Table of contents
How much is car insurance in Ellicott City?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $27 a month cheaper to insure your vehicle in Ellicott City than it is in the rest of Maryland.
On the other hand, residents of Ellicott City might expect to pay higher rates for coverage than the rest of the country. The cost of auto coverage in Ellicott City is about $13 more expensive than the national average.
Keep in mind that while these are the average car insurance rates for Ellicott City, it isn't guaranteed that it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down the average rate for Ellicott City 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 for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates begin to increase again once you hit retirement age in Ellicott City.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Ellicott City, the difference comes out to about $7 per month. As you can see in the table above, male drivers in the area typically pay $95 on average, while female drivers typically pay $88 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Ellicott City, a driving record with a single accident will usually get you a rate around $121 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $117 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$99|
|15 Years or Older||$78|
The cheapest vehicles to insure in Ellicott City are by and large trucks and vans, with each type typically costing about $75 per month.
SUV drivers will see rates of about $80, while the rates for car owners average out to about $97 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop 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
|Relationship||Average Monthly Premium|
|Single (never married)||$100|
On average, people who are married will pay slightly less to insure their car. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Ellicott City is no exception, with the difference totaling to around $32 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
Your living accommodations is another component of how insurance companies calculate your monthly rate. In Ellicott City, homeowners can expect to pay around $10 a month less than those who rent. But those who live at home with their parents can expect to pay significantly 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 overall costs.
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.
In Ellicott City, auto insurance rates had been decreasing from 2016-2017, before rising from 2018-2020. They finished down in 2021 at $110.
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 an insurance policy, car insurance companies will evaluate a lot of factors. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Total number of drivers
- Road Safety (how many accidents each locality has)
- Access to off-street parking
- Local crime rates
- Regional laws
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Ellicott City?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Ellicott City.
Ellicott City Insurance FAQs
What factors affect car insurance quotes in Ellicott City?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Ellicott City different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Ellicott City?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Ellicott City?
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?
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.