Who Has the Cheapest Car Insurance for Felons in Maryland?

The words “affordable” and “insurance” really shouldn’t be used together, especially when trying to find the best coverage prices for felons. Because of the high cost, let’s take a look at a few of the things that have a considerable impact on car insurance premiums, and see if we can help you take the bite out of the next policy you buy.

When shopping for cheaper auto insurance for felons, one of the many factors that help set car insurance rates is where you call home. Areas that are more densely populated like Baltimore, Dundalk, and Towson tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims receive better rates.

The next table shows the most expensive areas in Maryland for felons to buy auto insurance in.

Premium costs are estimated as the garaging address in Maryland can impact auto insurance rates significantly.

The make and model of vehicle on the policy is one of the biggest factors that determines if you can find cheap car insurance for felons. Vehicles with high performance, a lack of advanced safety features, or a history of substantial liability claims will cost much more to insure than more modest models.

The next list estimates insurance rates for the most cost-effective vehicles to buy coverage for.

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Table data does not factor in garaging location in Maryland which can increase or decrease coverage prices substantially.

Based upon these rates, makes and models like the Honda CR-V, Chevrolet Traverse, Honda Accord, Ford Escape, and Hyundai Elantra are most likely going to be the cheaper vehicles to insure for felons.

Buying low-cost insurance is hard enough, and determining which companies quote the lowest-priced car insurance rates for felons may require even more perseverance.

Every car insurance company has their own unique process to set their prices, so let’s begin by examining the car insurance companies with the overall cheapest rates in Maryland. It’s important to understand that Maryland car insurance rates are determined by lots of factors that can increase your annual premium. Improving your credit rating, buying a newer car, or having an accident may generate price changes resulting in some rates now being more expensive than competitors.

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USAA offers some of the lowest car insurance rates in Maryland at around $920 each year. Liberty Mutual, Erie, Penn National, and State Auto would also make the list of some of the cheapest Maryland insurance companies.

In this example, if you have coverage with Liberty Mutual and switched to USAA, you could realize an annual savings of upwards of $172. Drivers with Erie could save as much as $195 a year, and Penn National customers might reduce rates by $217 a year.

Bear in mind that those policy prices are averages across all drivers and vehicles in Maryland and and are not calculated with a rate decrease for felons. So the insurer that fits your age and vehicle best may not even be shown in the above list. That underscores the importance of why you need to compare rates from as many companies as possible using your own personal information and vehicle type.

Discounts on the cheapest car insurance for felons in Maryland

Auto insurance companies that sell policies for felons may also offer discounts that may potentially lower prices by 30% or more if you meet the requirements. A few popular companies and their offered discounts can be read below.

• State Farm includes discounts for safe vehicle, Steer Clear safe driver discount, anti-theft, good student, Drive Safe & Save, and multiple autos.
• GEICO may offer discounts for multi-vehicle, five-year accident-free, defensive driver, anti-lock brakes, good student, daytime running lights, and federal employee.
• Progressive has savings for online signing, online quote discount, good student, homeowner, multi-vehicle, multi-policy, and continuous coverage.
• 21st Century may include discounts for good student, teen driver, air bags, theft prevention, student driver, and homeowners.
• American Family offers discounts for multi-vehicle, early bird, air bags, Steer into Savings, good driver, and defensive driver.
• The Hartford offers premium reductions for air bag, vehicle fuel type, defensive driver, good student, bundle, anti-theft, and driver training.
• AAA offers discounts including multi-car, AAA membership discount, pay-in-full, multi-policy, and good student.

The diagram below illustrates the difference between insurance prices with and without discounts applied to the policy rates. The data is based on a female driver, no violations or claims, Maryland state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple policy, vehicle safety, passive restraint, homeowner, claim-free, and defensive driving course discounts applied. When these discounts are applied, the average savings per year on car insurance for felons is 28% or $678.

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Choosing a good quality insurance company is hard considering how many choices drivers have in Maryland. The information shown below can help you decide which coverage providers to look at when shopping insurance around for felons.

The rankings below are for companies that insure vehicles nationwide, so companies with more of a regional focus are not factored into the list. To get price quotes from these and other competitive companies, follow this link.

Top 10 Major Auto Insurance Companies 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%

Find the cheapest car insurance for felons in Maryland

It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching solutions that can help Maryland drivers find cheaper coverage.

• Clean up your credit rating
• Vehicles with good safety ratings have lower liability rates
• Do not insure for full coverage
• Save money by staying claim-free
• Save money by bundling your home and auto policies
• Increase the comprehensive and collision deductibles on your policy
• Check for cheaper rates once a year

The last tip is very critical, as we pointed out in the prior information. Prices charged by car insurance companies change constantly, so drivers shouldn’t be reluctant to switch to a new company if you find a cheaper price. Many drivers have brand loyalty and that’s fine, but it’s not recommended if that inflexibility results in costing you hundreds every year. In just a couple of minutes you could compare prices to find cheaper auto insurance for felons.

Cheapest insurance quotes for felons

Drivers have many ways to compare cheaper car insurance rates in Maryland, but the most preferred methods are from a non-exclusive or independent agent, a captive (or exclusive) agency like Liberty Mutual or Allstate, or from a direct company like Geico. They all follow the same basic process, but they differ slightly in how they provide price quotes.

Independent agents work for many companies and can quote your policy with every one. These types of agencies are able to give you more rate choices, which can give you better odds of saving money. If they find a lower price, an independent agent can move your coverage and you can remain with the same agent.

An exlusive, or captive, agency is restricted to a single company, examples being Allstate or Farmers Insurance agents. These agents are not able to provide rates from more than one company, so drivers will want to get other quotes as well.

Choosing to buy car insurance direct means you bypass the middleman (the agent) and instead shop from a direct company like Progressive or Geico. Buying direct can be a good choice for people who do not need advice for asset protection and have a decent understanding of what is covered and what is not.

So out of those three methods, which one works best for finding the cheapest car insurance for felons in Maryland? One answer would be buying direct saves money since there isn’t an agent involved, but unfortunately, that is not the case. We could also assume that going through an independent agent can save the most money since they have more companies to choose from, but that assumption is also not necessarily accurate. In many circumstances, exclusive agencies have coverage prices that other car insurance companies cannot touch.

Because there are so many factors that make up car insurance rates, really the best method to ensure the lowest rates is to compare, compare, and compare some more. We recommend you get prices from all three to get an idea of which is cheapest. To see some of the cheapest online companies available, click here to view.