Table of contents
How much is car insurance in Middle River?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Middle River will typically run you about $37 a month more than in the rest of Maryland.
Likewise, the expected monthly payments for an auto insurance policy in Middle River are above the national average. The average monthly payment for the rest of the U.S. is about is about $77 cheaper than it is in Middle River.
While these are the average car insurance rates for Middle River, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Middle River residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement age your rates may climb back up in Middle River.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Middle River, where male drivers pay about $44 more per month. As you can see in the table above, male drivers in the area typically pay $176 on average, while female drivers typically pay $132 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay much less than those with infractions. Drivers in Middle River with one accident will pay around $204 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $139.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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||$125|
|15 Years or Older||$129|
In Middle River, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $114 per month for insurance coverage.
SUV drivers will see rates of about $149 to insure their car, while car owners usually pay around $166 a month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Middle River are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$168|
Generally speaking, those who are currently married will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Middle River is about $38 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$191|
Your housing situation is another component of how insurance companies calculate your monthly rate. In Middle River, homeowners can expect to pay around $1 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Middle River, MD
Recent trends in car insurance for Middle River 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 Middle River, auto insurance rates rose consistently from 2016 through the present, where they hit $229 per month in 2021.
How does Middle River compare to neighboring areas?
Why are car insurance rates in Middle River different from other areas?
Car insurance companies look at many factors when they're deciding how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Amount of drivers in the region
- Local crime rates
- Community laws
- Off-street parking access
- Road Safety (frequency of local car accidents)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Middle River?
Equipping 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 has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Middle River in no time.
Middle River Insurance FAQs
What factors affect car insurance quotes in Middle River?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Middle River 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 Middle River?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Middle River?
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?
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 Middle River 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?