Compare Annapolis, MD Car Insurance Rates (2021)

Car insurance in Annapolis, MD averages $364 a month. Annapolis, Maryland car insurance requirements are 30/60/15, but you might need full coverage insurance if your car is financed. To find cheap Annapolis car insurance rates, compare quotes from the top car insurance companies in Annapolis, MD.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Annapolis for teen drivers is USAA
  • Average car insurance rates in Annapolis, MD after a DUI are $5,101/year
  • Average car insurance rates in Annapolis, MD are $4,373/year

If you need to buy Annapolis, Maryland car insurance, the options can be confusing. Everything you need to know about car insurance in Annapolis, MD is right here.

You’ll find Annapolis car insurance rates, the cheapest Annapolis, MD car insurance companies, and information on Maryland car insurance laws. You can also compare Annapolis, Maryland car insurance rates to Baltimore car insurance rates, College Park car insurance rates, and Frederick car insurance rates.

Ready to find affordable Annapolis, MD car insurance today? Enter your ZIP code for fast, free Annapolis car insurance quotes.

Cheapest Annapolis, MD Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Annapolis, MD car insurance rates? Every Annapolis, Maryland car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Annapolis, MD

Every driver must carry the minimum car insurance in Annapolis, MD. Take a look at the Maryland car insurance requirements.

Minimum Required Car 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

Cheapest Annapolis, MD Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Annapolis, MD. Compare credit history car insurance rates in Annapolis from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Annapolis, MD Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Annapolis, MD to rates for a clean record with top companies.

Annual Annapolis, Maryland Car 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

Cheapest Annapolis, MD Car Insurance for Teen Drivers

Teen car insurance in Annapolis, MD can be expensive. Take a look at rates from the top car insurance companies in Annapolis for teenagers.

Annual Car 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

Cheapest Annapolis, MD Car Insurance for Seniors

Take a look at Annapolis, MD senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Annapolis, MD Car Insurance Rates After a DUI

A DUI in Annapolis, MD increases car insurance rates. Compare Annapolis, Maryland DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Annapolis, Maryland

Insurance Company Annual Car 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

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Cheapest Annapolis, MD Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Annapolis, MD by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Annapolis, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Cheapest Annapolis, MD Car Insurance Rates by ZIP Code

Annapolis car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Annapolis, MD.

Annual Car 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

The Best Cheap Car Insurance Companies in Annapolis, MD

Take a look at a side-by-side comparison of the top car insurance companies in Annapolis, MD to find the best option for your needs.

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Annapolis, Maryland

Find the cheapest car insurance companies in Annapolis, MD for each category right here.

Best Annual Car 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

Cheapest Annapolis, MD Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Annapolis car insurance rates. Find the cheapest Annapolis, MD car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Annapolis, Maryland?

What factors can have an impact on Annapolis, MD car insurance? There are several reasons why Annapolis car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Annapolis, Maryland.

Car Theft in Annapolis

High levels of vehicle theft can make car insurance more expensive. Annapolis, MD car theft statistics from the FBI indicate 55 vehicle thefts a year.

Commute Time in Annapolis

The more time you spend in your car the higher the risk of an accident. The average commute length in Annapolis, MD is 27.7 minutes according to City-Data.

Traffic in Annapolis

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Annapolis, MD traffic data from INRIX ranks Annapolis as the 651st-most congested in the world.

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Compare Car Insurance Quotes in Annapolis, MD

Ready to find affordable Annapolis, Maryland car insurance today? Enter your ZIP code for fast, free Annapolis, MD car insurance quotes.

Free Car Insurance Comparison

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

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