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Finding the cheapest car insurance quotes in Whiteford 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.
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 Whiteford
The car insurance rate in Whiteford is $1026 for a six-month policy, which is $10 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $750, making it a popular choice for budget-conscious drivers. Rates in Whiteford 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.
At $750 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $810 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 $828
for six months, making it
the third cheapest auto insurance company in Whiteford.
Whiteford Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Whiteford, MD is Kemper, offering policies at just $750 for a six-month term. This is followed by USAA, which has an average six-month premium of $810.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1920 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Whiteford drivers find the best deals.
Way's key takeaways about car insurance in Whiteford
The auto insurance costs in Whiteford fall around $750 for six
months.
The cheapest auto insurance company in Whiteford is USAA.
Teen drivers pay the highest rate in Whiteford at $1348 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 Whiteford
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 Whiteford are given below.
USAA provides
the cheapest minimum car insurance
coverage in Whiteford. Their Average 6 Month Premium is $300.
Allstate is the most
expensive at $1050 for the same
period.
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 Whiteford is Kemper
at $127 per month and $750
for six months.
Cheapest Full Coverage Car Insurance Quotes in Whiteford,
MD
Get Your Car Insurance Quote in Whiteford
Instantly!
Average Car Insurance in Whiteford 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 Whiteford, MD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Whiteford, 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, Whiteford's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Whiteford
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
$692
30s
Travelers
$590
40s
Travelers
$537
50s
Travelers
$508
60s
Travelers
$570
70s
USAA
$602
Cheapest Car Insurance Rates for Teen Drivers in
Whiteford,MD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Whiteford at $77
per
month. At $8009 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Whiteford.
As young drivers face the highest rates in Whiteford, Travelers
offers the cheapest auto insurance rates at $692 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 Whiteford,
USAA is
the cheapest car insurance provider. At $948 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
Whiteford is State Farm, offering
rates of around $3588 for six
months.
Save up to $971/yr on car insurance rates in Whiteford.
Car Insurance Rates with An Accident in Whiteford
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 Whiteford, MD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Whiteford
The cheapest car insurance companies after an at-fault accident in
Whiteford include Erie
and USAA, offering $744
and $846,
respectively. Encompass is an expensive provider
with an average six-month premium of
$666.
Here is a list of driving violations that can increase your car
insurance rates in Whiteford MD. For example, the car
insurance in Whiteford
after a DUI increases to $1139 for a six
month policy. While the rate increases by $264 for a six-month policy in the case of
a speeding ticket.
Whiteford auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1212
$202
One Med/PIP claim
$1253
$213
Not-at-fault accident
$1302
$217
One comp claim
$1308
$222
Two Med/PIP claims
$1332
$222
Failure to wear a seat belt
$1374
$233
Failure to show documents
$1410
$235
Child safety restraint
$1422
$241
Two comp claims
$1422
$237
Driving with expired registration
$1457
$247
Cell phone violation
$1476
$246
Driving too slowly
$1476
$250
Failure to stop at a red light
$1476
$246
Failure to yield
$1476
$250
Following too closely
$1476
$246
Illegal turn
$1476
$250
Improper passing
$1476
$246
Speeding 11 - 15 MPH over limit
$1476
$250
Speeding 16 - 20 MPH over limit
$1476
$246
Speeding 6 - 10 MPH over limit
$1476
$250
Texting while driving
$1476
$246
Wrong way/wrong lane
$1476
$250
Speeding in school zone
$1494
$249
At-fault accident - less than $1000
$1524
$260
Passing school bus
$1530
$255
Driving without lights
$1536
$262
Open container
$1542
$257
Operating a vehicle without permission
$1559
$266
Speeding 21 - 25 MPH over limit
$1614
$269
In 65 MPH zone
$1763
$300
At-fault accident - $1000-$2000
$1818
$303
At-fault accident - greater than $2000
$1818
$309
Reckless driving
$2076
$346
Racing
$2232
$380
Driving with a suspended license
$2267
$378
Refusal to submit to a chemical test
$2340
$398
DUI
$2351
$392
Leaving scene of an accident/hit and run
$2369
$403
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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 Whiteford 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 Whiteford.
The cheapest car insurance premiums in
Whiteford are
offered by Erie at $636 for a six-month policy.
However, it can be as
expensive as $2616 with companies
like Nationwide.
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 Whiteford are offered by State Farm
at $570. However,
it can be as expensive as $2448
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Whiteford after Speeding ticket
Car insurance rates in Whiteford have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Whiteford rose by
$215 in December
compared to $214 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 Whiteford remained steady at $78 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Whiteford by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Whiteford. At $2052 for a
six-month policy, insuring
your car at 21160 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Whiteford?
The car insurance in Whiteford is $51 per month, which is lower than the national average.
What is the cheapest car insurance in Whiteford?
The cheapest car insurance in Whiteford
is $127 per month
for full coverage.
How much is car insurance in Whiteford for teenagers?
Car insurance for teenagers costs $450 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
Whiteford?
The average cost of car insurance is $1016 for a six-month
policy. It will cost around $173 per month to insure your
car in Whiteford.
Is car insurance expensive in Whiteford?
Car insurance can be expensive in Whiteford if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Whiteford can be
affordable.
What is the best car insurance in Whiteford,
MD?
The best car insurance company in Whiteford
MD is
Kemper, offering $750 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Whiteford, MD
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Whiteford Car Insurance
