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How much is car insurance in Capitol Heights?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Capitol Heights will typically run you about $18 a month more than in the rest of Maryland.
Similarly, drivers in Capitol Heights may pay higher rates than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $59 cheaper than it is in Capitol Heights.
These may be the average auto insurance rates for Capitol Heights, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
We've analyzed the average rate for Capitol Heights and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||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 rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement, however, you may see your rates climb back up a bit 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 $144 per month while male drivers pay about $137.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. The rate for drivers in Capitol Heights with a single accident on their record is about $140 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $199 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$166|
|15 Years or Older||$140|
The most affordable vehicles to insure in Capitol Heights are by and large trucks and vans, which run about $116 per month.
SUV drivers will see rates of about $141 to insure their car, while car owners usually pay around $142 a month.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. In Capitol Heights, 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)||$150|
On average, married policyholders will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Capitol Heights is no exception, with the difference totaling to around $45 a month.
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. Renters can expect to pay around $11 a month more than homeowners in Capitol Heights. Those who live with their parents, however, 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 Capitol Heights, MD
Recent trends in car insurance for Capitol Heights 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 Capitol Heights, the rates for auto insurance had been increasing from 2017-2019, when they reached a high of $177. This leveled out in 2020, when rates began to decrease. This trend has continued through the present, where rates recently hit $154.
How does Capitol Heights compare to neighboring areas?
Why are car insurance rates in Capitol Heights different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:
- Local laws
- Amount of drivers in the region
- General road safety (how many accidents each locality has)
- Access to off-street parking
- Local crime rates
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. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Capitol Heights?
Equipping 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.
Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies providing auto coverage in Capitol Heights.
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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 age and gender, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Capitol Heights different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Capitol Heights?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Capitol Heights?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Capitol Heights 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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