Best Cheap Auto Insurance in Annapolis, MD (2021)

The average Annapolis, MD auto insurance rates are $364 per month. The minimum auto insurance in Annapolis is at least 30/60/15 in coverage to comply with Maryland auto insurance laws. To find the best cheap auto insurance in Annapolis, Maryland, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The cheapest auto insurance company in Annapolis is USAA
  • Average auto insurance rates in Annapolis, MD for senior drivers are $2,841 per year
  • The most expensive auto insurance company in Annapolis for teen drivers is Liberty Mutual

Annapolis, Maryland auto insurance requirements are 30/60/15 according to Maryland auto insurance laws. Finding cheap auto insurance in Annapolis can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Annapolis, Maryland, including driving record, credit, commute time, and more.

Compare auto insurance in Annapolis to other Maryland cities, including Frederick auto insurance rates, Salisbury auto insurance rates, and College Park auto insurance rates to see how Annapolis, Maryland auto insurance rates stack up.

Before you buy Annapolis, Maryland auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Annapolis, Maryland auto insurance quotes.

Minimum Auto Insurance in Annapolis, Maryland

Annapolis, Maryland auto insurance laws require that you have at least the Maryland minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Annapolis, Maryland.

Minimum Required Auto Insurance Coverage in Annapolis, Maryland

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Cheap Annapolis, Maryland Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Annapolis, Maryland are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Annapolis, Maryland

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,698 $3,548 $3,546 $3,636 $11,076 $13,000 $3,327 $3,379
GEICO $2,299 $2,521 $2,628 $3,045 $7,051 $8,053 $1,971 $2,079
Liberty Mutual $5,953 $5,953 $5,885 $5,885 $11,550 $17,115 $5,953 $8,016
Nationwide $1,907 $1,912 $1,730 $1,777 $4,485 $5,867 $2,209 $2,375
Progressive $2,136 $1,927 $1,868 $1,907 $7,625 $8,330 $2,484 $2,430
State Farm $2,351 $2,351 $2,167 $2,167 $7,498 $9,602 $2,626 $2,968
USAA $1,889 $1,854 $1,767 $1,760 $4,204 $4,955 $2,171 $2,419

Cheap Annapolis, Maryland Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Annapolis, Maryland is a challenge. Take a look at the annual teen auto insurance rates in Annapolis, Maryland.

Annual Auto Insurance Rates for Teen Drivers in Annapolis, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,076 $13,000
GEICO $7,051 $8,053
Liberty Mutual $11,550 $17,115
Nationwide $4,485 $5,867
Progressive $7,625 $8,330
State Farm $7,498 $9,602
USAA $4,204 $4,955

Cheap Annapolis, Maryland Auto Insurance for Seniors

What are senior auto insurance rates in Annapolis, Maryland? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Annapolis, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,546 $3,636
GEICO $2,628 $3,045
Liberty Mutual $5,885 $5,885
Nationwide $1,730 $1,777
Progressive $1,868 $1,907
State Farm $2,167 $2,167
USAA $1,767 $1,760

Cheap Annapolis, Maryland Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Annapolis, Maryland compared to the annual auto insurance rates with a clean record in Annapolis, Maryland.

Annual Annapolis, Maryland Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,986 $6,664 $4,986 $5,968
GEICO $2,620 $4,091 $5,011 $3,102
Liberty Mutual $5,975 $7,859 $11,781 $7,541
Nationwide $2,453 $3,280 $2,622 $2,776
Progressive $3,069 $4,058 $3,705 $3,522
State Farm $3,552 $4,472 $3,920 $3,920
USAA $2,067 $2,536 $3,683 $2,224

Cheap Annapolis, Maryland Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Annapolis, Maryland is not easy. Compare the annual rates for DUI auto insurance in Annapolis, Maryland to find the best deal.

Annual Auto Insurance Rates After a DUI in Annapolis, Maryland

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,986
GEICO $5,011
Liberty Mutual $11,781
Nationwide $2,622
Progressive $3,705
State Farm $3,920
USAA $3,683

Cheap Annapolis, Maryland Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Annapolis, Maryland annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Annapolis, Maryland

Insurance Company Poor Fair Good
Allstate $7,328 $5,109 $4,517
GEICO $4,200 $3,480 $3,438
Liberty Mutual $11,848 $7,635 $5,385
Nationwide $3,549 $2,519 $2,280
Progressive $4,519 $3,397 $2,849
State Farm $5,797 $3,444 $2,658
USAA $3,498 $2,404 $1,980

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Cheap Annapolis, Maryland Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Annapolis, Maryland can vary. Compare the annual cost of auto insurance by ZIP code in Annapolis, Maryland to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Annapolis, Maryland

ZIP Code Average Annual Rates
21401 $3,746
21402 $3,694
21403 $3,729
21405 $3,775
21409 $3,707

Cheap Annapolis, Maryland Auto Insurance Rates By Commute

Commute length and annual mileage affect Annapolis, Maryland auto insurance. Find the cheapest annual Annapolis, Maryland auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Annapolis, Maryland

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,571 $5,732
GEICO $3,645 $3,767
Liberty Mutual $8,068 $8,511
Nationwide $2,783 $2,783
Progressive $3,588 $3,588
State Farm $3,866 $4,066
USAA $2,547 $2,708

Cheap Annapolis, Maryland Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Annapolis, Maryland? Check out the comparison of annual Annapolis, Maryland auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Annapolis, Maryland

Insurance Company Low Medium High
Allstate $5,518 $5,618 $5,818
GEICO $3,575 $3,685 $3,858
Liberty Mutual $8,050 $8,269 $8,548
Nationwide $2,663 $2,790 $2,895
Progressive $3,427 $3,591 $3,748
State Farm $3,751 $3,977 $4,171
USAA $2,491 $2,636 $2,755

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Best By Category: Cheapest Auto Insurance in Annapolis, Maryland

Compare the cheapest auto insurance companies in Annapolis, Maryland in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Annapolis, Maryland

Category Insurance Company
Teenagers USAA
Seniors Nationwide
Clean Record USAA
With 1 Accident USAA
With 1 DUI Nationwide
With 1 Speeding Violation USAA

The Cheapest Annapolis, Maryland Auto Insurance Companies

What auto insurance companies in Annapolis, Maryland are the cheapest? Compare the top Annapolis, Maryland auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Annapolis, Maryland

Insurance Company Average Annual Rates
Allstate $5,651
GEICO $3,706
Liberty Mutual $8,289
Nationwide $2,783
Progressive $3,588
State Farm $3,966
USAA $2,627

What affects auto insurance rates in Annapolis, Maryland?

There are a lot of reasons why auto insurance rates in Annapolis, Maryland are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Annapolis, Maryland. Many local factors may affect your Annapolis auto insurance rates.

Annapolis Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Annapolis, Maryland auto theft statistics, there have been 55 auto thefts in the city.

Annapolis Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Annapolis, Maryland commute length is 27.7 minutes according to City-Data.

Annapolis Traffic

How does Annapolis, Maryland rank for traffic? According to Inrix Annapolis, Maryland is the 651st most congested worldwide.

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Compare Annapolis, Maryland Auto Insurance Quotes

Before you buy Annapolis, Maryland auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Annapolis, Maryland auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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