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How much is car insurance in Bowie?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $4 a month cheaper to insure your vehicle in Bowie than it is in the rest of Maryland.
That being said Bowie residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $37 more expensive than the national average to insure your vehicle in Bowie.
While these are the average car insurance rates for Bowie, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
Don't worry, we've done the work for you and broken down average rates for Bowie to help you get a more accurate idea of what you'll be charged for your policy. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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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 on the road, the more experienced of a driver you are. That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
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 climb back up a bit in Bowie.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in Bowie is about $10 per month. As you can see in the chart above, car insurance for women in the area typically costs around $112 each month, while men pay $122 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. In Bowie, a driving record with one accident will usually get you a rate around $144 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $138.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$124|
|15 Years or Older||$111|
In Bowie, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $94 per month to insure their vehicle.
SUV drivers will see rates of about $136, while the rates for car owners average out to about $116 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Bowie, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$128|
The difference in rates based on relationship status in Bowie is about $42 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$142|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $8 less than homeowners in Bowie. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Bowie, MD
Recent trends in car insurance for Bowie drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Bowie, auto insurance rates rose from 2017-2020, before steadying out in 2021. Car insurance rates finished up in 2022, at $129 per month
How does Bowie compare to neighboring areas?
Why are car insurance rates in Bowie different from other areas?
Car insurance companies will take into account many factors when they're choosing how much to charge for a policy. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Total number of drivers in the region
- Prevalence of crime
- Access to off-street parking
- Area laws
- General road safety (how many accidents each locality has)
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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 Bowie?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Bowie.
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Bowie Insurance FAQs
What factors affect car insurance quotes in Bowie?
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 driving record, address, credit score, and marital status.
Why is the cost of car insurance in Bowie different from other neighboring cities?
Things like local laws, parking situations, and crime rates, 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 Bowie?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Bowie?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Bowie or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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