Cheapest Car Insurance Quotes for Drivers with Accidents in Maryland

When talking about car insurance, the word affordable should never appear as a descriptor for car insurance rates. It’s just reality that cheap auto insurance for drivers with accidents does not exist. But fear not, because we are going to show you some ways you can find coverage that is easy on your budget.

Trying to buy affordable insurance is tough enough, and deciding which companies quote the lowest-priced car insurance rates for drivers with accidents will involve even more perseverance. Insurance rates will most likely be somewhat higher than the average price in Maryland, with the higher price attributed to the additional risk that goes along with selling coverage for drivers with at-fault accidents, but affordable coverage may be possible if you are thorough. Each auto insurance company has a unique formula to set their prices, so we’ll go over the car insurance companies that tend to have lower prices in Maryland.

It’s important to know that Maryland car insurance rates are based on many factors which can substantially decrease or increase the cost of coverage. Simply turning a year older, moving to a different location, or getting caught speeding can cause premium changes that can make some companies higher when they were quite affordable.

Lowest Insurance Price Quotes for Accident Prone Drivers

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google.charts.setOnLoadCallback(drawMDT5qcibChart);function drawMDT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 930, ‘#F05050’], [‘Penn National’, 1093, ‘#C84242’], [‘Liberty Mutual’, 1114, ‘#A63737’], [‘Erie’, 1149, ‘#8A2D2D’], [‘State Auto’, 1226, ‘#732525’]]);var options = {title: ‘Low-Cost Auto Insurance Companies in Maryland’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1326,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

USAA generally has some of the most affordable car insurance rates in Maryland at around $930 a year. Penn National, Liberty Mutual, Erie, and State Auto are also some of the most economical Maryland insurance companies.

In the above rates, if you are a customer of Liberty Mutual and switched to USAA, you might realize annual savings of in the neighborhood of $184. Policyholders with Erie could save as much as $219 a year, and State Auto insureds might lower prices by $296 a year.

Be aware that those estimates are averages for all drivers and vehicles and do not take into consideration a rate surcharge for drivers with accidents. So the insurer that can offer you the best price may not even be shown in the company chart above. That’s why you need to get auto insurance quotes using your own specific driver information and vehicle.

The make and model of vehicle to be insured is a large consideration when comparison shopping for affordable auto insurance for drivers with accidents. Vehicles with lower performance, an excellent safety record, or a low likelihood of liability claims will cost significantly less to insure than fast, unsafe models. The data below estimates car insurance prices for the cheaper vehicles to buy coverage for.

Prices above based on single female driver age 50, no speeding tickets, two at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in specific location information which can modify insurance rates substantially.

Looking at the rates, we can conclude that models like the Honda CR-V, Chevrolet Traverse, and Toyota Prius are most likely going to be some of the cheaper vehicles to insure for drivers with at-fault accidents. The cost of a car insurance policy will be more costly just because there is more liability risk for drivers with accidents, but overall those models will most likely have the cheapest car insurance rates compared to other types of vehicles.

The example below demonstrates how deductibles can change yearly insurance costs when researching cheap insurance for drivers with accidents. The information is based on a married female driver, comp and collision included, and no discounts are taken into consideration.

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The data above shows that a 40-year-old driver could cut expenses by $278 a year by switching from a $100 deductible to a $500 deductible, or save $420 by switching to a $1,000 deductible. Even younger insureds, like the Age 20 category, could potentially save up to $690 each year just by choosing higher deductibles. If you make the decision to raise deductibles, it is essential to have additional funds squirreled away to be able to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Cautious drivers save money

A great way to earn the cheapest auto insurance for drivers with accidents in Maryland is to drive safe and maintain a clean driving record. The chart below illustrates how violations and at-fault collisions can increase car insurance rates for each different age category. The data is based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 4063,5007,5959],[‘Age 30’, 2797,3743,4697],[‘Age 40’, 2599,3543,4497],[‘Age 50’, 2273,3215,4171],[‘Age 60’, 2195,3137,4093],[‘Age 70’, 2563,3507,4463]]);var options = {title: ‘Impact of Tickets and Accidents on Maryland Car Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Maryland’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of a car insurance policy in Maryland per year with no accidents and a clean driving record is $2,748. Factor in two speeding tickets and the average cost rises to $3,692, an increase of $944 each year. Now include one accident along with the two speeding tickets and the 12-month cost of car insurance for drivers with accidents jumps again to an average of $4,647. That’s an increase of $1,898, or $158 per month, just for not being more responsible behind the wheel!

Allstate, Progressive, State Farm, and Geico: Who is cheapest?

If you’re looking for the best car insurance, the first places to look would be Allstate, Progressive, State Farm, and Geico. The next table illustrates some of the different options that are available from each company.

Who has the cheapest insurance quotes for drivers with at-fault accidents?

You have many ways to quote car insurance rates in Maryland, but the most common methods are from an exclusive insurance agency such as Liberty Mutual or Allstate, an independent insurance agent, or buying direct from a company like Progressive or Geico. Each way has the same basic process, but they are slightly different in how they give price quotes.

Independent insurance agencies have contracts with multiple insurance companies and can compare coverage rates with every one. These types of agents will quote rates with many companies, which may provide you with the best shot at cutting your rates. If your agent finds a cheaper company, an independent agent can move your coverage and you won’t have to switch agencies.

Exclusive agents are usually just provide rates from a single insurance company, two examples being Allstate or State Farm agents. Exclusive agencies are unable to provide prices from multiple companies, so you will not be able to compare multiple prices.

Drivers who opt to buy car insurance direct forego a local insurance agent and buy direct either online or via phone. Shopping direct may be good for people who have fewer assets and understand how car insurance works and possible exclusions.

So which of the methods works best to buy the cheapest auto insurance for drivers with accidents in Maryland? It would be premature to say buying from a direct company results in the best prices since that eliminates agent commissions, but that does not always hold true. It could also be said buying car insurance from an independent agent is the best way since they have access to many companies, but again, it’s not necessarily true. In a lot of cases, exclusive agencies have price quotes that are the cheapest.

Because it’s impossible to say who has the best car insurance rates, the guaranteed way to find out which one is cheapest is to compare rate quotes from as many companies as possible. Put in the effort to get prices from all three types to have a good selection of rates to choose from. For a list of companies with cheap rates in Maryland, click here to view.