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How much is car insurance in Catonsville?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Catonsville is about $17 a month more expensive than the rest of Maryland.
Likewise, residents of Catonsville might expect to pay higher rates for coverage than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $58 cheaper than it is in Catonsville.
While these are the average car insurance rates for Catonsville, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down the average rate for Catonsville residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates climb back up in Catonsville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This is true in Catonsville, where women pay around $34 less per month. As you can see in the table above, female drivers in the area typically pay $118 on average, while female drivers typically pay $152 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Catonsville, having a single accident on your record will usually get you rates around $217 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $105.
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||$114|
|15 Years or Older||$116|
The most affordable vehicles to insure in Catonsville are usually trucks and vans, which run about $98 per month.
Cars and SUVs, on the other hand, cost about the same to insure, around $144 per month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Catonsville, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$161|
On average, people who are married will pay slightly less for insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
In Catonsville, the difference in rates based on relationship status can be as much as $71 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$160|
One other element taken into consideration is your living accommodations. Renters can expect to pay around $58 a month more than drivers who own property in Catonsville. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Catonsville, MD
Recent trends in car insurance for Catonsville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The rates for auto insurance in Catonsville had been increasing consistently from 2017-2021. Rates finished down in 2022, at $122.
How does Catonsville compare to neighboring areas?
Why are car insurance rates in Catonsville different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Road Safety (total number of local car accidents)
- Off-street parking access
- Total drivers
Having an awareness of these factors is critical 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 Catonsville?
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.
But wait! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Catonsville.
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Catonsville Insurance FAQs
What factors affect car insurance quotes in Catonsville?
Car insurance companies calculate quotes based on a wide array of factors. These include things 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 Catonsville different from other neighboring cities?
Things like crime rates, parking situations, and local laws, 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 Catonsville?
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 Catonsville?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Catonsville or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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