Cheapest Car Insurance In Glen Burnie, MD For November, 2024
Our findings have revealed that USAA emerges as the most budget-friendly choice for car insurance in Glen Burnie.
We’ve saved shoppers an average of $600 per year on their car insurance.
When it comes to driving in Glen Burnie, having reliable car insurance is an absolute must. With the city’s unfortunate track record of auto accidents and theft, it’s of utmost importance to ensure you have adequate coverage.
However, finding a policy that offers comprehensive protection within your budget can be quite the challenge, especially considering that the average car insurance rates in Glen Burnie ($382 per month) surpass the state average in Maryland ($309 per month).
We’ve undertaken extensive research on various car insurance companies to assist you in your search. Our goal is to present you with the best coverage options at affordable rates.
Our findings have revealed that USAA emerges as the most budget-friendly choice for car insurance in Glen Burnie. That being said, there are other providers that offer competitive rates catering to different driver demographics.
For younger and senior drivers, Travelers presents an affordable solution that meets their needs. If you’re seeking minimum coverage, Erie proves to be an excellent choice. Meanwhile, Allstate offers the best full coverage.
And for those with bad credit, GEICO might just be the perfect fit. Rest assured, regardless of your driving profile, we’ve got you covered with an array of exceptional car insurance options available in Glen Burnie.
Cheapest And Best Car Insurance Companies In Glen Burnie, MD 2024
Compare The Cheapest Car Insurance Companies In Glen Burnie, MD
| J.D. Power Rating (Mid-Atlantic) | Overall Rating | Best For | AM Best Rating | Average Annual Cost | Get A Quote | |
|---|---|---|---|---|---|---|
| USAA |
881 |
|
Cheapest Overall |
A++ |
$1,275 |
Instant Quote |
| Travelers |
860 |
|
Seniors |
A++ |
$1,764 |
Instant Quote |
| Allstate |
832 |
|
Cheapest Full Coverage |
A++ |
$2,071 |
Instant Quote |
| Travelers |
860 |
|
Cheapest For Young Drivers |
A++ |
$2,612 |
Instant Quote |
| GEICO |
834 |
|
Drivers With Bad Credit |
A++ |
$1,920 |
Instant Quote |
| Erie |
867 |
|
Cheapest Minimum Coverage |
A+ |
$837 |
Instant Quote |
Our Methodology
To find the most affordable car insurance rates in Glen Burnie, we conducted a thorough exploration of multiple car insurance review sites. These sources gave us valuable insights by providing access to public filings through Quadrant Information Services, giving us a complete overview of the market.
During our detailed review, we carefully analyzed the rates we collected from these sources, ultimately discovering the options that offer the best value for your money. However, it's important to remember that insurance rates can change frequently and will depend on individual factors like your driving history, age, and where you live.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Cheapest Car Insurance Companies In Glen Burnie, MD
Cheapest Overall
Key Statistics
Why We Like Them
⇅USAA stands out as a dominant player in the auto insurance industry, not only nationwide but also in Glen Burnie. Although their services specifically cater to current and former military personnel and their families, we firmly believe that USAA offers unmatched rates and an exceptional level of service compared to other competitors—an opinion backed by J.D. Powers’ findings.
USAA is renowned for their exceptional claims handling process. Their customers trust them and remain loyal because of it. Their unwavering commitment to delivering top-notch service sets them apart from the competition.
USAA has established itself as a major force in the military market, building a strong brand presence. Ongoing studies consistently confirm the steadfast loyalty of their customers and the high levels of satisfaction they enjoy with their claims handling process.
Benefits & Drawbacks
⇅- Exceptional customer satisfaction ratings
- Opportunity to bundle car insurance with other USAA products
- Extensive availability for a significant number of military families in the Glen Burnie/D.C. metro area ✓
- Restricted eligibility: solely provided to active military, veterans, and their families ✘
Cheapest Overall Rates In Glen Burnie
| Company | Rate Per Year |
| USAA | $1,420 |
| GEICO | $1,720 |
| State Farm | $2,080 |
| Allstate | $2,520 |
| Progressive | $2,295 |
Cheapest Minimum Coverage
Key Statistics
Why We Like Them
⇅Erie is the go-to option for the most affordable minimum coverage rates in Glen Burnie. Maryland’s state regulations specify the following minimum coverage rates:
- $30,000 per person for bodily injury liability
- $15,000 per accident for property damage liability
- $60,000 per accident for bodily injury liability
All car insurance providers in Glen Burnie must offer $2,500 in personal injury protection (PIP) coverage. However, drivers have the choice to waive this coverage if they prefer.
