How Much is Auto Insurance for Drivers Under 21 in Maryland?

When writing about shopping for auto insurance, the word cheap really should not be used anywhere to describe car insurance prices. Excuse the oxymoron, but cheap auto insurance for drivers under 21 can be difficult to find. Don’t let that bother you, though, because we are going to tell you how you can find car insurance that is affordable.

For minors, one of the big components that help determine a rate quote is the neighborhood you call home in Maryland. Cities that have higher claim levels or more people like Baltimore, Dundalk, and Towson tend to pay higher rates, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.

The information below illustrates the higher priced cities in Maryland for drivers under 21 in which to purchase auto insurance.

Prices are approximated as the specific Maryland residence address can change insurance rates substantially.

Finding decent, low-priced auto insurance is not easy, and finding out which company has the lowest-priced auto insurance rates for drivers under 21 requires more quotes for comparison. Prices will most likely be much more than the average price in Maryland because of the posibility of more claims that comes with offering coverage for minors, but reasonable coverage may be achievable if you shop around. Every insurance company uses their own calculation to set premium rates, so first we will examine the auto insurance companies that tend to be cheaper in Maryland.

Keep in mind that Maryland auto insurance rates are determined by lots of factors which can substantially decrease or increase the price you have to pay. This price fluctuation is why it is so important to compare many different companies when trying to get the most affordable car insurance rates for drivers under 21. Auto insurance prices are determined by many things and can change without notice, so the best option the last time you compared rates may now be quite expensive.

Find the Cheapest Car Insurance for Minors

Click to Compare Rates Now

USAA may offer some of the most affordable car insurance rates in Maryland at around $948 each year. Liberty Mutual, Penn National, Erie, and State Auto would also be considered some of the cheaper Maryland car insurance companies.

As the rates illustrate above, if you currently have coverage with Erie and switched to USAA, you could earn an annual premium reduction of about $201. Insureds with State Auto may save as much as $278 a year, and Amica policyholders might lower prices by $386 a year.

To compare your rates to other Maryland insurance companies, click here to begin a quote or visit several of the following companies.

It’s important to note that these premiums are averages across all types of insureds and vehicles and do not factor in a rate increase for drivers under 21. So the car insurance company that fits your age and vehicle best may not even be featured in the above list. That’s why you need to get car insurance quotes using your own driver data and vehicle information.

Ending up with a good quality insurance company can be challenging considering how many companies sell coverage in Maryland. The ranking data displayed below could help you choose which coverage providers you want to consider comparing rate quotes with. The ratings below are only made up of large nationwide companies, so smaller companies that only insure vehicles in Maryland are not included in the list.

Top 10 Large Auto Insurance Providers in Maryland Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Nationwide – 89%
5. Travelers – 88%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. The Hartford – 87%

Is State Farm, Allstate, Geico, or Progressive cheaper?

When shopping for car insurance for minors in Maryland, four companies you’ll want quotes from are State Farm, Allstate, Geico, and Progressive. All four can cover your vehicle for liability and physical damage, but each one has unique coverages that buyers can select from. The following table compares and contrasts some of the ratings and options that may be available in Maryland.