- Cheapest car insurance in Maryland for a bad driving record
- How much is high-risk car insurance in Maryland?
- Cheapest car insurance in Maryland with a DUI
- Cheapest car insurance in Maryland with multiple tickets
- Cheapest car insurance in Maryland with a reckless driving conviction
- Cheapest car insurance in Maryland with bad credit
- Cheapest car insurance after an accident in Maryland
- Cheapest car insurance in Maryland by city
- How to reduce car insurance rates in Maryland for a bad driving record
Cheapest car insurance in Maryland for a bad driving record
If you have a poor driving record in Maryland, Geico, Erie Insurance, Nationwide are the cheapest options. Geico has the lowest annual rate at $1,693.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Geico | $1,262 | $1,693 |
| Erie Insurance | $1,685 | $2,284 |
| Nationwide | $1,363 | $2,404 |
| Progressive | $1,895 | $2,433 |
| Travelers | $1,523 | $2,452 |
| Kemper | $1,603 | $3,169 |
| State Farm | $2,177 | $3,787 |
| Allstate | $3,108 | $4,220 |
| USAA | $1,043 | $1,673 |
How much is high-risk car insurance in Maryland?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Maryland, high-risk car insurance costs $2,832. However, you can get rates as low as $1,693 from Geico.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| USAA | $1,043 | $1,743 |
| Geico | $1,262 | $1,909 |
| Travelers | $1,523 | $2,309 |
| Erie Insurance | $1,685 | $2,378 |
| Nationwide | $1,363 | $2,394 |
| State Farm | $2,177 | $2,634 |
| Progressive | $1,895 | $2,788 |
| Kemper | $1,603 | $3,363 |
| Allstate | $3,108 | $5,035 |
Cheapest car insurance in Maryland with a DUI
While many insurers offer coverage after a DUI, Geico provides the average cheapest coverage for $1,547.
A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you’ll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.
The table below compares average car insurance rates with a clean driving record and rates after a DUI in Maryland.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| Geico | $1,262 | $1,547 |
| Erie Insurance | $1,685 | $1,937 |
| State Farm | $2,177 | $2,335 |
| Travelers | $1,523 | $2,441 |
| Progressive | $1,895 | $2,514 |
| Nationwide | $1,363 | $3,257 |
| Allstate | $3,108 | $4,058 |
| Kemper | $1,603 | $4,356 |
| USAA | $1,043 | $2,783 |
Cheapest car insurance in Maryland with multiple tickets
The cheapest insurer for drivers with multiple traffic tickets is Geico, with rates averaging $1,568 or $131.
While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to risky driving.
This table shows Maryland drivers how much multiple tickets increase premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| Geico | $1,262 | $1,568 |
| Erie Insurance | $1,685 | $1,937 |
| Nationwide | $1,363 | $1,971 |
| Progressive | $1,895 | $2,246 |
| Travelers | $1,523 | $2,327 |
| State Farm | $2,177 | $2,335 |
| Kemper | $1,603 | $2,591 |
| Allstate | $3,108 | $4,197 |
| USAA | $1,043 | $1,245 |
Cheapest car insurance in Maryland with a reckless driving conviction
Erie Insurance offers the cheapest rates for drivers with reckless driving convictions at $1,937.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
The table below compares car insurance rates for drivers with a clean driving record and a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| Erie Insurance | $1,685 | $1,937 |
| State Farm | $2,177 | $2,335 |
| Geico | $1,262 | $2,364 |
| Travelers | $1,523 | $2,441 |
| Progressive | $1,895 | $2,465 |
| Nationwide | $1,363 | $3,257 |
| Allstate | $3,108 | $4,058 |
| Kemper | $1,603 | $4,356 |
| USAA | $1,043 | $1,453 |
Cheapest car insurance in Maryland with bad credit
The cheapest Maryland insurer for bad credit is Geico, with rates averaging $1,547 or $129. Fortunately, drivers with bad credit can still find affordable auto insurance.
Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file a 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., and statistically, drivers with a low credit score fit that description.
Check out the table below to see how your credit score affects Maryland car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| Geico | $1,262 | $1,547 |
| Nationwide | $1,363 | $1,995 |
| Kemper | $1,603 | $2,528 |
| Travelers | $1,523 | $2,851 |
| Progressive | $1,895 | $2,879 |
| Erie Insurance | $1,685 | $4,021 |
| Allstate | $3,108 | $4,612 |
| State Farm | $2,177 | $11,042 |
| USAA | $1,043 | $2,068 |
Cheapest car insurance after an accident in Maryland
Geico has the lowest average rates after an accident at $1,909. Travelers also offers affordable rates, averaging $2,244.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| Geico | $1,262 | $1,909 | $2,965 |
| Travelers | $1,523 | $2,244 | $2,866 |
| Erie Insurance | $1,685 | $2,378 | $2,819 |
| Nationwide | $1,363 | $2,394 | $3,385 |
| State Farm | $2,177 | $2,634 | $2,634 |
| Progressive | $1,895 | $2,788 | $3,845 |
| Kemper | $1,603 | $3,363 | $5,625 |
| Allstate | $3,108 | $5,035 | $6,315 |
| USAA | $1,043 | $1,743 | $2,672 |
Cheapest car insurance in Maryland by city
Boonsboro has the cheapest car insurance rates in Maryland, averaging $2,338. However, the most expensive city is Baltimore, with average insurance rates of $3,815.
Where you live in Maryland also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Boonsboro | $1,470 | $2,338 |
| Luke | $1,488 | $2,375 |
| Henderson | $1,507 | $2,412 |
| Brunswick | $1,529 | $2,438 |
| Aberdeen | $1,750 | $2,808 |
| Maryland City | $1,772 | $2,858 |
| Laurel | $1,928 | $3,117 |
| Beltsville | $2,072 | $3,352 |
| Bladensburg | $2,253 | $3,621 |
| Baltimore | $2,345 | $3,815 |
How to reduce car insurance rates in Maryland for a bad driving record
Finding affordable car insurance in Maryland is possible, even with a bad driving record. Ways to lower car insurance rates include:
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren’t added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
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