Table of contents
How much is car insurance in Clinton?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $8 a month cheaper to insure your vehicle in Clinton than it is in the rest of Maryland.
Compared to the national average cost of auto coverage, Clinton has higher rates. It's about $32 more expensive for coverage in Clinton than the average rates for the U.S. as a whole.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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.
We've done the heavy lifting for you and broken down the average rate for Clinton so that you can get a more accurate idea of what your monthly bill might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may creep back up in Clinton.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Clinton, the difference is around $11 per month. Based on the chart above, you can see that female drivers pay around $105 on average, while male drivers typically pay $116 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Clinton, a driving record with a single accident will usually get you a rate around $143 a month. In addition, drivers with one ticket can expect to pay around $138 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$120|
|15 Years or Older||$111|
According to the first table above, the cheapest vehicles to insure in Clinton are usually trucks and vans, at $98 per month.
Car owners will see a monthly rate of about $113, while SUV owners by and large pay around $108 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Newer vehicles are generally 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 Clinton, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$118|
Generally speaking, those who have settled down into marriage will pay slightly less for car insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Clinton is no exception, with the difference totaling to around $35 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$143|
Another factor that comes into play is your living situation. Renters can expect to pay around $13 a month more than drivers who own property in Clinton. Those who live with their parents, however, 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 Clinton, MD
Recent trends in car insurance for Clinton drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
The cost of insurance in Clinton went up from 2016-2018, before steadying out in 2019. Car insurance rates finished down in 2021, at $154 per month
How does Clinton compare to neighboring areas?
Why are car insurance rates in Clinton different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for coverage. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Off-street parking access
- Local laws
- Amount of drivers
- General road safety (how many accidents each locality has)
- Local crime rates
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Clinton?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, 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. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Clinton.
Clinton Insurance FAQs
What factors affect car insurance quotes in Clinton?
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 vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Clinton 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, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Clinton?
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 Clinton?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Clinton 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.