Ellicott City, MD Car Insurance

What rates should residents of Ellicott City expect to pay for their car insurance? How does Ellicott City compare to the surrounding area and the rest of Maryland? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Ellicott City?

Based on the above chart, auto insurance policies in Ellicott City are about $25 a month cheaper than in the rest of Maryland.

That being said the expected monthly payments for an auto insurance policy in Ellicott City are above the national average. The average monthly payment for the rest of the U.S. is about is about $16 cheaper than it is in Ellicott City.

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 to get car insurance. 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 Ellicott City so that you can get a more accurate idea of what your monthly bill might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Average Car Insurance Rates by Age

More time behind the wheel makes you a more experienced driver. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 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. Having said that, once you approach retirement your rates may begin to increase again in Ellicott City.

Average Car Insurance Rates by Gender

Female drivers pay, on average, slightly less than their male counterparts. In Ellicott City, male drivers pay about $12 more a month. Based on the chart above, you can see that male drivers pay $100 on average, while female drivers typically pay $88 each month.

Average Auto Insurance Rates by Driving Record

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Ellicott City with one accident will pay around $123 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $114.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

In Ellicott City, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $70 per month to insure their vehicle.

SUV drivers will see rates of about $82, while the rates for car owners average out to about $102 per month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. In Ellicott City, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Generally speaking, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in Ellicott City reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $35 a month.

Average Car Insurance Rates by Housing Situation

Your living situation is another factor that affects your monthly rate. Homeowners in Ellicott City can expect to pay around $18 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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 premiums.

Car Insurance Companies in Ellicott City, MD

Recent trends in car insurance for Ellicott City drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

The cost of auto insurance in Ellicott City went up steadily from 2017-2021. It finished down in 2022, at $85.

How does Ellicott City compare to neighboring areas?

Why are car insurance rates in Ellicott City different from other areas?

When considering how much to charge for coverage, car insurance companies will review numerous factors. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:

• Number of drivers
• Local laws
• Off-street parking availability
• Frequency of car accidents
• Prevalence of crime

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Ellicott City?

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 will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing auto coverage in Ellicott City.

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Ellicott City Insurance FAQs

What factors affect car insurance quotes in Ellicott City?

Car insurance companies calculate quotes based on a wide array of factors. These include things 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 Ellicott City different from other neighboring cities?

Parking situations, local laws, and crime rates -- 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 Ellicott City?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Ellicott City?

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 Ellicott City 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.