Dundalk, MD Car Insurance

Are rates in Dundalk higher or lower than those in neighboring areas? How do they compare to the rest of Maryland? How much can residents of Dundalk expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in Dundalk?

Car insurance policies in Dundalk are about $23 a month more expensive than the rest of Maryland.

Similarly, Dundalk residents will likely pay higher rates for their insurance policy than the rest of the country. It's around $64 more expensive for coverage in Dundalk than the average rates seen in the rest of the U.S.

Keep in mind that these are the average auto insurance rates for Dundalk, and that the rate you get could end up being something different. There are a variety of factors that car insurance companies assess when determining 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.

We've analyzed the average rate for Dundalk and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

It would make sense that older drivers have more driving experience, right? That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement, however, you may see your rates rise again in Dundalk.

Average Car Insurance Rates by Gender

In general, female drivers pay less for car insurance than their male counterparts. The price to insure your car in Dundalk, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Dundalk, a driving record with a single accident will usually get you a rate around $168 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $153 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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

In terms of affordable coverage, the cheapest vehicles to insure in Dundalk are by and large trucks and vans, at $129 per month.

Car owners, on the other hand, typically pay around $149 a month, while SUV drivers can expect to pay about $145 per month for insurance.

Vehicle age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is about 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Dundalk are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

On average, people who are married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

At a national level, single drivers usually pay more than married couples do for auto insurance. Dundalk follows that pattern, with the difference totaling to around $44 a month.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your housing status. In Dundalk, homeowners can expect to pay around $16 a month less than those who rent. 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 Dundalk, MD

Recent trends in car insurance for Dundalk 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.

Auto insurance rates in Dundalk rose from 2017-2020, when they reached a high of $182. Rates began to decrease in 2021, and this trend has continued through 2022, when rates have most recently hit $150.

How does Dundalk compare to neighboring areas?

Why are car insurance rates in Dundalk different from other areas?

Car insurance companies take in a variety of factors when figuring out how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:

• Regional laws
• General road safety (how many accidents each locality has)
• Local crime rates
• Number of drivers in the area
• Availability of off-street parking

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. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Dundalk?

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.

Good news! Compare.com can handle all of this for you. Enter your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies providing coverage in Dundalk.

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Dundalk Insurance FAQs

What factors affect car insurance quotes in Dundalk?

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, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Dundalk 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, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

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

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 Dundalk?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Dundalk or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.