Lutherville Timonium, MD Car Insurance

On average, Lutherville Timonium drivers pay a monthly average rate of around $86 for their car insurance. We cover plan rates, policies and more in our guide below.
How does Lutherville Timonium stack up to the rest of the area, or even Maryland as a whole? What can Lutherville Timonium residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Lutherville Timonium?

Area Average Monthly Car Insurance Premium
Lutherville Timonium$86
MD$120
United States$80

Car insurance coverage in Lutherville Timonium is about $34 cheaper than it is in the rest of Maryland.

Conversely, residents of Lutherville Timonium might expect to pay higher rates for coverage than the rest of the country. It's about $6 more for coverage in Lutherville Timonium than in the rest of the U.S.

Bear in mind that while these are the average car insurance rates for Lutherville Timonium, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

Don't sweat it however, we've broken down average rates for Lutherville Timonium residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. 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 18Not Enough Data
18-24$103
25-34$104
35-44$81
45-54Not Enough Data
55-64$71
65+$76

It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may start to rise again in Lutherville Timonium.

Average Car Insurance Rates by Gender

Gender Average
Male$79
Female$96

Although female drivers pay, on average, less than male drivers to insure their vehicle, Lutherville Timonium actually defies this trend. While female drivers pay $96 per month for auto insurance, males only pay about $79.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$104
Multiple Accidents$150
1 Ticket$100
Multiple Tickets$124

Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Lutherville Timonium with a single accident on their record will usually see rates around $104 a month. Likewise, drivers with one ticket will be looking at a rate of around $100 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$125
2-3 Years$105
4-5 Years$91
6-7 Years$91
8-10 Years$71
11-14 Years$90
15 Years or Older$75

In Lutherville Timonium, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $67 per month for insurance coverage.

Car owners can expect to pay an average of around $92 a month for their policy, while SUVs usually cost around $78 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, the most expensive vehicles to insure are going to be newer ones. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Lutherville Timonium, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$94
Married$75
Divorced$75
Widowed$65

Generally, people who are married will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Lutherville Timonium is no exception, with the difference totaling to around $19 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$67
Rent$102
Live with parents$75

Another factor taken into consideration is your living accommodations. If you rent your home or apartment in Lutherville Timonium, expect to pay around $35 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Lutherville Timonium, MD

Recent trends in car insurance for Lutherville Timonium drivers

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

In Lutherville Timonium, the rates for car insurance decreased from 2016-2017, before rising from 2018-2020. They finished down in 2021 at $102.

How does Lutherville Timonium compare to neighboring areas?

Why are car insurance rates in Lutherville Timonium different from other areas?

There are a lot of factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:

  • Rate of crime
  • Amount of off-street parking
  • Amount of drivers in the region
  • Laws
  • Rate of car accidents

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Lutherville Timonium?

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.

Good news! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Lutherville Timonium.

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Lutherville Timonium Insurance FAQs

What factors affect car insurance quotes in Lutherville Timonium?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Lutherville Timonium 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 Lutherville Timonium?

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 Lutherville Timonium?

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 Lutherville Timonium 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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