Rosedale, MD Car Insurance

On average, Rosedale drivers pay around $160 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
Are rates in Rosedale higher or lower than those in neighboring areas? How do they compare to the rest of Maryland? What should residents of Rosedale 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 Rosedale?

Area Average Monthly Car Insurance Premium
Rosedale$160
MD$122
United States$81

You can see in the chart above that it's around $38 a month more expensive to insure your vehicle in Rosedale than it is in the rest of Maryland.

If you're considering relocating to Rosedale from out of state, you may want to budget a little extra for your insurance. You can expect to pay about $79 more for your policy in Rosedale.

Bear in mind that while these rates are the average costs for Rosedale drivers, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. 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 the bill you'll see each month.

We've broken down the average rates for Rosedale to help you understand what exactly you might be asked to pay. 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$220
25-34$195
35-44$144
45-54Not Enough Data
55-64$102
65+$86

It makes sense that the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $134 more than someone who is retirement aged.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates climb back up a bit in Rosedale.

Average Car Insurance Rates by Gender

Gender Average
Male$189
Female$132

On average, female drivers pay slightly less than male drivers for car insurance. The difference in Rosedale is about $57 per month. As you can see in the table above, female drivers in the area typically pay $132 on average, while female drivers typically pay $189 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$169
Multiple Accidents$482
1 Ticket$165
Multiple Tickets$403

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Rosedale with a single accident will pay around $169 a month. Similarly, drivers with one ticket will typically pay around $165 on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$160
2-3 Years$174
4-5 Years$363
6-7 Years$169
8-10 Years$130
11-14 Years$133
15 Years or Older$130

According to the first table above, SUVs are by and large the cheapest vehicles to insure in Rosedale, with drivers paying around $121 per month for insurance coverage.

Truck and van drivers will see rates of about $131 for car insurance coverage, while car owners usually pay around $175 a month.

The age of your vehicle has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. 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)$177
Married$121
Divorced$90
Widowed$88

Overall, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Rosedale is no exception, with the difference totaling to around $56 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$193
Rent$146
Live with parents$123

Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $47 less than homeowners in Rosedale. 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 Rosedale, MD

Recent trends in car insurance for Rosedale drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

In Rosedale, the rates for auto insurance rose from 2017-2019, when they hit a high of $263. This pattern shifted in 2020, when they began to decrease, and have continued moving in that direction through the present -- when policy premiums reached a low of $115 per month.

How does Rosedale compare to neighboring areas?

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

There are many factors car insurance companies will consider when deciding how much to charge for a monthly rate. Your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Community laws
  • Frequency of car accidents
  • Off-street parking accessibility
  • Regional crime rates
  • Total number of drivers in the region

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Rosedale?

While knowing 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.

But hold on! Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Rosedale.

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Rosedale Insurance FAQs

What factors affect car insurance quotes in Rosedale?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, address, and marital status.

Why is the cost of car insurance in Rosedale 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 Rosedale?

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 Rosedale?

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?

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 Rosedale 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.

Find your best rate in just a few minutes