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How much is car insurance in Annapolis?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Maryland is about $21 a month more expensive than it is in Annapolis.
On the other hand, the expected monthly payments for an auto insurance policy in Annapolis are above the national average. The cost of insuring a vehicle in Annapolis is about $20 more expensive than the average rate for the rest of the U.S.
While these are the average car insurance rates for Annapolis, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
We've broken down average rates for Annapolis to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, you may see your rates climb back up in Annapolis.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Annapolis, although men do pay a bit less on their monthly insurance rates, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Annapolis with a single accident will pay around $137 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $102.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$146|
|15 Years or Older||$95|
According to the first table above, the cheapest vehicles to insure in Annapolis are by and large SUVs, at $83 per month.
Car owners, on the other hand, usually pay around $107 a month, while truck and van drivers can expect to pay about $88 per month for car insurance coverage.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Annapolis, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$107|
Overall, those who are currently married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Annapolis as well, where the difference is around $24 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
Another factor that comes into play is your living accommodations. Drivers who own property in Annapolis can expect to pay around $9 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Annapolis, MD
Recent trends in car insurance for Annapolis drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
Auto insurance rates in Annapolis decreased from 2017-2018, before increasing from 2019-2020. They finished up in 2022 at $114.
How does Annapolis compare to neighboring areas?
Why are car insurance rates in Annapolis different from other areas?
Car insurance companies take in many factors when figuring out how much individual insurance policies will cost. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Prevalence of crime
- Number of drivers in the community
- Access to off-street parking
- Regional regulations
- Frequency of car accidents
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Annapolis?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer coverage in Annapolis.
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Annapolis Insurance FAQs
What factors affect car insurance quotes in Annapolis?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Annapolis different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Annapolis?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Annapolis?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Annapolis or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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