Average car insurance cost in Beltsville
Full coverage car insurance in Beltsville costs an average of $2,715 per year, or $226 per month, for 100/300/100 liability limits and $500 deductibles. State minimum coverage averages $999 annually, but it provides less financial protection because it does not cover damage to your vehicle.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike the state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $1,358 |
| Average annual premium | $2,715 |
| State minimum premium | $999 |
Cheapest car insurance companies in Beltsville
GEICO offers the cheapest full coverage car insurance in Beltsville at $1,750 per year. Erie Insurance has the next-lowest average rate. Since insurance companies use different pricing methods, the most affordable carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. varies significantly from one driver to another.
Your location, driving record, vehicle, selected limits, and insurance company all influence your premium. When comparing insurers, request quotes with matching coverage limits and deductibles to ensure the price comparison is accurate.
Below are the companies that offer cheap car insurance to drivers in Beltsville.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $875 | $1,750 |
| Erie Insurance | $1,085 | $2,170 |
| Travelers | $1,119 | $2,238 |
| Nationwide | $1,129 | $2,258 |
| Progressive | $1,443 | $2,886 |
| State Farm | $1,461 | $2,922 |
| Penn National Insurance | $1,953 | $3,905 |
| Allstate | $2,417 | $4,834 |
| USAA | $739 | $1,477 |
Cheapest car insurance cost in Beltsville by age group
Car insurance prices in Beltsville differ by age because insurers consider how driving experience impacts expected accident risk. Erie Insurance is the cheapest company for teens, Erie Insurance for young adults, GEICO for adults, and GEICO for seniors, based on the rates in our analysis.
Take a look at the cheapest companies in Beltsville by age below:.
- Cheapest for teens: Erie Insurance
- Cheapest for young adults: Erie Insurance
- Cheapest for adults: GEICO
- Cheapest for seniors: GEICO
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Erie Insurance offers the cheapest car insurance for teens at $5,131 per year.
For young adults, Erie Insurance offers the lowest average rate at $3,291 annually. Young adults pay less than teenagers as they gain experience, but their premiums remain higher than rates for older adult drivers.
GEICO is the least expensive insurer for adult drivers in Beltsville, with an average annual premium of $1,767. Adults benefit from greater driving experience and a lower likelihood of filing an accident claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing..
Senior drivers can find the cheapest average car insurance from GEICO at $1,966 per year. Premiums may increase for some older drivers when insurers account for changes in reaction time, vision and accident risk.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| GEICO | $6,561 | $3,438 | $1,767 | $1,966 |
| Erie Insurance | $5,131 | $3,291 | $2,268 | $2,275 |
| Nationwide | $8,370 | $3,969 | $2,282 | $2,224 |
| Travelers | $8,343 | $3,626 | $2,287 | $2,645 |
| Progressive | $10,328 | $4,934 | $2,846 | $2,586 |
| State Farm | $8,527 | $4,817 | $2,947 | $2,998 |
| Penn National Insurance | $15,188 | $7,872 | $3,833 | $3,714 |
| Allstate | $12,901 | $7,188 | $4,795 | NA |
| USAA | $4,364 | $2,189 | $1,472 | $1,430 |
Cheapest car insurance companies in Beltsville by driver profile
The cheapest car insurance company in Beltsville depends on the driver's record and credit profile. GEICO is cheapest after an at-fault accident, GEICO after a DUI, and GEICO after a speeding ticket. Comparing insurers is especially important after a violation.
Below are some of the cheapest car insurance companies in Beltsville by driver profile.
- Cheapest for poor credit: GEICO
- Cheapest for an at-fault accident: GEICO
- Cheapest for a DUI: GEICO
- Cheapest for a driver with a speeding ticket: GEICO
Cheapest for a driver with poor credit: GEICO
Drivers with poor credit in Beltsville can find the lowest average car insurance rate from GEICO at $2,144 per year.
Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Beltsville.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $1,072 | $2,144 |
| Nationwide | $1,644 | $3,288 |
| Travelers | $2,085 | $4,169 |
| Progressive | $2,174 | $4,347 |
| Erie Insurance | $2,558 | $5,115 |
| Allstate | $3,595 | $7,191 |
| State Farm | $7,346 | $14,692 |
| USAA | $1,436 | $2,873 |
Cheapest auto insurance after an at-fault accident: GEICO
After an at-fault accident, GEICO has the cheapest average car insurance in Beltsville at $2,656 per year. Insurers raise premiums following an at-fault crash because it may indicate a higher likelihood of another claim, but the amount of the increase varies by company.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Beltsville.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $1,328 | $2,656 |
| Erie Insurance | $1,548 | $3,096 |
| Travelers | $1,649 | $3,298 |
| State Farm | $1,765 | $3,530 |
| Nationwide | $1,969 | $3,939 |
| Progressive | $2,109 | $4,219 |
| Allstate | $3,869 | $7,738 |
| USAA | $1,230 | $2,460 |
Cheapest auto insurance after a DUI: GEICO
GEICO offers the cheapest car insurance rates for drivers with a first-offense DUI/DWI on their driving record. The average rate is $2,144 per year, making it the cheapest option amongst all the companies analyzed.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in Beltsville.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $1,072 | $2,144 |
| Erie Insurance | $1,253 | $2,507 |
| State Farm | $1,566 | $3,132 |
| Travelers | $1,787 | $3,574 |
| Progressive | $1,916 | $3,831 |
| Nationwide | $2,675 | $5,349 |
| Allstate | $3,112 | $6,223 |
| USAA | $1,969 | $3,939 |
Cheapest for drivers with a speeding ticket: GEICO
GEICO offers the cheapest car insurance at $2,176 in Beltsville for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies offering cheap auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $1,088 | $2,176 |
| Erie Insurance | $1,253 | $2,507 |
| State Farm | $1,566 | $3,132 |
| Nationwide | $1,625 | $3,251 |
| Travelers | $1,705 | $3,411 |
| Progressive | $1,706 | $3,413 |
| Allstate | $3,208 | $6,415 |
| USAA | $880 | $1,761 |
Car insurance discounts for Beltsville drivers
The biggest car insurance discount available in Beltsville is for the Student Away At School category at 34%, offered by State Farm.
Additional discounts include those for safe drivers, good students, and bundling your home and auto insurance.
Here are some of the car insurance discounts insurers offer to Beltsville drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Air Bags | GEICO | $1,545 | $1,507 | 3% | $39 |
| Air Bags | Nationwide | $1,834 | $1,818 | 1% | $16 |
| Air Bags | Erie Insurance | $1,906 | $1,890 | 1% | $16 |
| Air Bags | Allstate | $4,019 | $3,990 | 1% | $29 |
| Anti-Theft Device | GEICO | $1,545 | $1,524 | 1% | $22 |
| Comp and Coll Deductibles | GEICO | $1,545 | $1,341 | 13% | $205 |
| Comp and Coll Deductibles | Erie Insurance | $1,906 | $1,536 | 19% | $370 |
| Comp and Coll Deductibles | Nationwide | $1,834 | $1,639 | 11% | $196 |
| Comp and Coll Deductibles | Travelers | $1,957 | $1,783 | 9% | $174 |
| Comp and Coll Deductibles | State Farm | $2,415 | $2,177 | 10% | $238 |
| Comp and Coll Deductibles | Progressive | $2,588 | $2,517 | 3% | $71 |
| Comp and Coll Deductibles | Penn National Insurance | $3,129 | $3,079 | 2% | $50 |
| Comp and Coll Deductibles | Allstate | $4,019 | $3,555 | 12% | $464 |
| Daily Commute | GEICO | $1,545 | $1,450 | 6% | $96 |
| Daily Commute | Erie Insurance | $1,906 | $1,758 | 8% | $148 |
| Daily Commute | Penn National Insurance | $3,129 | $3,012 | 4% | $117 |
| Days Advanced Purchase | Erie Insurance | $1,906 | $1,717 | 10% | $190 |
| Days Advanced Purchase | Nationwide | $1,834 | $1,750 | 5% | $85 |
| Days Advanced Purchase | Travelers | $1,957 | $1,826 | 7% | $131 |
| Days Advanced Purchase | Progressive | $2,588 | $2,548 | 2% | $40 |
| Days Per Week Driven | GEICO | $1,545 | $1,450 | 6% | $96 |
| Education | GEICO | $1,545 | $1,396 | 10% | $149 |
| Electronic Funds Transfer | Nationwide | $1,834 | $1,811 | 1% | $23 |
| Electronic Funds Transfer | Travelers | $1,957 | $1,918 | 2% | $39 |
| Electronic Funds Transfer | Progressive | $2,588 | $2,519 | 3% | $69 |
| Electronic Funds Transfer | Allstate | $4,019 | $3,854 | 4% | $165 |
| Electronic Signature | Progressive | $2,588 | $2,327 | 10% | $261 |
| Homeowner | Nationwide | $1,834 | $1,729 | 6% | $106 |
| Homeowner | Progressive | $2,588 | $2,459 | 5% | $129 |
| Homeowner | Allstate | $4,019 | $3,653 | 9% | $366 |
| Lower Annual Mileage | Erie Insurance | $1,906 | $1,757 | 8% | $149 |
| Lower Annual Mileage | State Farm | $2,415 | $2,185 | 10% | $230 |
| Lower Annual Mileage | Progressive | $2,588 | $2,520 | 3% | $68 |
| Lower Annual Mileage | Allstate | $4,019 | $3,956 | 2% | $63 |
| Loyalty - Years Renewal With Company | GEICO | $1,545 | $1,532 | 1% | $13 |
| Loyalty - Years Renewal With Company | Erie Insurance | $1,906 | $1,847 | 3% | $60 |
| Loyalty - Years Renewal With Company | State Farm | $2,415 | $2,150 | 11% | $265 |
| Loyalty - Years Renewal With Company | Progressive | $2,588 | $2,533 | 2% | $55 |
| Loyalty - Years Renewal With Company | Penn National Insurance | $3,129 | $3,100 | 1% | $29 |
| Marital Status | GEICO | $1,545 | $1,493 | 3% | $53 |
| Marital Status | Nationwide | $1,834 | $1,633 | 11% | $202 |
| Marital Status | Erie Insurance | $1,906 | $1,715 | 10% | $191 |
| Marital Status | Progressive | $2,588 | $2,206 | 15% | $382 |
| Marital Status | Penn National Insurance | $3,129 | $3,057 | 2% | $72 |
| Multi Policy | GEICO | $1,545 | $1,476 | 4% | $69 |
| Multi Policy | Nationwide | $1,834 | $1,668 | 9% | $167 |
| Multi Policy | Erie Insurance | $1,906 | $1,782 | 7% | $125 |
| Multi Policy | Travelers | $1,957 | $1,816 | 7% | $141 |
| Multi Policy | State Farm | $2,415 | $2,144 | 11% | $271 |
| Multi Policy | Progressive | $2,588 | $2,321 | 10% | $267 |
| Multi Policy | Penn National Insurance | $3,129 | $2,817 | 10% | $312 |
| Multi Policy | Allstate | $4,019 | $3,591 | 11% | $428 |
| Paperless/Electornic Documents | Nationwide | $1,834 | $1,759 | 4% | $76 |
| Paperless/Electornic Documents | Progressive | $2,588 | $2,565 | 1% | $23 |
| Paperless/Electornic Documents | Allstate | $4,019 | $3,690 | 8% | $329 |
| Payment Type | Erie Insurance | $1,906 | $1,695 | 11% | $211 |
| Payment Type | Nationwide | $1,834 | $1,759 | 4% | $76 |
| Payment Type | Travelers | $1,957 | $1,811 | 7% | $146 |
| Payment Type | Progressive | $2,588 | $2,256 | 13% | $332 |
| Payment Type | Penn National Insurance | $3,129 | $2,974 | 5% | $154 |
| Payment Type | Allstate | $4,019 | $3,653 | 9% | $366 |
| Primary Use | GEICO | $1,545 | $1,401 | 9% | $144 |
| Primary Use | Nationwide | $1,834 | $1,606 | 12% | $228 |
| Primary Use | Erie Insurance | $1,906 | $1,610 | 16% | $297 |
| Primary Use | Travelers | $1,957 | $1,869 | 4% | $88 |
| Primary Use | State Farm | $2,415 | $2,125 | 12% | $290 |
| Primary Use | Progressive | $2,588 | $2,515 | 3% | $73 |
| Primary Use | Penn National Insurance | $3,129 | $2,822 | 10% | $307 |
| Primary Use | Allstate | $4,019 | $3,728 | 7% | $291 |
| Profession | GEICO | $1,545 | $1,396 | 10% | $149 |
| Profession | Progressive | $2,588 | $2,514 | 3% | $74 |
| Safety Devices | GEICO | $1,545 | $1,509 | 2% | $36 |
| Safety Devices | Allstate | $4,019 | $3,728 | 7% | $291 |
| Telematics | Nationwide | $1,834 | $1,634 | 11% | $200 |
| Telematics | Progressive | $2,588 | $2,199 | 15% | $389 |
| Telematics | State Farm | $2,415 | $2,229 | 8% | $186 |
| Telematics | Allstate | $4,019 | $3,690 | 8% | $329 |
| Years Insured | GEICO | $1,545 | $1,365 | 12% | $180 |
| Years Insured | Travelers | $1,957 | $1,701 | 13% | $255 |
| Years Insured | Nationwide | $1,834 | $1,756 | 4% | $78 |
| Years Insured | Progressive | $2,588 | $2,344 | 9% | $244 |
| Years Insured | Allstate | $4,019 | $2,778 | 31% | $1,241 |
| Anti-Theft Device | USAA | $1,311 | $1,282 | 2% | $29 |
| Days Advanced Purchase | USAA | $1,311 | $1,221 | 7% | $90 |
| Electronic Funds Transfer | USAA | $1,311 | $1,275 | 3% | $36 |
| Lower Annual Mileage | USAA | $1,311 | $1,244 | 5% | $68 |
| Marital Status | USAA | $1,311 | $1,223 | 7% | $88 |
| Multi Policy | USAA | $1,311 | $1,268 | 3% | $43 |
| Primary Use | USAA | $1,311 | $1,096 | 16% | $215 |
| Safety Devices | USAA | $1,311 | $1,293 | 1% | $18 |
| Years Insured | USAA | $1,311 | $1,187 | 9% | $124 |
How to get cheap car insurance in Beltsville in 2026
To find cheap car insurance in Beltsville in 2026, compare several insurers using the same limits and deductibles, request every eligible discount, and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. that you can afford. A clean driving history, an affordable vehicle, and regular policy reviews can also help keep premiums under control.
Find affordable car insurance in Beltsville by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Beltsville.
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
Rates for drivers with poor credit, speeding tickets, DUI, and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
FAQ: Cheap Car Insurance in Beltsville
How much does car insurance cost in Beltsville?
Car insurance costs $2,715 per year on average, or about $226 monthly for full coverage in Beltsville. This average is based on 100/300/100 liability limits with $500 deductibles, but your final price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in MD?
No, you don't legally need full coverage in MD, but you're required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Beltsville?
You can reduce your car insurance costs in Beltsville by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
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