Compare Ocean City, MD Car Insurance Rates (2021)

Car insurance in Ocean City, MD averages $308 a month. Ocean City, Maryland car insurance requirements are 30/60/15, but you might need full coverage insurance if your car is financed. To find cheap Ocean City car insurance rates, compare quotes from the top car insurance companies in Ocean City, MD.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Ocean City is Nationwide
  • Average car insurance rates in Ocean City, MD after a DUI are $4,360/year
  • The cheapest car insurance company in Ocean City for teen drivers is USAA

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

You’ll find Ocean City car insurance rates, the cheapest Ocean City, MD car insurance companies, and information on Maryland car insurance laws. You can also compare Ocean City, Maryland car insurance rates to College Park car insurance rates, Rockville car insurance rates, and Salisbury car insurance rates.

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

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

How do age, gender, and marital status affect Ocean City, MD car insurance rates? Every Ocean City, 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 Ocean City, 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 $1,935 $2,113 $2,182 $2,508 $5,742 $6,569 $1,654 $1,754
Liberty Mutual $5,536 $5,536 $5,472 $5,472 $10,820 $16,074 $5,536 $7,484
Nationwide $1,543 $1,551 $1,400 $1,442 $3,498 $4,591 $1,773 $1,908
Progressive $2,039 $1,847 $1,782 $1,817 $7,082 $7,733 $2,366 $2,318
State Farm $1,845 $1,845 $1,691 $1,691 $5,798 $7,430 $2,057 $2,326
USAA $1,673 $1,643 $1,562 $1,558 $3,703 $4,369 $1,925 $2,146

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Minimum Car Insurance in Ocean City, MD

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

Minimum Required Car Insurance Coverage in Ocean City, 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 Ocean City, MD Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Ocean City, Maryland

Insurance Company Poor Fair Good
Allstate $5,287 $3,707 $3,293
GEICO $3,463 $2,872 $2,837
Liberty Mutual $11,074 $7,128 $5,022
Nationwide $2,811 $2,007 $1,821
Progressive $4,262 $3,186 $2,670
State Farm $4,514 $2,678 $2,064
USAA $3,091 $2,126 $1,751

Cheapest Ocean City, 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 Ocean City, MD to rates for a clean record with top companies.

Annual Ocean City, Maryland Car 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 $2,179 $3,375 $4,081 $2,593
Liberty Mutual $5,622 $7,365 $10,922 $7,056
Nationwide $1,954 $2,604 $2,086 $2,208
Progressive $2,889 $3,801 $3,488 $3,313
State Farm $2,768 $3,473 $3,050 $3,050
USAA $1,829 $2,240 $3,253 $1,968

Cheapest Ocean City, MD Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ocean City, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,754 $9,049
GEICO $5,742 $6,569
Liberty Mutual $10,820 $16,074
Nationwide $3,498 $4,591
Progressive $7,082 $7,733
State Farm $5,798 $7,430
USAA $3,703 $4,369

Cheapest Ocean City, MD Car Insurance for Seniors

Take a look at Ocean City, 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 Ocean City, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,641 $2,710
GEICO $2,182 $2,508
Liberty Mutual $5,472 $5,472
Nationwide $1,400 $1,442
Progressive $1,782 $1,817
State Farm $1,691 $1,691
USAA $1,562 $1,558

Cheapest Ocean City, MD Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ocean City, Maryland

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,640
GEICO $4,081
Liberty Mutual $10,922
Nationwide $2,086
Progressive $3,488
State Farm $3,050
USAA $3,253

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Cheapest Ocean City, MD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ocean City, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,039 $4,152
GEICO $3,004 $3,110
Liberty Mutual $7,532 $7,950
Nationwide $2,213 $2,213
Progressive $3,373 $3,373
State Farm $3,007 $3,164
USAA $2,251 $2,394

The Best Cheap Car Insurance Companies in Ocean City, MD

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

Average Annual Car Insurance Rates by Company in Ocean City, Maryland

Insurance Company Average Annual Rates
Allstate $4,095
GEICO $3,057
Liberty Mutual $7,741
Nationwide $2,213
Progressive $3,373
State Farm $3,085
USAA $2,323

Category Winners: Cheapest Car Insurance in Ocean City, Maryland

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

Best Annual Car Insurance Rates by Company in Ocean City, Maryland

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

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Cheapest Ocean City, MD Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Ocean City, Maryland

Insurance Company Low Medium High
Allstate $4,009 $4,075 $4,202
GEICO $2,951 $3,038 $3,183
Liberty Mutual $7,513 $7,722 $7,989
Nationwide $2,124 $2,219 $2,297
Progressive $3,229 $3,373 $3,516
State Farm $2,926 $3,094 $3,236
USAA $2,206 $2,330 $2,432

What affects car insurance rates in Ocean City, Maryland?

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

Car Theft in Ocean City

High levels of vehicle theft can make car insurance more expensive. Ocean City, MD car theft statistics from the FBI indicate 17 vehicle thefts a year.

Commute Time in Ocean City

The more time you spend in your car the higher the risk of an accident. The average commute length in Ocean City, MD is 21.4 minutes according to City-Data.

Compare Car Insurance Quotes in Ocean City, MD

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

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