Best Cheap Auto Insurance in Laurel, MD (2021)

The average Laurel, MD auto insurance rates are $431 per month. The minimum auto insurance in Laurel is at least 30/60/15 in coverage to comply with Maryland auto insurance laws. To find the best cheap auto insurance in Laurel, 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 minimum auto insurance required in Laurel, Maryland is 30/60/15
  • The most expensive auto insurance company in Laurel for teen drivers is Liberty Mutual
  • Average auto insurance rates in Laurel, MD for senior drivers are $3,376 per year

Laurel, Maryland auto insurance requirements are 30/60/15 according to Maryland auto insurance laws. Finding cheap auto insurance in Laurel 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 Laurel, Maryland, including driving record, credit, commute time, and more.

Compare auto insurance in Laurel to other Maryland cities, including Rockville auto insurance rates, Bowie auto insurance rates, and Annapolis auto insurance rates to see how Laurel, Maryland auto insurance rates stack up.

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

Minimum Auto Insurance in Laurel, Maryland

Laurel, 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 Laurel, Maryland.

Minimum Required Auto Insurance Coverage in Laurel, 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 Laurel, Maryland Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Laurel, 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 Laurel, 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 $3,954 $3,780 $3,792 $3,892 $11,894 $14,007 $3,541 $3,575
GEICO $2,669 $2,924 $3,039 $3,520 $8,049 $9,145 $2,285 $2,398
Liberty Mutual $7,861 $7,861 $7,771 $7,771 $15,242 $22,580 $7,861 $10,581
Nationwide $2,153 $2,161 $1,946 $2,004 $5,037 $6,627 $2,492 $2,684
Progressive $2,662 $2,390 $2,313 $2,367 $9,563 $10,437 $3,093 $3,006
State Farm $2,626 $2,626 $2,421 $2,421 $8,134 $10,399 $2,937 $3,305
USAA $2,148 $2,109 $2,010 $2,002 $4,782 $5,637 $2,470 $2,754

Cheap Laurel, Maryland Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Laurel, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,894 $14,007
GEICO $8,049 $9,145
Liberty Mutual $15,242 $22,580
Nationwide $5,037 $6,627
Progressive $9,563 $10,437
State Farm $8,134 $10,399
USAA $4,782 $5,637

Cheap Laurel, Maryland Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Laurel, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,792 $3,892
GEICO $3,039 $3,520
Liberty Mutual $7,771 $7,771
Nationwide $1,946 $2,004
Progressive $2,313 $2,367
State Farm $2,421 $2,421
USAA $2,010 $2,002

Cheap Laurel, 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 Laurel, Maryland compared to the annual auto insurance rates with a clean record in Laurel, Maryland.

Annual Laurel, Maryland Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,345 $7,149 $5,345 $6,379
GEICO $3,014 $4,699 $5,722 $3,580
Liberty Mutual $7,897 $10,376 $15,533 $9,957
Nationwide $2,760 $3,709 $2,953 $3,130
Progressive $3,817 $5,079 $4,622 $4,397
State Farm $3,902 $4,917 $4,308 $4,308
USAA $2,348 $2,884 $4,195 $2,529

Cheap Laurel, Maryland Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Laurel, Maryland

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,345
GEICO $5,722
Liberty Mutual $15,533
Nationwide $2,953
Progressive $4,622
State Farm $4,308
USAA $4,195

Cheap Laurel, Maryland Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Laurel, Maryland

Insurance Company Poor Fair Good
Allstate $7,855 $5,473 $4,836
GEICO $4,823 $3,994 $3,945
Liberty Mutual $15,631 $10,078 $7,113
Nationwide $4,016 $2,836 $2,562
Progressive $5,642 $4,242 $3,552
State Farm $6,378 $3,782 $2,915
USAA $3,987 $2,734 $2,247

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Cheap Laurel, Maryland Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Laurel, Maryland

ZIP Code Average Annual Rates
20708 $4,523
20723 $4,277

Cheap Laurel, Maryland Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Laurel, Maryland

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,968 $6,141
GEICO $4,181 $4,326
Liberty Mutual $10,649 $11,233
Nationwide $3,138 $3,138
Progressive $4,479 $4,479
State Farm $4,245 $4,472
USAA $2,896 $3,082

Cheap Laurel, Maryland Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Laurel, Maryland

Insurance Company Low Medium High
Allstate $5,879 $6,008 $6,277
GEICO $4,095 $4,225 $4,442
Liberty Mutual $10,618 $10,914 $11,291
Nationwide $3,006 $3,148 $3,259
Progressive $4,264 $4,478 $4,695
State Farm $4,121 $4,372 $4,583
USAA $2,828 $2,999 $3,140

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Best By Category: Cheapest Auto Insurance in Laurel, Maryland

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

Best Annual Auto Insurance Rates by Company in Laurel, 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 Laurel, Maryland Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Laurel, Maryland

Insurance Company Average Annual Rates
Allstate $6,055
GEICO $4,254
Liberty Mutual $10,941
Nationwide $3,138
Progressive $4,479
State Farm $4,359
USAA $2,989

What affects auto insurance rates in Laurel, Maryland?

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

Laurel Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Laurel, Maryland auto theft statistics, there have been 78 auto thefts in the city.

Laurel Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Laurel, Maryland commute length is 35.9 minutes according to City-Data.

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Compare Laurel, Maryland Auto Insurance Quotes

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