Beltsville, MD Car Insurance

What rates can residents of Beltsville expect to pay for their car insurance? How does Beltsville stack up to the rest of the area, or even Maryland as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in Beltsville?

Auto insurance coverage in Beltsville is about $18 cheaper than it is in the rest of Maryland.

On the other hand, Beltsville residents will likely pay higher rates for their insurance policy than the rest of the country. The cost of insuring a vehicle in Beltsville is about $23 more expensive than the average rate for the rest of the U.S.

Although these are the average car insurance rates in Beltsville, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've done the heavy lifting for you and broken down the average rate for Beltsville so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

The older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Drivers in Beltsville may see their rates climb back up once they hit retirement age.

Average Car Insurance Rates by Gender

While women typically pay less than men do for auto insurance, Beltsville goes against the grain. Female drivers typically pay around $9 more per month to insure their car than their male counterparts.

Average Auto Insurance Rates by Driving Record

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records can expect to pay less than those with accidents or violations. In Beltsville, a driving record with one accident will usually get you a rate around $104 a month. In addition, drivers with one ticket can expect to pay around $100 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

The cheapest vehicles to insure in Beltsville are typically SUVs, with each type typically costing about $97 per month.

Truck and van drivers will see rates of about $101 for insurance coverage, while car owners usually pay around $106 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your rates begin to drop back down. In Beltsville, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

According to the table above, the difference in rates based on relationship status in Beltsville can be as much as $37 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $11 a month more than if you own your own home in Beltsville. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Beltsville, MD

Recent trends in car insurance for Beltsville drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.

Car insurance rates in Beltsville had been increasing from 2017-2019, before steadying out in 2020. They finished down in 2022, at $114 per month

How does Beltsville compare to neighboring areas?

Why are car insurance rates in Beltsville different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider several factors. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

• Area regulations
• Crime levels
• Availability of off-street parking
• Total number of drivers in the region
• General road safety (how many accidents each locality has)

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Beltsville?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies providing policies in Beltsville.

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Beltsville Insurance FAQs

What factors affect car insurance quotes in Beltsville?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, address, marital status and driving record.

Why is the cost of car insurance in Beltsville different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Beltsville?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Beltsville?

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?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Beltsville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?