Cheap Auto Insurance Quotes for Teenage Males in Maryland

This would be a much shorter article if we could just give you the name of the one auto insurance company that has the best car insurance rates in Maryland. It’s just not that easy, however, as there are a whole bunch of unknown aspects such as whether you are female or male, the performance level of your vehicle, and citations or tickets, that all impact the cost of your policy. This article should teach you a little about these topics and hopefully give you enough understanding to have a jump start in finding the best auto insurance in Maryland.

Finding reliable, affordable car insurance is easier said than done, and deciding which companies quote the cheapest auto insurance rates for teenage males will require a bit more work. Insurance prices should be quite a bit higher than the average policy in Maryland attributed to the potential for higher claims related to offering insurance for teen boys, but competitive coverage may be possible with a little diligence. Every auto insurer has a unique formula for establishing rates, so let’s rank the auto insurance companies with the most affordable rates in Maryland.

Best Auto Insurance Prices for Teens

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USAA has some of the most affordable car insurance rates in Maryland at around $930 per year. Penn National, Liberty Mutual, Erie, and State Auto would also make the list of some of the best Maryland insurance companies.

As shown in the rates above, if you are a policyholder with State Auto and switched to Penn National, you might achieve yearly savings of approxmiately $133. Policyholders with Amica may save as much as $241 a year, and MetLife customers might reduce rates by $293 a year.

To see if you’re overpaying, click here to start your free quote or visit any of the companies below.

These premium estimates are averaged across all types of drivers and the different vehicles they drive and do not factor in a rate increase for teenage males. So the car insurance company that fits your situation best may not even be featured in the list of companies above. That emphasizes why you need to get auto insurance quotes using your own specific driver and vehicle information.

One of the more important factors that aid in calculating rate quotes is where you live. Regions with larger populations or more claims like Baltimore, Dundalk, and Silver Spring tend to pay higher rates, whereas areas with fewer weather claims and lower vehicle theft rates profit from lower rates.

The information below rates the higher priced cities in Maryland for teenage males to purchase car insurance in.

Premium costs are estimated as the vehicle garaging location can modify coverage rates greatly.

The type of vehicle requiring insurance is one of the largest considerations that determines the availablility of the most affordable auto insurance for teenage males. Vehicles with high performance features, poor passenger safety features, or a high likelihood of having liability claims will cost substantially more to insure than more economical and safe models. The lists below shows insurance costs for some of the most economical vehicles to insure in Maryland.

Premium data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in vehicle location which can change premium rates greatly.

Above prices assume single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in vehicle location which can influence premium rates noticeably.

Table data represents single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in vehicle garaging location which can affect coverage prices noticeably.

Auto insurance rates are higher with tickets and accidents

The ideal way to get the best auto insurance premiums for teen boys is to drive cautiously and avoid accidents and traffic citations. The example below highlights how speeding tickets and at-fault accidents can raise insurance costs for different categories of driver ages. The premiums assume a single male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 4033,4327,6811],[‘Age 30’, 2097,2391,4873],[‘Age 40’, 2077,2373,4855],[‘Age 50’, 1887,2185,4665],[‘Age 60’, 1823,2119,4603],[‘Age 70’, 2203,2501,4983]]);var options = {title: ‘Effect of Violations and Accidents on Maryland Insurance Premiums’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Maryland’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of a car insurance policy in Maryland per year with no accidents or violations is $2,353. Get written up for one speeding ticket and the average cost rises to $2,649, an increase of $296 each year. Now add in two accidents along with the one speeding ticket and the annual cost of auto insurance for teenage males increases to an average of $5,132. That’s an increase of $2,778, or $232 per month, just for not driving responsibly!