Cheap Car Insurance for Drivers with a DUI in Maryland

The vehicle model on the policy is one of the biggest factors that determines if you can find the most economical auto insurance for drivers with a DUI. Vehicles with limited speed and performance, a great safety record, or a low likelihood of having liability claims will cost less to insure than fast, unsafe models. The information below presents auto insurance prices for a handful of the most cost-effective vehicles to buy coverage for.

Cost estimates assume married female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Maryland minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in zip code location which can lower or raise auto insurance rates significantly.

Based upon these rates, we can infer that makes and models like the Ford Escape, Honda CR-V, Honda Accord, Subaru Forester, and Toyota RAV4 are most likely to be the cheaper vehicles to insure after getting a DUI. The cost of a car insurance policy will tend to be more expensive anyway because there is more exposure for drivers with a DUI, but overall those vehicles will most likely have the cheapest car insurance rates compared to all other vehicles.

After getting a DUI, one of the more important components that help determine rate quotes is where you normally keep your vehicle. Cities with more crime and/or more people like Baltimore, Towson, and Catonsville likely pay more, whereas areas with less people or fewer weather incidents have the enjoyment of a little cheaper coverage.

The next table lists the most expensive areas in Maryland for drivers with a DUI to buy an auto insurance policy in.

Table data uses estimated as vehicle location can raise or lower rates noticeably.

Determining which insurers offer the best auto insurance rates for drivers with a DUI will take a little more sweat in order to find the lowest price. Every insurance company uses a different method for setting prices, so we’ll go over the auto insurance companies with the most affordable rates in Maryland.

We do need to point out that Maryland auto insurance rates are determined by lots of factors which can substantially decrease or increase the cost of coverage. Simply having another birthday, getting divorced, or getting into an accident can cause premium changes that can cause some rates to be cheaper than competitors.

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USAA has some of the most affordable car insurance rates in Maryland at around $958 annually. Liberty Mutual, Penn National, Erie, and State Auto also rank well as some of the most economical Maryland auto insurance companies.

As shown above, if you currently have coverage with Erie and switched to Liberty Mutual, you could see annual savings of in the vicinity of $80. Maryland drivers with State Auto might save as much as $133 a year, and Amica policyholders might reduce rates by $227 a year.

If you want to see how much you could save, click here to get a free quote or feel free to get quotes from the companies below.

Be aware that those premium estimates are averages for all drivers and vehicles and and are not calculated with a rate surcharge for drivers with a DUI. So the company that fits your age and vehicle best may not even be shown in the list above. That affirms the importance of why you need to compare prices as often as possible using your own individual information.

Insurance rate increases from tickets or accidents

The easiest way to score good auto insurance rates in Maryland after getting a DUI is to drive safely and avoid accidents and keep your driving record clean. The information below illustrates how traffic citations and accident claims can raise auto insurance costs for each age group. The premiums are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

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The data above shows the average cost of auto insurance in Maryland per year with no accidents and a clean driving record is $2,422. Factor in two speeding tickets and the average cost swells to $3,350, an increase of $928 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of auto insurance for drivers with a DUI increases to an average of $6,803. That’s an increase of $4,381, or $365 per month, just for not driving attentively!

Which major car insurance company is best?

When it comes to auto insurance, four companies to definitely compare rates with are Progressive, Geico, Allstate, and State Farm. Combined they make up nearly half of all car insurance policies written. The following table compares price, claims, and customer service ratings, as well as some optional coverages that are available from each company.

Cheap insurance quotes after getting a DUI

You have many ways to get cheap auto insurance quotes in Maryland, but the most preferred methods are using an independent insurance agent, an exclusive insurance agency like Liberty Mutual or Allstate, or direct from companies such as Progressive or Geico. All three ways can provide auto insurance quotes, but it’s good to know the differences in how they price policies.

Independent agencies work with multiple companies and can get policy pricing from all of them. These types of agents are not limited to a single company and can provide you with more rate quotes, which can help you get the best shot at cutting your rates. If they find a cheaper price, they simply move your policy to a different company which prevents you from having to find a new agency.

An exlusive, or captive, agency is usually restricted to a single insurance company, two popular examples being Allstate and Liberty Mutual agents. Exclusive agents cannot quote rates from more than one company, so unless you get quotes from other companies, you cannot determine which is cheapest.

Consumers who buy auto insurance direct do not use local agents and buy direct online or over the phone from a company like Geico or Progressive. This option may be good for consumers who do not need complex risk management and have knowledge of what limits they need.

What is the best method to buy cheap car insurance for drivers with a DUI in Maryland? We would first guess that buying from a direct car insurance company results in the best prices because you bypass the agent, but in reality, that argument does not hold true. It could also be said an independent agent guarantees the best prices because you have more choices, but that assumption is also not necessarily accurate. And often times, the exclusive agents have very competitive rates that independents and direct companies can’t touch.

Since auto insurance rates vary so much, the best way to not overpay for auto insurance is to get as many comparison quotes as possible. To cover all the bases, get price quotes all three ways in order to find the best price. To see some of the cheapest online companies available, click here to view.

How to find cheap car insurance for drivers with a DUI in Maryland

The list below details some penny-pinching solutions that can help Maryland drivers buy cheaper car insurance.

• Vehicles with safetly features generally cost less to insure
• Increase physical damage deductibles
• Be a safe driver
• Improve your credit rating
• Prevent rate increases by staying accident-free
• Compare rate quotes often

That last piece of advice is notably necessary, as was discussed in this write-up. Insurance rates in Maryland change constantly, so you should be ready to change insurance companies if a lower-cost policy is available. We understand brand loyalty, but it isn’t a good idea if it’s costing you a small fortune year after year. It only take a few minutes to shop around to find cheaper auto insurance for drivers with a DUI.