Best Cheap Auto Insurance in Royal Oak, MD (2021)

The average Royal Oak, MD auto insurance rates are $310 per month. The minimum auto insurance in Royal Oak is at least 30/60/15 in coverage to comply with Maryland auto insurance laws. To find the best cheap auto insurance in Royal Oak, 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: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Royal Oak is Nationwide
  • The most expensive auto insurance company in Royal Oak for teen drivers is Liberty Mutual
  • The minimum auto insurance required in Royal Oak, Maryland is 30/60/15

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

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

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

Minimum Auto Insurance in Royal Oak, Maryland

Royal Oak, 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 Royal Oak, Maryland.

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

Auto insurance rates in Royal Oak, 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 Royal Oak, 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 $2,789 $2,692 $2,641 $2,710 $7,754 $9,049 $2,546 $2,582
GEICO $1,908 $2,077 $2,145 $2,448 $5,623 $6,468 $1,623 $1,733
Liberty Mutual $5,759 $5,759 $5,692 $5,692 $11,293 $16,796 $5,759 $7,799
Nationwide $1,534 $1,544 $1,392 $1,435 $3,472 $4,556 $1,762 $1,898
Progressive $2,001 $1,821 $1,748 $1,780 $6,873 $7,527 $2,327 $2,296
State Farm $1,877 $1,877 $1,713 $1,713 $5,835 $7,486 $2,089 $2,368
USAA $1,629 $1,605 $1,513 $1,518 $3,553 $4,205 $1,890 $2,113

Cheap Royal Oak, Maryland Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Royal Oak, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,754 $9,049
GEICO $5,623 $6,468
Liberty Mutual $11,293 $16,796
Nationwide $3,472 $4,556
Progressive $6,873 $7,527
State Farm $5,835 $7,486
USAA $3,553 $4,205

Cheap Royal Oak, Maryland Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Royal Oak, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,641 $2,710
GEICO $2,145 $2,448
Liberty Mutual $5,692 $5,692
Nationwide $1,392 $1,435
Progressive $1,748 $1,780
State Farm $1,713 $1,713
USAA $1,513 $1,518

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

Annual Royal Oak, Maryland Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,640 $4,796 $3,640 $4,307
GEICO $2,144 $3,316 $3,995 $2,558
Liberty Mutual $5,883 $7,691 $11,339 $7,361
Nationwide $1,942 $2,588 $2,073 $2,194
Progressive $2,827 $3,709 $3,412 $3,239
State Farm $2,804 $3,505 $3,084 $3,084
USAA $1,778 $2,165 $3,157 $1,913

Cheap Royal Oak, Maryland Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Royal Oak, Maryland

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,640
GEICO $3,995
Liberty Mutual $11,339
Nationwide $2,073
Progressive $3,412
State Farm $3,084
USAA $3,157

Cheap Royal Oak, Maryland Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Royal Oak, Maryland

Insurance Company Poor Fair Good
Allstate $5,287 $3,707 $3,293
GEICO $3,401 $2,821 $2,787
Liberty Mutual $11,543 $7,430 $5,233
Nationwide $2,793 $1,994 $1,810
Progressive $4,168 $3,113 $2,610
State Farm $4,564 $2,707 $2,087
USAA $3,005 $2,059 $1,695

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Cheap Royal Oak, Maryland Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Royal Oak, Maryland

ZIP Code Average Annual Rates
21662 $3,162

Cheap Royal Oak, Maryland Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Royal Oak, Maryland

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,039 $4,152
GEICO $2,952 $3,055
Liberty Mutual $7,850 $8,288
Nationwide $2,199 $2,199
Progressive $3,297 $3,297
State Farm $3,041 $3,198
USAA $2,183 $2,323

Cheap Royal Oak, Maryland Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Royal Oak, Maryland

Insurance Company Low Medium High
Allstate $4,009 $4,075 $4,202
GEICO $2,905 $2,986 $3,119
Liberty Mutual $7,835 $8,049 $8,321
Nationwide $2,113 $2,204 $2,280
Progressive $3,161 $3,297 $3,432
State Farm $2,966 $3,128 $3,265
USAA $2,145 $2,260 $2,354

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Best By Category: Cheapest Auto Insurance in Royal Oak, Maryland

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

Best Annual Auto Insurance Rates by Company in Royal Oak, 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 Royal Oak, Maryland Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Royal Oak, Maryland

Insurance Company Average Annual Rates
Allstate $4,095
GEICO $3,003
Liberty Mutual $8,069
Nationwide $2,199
Progressive $3,297
State Farm $3,119
USAA $2,253

Compare Royal Oak, Maryland Auto Insurance Quotes

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