which is lower than the national average.

What is the cheapest car insurance in Westphalia?

The cheapest car insurance in Westphalia is $170 per month for full coverage.

How much is car insurance in Westphalia for teenagers?

Car insurance for teenagers costs $602 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 Westphalia?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $231 per month to insure your car in Westphalia.

Is car insurance expensive in Westphalia?

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

Cheapest Car Insurance Quotes in Westphalia

Why you can trust Way?

How Much Is Car Insurance in Westphalia

Avg. Car Insurance in Westphalia

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Westphalia

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Westphalia Car Insurance Rates by Company

Cheap Car Insurance Companies in Westphalia, MD

Way's key takeaways about car insurance in Westphalia

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Westphalia

Cheapest Liability Coverage in Westphalia, MD

Cheapest Full Coverage Car Insurance in Westphalia

Cheapest Full Coverage Car Insurance Quotes in Westphalia, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Westphalia by Rating Factor

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

Car Insurance Premiums by Age in Westphalia

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Westphalia,MD

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

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 Westphalia

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

Westphalia Car Insurance Rates by Violation

Westphalia auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Westphalia after a DUI

Westphalia car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Westphalia after Speeding ticket

Car Insurance Price Trends in Westphalia, Maryland

Average Car Insurance Cost in Westphalia by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Westphalia, MD

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

Featured Blogs

Data Sources