Rosedale, MD Car Insurance

The average monthly cost for car insurance in Rosedale is about $167. To find out more check out our guide below.
How do rates in Rosedale measure up compared to neighboring areas, including Maryland as a whole? What rates can residents of Rosedale 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 Rosedale?

Area Average Monthly Car Insurance Premium
Rosedale$167
MD$120
United States$80

Coverage for your vehicle in Rosedale will typically run you about $47 a month more than in the rest of Maryland.

Likewise, drivers in Rosedale may pay higher rates than the rest of the country. Coverage in Rosedale is about $87 more expensive than it is for the rest of the U.S.

These rates may be the average amount Rosedale drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors 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.

We've broken down average rates for Rosedale to help you understand what your policy's monthly premium will cost. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$239
25-34$214
35-44$126
45-54Not Enough Data
55-64$102
65+$86

It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement age, however, you may see your rates climb back up a bit in Rosedale.

Average Car Insurance Rates by Gender

Gender Average
Male$197
Female$133

Car insurance rates for female drivers are usually cheaper than those for male drivers. This is true in Rosedale, where male drivers pay about $64 more per month. Looking at the table above, you can see that female drivers pay around $133 on average, while male drivers typically pay $197 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$167
Multiple Accidents$557
1 Ticket$225
Multiple Tickets$541

One of the key factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Rosedale, a driving record with a single accident will usually get you a rate around $167 a month. In addition, drivers with a single ticket on their record can expect to pay around $225 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$156
2-3 Years$174
4-5 Years$414
6-7 Years$168
8-10 Years$135
11-14 Years$140
15 Years or Older$129

The most affordable vehicles to insure in Rosedale are typically trucks and vans, which run about $116 per month.

Car owners can expect to pay an average of around $185 a month for their policy, while SUVs usually cost around $119 a month to insure.

Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Rosedale, 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)$191
Married$110
Divorced$90
Widowed$88

On average, those who have settled down into marriage will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

The difference in rates based on relationship status in Rosedale is about $81 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$197
Rent$147
Live with parents$134

Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $50 less than homeowners in Rosedale. But those who live at home with their parents can expect to pay significantly 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 Rosedale, MD

Recent trends in car insurance for Rosedale drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Rosedale, the rates for car insurance rose from 2016-2019, but began to turn downward in 2020. This pattern has continued through 2021 when rates have most recently hit $145.

How does Rosedale compare to neighboring areas?

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

Car insurance companies will take into account a lot of factors when they're choosing how much to charge for a policy. The specifics of your home address will have an impact on your personal policy. This might include things like:

  • Road Safety (frequency of local car accidents)
  • Regional laws
  • Total number of drivers
  • Local crime rates
  • Off-street parking availability

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Rosedale?

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.

Luckily, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Rosedale.

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Rosedale Insurance FAQs

What factors affect car insurance quotes in Rosedale?

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 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 Rosedale different from other neighboring cities?

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

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 Rosedale?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Rosedale or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

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