Cheapest Car Insurance Quotes in White Marsh

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White Marsh Car Insurance

^$ 61

/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 White Marsh

The car insurance rate in White Marsh is $1445 for a six-month policy, which is $241 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $892, making it a popular choice for budget-conscious drivers. Rates in White Marsh 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 White Marsh

$1445

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in White Marsh

1st place: Kemper

At $892 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $984 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1026 for six months, making it the third cheapest auto insurance company in White Marsh.

White Marsh Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in White Marsh, MD is Kemper, offering policies at just $892 for a six-month term. This is followed by USAA, which has an average six-month premium of $984.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2873 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help White Marsh drivers find the best deals.

Cheap Car Insurance Companies in White Marsh, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$892	$151
USAA	$984	$166
Travelers	$1026	$173
State Farm	$1133	$191
Erie	$1226	$206
Nationwide	$1234	$208
Progressive	$1462	$246
Allstate	$2174	$362
Maryland Auto	$2873	$488

Key Takeaways

Way's key takeaways about car insurance in White Marsh

The auto insurance costs in White Marsh fall around $892 for six months.
The cheapest auto insurance company in White Marsh is USAA.
Teen drivers pay the highest rate in White Marsh at $1487 per month.

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Cheapest Minimum Liability Car Insurance in White Marsh

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 White Marsh are given below.

USAA provides the cheapest minimum car insurance coverage in White Marsh. Their Average 6 Month Premium is $364. Allstate is the most expensive at $1140 for the same period.

Cheapest Liability Coverage in White Marsh, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$364	$61
Travelers	$485	$82
Kemper	$506	$84
Erie	$535	$90
State Farm	$541	$91
Nationwide	$677	$114
Progressive	$698	$118
Maryland Auto	$998	$169
Allstate	$1140	$190

Cheapest Full Coverage Car Insurance in White Marsh

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 White Marsh is Kemper at $151 per month and $892 for six months.

Cheapest Full Coverage Car Insurance Quotes in White Marsh, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$892	$151
USAA	$984	$166
Travelers	$1026	$173
State Farm	$1133	$191
Erie	$1226	$206
Nationwide	$1234	$208
Progressive	$1462	$246
Allstate	$2174	$362
Maryland Auto	$2873	$488

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Average Car Insurance in White Marsh 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 White Marsh, MD increasing?

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

Car Insurance Premiums by Age in White Marsh

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

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Cheapest Car Insurance Rates for Teen Drivers in White Marsh,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the White Marsh at $89 per month. At $8924 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$535	$89
Erie	$1668	$281
Travelers	$1775	$299
USAA	$1818	$306
State Farm	$2708	$456
Progressive	$3186	$536
Maryland Auto	$4861	$810
Nationwide	$5317	$895
Allstate	$8924	$1487

Teen Car Insurance Rates in MD by Age

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 White Marsh, USAA is the cheapest car insurance provider. At $1283 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 White Marsh is Allstate, offering rates of around $3329 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1283	$214
Progressive	$1433	$241
Nationwide	$1867	$314
Travelers	$2410	$409
Maryland Auto	$2873	$479
Erie	$3030	$515
State Farm	$6580	$1097
Allstate	$3329	$566

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Car Insurance Rates with An Accident in White Marsh

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

Cheapest Car Insurance Companies after an At-Fault Accident in White Marsh

The cheapest car insurance companies after an at-fault accident in White Marsh include Erie and USAA, offering $1019 and $1040, respectively. Allstate is an expensive provider with an average six-month premium of $3928.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1019	$172
USAA	$1040	$175
Travelers	$1098	$185
State Farm	$1234	$208
Progressive	$1469	$247
Nationwide	$2146	$361
Maryland Auto	$3756	$626
Allstate	$3928	$668

White Marsh Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in White Marsh MD. For example, the car insurance in White Marsh after a DUI increases to $1354 for a six month policy. While the rate increases by $313 for a six-month policy in the case of a speeding ticket.

