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How much is car insurance in Suitland?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $15 a month more expensive to insure your vehicle in Suitland than it is in the rest of Maryland.
Similarly, Suitland residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $56 more expensive for coverage in Suitland than the average rates for the U.S. as a whole.
While these are the average costs to insure your vehicle in Suitland, keep in mind that you could end up paying a different amount. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Suitland residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay $76 more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may climb back up a bit in Suitland.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This is true in Suitland, where male drivers pay about $48 more a month. As you can see in the table above, male drivers in the area typically pay $163 on average, while female drivers typically pay $115 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. Drivers in Suitland with a single accident will pay around $152 a month. Likewise, drivers with one ticket will be looking at a rate of around $112 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$208|
|15 Years or Older||$118|
As you can see in the first table above, the cheapest vehicles to insure in Suitland are by and large trucks and vans, which run about $102 per month.
SUV drivers will see rates of about $135, while the rates for car owners average out to about $140 per month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is around 5 years old. In Suitland, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$144|
Generally, those who are currently married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The cost of auto insurance in Suitland reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $41 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$127|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $51 a month more than drivers who own property in Suitland. But if you live with your parents, your rates will be significantly higher.
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 Suitland, MD
Recent trends in car insurance for Suitland drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
The rates for auto insurance in Suitland declined from 2017-2018, where they reached a low of $109, before leveling out in 2019. Since 2020, rates have once again been decreasing and hit $118 in 2022.
How does Suitland compare to neighboring areas?
Why are car insurance rates in Suitland different from other areas?
There are a number of factors car insurance companies take into consideration when choosing how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Total number of drivers in the area
- Area crime rates
- Amount of off-street parking
- Area regulations
- Rate of car accidents
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge 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 Suitland?
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.
But wait! Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Suitland in no time.
Suitland Insurance FAQs
What factors affect car insurance quotes in Suitland?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Suitland different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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 Suitland?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Suitland?
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?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Suitland or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?