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How much is car insurance in Windsor Mill?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Maryland are about $54 a month cheaper than the rates drivers pay in Windsor Mill.
If you're considering relocating to Windsor Mill from out of state, you may want to budget a little extra for your insurance. The cost of auto coverage in Windsor Mill is about $94 more expensive than the national average.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. The monthly rate that insurance companies end up charging you is determined by a variety of factors. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Windsor Mill so that you can get a more accurate idea of what your policy will cost you. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay $86 more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates creep back up a bit once you hit retirement age in Windsor Mill.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Windsor Mill, male drivers pay about $29 more per month. Based on the chart above, you can see that male drivers pay $185 on average, while female drivers typically pay $156 each 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. Drivers in Windsor Mill with a single accident on their record will usually see rates around $197 a month. Likewise, drivers with one ticket will be looking at a rate of around $235 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$231|
|15 Years or Older||$171|
In Windsor Mill, the cheapest vehicles to insure are typically SUVs, with drivers paying around $157 per month for auto insurance coverage.
SUV owners will see rates of about $157, while truck and van owners usually pay around $196 a month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Windsor Mill are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$190|
Overall, those who have settled down into marriage will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Windsor Mill, with married couples paying about $62 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$163|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $24 less than those who own their own home in Windsor Mill. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Windsor Mill, MD
Recent trends in car insurance for Windsor Mill 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.
Auto insurance rates in Windsor Mill rose from 2016-2019, when they hit a high of $226. Rates started to turn downward in 2020, and this pattern has continued through 2021, when rates have most recently reached $182.
How does Windsor Mill compare to neighboring areas?
Why are car insurance rates in Windsor Mill different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Local crime rates
- Total number of drivers in the area
- Off-street parking availability
- Road Safety (frequency of local car accidents)
- Regional regulations
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. 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 Windsor Mill?
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.
Don't worry, Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies providing auto coverage in Windsor Mill.
Windsor Mill Insurance FAQs
What factors affect car insurance quotes in Windsor Mill?
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 driving record, address, credit score, and marital status.
Why is the cost of car insurance in Windsor Mill different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Windsor Mill?
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 Windsor Mill?
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 Windsor Mill or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?