Cheap Car Insurance Quotes for Postal Workers in Maryland

Cheap Car Insurance Quotes for Postal Workers in Maryland

Determining which company quotes the cheapest insurance rates for postal workers involves a bit more effort than just getting one or two price quotes.

Every car insurance company has their own formula to set their prices, so we will examine the insurance companies with the most affordable rates in Maryland. It’s important that you understand Maryland insurance rates are based on many factors that control the price of your policy. Getting older, increasing liability limits, or having an at-fault accident may cause policy rate changes resulting in some companies being more affordable than before.

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Cheapest Maryland auto insurance companies
Rank Company Cost Per Year
1 USAA $958
2 Liberty Mutual $1,081
3 Penn National $1,126
4 Erie $1,161
5 State Auto $1,178
6 Amica $1,308
7 MetLife $1,386
8 Nationwide $1,393
9 Travelers $1,426
10 GEICO $1,428
11 California Casualty $1,544
12 Allstate $1,596
13 State Farm $1,696
14 Progressive $2,149
15 Encompass $2,566
16 Victoria $2,933
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USAA may have some of the cheapest car insurance rates in Maryland at around $958 annually. Liberty Mutual, Penn National, Erie, and State Auto would also be considered some of the best Maryland car insurance companies.

As the example above demonstrates, if you currently have a policy with Erie and switched to Liberty Mutual, you might see annual savings of around $80. Maryland drivers with State Auto may save as much as $97 a year, and Amica policyholders might lower prices by $227 a year.

To find out how your current rates compare, click here to start your free quote or quote prices from the following companies.

It’s important to note that these premiums are averages across all insureds and vehicles and and are not figured with a rate discount for postal workers. So the insurer that is most affordable for your situation may not even be featured in the above list. That underscores the importance of why you need to get car insurance quotes using your own driver and vehicle profiles.

The cost and performance of the vehicle needing coverage is probably the largest consideration in finding cheap car insurance for postal workers in Maryland. Vehicles with high performance engines, poor crash test ratings, or high incidents of liability claims will cost much more to insure than safer models.

The lists below outlines car insurance rates for the most economical vehicles to insure.

Car Insurance Rates for Popular Cars in Maryland
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LT $1,116 $558 $93
Ford Focus SES 4-Dr Sedan $1,132 $566 $94
Honda Accord EX-L 2-Dr Coupe $1,250 $625 $104
Hyundai Sonata GLS 4-Dr Sedan $1,158 $579 $97
Kia Optima LX $1,158 $579 $97
Nissan Altima Hybrid 4-Dr Sedan $1,182 $591 $99
Toyota Camry LE $1,090 $545 $91
Volkswagen Jetta SE 2.5 Station Wagon $1,104 $552 $92
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in specific zip code location which can decrease or increase price quotes noticeably.

Car Insurance Rates for Popular SUVs and Crossovers in Maryland
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX 4WD $1,142 $571 $95
Chevrolet Suburban LS 2WD $1,116 $558 $93
Chevrolet Traverse LS AWD $974 $487 $81
Ford Escape XLT 2WD $924 $462 $77
Ford Explorer Limited AWD $1,116 $558 $93
GMC Acadia SLE AWD $1,090 $545 $91
Honda CR-V EX-L 2WD $948 $474 $79
Honda Fit Sport $912 $456 $76
Honda Pilot Touring 4WD $1,116 $558 $93
Hyundai Tucson GLS 2WD $1,002 $501 $84
Jeep Grand Cherokee Limited 2WD $1,182 $591 $99
Subaru Forester X Premium AWP AWD $1,038 $519 $87
Toyota Highlander 4WD $1,116 $558 $93
Toyota RAV4 Sport 2WD $1,090 $545 $91
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate quotes do not factor in vehicle location which can increase or decrease premium rates substantially.

Insurance Rates for Popular Pickup Trucks in Maryland
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LTZ Crew Cab 2WD $1,340 $670 $112
Chevrolet Silverado LT Crew Cab 2WD $1,250 $625 $104
Dodge Ram 2500 Mega Cab Laramie 4WD $1,276 $638 $106
Dodge Ram Crew Cab TRX 2WD $1,184 $592 $99
Ford F-150 XL Crew Cab 2WD $1,026 $513 $86
Ford F-250 Lariat Crew Cab 4WD $1,404 $702 $117
Ford F-350 Super Cab Lariat 4WD $1,536 $768 $128
GMC Sierra 2500HD SLE Crew Cab 2WD $1,314 $657 $110
GMC Sierra Denali Crew Cab 2WD $1,272 $636 $106
Toyota Tundra SR/5 Crew Max 2WD $1,158 $579 $97
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Prices do not factor in Maryland location which can revise rates noticeably.

When buying car insurance for postal employees, one of the key things that affect the amount you pay for auto insurance is where you live in Maryland. Areas that are densely populated or have higher claim frequency like Baltimore, Towson, and Aspen Hill are more likely to pay higher prices, whereas areas with less crime or weather claims receive better rates.

The information below displays the more expensive cities in Maryland for postal workers to purchase car insurance in.

Car insurance prices in Maryland
Rank City Annual Premium
1 Baltimore $1,814
2 Woodlawn $1,657
3 Towson $1,527
4 Dundalk $1,505
5 Aspen Hill $1,478
6 Essex $1,474
7 Silver Spring $1,432
8 Waldorf $1,431
9 Catonsville $1,417
10 Bowie $1,404
11 Glen Burnie $1,383
12 Wheaton $1,321
13 Gaithersburg $1,317
14 Severn $1,288
15 Germantown $1,275
16 Rockville $1,264
17 Columbia $1,263
18 Annapolis $1,255
19 Bethesda $1,252
20 North Bethesda $1,243
21 Ellicott City $1,233
22 Potomac $1,224
23 Bel Air South $1,210
24 Hagerstown $1,020
25 Frederick $1,004
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Rate quotes are approximated as the garaging address in Maryland can impact price quotes substantially.

Allstate, Progressive, State Farm, and Geico compared

If you are looking for the best car insurance for postal employees, the companies with the most market share are Allstate, Progressive, State Farm, and Geico. The following table breaks down some of the ratings and options you can expect with each one.

Ratings for Allstate, Progressive, State Farm, and Geico
Allstate Progressive State Farm Geico
Handling of Claims 1st 4th 2nd 3rd
Discounts Offered 1st 4th 3rd 2nd
Overall Cost 4th 3rd 2nd 1st
Customer Satisfaction 2nd 3rd 4th 1st
Market share percentage 10% 8.8% 18.3% 11.4%
Rating from A.M. Best A+ A+ A++ A++
Roadside service Yes Yes Yes Yes
Mechnical breakdown No Yes No Yes
New car replacement coverage Yes No No No
Rating based on usage Yes Yes Yes No
Coverage for ridesharing Yes Yes Yes Yes
Accident forgiveness coverage Yes Yes No Yes
Types of agents used Only buy from Allstate agents Online or from independent agents Only from State Farm agents Can buy online or use a Geico agent
Number of agents 11,000+ 30,000+ 18,000+ 150+
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