What makes Erie stand out from the rest is their extensive range of coverage options. They provide gap insurance, new car replacement coverage, rideshare insurance, and much more. Moreover, Erie offers the convenience of rate locking, allowing customers to maintain their rates until they decide to make any changes to their policy, such as adding a driver or vehicle, or relocating to a different area.
If the value of your car is lower than the cost of full coverage, it’s recommended to go for minimum coverage. However, selecting minimum coverage does come with a higher financial risk compared to choosing higher limits.
Benefits & Drawbacks
⇅- Earns high rankings in J.D. Power customer satisfaction studies
- Offers the option to lock in your car insurance rate
- Provides a wide range of coverage options ✓
- Offers fewer discounts compared to other insurers
- Limited availability in only 12 states, which can be inconvenient for Glen Burnie insureds who relocate later on. ✘
Cheapest Minimum Coverage In Glen Burnie
| Company | Rate Per Year |
| Erie | $960 |
| Nationwide | $1,512 |
| Progressive | $1,260 |
| State Farm | $1,020 |
| Allstate | $2,064 |
Cheapest For Senior Drivers
Key Statistics
Why We Like Them
⇅Senior drivers in their 60s and 70s often face higher car insurance rates due to an increased accident risk associated with factors like declining vision and slower reflexes. Nevertheless, Travelers understands this concern and offers discounts designed specifically for seniors and other eligible drivers. These discounts can be obtained by having multiple Travelers policies, completing safe driving courses, and maintaining reduced mileage. Seniors often qualify for lower mileage discounts as many are retired and no longer commute within Glen Burnie or to Washington, D.C.
Travelers provides various options for seniors looking to save money on car insurance. One strategy is to raise deductibles, which can result in lower premiums. Paying the full premium upfront can also lead to additional savings. Seniors may also benefit from bundling their home and auto policies with Travelers, which can result in discounted rates.
Benefits & Drawbacks
⇅- Unmatched rates for senior drivers
- Possibility of discounts after completing a defensive driving class
- Established and reputable among seniors ✓
- Lackluster J.D. Power customer service ratings
- Limited presence of Travelers car insurance agents ✘
Cheapest For Senior Drivers In Glen Burnie
| Company | Rate Per Year |
| Travelers | $1,770 |
| Allstate | $2,450 |
| Kemper | $1,850 |
| Erie | $1,800 |
Cheapest For Drivers With Bad Credit
Key Statistics
Why We Like Them
⇅The same way as age plays a significant role, credit score also has a substantial impact on car insurance rates. Insurance companies have identified a connection between lower credit scores and a higher probability of filing claims. After reviewing multiple insurers, we found that GEICO stands out as the most affordable choice for drivers with poor credit.
In addition to the typical coverage offered by most insurers, GEICO provides an optional mechanical breakdown coverage. This coverage can be especially advantageous for Glen Burnie drivers with newer vehicles. It is renewable for up to seven years or 100,000 miles, providing added reassurance as your car ages and the likelihood of breakdowns grows.
While Maryland allows insurers to use credit scores to calculate premiums, state law protects drivers from being denied coverage or seeing a rate increase due to a poor credit score. However, improving your credit score could lead to lower insurance rates, and it’s recommended that drivers contact their insurer to request a review of their rates if their credit score improves.
Benefits & Drawbacks
⇅- Opportunity to combine discounts through bundling
- Ongoing availability of discounts for drivers with poor credit
- Extensive accessibility through a wide network of Glen Burnie agents ✓
- Below-average J.D. Power customer service ratings ✘
Cheapest For Drivers With Bad Credit
| Company | Rate Per Year |
| GEICO | $1,274 |
| State Farm | $3,280 |
| Travelers | $2,300 |
| Allstate | $3,662 |
| Erie | $3,332 |
Cheapest Full Coverage
Key Statistics
Why We Like Them
⇅Allstate stands out prominently in our rankings across various categories, especially when it comes to offering the most affordable full coverage options. In addition to the standard auto coverage, Allstate goes above and beyond to cater to Glen Burnie drivers by providing a wide range of optional coverages that can be added to their policies. These include:
- Safe Driving Bonus: Rewarding drivers with a cash incentive every six months for maintaining an accident-free record.
- Accident Forgiveness: Ensuring that your rates won’t increase after an accident, even if you were at fault.
- New Car Replacement: Providing financial support for a brand-new car in the event of a total loss within the first two model years.
- Deductible Rewards: Allowing you to earn annual reductions of $100 off your collision deductible for each violation-free year, up to a maximum of $500 off.
- Gap Insurance: Closing the gap between the amount you owe on your car loan or lease and the vehicle’s value, offering coverage in case of a total loss.
