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Westphalia 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 Westphalia is $1373, which is $356 higher than the state average. Kemper offers the cheapest insurance rates in the city at $1003 for a six-month policy.
$1373
$1017
$1146
At $1003 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.
USAA offers auto insurance rates at $1083 for a six-month policy, making it one of the cheapest to insure with.
Travelers offers auto insurance rates at $1107 for six months, making it the third cheapest auto insurance company in Westphalia.
Based on our research, the cheapest car insurance companies in Westphalia MD include Kemper, offering $1003 for a six-month policy. This is followed by USAA, with an average six-month premium of $1083. Allstate is the most expensive, at $2566.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $1003 | $167 |
| USAA | $1083 | $182 |
| Travelers | $1107 | $186 |
| State Farm | $1154 | $194 |
| Nationwide | $1243 | $209 |
| Erie | $1299 | $219 |
| Progressive | $1532 | $258 |
| Allstate | $2566 | $432 |
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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 Westphalia are given below.
USAA provides the cheapest minimum car insurance coverage in Westphalia. Their Average 6 Month Premium is $409. Allstate is the most expensive at $1404 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $409 | $69 |
| Travelers | $554 | $93 |
| Kemper | $570 | $95 |
| State Farm | $578 | $97 |
| Erie | $594 | $100 |
| Progressive | $674 | $113 |
| Nationwide | $698 | $117 |
| Allstate | $1404 | $236 |
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 $167 per month and $1003 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $1003 | $167 |
| USAA | $1083 | $182 |
| Travelers | $1107 | $186 |
| State Farm | $1154 | $194 |
| Nationwide | $1243 | $209 |
| Erie | $1299 | $219 |
| Progressive | $1532 | $258 |
| Allstate | $2566 | $432 |
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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 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.
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 | $925 |
| 30s | Travelers | $788 |
| 40s | Travelers | $718 |
| 50s | Travelers | $679 |
| 60s | Travelers | $761 |
| 70s | USAA | $805 |
If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Westphalia at $100 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 | $100 |
| 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
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 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 | $216 |
| Progressive | $1307 | $220 |
| Nationwide | $1661 | $279 |
| Travelers | $2341 | $390 |
| Erie | $2750 | $467 |
| Allstate | $3745 | $624 |
| State Farm | $4795 | $815 |
Save up to $971/yr on car insurance rates 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.
The cheapest car insurance companies after an at-fault accident in Westphalia include Encompass and Erie, offering $890 and $979, respectively. Allstate is an expensive provider with an average six-month premium of $4683.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Encompass | $890 | $149 |
| Erie | $979 | $165 |
| USAA | $1115 | $188 |
| Travelers | $1146 | $193 |
| State Farm | $1235 | $208 |
| Progressive | $1652 | $278 |
| Nationwide | $2053 | $346 |
| Allstate | $4683 | $788 |
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.
| 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 |
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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 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.
| 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 |
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.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $761 | $128 |
| USAA | $867 | $144 |
| Erie | $1010 | $170 |
| Progressive | $1170 | $197 |
| Travelers | $1604 | $273 |
| Nationwide | $2277 | $379 |
| Allstate | $3272 | $556 |
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 remained steady at $288 in both August and July, indicating no change over the two month period.
The average cost of liability insurance in the Westphalia remained steady at $104 in both August and July, indicating no change over the two month period.
How much is car insurance in Westphalia?
The car insurance in Westphalia is $69 per month, which is lower than the national average.
What is the cheapest car insurance in Westphalia?
The cheapest car insurance in Westphalia is $167 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 $1017 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.
What is the best car insurance in Westphalia, MD?
The best car insurance company in Westphalia MD is Kemper, offering $1003 for a six-month policy.
Cut auto insurance costs in Westphalia right now.