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How much is car insurance in Greenbelt?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Greenbelt is about $19 cheaper than it is in the rest of Maryland.
On the other hand, residents of Greenbelt might expect to pay higher rates for coverage than the rest of the country. The cost of auto coverage in Greenbelt is about $22 more expensive than the national average.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
We've broken down the average rates for Greenbelt to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP 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|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may begin to go back up in Greenbelt.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Greenbelt, however, the difference in the monthly cost of coverage is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. The rate for drivers in Greenbelt with a single accident on their record is about $121 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $121 on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. 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||$116|
|15 Years or Older||$98|
In terms of affordable coverage, the cheapest vehicles to insure in Greenbelt are typically trucks and vans, at $74 per month.
SUV drivers will see rates of about $100 for auto insurance coverage, while car owners usually pay around $104 a month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Greenbelt, 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)||$110|
Generally speaking, those who have settled down into marriage will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
The cost of auto insurance in Greenbelt reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$143|
Another factor that comes into play is your living accommodations. Homeowners in Greenbelt can expect to pay around $20 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 Greenbelt, MD
Recent trends in car insurance for Greenbelt drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
Auto insurance rates in Greenbelt rose from 2017-2020, but began to decrease in 2021. This trend has continued through 2022 when rates have most recently reached $98.
How does Greenbelt compare to neighboring areas?
Why are car insurance rates in Greenbelt different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Off-street parking access
- Total amount of drivers in the area
- Frequency of car accidents
- Rate of crime
- Regional regulations
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 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 Greenbelt?
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.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Greenbelt.
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Greenbelt Insurance FAQs
What factors affect car insurance quotes in Greenbelt?
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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Greenbelt 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 Greenbelt?
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 Greenbelt?
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?
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 Greenbelt 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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