- Rideshare Insurance: Extending additional protection for drivers working with rideshare companies like Uber or Lyft.
In Glen Burnie, drivers have the option to obtain full coverage car insurance, which includes the mandatory minimum coverages required in Maryland, along with comprehensive and collision coverage. While full coverage provides comprehensive financial protection, it’s important to evaluate the cost relative to the value of your vehicle.
Benefits & Drawbacks
⇅- Unparalleled financial strength ratings
- Plenty of coverage options
- Wide-ranging presence of claims offices in the Glen Burnie area ✓
- Mediocre J.D. Power customer service rating in the Mid-Atlantic region
- Solely offered through Allstate agents ✘
Cheapest Full Coverage In Glen Burnie
| Company | Rate Per Year |
| Allstate | $2,071 |
| Progressive | $2,077 |
| State Farm | $1,894 |
| Nationwide | $1,743 |
| Travelers | $1,461 |
Cheapest For Young Drivers
Key Statistics
Why We Like Them
⇅Travelers offers an enticing option for teenage drivers in Glen Burnie by providing them with affordable car insurance rates. Recognizing the common struggle of higher insurance costs for young drivers, Travelers aims to alleviate this financial burden. With a strong presence in the auto insurance industry, Travelers policies are conveniently accessible through independent agents across the city. While teenage drivers may not qualify for all the discounts available from insurance providers, Travelers offers a range of exclusive discounts tailored to meet their needs. These exclusive discounts include:
- Safe driving
- Having no gaps in coverage
- Paying electronically, upfront, or on time
- New customers who get quotes before their current policies expire
- Students who are away at school
- Owning or leasing a hybrid car
- Insuring vehicles less than three years old
- Completing a driver training course
- Drivers in high school or college who maintain a “B” average or better
Travelers introduces an exclusive offering known as the IntelliDrive app, designed to track and analyze a range of driving behaviors such as speed, phone usage, time of day, and braking and acceleration patterns over a 90-day period. By showcasing responsible and safe driving habits during this period, policyholders become eligible for a significant discount of up to 30% upon policy renewal.
Benefits & Drawbacks
⇅- Exceptional rates for young drivers
- Abundance of discounts for teen drivers
- Recognized as one of the largest insurers in the nation ✓
- Lower than average customer service ratings according to J.D. Power
- Unavailability of insurance specifically tailored for rideshare services ✘
Cheapest For Young Drivers In Glen Burnie
| Company | Rate Per Year |
| Travelers | $1,392 |
| AllState | $2,545 |
| Progressive | $1,672 |
| Nationwide | $2,260 |
| State Farm | $1,854 |
Average Cost Of Car Insurance In Glen Burnie, MD
Average Cost In Glen Burnie – By Age
| Age Group | Average Annual Rate |
| Teenagers | $3,720 |
| 20s | $2,640 |
| 30s | $1,920 |
| 40s | $1,980 |
| 50s | $1.920 |
| 60s | $1,968 |
| 70s | $1,896 |
Average Cost In Glen Burnie – By Gender
| Gender | Average Annual Rate |
| Male | $2,413 |
| Female | $2,354 |
Average Cost In Glen Burnie – By Marital Status
| Marital Status | Average Annual Rate |
| Single | $2,160 |
| Married | $2,040 |
Average Cost In Glen Burnie – By Accident And Violation History
| Violation | Average Annual Premium |
| DWI/DUI | $5,612 |
| Reckless Driving | $5,165 |
| At-Fault Accident (damage <$1,000) | $3,725 |
| At-Fault Accident (damage >$2,000) | $4,483 |
| Speeding (16-20 MPH > limit) | $3,613 |
Average Cost In Glen Burnie– By Credit Tier
| Credit Tier | Average Annual Rate |
| Excellent | $1,776 |
| Good | $2,064 |
| Poor | $3,240 |
Average Cost In Glen Burnie – By ZIP Code
| ZIP Code | Average Annual Rate |
| 21224 | $1,263 |
| 21229 | $1,156 |
| 21206 | $1,353 |
| 21218 | $1,425 |
| 21215 | $1,508 |
Minimum Car Insurance Requirements In Maryland
When assessing car insurance choices, it’s crucial to take into account Maryland’s minimum coverage mandates, which entail:
- $30,000 per person for bodily injury liability
- $60,000 per accident for bodily injury liability
- $15,000 per accident for property damage liability
Although these represent the bare minimum requirements, it’s vital to assess your individual circumstances. Consider factors like your vehicle type and the frequency of your travels to determine the optimal coverage that suits your needs.
