Table of contents
How much is car insurance in Westminster?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Maryland, coverage in Westminster is about $37 a month cheaper.
On the flip side, residents of Westminster might expect to pay higher rates for coverage than the rest of the country. You can expect to pay about $3 more for your policy in Westminster.
While these are the average car insurance rates for Westminster, 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. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
But don't worry, we've broken down the average rates for Westminster residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, you may see your rates creep back up a bit in Westminster.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Westminster, where female drivers pay around $9 more per 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. Drivers with clean records will pay much lower rates than those with accidents or violations. In Westminster, a driving record with one accident will usually get you a rate around $100 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $99.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$94|
|15 Years or Older||$66|
In terms of affordable coverage, the cheapest vehicles to insure in Westminster are by and large trucks and vans, at $68 per month.
Car owners, on the other hand, typically pay around $87 a month, while SUV drivers can expect to pay about $69 per month for insurance coverage.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Westminster, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$91|
Overall, married policyholders will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Westminster is no exception, with the difference totaling to around $26 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$131|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Westminster, expect to pay around $20 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Westminster, MD
Recent trends in car insurance for Westminster drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In Westminster, car insurance rates had been decreasing from 2016-2017, before rising from 2018-2020. They finished down in 2021 at $77.
How does Westminster compare to neighboring areas?
Why are car insurance rates in Westminster different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Availability of off-street parking
- Prevalence of crime
- General road safety (how many accidents each locality has)
- Total number of drivers in the region
- Community regulations
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. 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 Westminster?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Westminster.
Westminster Insurance FAQs
What factors affect car insurance quotes in Westminster?
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 marital status, credit score, address, and driving record.
Why is the cost of car insurance in Westminster different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Westminster?
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 Westminster?
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?
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 Westminster 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.