Compare Towson, MD Car Insurance Rates (2021)

Car insurance in Towson, MD averages $462 a month. Towson, Maryland car insurance requirements are 30/60/15, but you might need full coverage insurance if your car is financed. To find cheap Towson car insurance rates, compare quotes from the top car insurance companies in Towson, 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

  • Average car insurance rates in Towson, MD after a DUI are $6,580/year
  • The cheapest car insurance company in Towson is USAA
  • Average car insurance rates in Towson, MD are $5,543/year

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

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

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

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

How do age, gender, and marital status affect Towson, MD car insurance rates? Every Towson, 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 Towson, 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 $4,216 $4,025 $4,050 $4,168 $12,841 $15,223 $3,773 $3,786
GEICO $2,622 $2,877 $3,009 $3,489 $8,075 $9,197 $2,249 $2,360
Liberty Mutual $8,936 $8,936 $8,837 $8,837 $17,087 $25,190 $8,936 $11,940
Nationwide $2,602 $2,606 $2,349 $2,415 $6,225 $8,206 $3,029 $3,260
Progressive $2,700 $2,416 $2,348 $2,406 $9,999 $10,935 $3,148 $3,062
State Farm $2,492 $2,492 $2,302 $2,302 $7,546 $9,646 $2,789 $3,136
USAA $2,270 $2,224 $2,141 $2,123 $5,101 $5,981 $2,593 $2,888

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Minimum Car Insurance in Towson, MD

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

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

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

Annual Car Insurance Rates by Credit Score in Towson, Maryland

Insurance Company Poor Fair Good
Allstate $8,451 $5,883 $5,197
GEICO $4,801 $3,976 $3,927
Liberty Mutual $17,593 $11,371 $8,048
Nationwide $4,921 $3,463 $3,125
Progressive $5,804 $4,394 $3,682
State Farm $5,976 $3,549 $2,739
USAA $4,217 $2,899 $2,379

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

Annual Towson, Maryland Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,749 $7,700 $5,749 $6,843
GEICO $2,987 $4,679 $5,739 $3,534
Liberty Mutual $8,800 $11,629 $17,722 $11,198
Nationwide $3,367 $4,544 $3,608 $3,826
Progressive $3,940 $5,270 $4,759 $4,537
State Farm $3,660 $4,612 $4,041 $4,041
USAA $2,484 $3,061 $4,441 $2,675

Cheapest Towson, MD Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Towson, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,841 $15,223
GEICO $8,075 $9,197
Liberty Mutual $17,087 $25,190
Nationwide $6,225 $8,206
Progressive $9,999 $10,935
State Farm $7,546 $9,646
USAA $5,101 $5,981

Cheapest Towson, MD Car Insurance for Seniors

Take a look at Towson, 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 Towson, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,050 $4,168
GEICO $3,009 $3,489
Liberty Mutual $8,837 $8,837
Nationwide $2,349 $2,415
Progressive $2,348 $2,406
State Farm $2,302 $2,302
USAA $2,141 $2,123

Cheapest Towson, MD Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Towson, Maryland

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,749
GEICO $5,739
Liberty Mutual $17,722
Nationwide $3,608
Progressive $4,759
State Farm $4,041
USAA $4,441

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Cheapest Towson, MD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Towson, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,417 $6,603
GEICO $4,167 $4,303
Liberty Mutual $12,015 $12,660
Nationwide $3,836 $3,836
Progressive $4,627 $4,627
State Farm $3,980 $4,196
USAA $3,066 $3,264

Cheapest Towson, MD Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Towson, Maryland

ZIP Code Average Annual Rates
21204 $4,302
21252 $5,130
21286 $4,389

The Best Cheap Car Insurance Companies in Towson, MD

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

Average Annual Car Insurance Rates by Company in Towson, Maryland

Insurance Company Average Annual Rates
Allstate $6,510
GEICO $4,235
Liberty Mutual $12,337
Nationwide $3,836
Progressive $4,627
State Farm $4,088
USAA $3,165

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Category Winners: Cheapest Car Insurance in Towson, Maryland

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

Best Annual Car Insurance Rates by Company in Towson, Maryland

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

Cheapest Towson, MD Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Towson, Maryland

Insurance Company Low Medium High
Allstate $6,275 $6,447 $6,808
GEICO $4,081 $4,210 $4,414
Liberty Mutual $11,949 $12,306 $12,757
Nationwide $3,660 $3,851 $3,999
Progressive $4,388 $4,630 $4,862
State Farm $3,858 $4,100 $4,306
USAA $2,973 $3,176 $3,346

What affects car insurance rates in Towson, Maryland?

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

Commute Time in Towson

The more time you spend in your car the higher the risk of an accident. The average commute length in Towson, MD is 26.1 minutes according to City-Data.

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Compare Car Insurance Quotes in Towson, MD

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

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