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How much is car insurance in Essex?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Maryland are about $36 a month cheaper than the rates drivers pay in Essex.
Likewise, Essex residents will likely pay higher rates for their insurance policy than the rest of the country. The average monthly payment in Essex is about $77 more expensive than the rate for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Essex, that doesn't mean it's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. 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.
Don't worry, we've done the work for you and broken down average rates for Essex to help you get a more accurate idea of what you'll be charged for your policy. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay twice 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. That said, once you hit retirement age, your rates may begin to increase again in Essex.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Essex, this difference shakes out to about $10 per month. Looking at the table above, you can see that female drivers pay around $152 on average, while male drivers typically pay $162 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly 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. The rate for drivers in Essex with a single accident on their record is about $170 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $169 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$171|
|15 Years or Older||$143|
The most affordable vehicles to insure in Essex are typically trucks and vans, which run about $131 per month.
Car owners can expect to pay an average of around $169 a month for their policy, while SUVs usually cost around $147 a month to insure.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. 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)||$171|
Generally, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Essex as well, where the difference is around $64 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$208|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $32 a month more than those who own their own home in Essex. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Essex, MD
Recent trends in car insurance for Essex 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.
In Essex, car insurance rates increased consistently from 2017-2021. They finished down in 2022, at $167.
How does Essex compare to neighboring areas?
Why are car insurance rates in Essex different from other areas?
Car insurance companies take in several factors when deciding how much individual insurance policies will cost. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Crime levels
- Road Safety (how many accidents each locality has)
- Off-street parking accessibility
- Total amount of drivers in the area
- Community laws
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Essex?
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.
But wait! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Essex.
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Essex Insurance FAQs
What factors affect car insurance quotes in Essex?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
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 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 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Essex or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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