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How much is car insurance in Capitol Heights?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Capitol Heights are about $17 a month more expensive than the rest of Maryland.
Drivers relocating the Capitol Heights should take note of the differences in average rates. It's about $57 more expensive than the national average to insure your vehicle in Capitol Heights.
While these numbers represent the average monthly payments for coverage in Capitol Heights, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down average rates for Capitol Heights residents so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates climb back up a bit once you hit retirement age in Capitol Heights.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for car insurance coverage, this is not the case in Capitol Heights, where female drivers pay around $142 per month while male drivers pay about $132.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Capitol Heights, a driving record with one accident will usually get you a rate around $138 a month. Similarly, drivers with one ticket will typically pay around $194 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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||$166|
|15 Years or Older||$137|
In terms of affordable coverage, the cheapest vehicles to insure in Capitol Heights are by and large trucks and vans, at $115 per month.
Car owners, on the other hand, typically pay around $141 per month, while SUV drivers can expect to pay about $130 a month for auto insurance.
Vehicle age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Capitol Heights, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$146|
More often than not, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Capitol Heights can be as much as $37 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$117|
One other element taken into consideration is your living accommodations. If you rent your home or apartment in Capitol Heights, expect to pay around $4 a month more than if you are a homeowner. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Capitol Heights, MD
Recent trends in car insurance for Capitol Heights drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for auto insurance in Capitol Heights went up from 2016-2019, before steadying out in 2020. They finished up in 2021, at $213 per month
How does Capitol Heights compare to neighboring areas?
Why are car insurance rates in Capitol Heights different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Community regulations
- Off-street parking availability
- Amount of drivers in the area
- Crime rates
- Road safety
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Capitol Heights?
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.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Capitol Heights.
Capitol Heights Insurance FAQs
What factors affect car insurance quotes in Capitol Heights?
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 Capitol Heights different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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 Capitol Heights?
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 Capitol Heights?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Capitol Heights 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.