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How much is car insurance in Essex?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $26 a month more expensive to insure your vehicle in Essex than it is in the rest of Maryland.
If you're considering relocating to Essex from out of state, you may want to budget a little extra for your insurance. It's around $66 more expensive to insure your vehicle in Essex compared to the average rate for the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. 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 Essex 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 that you're paying the lowest option, simply enter your ZIP below and find out!
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. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay $133 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Essex may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Essex, although women do pay a bit less on their monthly premiums, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Essex with a single accident on their record will usually see rates around $153 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$171|
|15 Years or Older||$122|
The cheapest vehicles to insure in Essex are by and large trucks and vans, with each type typically costing about $126 per month.
Car owners can expect to pay an average of around $150 a month for their policy, while SUVs usually cost around $144 a month to insure.
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 around 5 years old, you might start to see your rates slide back down slightly. In Essex, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$160|
Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Essex can be as much as $56 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$202|
Another factor taken into consideration is your living accommodations. In Essex, homeowners can expect to pay around $23 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Essex, MD
Recent trends in car insurance for Essex 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.
In Essex, auto insurance rates decreased from 2016-2017, when they reached a low of $139. This leveled out in 2018, when policy premiums began to increase. They hit a high of $211 in 2020, and finished at $153 in 2021.
How does Essex compare to neighboring areas?
Why are car insurance rates in Essex different from other areas?
Car insurance companies will take into account many factors when they're figuring out how much to charge for a policy. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Amount of drivers in the region
- Road Safety (total number of local car accidents)
- Area crime rates
- Amount of off-street parking
- Local regulations
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge 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 particular neighborhood.
How can I find the cheapest car insurance in Essex?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from the many car insurance companies providing plans in Essex.
Essex Insurance FAQs
What factors affect car insurance quotes in Essex?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Essex different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, 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 Essex?
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 Essex?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Essex or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.