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How much is car insurance in District Heights?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in District Heights are about the same as the rest of Maryland.
Similarly, District Heights residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $44 more expensive than the national average to insure your vehicle in District Heights.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for District Heights so that you can get a more accurate idea of what your policy will cost you. To find out if you're overpaying for your area, just enter your ZIP 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|
The more time you've spent on the road, the more experience you have. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay $90 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. District Heights drivers may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. This is true in District Heights, where women pay around $22 less a month. Based on the chart above, you can see that male drivers pay $135 on average, while female drivers typically pay $113 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in District Heights with one accident will pay around $151 a month. Likewise, drivers with one ticket will be looking at a rate of around $145 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$128|
|15 Years or Older||$115|
According to the first table above, the cheapest vehicles to insure in District Heights are typically SUVs, at $109 per month.
Car owners can expect to pay an average of around $130 a month for their policy, while truck and van drivers are usually around $115 to insure each month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in District Heights are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$133|
Generally, those who have settled down into marriage will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
The cost of auto insurance in District Heights reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $37 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$145|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $6 a month more than those who own their own home in District Heights. But if you live with your parents, you can expect to pay a lot 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 District Heights, MD
Recent trends in car insurance for District Heights drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In District Heights, the rates for auto insurance increased from 2017-2019, when they reached a high of $148. Policy premiums began to decrease in 2020, and this trend has continued through 2022, when rates have most recently hit $113.
How does District Heights compare to neighboring areas?
Why are car insurance rates in District Heights different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Prevalence of crime
- Rate of car accidents
- Access to off-street parking
- Amount of drivers in the area
- Community laws
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making 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 District Heights?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in District Heights.
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District Heights Insurance FAQs
What factors affect car insurance quotes in District Heights?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in District Heights different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in District Heights?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to District 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. 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 District Heights 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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