Halethorpe, MD Car Insurance

On average, Halethorpe drivers pay a monthly average rate of around $128 for their car insurance. Learn more in our handy guide below.
How does Halethorpe stack up to the rest of the area, or even Maryland as a whole? What can Halethorpe residents expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Halethorpe?

Area Average Monthly Car Insurance Premium
Halethorpe$128
MD$120
United States$80

As you can see, car insurance policies across the rest of Maryland are about $8 a month cheaper than the rates drivers pay in Halethorpe.

Similarly, residents of Halethorpe might expect to pay higher rates for coverage than the rest of the country. The cost of insuring a vehicle in Halethorpe is about $48 more expensive than the average rate for the rest of the U.S.

While these are the average car insurance rates for Halethorpe, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've analyzed the average rate for Halethorpe and broken down the different factors to help you understand what your monthly bill might look like. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$191
25-34$125
35-44$144
45-54$98
55-64$67
65+$78

The longer you've been on the road, the more experienced of a driver you are. 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 $113 more than someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, your rates may rise again in Halethorpe.

Average Car Insurance Rates by Gender

Gender Average
Male$125
Female$132

Although women typically pay less than men do for insurance coverage, this is not the case in Halethorpe, where female drivers pay around $132 per month while male drivers pay about $125.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$181
Multiple Accidents$240
1 Ticket$520
Multiple TicketsNot Enough Data

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. Drivers in Halethorpe with a single accident will pay around $181 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $520.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$176
2-3 Years$136
4-5 Years$156
6-7 Years$141
8-10 Years$121
11-14 Years$113
15 Years or Older$134

The cheapest vehicles to insure in Halethorpe are by and large trucks and vans, with each type typically costing about $117 per month.

Car owners can expect to pay an average of around $124 a month for their policy, while SUVs usually cost around $148 a month to insure.

Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Halethorpe, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$143
Married$94
Divorced$90
Widowed$58

Generally, those who have settled down into marriage will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Halethorpe as well, where the difference is around $49 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$113
Rent$133
Live with parents$137

Another factor that comes into play is your housing situation. In Halethorpe, homeowners 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.

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 Halethorpe, MD

Recent trends in car insurance for Halethorpe drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

The cost of auto insurance coverage in Halethorpe increased from 2016-2019, before leveling out in 2020. Policy premiums finished up in 2021, at $157 a month

How does Halethorpe compare to neighboring areas?

Why are car insurance rates in Halethorpe different from other areas?

When considering how much to charge for coverage, car insurance companies will review several factors. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Total amount of drivers in the community
  • Frequency of car accidents
  • Local crime rates
  • Amount of off-street parking
  • Area laws

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing 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 Halethorpe?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Don't worry, Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in Halethorpe.

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Halethorpe Insurance FAQs

What factors affect car insurance quotes in Halethorpe?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Halethorpe different from other neighboring cities?

Things like crime rates, parking situations, and local laws, 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 Halethorpe?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Halethorpe?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Halethorpe 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.

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