District Heights, MD Car Insurance

On average, District Heights drivers pay around $126 a month for their car insurance. Read our guide below to learn more about your specific rates.
How do rates in District Heights measure up compared to neighboring areas, including Maryland as a whole? What rates should residents of District Heights expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in District Heights?

Area Average Monthly Car Insurance Premium
District Heights$126
MD$120
United States$80

As you can see in the chart above, it is around $6 a month more expensive to insure your vehicle in District Heights than it is in the rest of Maryland.

Similarly, drivers in District 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 $46 cheaper than it is in District Heights.

While these are the average car insurance rates for District Heights, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for coverage. 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.

Don't sweat it however, we've broken down average rates for District Heights residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$168
25-34$133
35-44$126
45-54$113
55-64$106
65+$83

The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates climb back up in District Heights.

Average Car Insurance Rates by Gender

Gender Average
Male$139
Female$110

In general, women pay slightly less for car insurance than men. The difference in average rates in District Heights totals about $29 a month. As you can see in the table above, female drivers in the area typically pay $110 on average, while female drivers typically pay $139 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$157
Multiple Accidents$212
1 TicketNot Enough Data
Multiple Tickets$162

Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In District Heights, a driving record with a single accident will usually get you a rate around $157 a month.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. 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$131
2-3 Years$213
4-5 Years$185
6-7 Years$118
8-10 Years$113
11-14 Years$114
15 Years or Older$113

In terms of affordable coverage, the cheapest vehicles to insure in District Heights are by and large trucks and vans, at $109 per month.

Car owners, on the other hand, typically pay around $132 per month, while SUV drivers can expect to pay about $111 a month for insurance coverage.

Vehicle age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In District 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)$136
Married$95
Divorced$76
Widowed$79

On average, married policyholders will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in District Heights can be as much as $41 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$124
Rent$126
Live with parents$155

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $2 a month more than if you own your own home in District Heights. Those who live with their parents, however, can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.

Car Insurance Companies in District Heights, MD

Recent trends in car insurance for District 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 car insurance in District Heights rose from 2016-2019, when they reached a high of $148. Car insurance rates began to decrease in 2020, and this trend has continued through 2021, when rates have most recently hit $122.

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 a monthly rate, car insurance companies will consider several 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:

  • Road Safety (frequency of car accidents)
  • Off-street parking availability
  • Total number of drivers in the community
  • Community laws
  • Regional crime rates

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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?

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.

Luckily, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies providing policies in District Heights.

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District Heights Insurance FAQs

What factors affect car insurance quotes in District Heights?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

Why is the cost of car insurance in District Heights different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in District Heights?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to District Heights or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes