Buy Cheap Charlestown, MD Auto Insurance (2022)

Charlestown, MD auto insurance rates average $384 a month. Minimum auto insurance requirements in Charlestown, Maryland are 30/60/15 to comply with Maryland laws. To buy cheap auto insurance in Charlestown, MD, compare Charlestown auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Charlestown, MD are $384/month
  • The most expensive auto insurance company in Charlestown after a DUI is Liberty Mutual
  • Average auto insurance rates in Charlestown, MD after a DUI are $5,412/year

Finding affordable Charlestown, Maryland auto insurance can be challenging, but everything you need to know to buy cheap Charlestown, MD auto insurance with confidence is right here. Auto insurance rates in Charlestown are affected by local factors as well as personal ones like your driving record.

See how Charlestown, MD car insurance rates compare to Gaithersburg auto insurance rates, Frederick auto insurance rates, and Salisbury auto insurance rates before you read more about the cost of auto insurance in Charlestown.

Don’t buy Charlestown, MD auto insurance until you’ve compared rates. Get free Charlestown, Maryland auto insurance quotes when you enter your ZIP code above.

Charlestown, MD Minimum Auto Insurance Requirements

The required auto insurance in Charlestown, MD is 30/60/15 according to the auto insurance laws in Maryland. The minimum auto insurance in Charlestown, Maryland is outlined here.

Minimum Required Auto Insurance Coverage in Charlestown, Maryland

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Charlestown, MD Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Charlestown, MD. Take a look at Charlestown, Maryland auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Charlestown, Maryland

Insurance Company Poor Fair Good
Allstate $6,651 $4,641 $4,110
GEICO $4,420 $3,661 $3,617
Liberty Mutual $13,298 $8,569 $6,045
Nationwide $3,782 $2,671 $2,413
Progressive $4,985 $3,748 $3,143
State Farm $6,353 $3,763 $2,898
USAA $3,507 $2,403 $1,974

Buy Cheap Charlestown, MD Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Charlestown, Maryland auto insurance rates? Find out how car insurance rates in Charlestown, MD are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Charlestown, Maryland

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,418 $3,287 $3,257 $3,341 $9,921 $11,615 $3,093 $3,139
GEICO $2,452 $2,684 $2,799 $3,235 $7,372 $8,359 $2,099 $2,195
Liberty Mutual $6,688 $6,688 $6,612 $6,612 $12,957 $19,188 $6,688 $8,999
Nationwide $2,023 $2,030 $1,830 $1,883 $4,762 $6,252 $2,343 $2,523
Progressive $2,355 $2,123 $2,053 $2,097 $8,415 $9,201 $2,743 $2,683
State Farm $2,571 $2,571 $2,363 $2,363 $8,203 $10,511 $2,872 $3,251
USAA $1,894 $1,862 $1,767 $1,765 $4,179 $4,935 $2,184 $2,436

Buy Cheap Charlestown, MD Auto Insurance for Teen Drivers

Auto insurance for teenagers in Charlestown can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Charlestown, MD are listed here.

Annual Auto Insurance Rates for Teen Drivers in Charlestown, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,921 $11,615
GEICO $7,372 $8,359
Liberty Mutual $12,957 $19,188
Nationwide $4,762 $6,252
Progressive $8,415 $9,201
State Farm $8,203 $10,511
USAA $4,179 $4,935

Buy Cheap Charlestown, MD Auto Insurance for Seniors

You can save on senior auto insurance rates in Charlestown, Maryland by comparing Charlestown senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Charlestown, MD here.

Annual Auto Insurance Rates for Senior Drivers in Charlestown, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,257 $3,341
GEICO $2,799 $3,235
Liberty Mutual $6,612 $6,612
Nationwide $1,830 $1,883
Progressive $2,053 $2,097
State Farm $2,363 $2,363
USAA $1,767 $1,765

Find Cheap Auto Insurance Rates in Charlestown, MD by Coverage Level

The amount of coverage you choose is a big factor in the cost of Charlestown, Maryland auto insurance. Compare Charlestown, MD auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Charlestown, Maryland

Insurance Company Low Medium High
Allstate $5,016 $5,104 $5,282
GEICO $3,748 $3,872 $4,078
Liberty Mutual $9,028 $9,281 $9,603
Nationwide $2,834 $2,964 $3,069
Progressive $3,780 $3,960 $4,136
State Farm $4,114 $4,352 $4,547
USAA $2,491 $2,636 $2,756

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Find Cheap Charlestown, MD Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Charlestown. Compare auto insurance rates in Charlestown, MD by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Charlestown, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,061 $5,206
GEICO $3,835 $3,964
Liberty Mutual $9,056 $9,552
Nationwide $2,956 $2,956
Progressive $3,959 $3,959
State Farm $4,228 $4,448
USAA $2,546 $2,710

Find Cheap Charlestown, MD Auto Insurance Rates by Driving Record

Auto insurance rates in Charlestown, Maryland are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Charlestown, MD, take a look at the average cost for various violations versus rates for a clean driving record in Charlestown.

Annual Charlestown, Maryland Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,543 $6,037 $4,543 $5,412
GEICO $2,763 $4,311 $5,245 $3,279
Liberty Mutual $6,694 $8,812 $13,249 $8,461
Nationwide $2,601 $3,491 $2,783 $2,948
Progressive $3,380 $4,479 $4,090 $3,885
State Farm $3,885 $4,891 $4,288 $4,288
USAA $2,068 $2,532 $3,685 $2,226

Find Cheap Charlestown, MD Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Charlestown, Maryland is higher than for a clean driving record. You can buy auto insurance after a DUI in Charlestown for less when you shop around and compare rates from multiple Charlestown, MD auto insurance companies.

Annual Auto Insurance Rates After a DUI in Charlestown, Maryland

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,543
GEICO $5,245
Liberty Mutual $13,249
Nationwide $2,783
Progressive $4,090
State Farm $4,288
USAA $3,685

Winners by Category: Where to Buy Cheap Auto Insurance in Charlestown, MD

Compare rates from the cheapest auto insurance companies in Charlestown, MD for your needs. Take a look at how Charlestown, Maryland auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Charlestown, Maryland

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Nationwide
With 1 Speeding Violation USAA

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Find Cheap Charlestown, Maryland Auto Insurance Companies

If you’re looking for the cheapest Charlestown, MD auto insurance companies overall, you can compare them here. Find the best price for Charlestown, Maryland car insurance by company.

Average Annual Auto Insurance Rates by Company in Charlestown, Maryland

Insurance Company Average Annual Rates
Allstate $5,134
GEICO $3,899
Liberty Mutual $9,304
Nationwide $2,956
Progressive $3,959
State Farm $4,338
USAA $2,628

What affects Charlestown, Maryland auto insurance rates?

Local factors affect auto insurance rates in Charlestown, MD, including traffic, theft statistics, and commute length. Take a look at the things that impact Charlestown auto insurance rates.

Commute Times in Charlestown

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Charlestown, MD is 33.8 minutes according to City-Data.

Compare Auto Insurance Quotes in Charlestown, MD

You can buy cheap Charlestown, MD auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Charlestown, Maryland auto insurance quotes from top companies.

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