White Marsh auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1440	$240
One Med/PIP claim	$1489	$253
Not-at-fault accident	$1547	$258
One comp claim	$1554	$264
Two Med/PIP claims	$1583	$264
Failure to wear a seat belt	$1632	$277
Failure to show documents	$1675	$280
Child safety restraint	$1690	$287
Two comp claims	$1690	$282
Driving with expired registration	$1732	$294
Cell phone violation	$1753	$293
Driving too slowly	$1753	$298
Failure to stop at a red light	$1753	$293
Failure to yield	$1753	$298
Following too closely	$1753	$293
Illegal turn	$1753	$298
Improper passing	$1753	$293
Speeding 11 - 15 MPH over limit	$1753	$298
Speeding 16 - 20 MPH over limit	$1753	$293
Speeding 6 - 10 MPH over limit	$1753	$298
Texting while driving	$1753	$293
Wrong way/wrong lane	$1753	$298
Speeding in school zone	$1775	$296
At-fault accident - less than $1000	$1811	$308
Passing school bus	$1818	$302
Driving without lights	$1825	$311
Open container	$1832	$305
Operating a vehicle without permission	$1853	$316
Speeding 21 - 25 MPH over limit	$1918	$319
In 65 MPH zone	$2095	$356
At-fault accident - $1000-$2000	$2160	$360
At-fault accident - greater than $2000	$2160	$367
Reckless driving	$2466	$412
Racing	$2652	$451
Driving with a suspended license	$2694	$449
Refusal to submit to a chemical test	$2780	$473
DUI	$2794	$466
Leaving scene of an accident/hit and run	$2815	$479

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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 White Marsh 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 White Marsh.

The cheapest car insurance premiums in White Marsh are offered by Erie at $856 for a six-month policy. However, it can be as expensive as $4226 with companies like Maryland Auto.

White Marsh car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$856	$144
Travelers	$1176	$198
Progressive	$1583	$266
USAA	$1732	$292
Allstate	$2274	$379
State Farm	$2708	$456
Nationwide	$3707	$624
Maryland Auto	$4226	$719

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 White Marsh are offered by USAA at $877. However, it can be as expensive as $2909 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in White Marsh after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$877	$149
State Farm	$919	$155
Erie	$1048	$176
Progressive	$1276	$215
Travelers	$1697	$288
Nationwide	$2730	$455
Maryland Auto	$2873	$488
Allstate	$2909	$485

Car Insurance Price Trends in White Marsh, Maryland

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

The average cost of full coverage in the White Marsh rose by $270 in January compared to $256 of December. In other words, there has been an increase by $14 when you compare January and December.

The average cost of liability insurance in the White Marsh rose to $94 in January, compared to $92 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in White Marsh?

The car insurance in White Marsh is $61 per month, which is lower than the national average.

What is the cheapest car insurance in White Marsh?

The cheapest car insurance in White Marsh is $151 per month for full coverage.

How much is car insurance in White Marsh for teenagers?

Car insurance for teenagers costs $535 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 White Marsh?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $242 per month to insure your car in White Marsh.

Is car insurance expensive in White Marsh?

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

Cheapest Car Insurance Quotes in White Marsh

Why you can trust Way?

How Much Is Car Insurance in White Marsh

Avg. Car Insurance in White Marsh

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in White Marsh

1st place: Kemper

2nd place: USAA

3rd place: Travelers

White Marsh Car Insurance Rates by Company

Cheap Car Insurance Companies in White Marsh, MD

Way's key takeaways about car insurance in White Marsh

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in White Marsh

Cheapest Liability Coverage in White Marsh, MD

Cheapest Full Coverage Car Insurance in White Marsh

Cheapest Full Coverage Car Insurance Quotes in White Marsh, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in White Marsh by Rating Factor

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

Car Insurance Premiums by Age in White Marsh

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in White Marsh,MD

If you are in your twenties N/A is the best choice for car insurance in White Marsh.

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 White Marsh

Cheapest Car Insurance Companies after an At-Fault Accident in White Marsh

White Marsh Car Insurance Rates by Violation

White Marsh auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in White Marsh after a DUI

White Marsh car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in White Marsh after Speeding ticket

Car Insurance Price Trends in White Marsh, Maryland

Average Car Insurance Cost in White Marsh by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near White Marsh, MD

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

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