Compare Royal Oak, MD Car Insurance Rates (2021)

Car insurance in Royal Oak, MD averages $310 a month. Royal Oak, Maryland car insurance requirements are 30/60/15, but you might need full coverage insurance if your car is financed. To find cheap Royal Oak car insurance rates, compare quotes from the top car insurance companies in Royal Oak, 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 Royal Oak for teen drivers is USAA
  • Average car insurance rates in Royal Oak, MD after a DUI are $4,386/year
  • The cheapest car insurance company in Royal Oak is Nationwide

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

You’ll find Royal Oak car insurance rates, the cheapest Royal Oak, MD car insurance companies, and information on Maryland car insurance laws. You can also compare Royal Oak, Maryland car insurance rates to Salisbury car insurance rates, Bowie car insurance rates, and Annapolis car insurance rates.

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

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

How do age, gender, and marital status affect Royal Oak, MD car insurance rates? Every Royal Oak, 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 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

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Minimum Car Insurance in Royal Oak, MD

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

Minimum Required Car 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

Cheapest Royal Oak, MD Car Insurance Rates by Credit Score

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

Annual Car 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

Cheapest Royal Oak, 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 Royal Oak, MD to rates for a clean record with top companies.

Annual Royal Oak, 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 $2,144 $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

Cheapest Royal Oak, MD Car Insurance for Teen Drivers

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

Annual Car 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

Cheapest Royal Oak, MD Car Insurance for Seniors

Take a look at Royal Oak, 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 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

Cheapest Royal Oak, MD Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car 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

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Cheapest Royal Oak, MD Car Insurance Rates by Commute Length

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

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

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

The Best Cheap Car Insurance Companies in Royal Oak, MD

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

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Royal Oak, Maryland

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

Best Annual Car 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

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Cheapest Royal Oak, MD Car Insurance Rates by Coverage Level

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

Annual Car 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

Compare Car Insurance Quotes in Royal Oak, MD

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

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