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Finding the cheapest car insurance quotes in Windsor Mill 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 Windsor Mill
The car insurance rate in Windsor Mill is $1575 for a six-month policy, which is $559 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1152, making it a popular choice for budget-conscious drivers. Rates in Windsor Mill 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 $1152 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1243 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 $1271
for six months, making it
the third cheapest auto insurance company in Windsor Mill.
Windsor Mill Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Windsor Mill, MD is Kemper, offering policies at just $1152 for a six-month term. This is followed by USAA, which has an average six-month premium of $1243.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2947 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Windsor Mill drivers find the best deals.
Way's key takeaways about car insurance in Windsor Mill
The auto insurance costs in Windsor Mill fall around $1152 for six
months.
The cheapest auto insurance company in Windsor Mill is USAA.
Teen drivers pay the highest rate in Windsor Mill at $2069 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 Windsor Mill
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 Windsor Mill are given below.
USAA provides
the cheapest minimum car insurance
coverage in Windsor Mill. Their Average 6 Month Premium is $460.
Allstate is the most
expensive at $1612 for the same
period.
Cheapest Full Coverage Car Insurance in Windsor Mill
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 Windsor Mill is Kemper
at $195 per month and $1152
for six months.
Cheapest Full Coverage Car Insurance Quotes in Windsor Mill,
MD
Get Your Car Insurance Quote in Windsor Mill
Instantly!
Average Car Insurance in Windsor Mill 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 Windsor Mill, MD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Windsor Mill, 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, Windsor Mill's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Windsor Mill
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
$1062
30s
Travelers
$905
40s
Travelers
$825
50s
Travelers
$780
60s
Travelers
$874
70s
USAA
$924
Cheapest Car Insurance Rates for Teen Drivers in
Windsor Mill,MD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Windsor Mill at $118
per
month. At $12292 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 Windsor Mill.
As young drivers face the highest rates in Windsor Mill, Travelers
offers the cheapest auto insurance rates at $1062 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 Windsor Mill,
USAA is
the cheapest car insurance provider. At $1455 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
Windsor Mill is State Farm, offering
rates of around $5506 for six
months.
Save up to $971/yr on car insurance rates in Windsor Mill.
Car Insurance Rates with An Accident in Windsor Mill
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 Windsor Mill, MD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Windsor Mill
The cheapest car insurance companies after an at-fault accident in
Windsor Mill include Erie
and USAA, offering $1142
and $1299,
respectively. Encompass is an expensive provider
with an average six-month premium of
$1021.
Here is a list of driving violations that can increase your car
insurance rates in Windsor Mill MD. For example, the car
insurance in Windsor Mill
after a DUI increases to $1748 for a six
month policy. While the rate increases by $405 for a six-month policy in the case of
a speeding ticket.
Windsor Mill auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1860
$310
One Med/PIP claim
$1924
$327
Not-at-fault accident
$1998
$333
One comp claim
$2007
$341
Two Med/PIP claims
$2044
$341
Failure to wear a seat belt
$2108
$358
Failure to show documents
$2164
$361
Child safety restraint
$2182
$370
Two comp claims
$2182
$364
Driving with expired registration
$2237
$380
Cell phone violation
$2265
$378
Driving too slowly
$2265
$384
Failure to stop at a red light
$2265
$378
Failure to yield
$2265
$384
Following too closely
$2265
$378
Illegal turn
$2265
$384
Improper passing
$2265
$378
Speeding 11 - 15 MPH over limit
$2265
$384
Speeding 16 - 20 MPH over limit
$2265
$378
Speeding 6 - 10 MPH over limit
$2265
$384
Texting while driving
$2265
$378
Wrong way/wrong lane
$2265
$384
Speeding in school zone
$2292
$383
At-fault accident - less than $1000
$2339
$398
Passing school bus
$2348
$391
Driving without lights
$2358
$401
Open container
$2367
$394
Operating a vehicle without permission
$2393
$408
Speeding 21 - 25 MPH over limit
$2477
$412
In 65 MPH zone
$2706
$460
At-fault accident - $1000-$2000
$2790
$465
At-fault accident - greater than $2000
$2790
$474
Reckless driving
$3185
$532
Racing
$3426
$583
Driving with a suspended license
$3480
$580
Refusal to submit to a chemical test
$3591
$611
DUI
$3608
$601
Leaving scene of an accident/hit and run
$3636
$618
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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 Windsor Mill 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 Windsor Mill.
The cheapest car insurance premiums in
Windsor Mill are
offered by Erie at $977 for a six-month policy.
However, it can be as
expensive as $4015 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 Windsor Mill are offered by State Farm
at $874. However,
it can be as expensive as $3757
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Windsor Mill after Speeding ticket
Car Insurance Price Trends in Windsor Mill,
Maryland
Car insurance rates in Windsor Mill have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Windsor Mill rose by
$330 in December
compared to $329 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 Windsor Mill remained steady at $119 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Windsor Mill 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
Windsor Mill. At $3149 for a
six-month policy, insuring
your car at 21244 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 Windsor Mill?
The car insurance in Windsor Mill is $78 per month, which is lower than the national average.
What is the cheapest car insurance in Windsor Mill?
The cheapest car insurance in Windsor Mill
is $195 per month
for full coverage.
How much is car insurance in Windsor Mill for teenagers?
Car insurance for teenagers costs $691 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
Windsor Mill?
The average cost of car insurance is $1016 for a six-month
policy. It will cost around $265 per month to insure your
car in Windsor Mill.
Is car insurance expensive in Windsor Mill?
Car insurance can be expensive in Windsor Mill if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Windsor Mill can be
affordable.
What is the best car insurance in Windsor Mill,
MD?
The best car insurance company in Windsor Mill
MD is
Kemper, offering $1152 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Windsor Mill, MD
Car Insurance Rates by State in the USA (2025 Update)
Windsor Mill Car Insurance