How To Buy Car Insurance In Glen Burnie
When purchasing car insurance in Glen Burnie, you can simplify the process and potentially save money by following these steps:
1. Gather your driver and vehicle information: Gather essential details such as names, dates of birth, driver’s license numbers, vehicle identification numbers (VIN), current mileage, current insurance information, and the registered owner’s name. These details will be necessary for obtaining an accurate quote.
2. Decide if you’ll buy online or through an agent: Decide whether you prefer purchasing insurance online or through an agent. Both options are valid, and it depends on your personal preference and comfort level in understanding the coverage types and amounts you need.
3. Get quotes from at least three companies: Request quotes from a minimum of three insurance companies to compare rates. Ensure you are comparing similar coverage amounts and deductibles to make an informed decision.
4. Look for discounts: Take advantage of various discounts offered by insurers to make car insurance in Glen Burnie more affordable. Look for discounts that you qualify for and that can help lower your premium.
5. Cancel your previous policy: Once your new coverage is effective, remember to cancel your old policy to avoid paying for duplicate coverage. Contact your previous insurer to inform them of the cancellation.
Factors That Impact The Cost Of Your Car Insurance Policy In Glen Burnie
In Glen Burnie, car insurance rates are influenced by three main factors that play a significant role in determining the cost:
Commuting and accident rates: The heavy traffic and frequent accidents on the daily commute between Glen Burnie and Washington, D.C., contribute to higher insurance premiums in the area. The congestion and elevated accident rate increase the risk for insurers, leading to higher costs for drivers.
Crime rates: Certain areas of Glen Burnie have higher crime rates, including incidents of theft and vandalism. If you live or work in one of these areas, your insurance rates may be higher due to the increased likelihood of damage or loss.
Uninsured motorists: It is estimated that nearly one-third of drivers in Glen Burnie are uninsured. This means responsible drivers may want to consider carrying comprehensive and collision insurance to have higher limits and better protection. However, these types of coverage tend to be more expensive due to the increased risk associated with uninsured motorists.
Furthermore, your vehicle type and driving record will also be taken into account. Factors such as the make and model of your car, as well as your history of accidents or traffic violations, will impact the insurance rates you are offered.
Maryland Car Insurance Laws To Know
In Maryland, it’s a legal requirement for vehicle owners and drivers to have proof of insurance. It’s crucial to carry your insurance documentation while driving because if law enforcement requests proof and you fail to provide it, you can receive a traffic citation.
If the Maryland Motor Vehicle Administration (MVA) needs insurance verification, you can obtain a Maryland Insurance Certification (FR-19) form from your insurance company at no cost.
It’s important to understand the severe consequences of driving without insurance or knowingly allowing someone else to drive an uninsured vehicle. Such actions can result in harsh penalties, including imprisonment. First-time offenders may face a fine of up to $1,000 and a maximum of one year in jail, while repeat offenders could be subject to a fine of up to $1,000 and a maximum of two years in jail (Md. Code Transportation, § 17-107 (2022)). To avoid these potential penalties, it’s crucial to comply with the legal requirement of maintaining valid insurance coverage.
Information About Glen Burnie
Nature enthusiasts can explore the beautiful parks and trails scattered throughout the town, such as the scenic B&A Trail and the tranquil Sawmill Creek Park. Food lovers can indulge in a diverse culinary scene that offers everything from local seafood delicacies to international cuisines.
In addition to its recreational and gastronomic offerings, Glen Burnie also hosts various community events and festivals, such as the Glen Burnie Carnival and the Artscape Festival. These events provide opportunities for residents and visitors alike to come together and celebrate the vibrant spirit of the town.
With its convenient location near Baltimore and Annapolis, Glen Burnie provides easy access to even more entertainment options, including professional sports games, art galleries, and live music venues.
Car Insurance Discounts In Glen Burnie
When searching for ways to save on car insurance in Glen Burnie, it’s important to explore various discounts that can help reduce costs by:
- Being a “safe driver” with a good driving history
- Being claims-free for a specified period of years
- Installing vehicle safety features
- Customer loyalty
- Driving fewer than average miles
- Being in the military
- Being age 55+ and retired
- Having a short commute to work
- Being a student with at least a “B” average
FAQs
What is the cheapest car insurance in Glen Burnie?
Erie stands out as the provider of the most budget-friendly car insurance in Glen Burnie, offering minimum liability coverage at an annual premium of just $926.
Why is Glen Burnie car insurance so expensive?
The city of Glen Burnie faces the challenge of expensive car insurance premiums due to several factors. These include a high accident rate, a significant number of uninsured drivers, and a notable occurrence of auto theft.
How much does car insurance cost in Glen Burnie per month?
In Glen Burnie, the average monthly cost of car insurance amounts to $382.
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