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How much is car insurance in Beltsville?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Maryland, coverage in Beltsville is about $26 a month cheaper.
On the other hand, the expected monthly payments for an auto insurance policy in Beltsville are above the national average. You can expect to pay about $14 more for your policy in Beltsville.
These may be the average auto insurance rates for Beltsville, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Beltsville residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay $65 more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may rise again in Beltsville.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for insurance coverage, this is not the case in Beltsville, where female drivers pay around $102 per month while male drivers pay about $90.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Beltsville with a single accident will pay around $93 a month.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$105|
|15 Years or Older||$101|
According to the first table above, the cheapest vehicles to insure in Beltsville are by and large SUVs, at $87 per month.
SUV owners, on the other hand, typically pay around $87 per month, while truck and van drivers can expect to pay about $101 a month to insure their car.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Beltsville are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$104|
Generally, people who are married will pay slightly less for auto insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Beltsville, with married couples paying about $26 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $5 less than those who own their own home in Beltsville. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you 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
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The cost of car insurance coverage in Beltsville went up from 2016-2019, before steadying out in 2020. Car insurance rates finished up in 2021, at $114 per month
How does Beltsville compare to neighboring areas?
Why are car insurance rates in Beltsville different from other areas?
There are many factors car insurance companies take into consideration when deciding how much to charge for coverage. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Rate of crime
- Off-street parking access
- Community regulations
- Number of drivers in the region
- Frequency of car accidents
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Beltsville?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Beltsville.
Beltsville Insurance FAQs
What factors affect car insurance quotes in Beltsville?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Beltsville different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Beltsville?
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 Beltsville?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Beltsville or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.