Cheapest Auto Insurance for Infrequent Drivers in Maryland

Cheapest Auto Insurance for Infrequent Drivers in Maryland

It would sure make life easier if we could simply give you the name of the single best car insurance company that has the rock bottom lowest rates in Maryland. Unfortunately, it’s not that simple as there are a ton of unknown factors such as the liability claim history for your vehicle model, if you are married or single, if you are wanting full coverage, and whether or not you are currently insured. We are going to cover the different ways you can keep rates low and should give you a good start in finding the cheapest car insurance in Maryland.

For low mileage drivers, one of the largest components that is used by auto insurance companies to calculate insurance cost is the neighborhood you call home in Maryland. More populated areas like Baltimore, Dundalk, and Catonsville tend to have higher auto insurance costs, whereas more rural areas have the benefit of the cheapest auto insurance for infrequent drivers in Maryland.

The table below lists the most expensive cities in Maryland for infrequent drivers to purchase auto insurance in.

Maryland cities ranked by car insurance cost
Rank City Average Per Year
1 Baltimore $1,796
2 Woodlawn $1,657
3 Dundalk $1,505
4 Towson $1,482
5 Catonsville $1,475
6 Silver Spring $1,475
7 Bowie $1,432
8 Aspen Hill $1,420
9 Waldorf $1,417
10 Essex $1,416
11 Glen Burnie $1,383
12 Wheaton $1,361
13 Rockville $1,303
14 Severn $1,288
15 Columbia $1,275
16 Potomac $1,274
17 Annapolis $1,268
18 Gaithersburg $1,265
19 North Bethesda $1,256
20 Bethesda $1,252
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Information shown are comparative as the vehicle garaging location can revise premiums substantially.

Deciding which company has the best auto insurance rates for infrequent drivers takes a bit more effort in order to find a policy that fits your budget.

Every car insurance company has a different process for determining rates in each state, so to begin we’ll rank the auto insurance companies with the most affordable rates in Maryland. Keep in mind that Maryland auto insurance rates are determined by lots of factors that can increase the price you have to pay for coverage. Improving your credit score, increasing deductibles, or getting a driving violation can trigger price changes resulting in some companies being much cheaper than others.

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Cheapest Maryland car insurance ranked by price
Rank Company Cost Per Year
1 USAA $930
2 Liberty Mutual $1,114
3 Penn National $1,126
4 Erie $1,149
5 State Auto $1,190
6 Amica $1,347
7 MetLife $1,386
8 Nationwide $1,421
9 Travelers $1,440
10 GEICO $1,442
11 California Casualty $1,529
12 State Farm $1,630
13 Allstate $1,645
14 Progressive $2,149
15 Encompass $2,516
16 Victoria $3,023
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USAA may have some of the best car insurance rates in Maryland at around $930 a year. Liberty Mutual, Penn National, Erie, and State Auto are also some of the best Maryland auto insurance companies.

As shown above, if you currently have a policy with Erie and switched to Liberty Mutual, you could realize savings of approxmiately $35. Maryland drivers with State Auto might save as much as $76 a year, and Amica policyholders might see rate reductions of $233 a year.

To find the cheapest auto insurance for infrequent drivers in Maryland for your vehicle, click here to get quotes or click through to the companies below.

Be aware that those policy prices are averaged for all insureds and vehicles and are not factoring in a price decrease for infrequent drivers. So the company that is best suited for you may not even be included in the list above. That affirms the importance of why you need to get auto insurance quotes using your own specific driver information and vehicle.

Discounts on the cheapest auto insurance for infrequent drivers in Maryland

Save on auto insurance for low mileage drivers in MarylandInsurance providers that offer coverage for infrequent drivers may also offer price discounts that could reduce prices by 35% or more if you are eligible to receive them. Popular auto insurance companies and some of the discounts include:

Auto Insurance Discounts for Popular Insurers
Discount Progressive Geico State Farm Allstate Liberty Mutual Nationwide Farmers
Bundled policies Yes Yes Yes Yes Yes Yes Yes
Multi-vehicle Yes Yes Yes No Yes Yes Yes
Anti-theft Yes Yes Yes Yes Yes Yes Yes
Anti-lock brakes No Yes Yes Yes Yes No No
Air bags No Yes Yes Yes Yes Yes Yes
Daytime running lights No Yes Yes No No No Yes
Newer vehicle No No Yes Yes No Yes Yes
Accident-free Yes Yes Yes Yes No Yes Yes
Defensive driving course Yes Yes Yes Yes No Yes Yes
Active duty military Yes Yes Yes No No No Yes
Affinity/occupation No Yes No No Yes Yes Yes
Paid in full Yes Yes No Yes Yes Yes Yes
Automatic payment Yes Yes No Yes Yes Yes Yes
Loyalty Yes No Yes No No Yes Yes
Early sign-up No No No Yes No Yes Yes
Good student Yes Yes Yes Yes Yes Yes Yes
Student away from home Yes No Yes Yes Yes Yes Yes
Homeowner Yes No No No No No Yes
Seat belt usage No Yes No No No No No
Online quote Yes No No No No No No
Teenage driver Yes No No No Yes No No
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The illustration below shows the comparison of auto insurance rates with and without discounts. The rate quotes are based on a male driver, a clean driving record, no claims, Maryland state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple policy, safe-driver, homeowner, multiple vehicle, defensive driving course, and anti-theft discounts applied. When taking advantage of discounts, the the average yearly reduction on auto insurance for infrequent drivers is 41% or $452.

The diagram below shows how different deductible levels can raise or lower insurance rates when getting quotes for cheap insurance for infrequent drivers. The information is based on a married male driver, full physical damage coverage, and no other discounts are factored in.

In the chart above, a 50-year-old driver could reduce rates by $284 a year by changing from a $100 deductible up to a $500 deductible, or save $428 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old chart data, can cut $942 every year by choosing a larger deductible amount.

When increasing deductibles, it is important to have spare funds to be able to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.