How Much Does Auto Insurance Cost for 17 Year Olds in Maryland?

How Much Does Auto Insurance Cost for 17 Year Olds in Maryland?

The cost and performance of the vehicle you are buying coverage for is a significant factor in finding economical insurance for 17 year olds. Vehicles with lower performance, a plethora of safety features, or a low likelihood of liability claims will cost significantly less to insure than adrenaline junky models. The next lists illustrates insurance costs for a handful of the cheaper automobiles to buy coverage for.

Auto Insurance Rates for Popular Cars in Maryland
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LT $4,166 $2,083 $347
Ford Focus SES 2-Dr Coupe $4,696 $2,348 $391
Ford Fusion Sport AWD 4-Dr Sedan $4,642 $2,321 $387
Honda Accord EX 4-Dr Sedan $3,482 $1,741 $290
Honda Civic GX 4-Dr Sedan $4,574 $2,287 $381
Hyundai Sonata Limited 4-Dr Sedan $4,730 $2,365 $394
Kia Optima SX $4,730 $2,365 $394
Nissan Altima 3.5 SR 4-Dr Sedan $4,388 $2,194 $366
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Table data represents single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in garaging location in Maryland which can influence coverage prices significantly.

Insurance Rates for Popular SUVs and Crossovers in Maryland
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Traverse LS 2WD $3,516 $1,758 $293
Ford Escape XLS 2WD $3,482 $1,741 $290
Ford Expedition Eddie Bauer 2WD $3,992 $1,996 $333
Ford Explorer Limited 2WD $4,166 $2,083 $347
GMC Acadia SLE 2WD $3,912 $1,956 $326
Honda CR-V LX 4WD $3,482 $1,741 $290
Honda Fit $3,202 $1,601 $267
Honda Pilot Touring 4WD $4,166 $2,083 $347
Hyundai Tucson GLS 4WD $3,912 $1,956 $326
Jeep Grand Cherokee Limited 2WD $4,388 $2,194 $366
Jeep Patriot Limited 2WD $4,132 $2,066 $344
Toyota Highlander 2WD $3,912 $1,956 $326
Toyota RAV4 Sport 4WD $4,132 $2,066 $344
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Cost estimates assume single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can revise auto insurance rates significantly.

Auto 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 $4,984 $2,492 $415
Chevrolet Silverado LTZ Extended Cab 4WD $4,388 $2,194 $366
Dodge Ram 3500 Crew Cab SLT 2WD $4,676 $2,338 $390
Dodge Ram Crew Cab Laramie 4WD $4,984 $2,492 $415
Ford F-150 FX2 Super Cab 2WD $3,912 $1,956 $326
Ford F-250 Lariat Crew Cab Turbo Diesel 4WD $5,334 $2,667 $445
GMC Canyon SLE Ext Cab Z71 4WD $4,132 $2,066 $344
GMC Sierra 3500HD SLE Regular Cab 4WD $5,300 $2,650 $442
GMC Sierra SLT Extended Cab 2WD $4,388 $2,194 $366
Toyota Tundra SR/5 Double Cab 4WD $4,508 $2,254 $376
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Data rating is based on single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in garaging location in Maryland which can modify premiums considerably.

Deciding which company has the cheapest auto insurance rates for 17 year olds may require more work than just picking a company at random. Every car insurance company uses a little different formula for filing rates in each state, so we’ll take a look at the auto insurance companies that tend to be cheaper in Maryland.

Best Insurance Companies for Teens

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Rankings for the cheapest Maryland auto insurance companies
Rank Company Cost Per Year
1 USAA $948
2 Liberty Mutual $1,092
3 Penn National $1,093
4 Erie $1,161
5 State Auto $1,178
6 Amica $1,347
7 MetLife $1,386
8 Travelers $1,426
9 Nationwide $1,435
10 GEICO $1,442
11 California Casualty $1,484
12 State Farm $1,646
13 Allstate $1,662
14 Progressive $2,149
15 Encompass $2,516
16 Victoria $2,963
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USAA may offer some of the most affordable car insurance rates in Maryland at around $948 a year. Liberty Mutual, Penn National, Erie, and State Auto also make the cut as some of the more affordable Maryland auto insurance companies.

As the example above demonstrates, if you are a policyholder with Penn National and switched to USAA, you may realize an annual savings of around $145. Customers with Erie could save as much as $213 a year, and State Auto policyholders might cut rates by $230 a year.

Remember that these rates are averages across all drivers and vehicles in Maryland and are not factoring in a rate increase for 17 year olds. So the auto insurance company that can offer you the best rate may not even be shown in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own personal information and vehicle type.

How to find a good Maryland auto insurance company

Picking the highest-rated auto insurance company is difficult considering how many companies there are in Maryland. The company ratings shown below may help you select which auto insurance companies to look at when comparing auto insurance rates for 17 year olds. The rankings below are only made up of insurance companies that insure vehicles in the majority of U.S. states, so smaller companies are not factored into the list.

Top 10 Large Car Insurance Companies in Maryland Ranked by A.M. Best Rating

  1. Travelers – A++
  2. GEICO – A++
  3. State Farm – A++
  4. USAA – A++
  5. Nationwide – A+
  6. Allstate – A+
  7. The Hartford – A+
  8. Progressive – A+
  9. Titan Insurance – A+
  10. Esurance – A+

Top 10 Large Car Insurance Companies Overall in Maryland

  1. Travelers
  2. USAA
  3. AAA Insurance
  4. Nationwide
  5. Allstate
  6. State Farm
  7. The Hartford
  8. Safeco Insurance
  9. Progressive
  10. American Family

How to find low-cost auto insurance for 17 year olds

The list below shows some of the recommended penny-pinching ideas that can help Maryland drivers quote more affordable car insurance.

  • Remain accident-free and save
  • Drive vehicles with five-star safety ratings
  • Tickets and violations raise rates
  • Good credit can save money
  • Higher comprehensive and collision coverage deductibles will save money
  • Shop your coverage around for the best deal

The last idea is especially vital, as was discussed in this article. Car insurance rates can be modified anytime, so don’t be unwilling to switch companies if you find a better deal.

Brand loyalty is great, but it’s not recommended if that devotedness results in you overpaying a small fortune. In less than five minutes you could shop around to find cheaper insurance for 17 year olds.