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How much is car insurance in Salisbury?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $40 a month cheaper to insure your vehicle in Salisbury than it is in the rest of Maryland.
The average cost of insuring your vehicle in Salisbury is above the national rate. It's about $1 more expensive for coverage in Salisbury than the average rates for the U.S. as a whole.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't worry, we've done the work for you and broken down the average rates for Salisbury to help you understand what your monthly premium might be. 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 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may creep back up in Salisbury.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This is true in Salisbury, where male drivers pay about $4 more per month. As illustrated in the table above, male drivers in the area pay about $84 on average, while female drivers pay around $80 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay less than those with infractions. In Salisbury, drivers with one accident on their record will experience rates around $98 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $87.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$121|
|15 Years or Older||$76|
According to the first table above, SUVs are usually the cheapest vehicles to insure in Salisbury, with drivers paying around $70 per month to insure their vehicle.
Car owners can expect to pay an average of around $86 a month for their policy, while truck and van drivers are usually around $77 to insure each month.
You can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Salisbury are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$90|
Generally, those who are currently married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
In Salisbury, the difference in rates based on relationship status can be as much as $34 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$103|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $15 a month more than if you own your own home in Salisbury. But if you live with your parents, your rates will be significantly higher.
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 Salisbury, MD
Recent trends in car insurance for Salisbury drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In Salisbury, car insurance rates rose consistently from 2017-2021. They finished down in 2022, at $83.
How does Salisbury compare to neighboring areas?
Why are car insurance rates in Salisbury different from other areas?
There are many factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Crime levels
- Number of drivers in the area
- Road Safety (how many accidents each locality has)
- Community regulations
- Amount of off-street parking
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Salisbury?
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.
Luckily, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Salisbury.
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Salisbury Insurance FAQs
What factors affect car insurance quotes in Salisbury?
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, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Salisbury different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Salisbury?
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 Salisbury?
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 Salisbury 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?
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