Buy Cheap St. Michaels, MD Auto Insurance (2022)

St. Michaels, MD auto insurance rates average $309 a month. Minimum auto insurance requirements in St. Michaels, Maryland are 30/60/15 to comply with Maryland laws. To buy cheap auto insurance in St. Michaels, MD, compare St. Michaels auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • Average auto insurance rates in St. Michaels, MD after a DUI are $4,369/year
  • The most expensive auto insurance company in St. Michaels after a DUI is Liberty Mutual
  • Average auto insurance rates in St. Michaels, MD for teens drivers are $6,306/year

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

See how St. Michaels, MD car insurance rates compare to Frederick auto insurance rates, Laurel auto insurance rates, and College Park auto insurance rates before you read more about the cost of auto insurance in St. Michaels.

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

St. Michaels, MD Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in St. Michaels, 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap St. Michaels, MD Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in St. Michaels, Maryland

Insurance Company Poor Fair Good
Allstate $5,287 $3,707 $3,293
GEICO $3,401 $2,821 $2,787
Liberty Mutual $11,543 $7,430 $5,233
Nationwide $2,793 $1,994 $1,810
Progressive $4,016 $2,994 $2,509
State Farm $4,530 $2,687 $2,072
USAA $3,038 $2,082 $1,716

Buy Cheap St. Michaels, MD Auto Insurance by Age, Gender, and Marital Status

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in St. Michaels, 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 $2,789 $2,692 $2,641 $2,710 $7,754 $9,049 $2,546 $2,582
GEICO $1,908 $2,077 $2,145 $2,448 $5,623 $6,468 $1,623 $1,733
Liberty Mutual $5,759 $5,759 $5,692 $5,692 $11,293 $16,796 $5,759 $7,799
Nationwide $1,534 $1,544 $1,392 $1,435 $3,472 $4,556 $1,762 $1,898
Progressive $1,933 $1,757 $1,691 $1,723 $6,613 $7,225 $2,242 $2,202
State Farm $1,861 $1,861 $1,699 $1,699 $5,796 $7,436 $2,071 $2,349
USAA $1,647 $1,623 $1,528 $1,533 $3,592 $4,257 $1,912 $2,137

Buy Cheap St. Michaels, MD Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in St. Michaels, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,754 $9,049
GEICO $5,623 $6,468
Liberty Mutual $11,293 $16,796
Nationwide $3,472 $4,556
Progressive $6,613 $7,225
State Farm $5,796 $7,436
USAA $3,592 $4,257

Buy Cheap St. Michaels, MD Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in St. Michaels, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,641 $2,710
GEICO $2,145 $2,448
Liberty Mutual $5,692 $5,692
Nationwide $1,392 $1,435
Progressive $1,691 $1,723
State Farm $1,699 $1,699
USAA $1,528 $1,533

Find Cheap Auto Insurance Rates in St. Michaels, MD by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in St. Michaels, Maryland

Insurance Company Low Medium High
Allstate $4,009 $4,075 $4,202
GEICO $2,905 $2,986 $3,119
Liberty Mutual $7,835 $8,049 $8,321
Nationwide $2,113 $2,204 $2,280
Progressive $3,043 $3,173 $3,303
State Farm $2,945 $3,105 $3,240
USAA $2,175 $2,286 $2,376

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap St. Michaels, MD Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in St. Michaels, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,039 $4,152
GEICO $2,952 $3,055
Liberty Mutual $7,850 $8,288
Nationwide $2,199 $2,199
Progressive $3,173 $3,173
State Farm $3,018 $3,175
USAA $2,208 $2,349

Find Cheap St. Michaels, MD Auto Insurance Rates by Driving Record

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

Annual St. Michaels, Maryland Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,640 $4,796 $3,640 $4,307
GEICO $2,144 $3,316 $3,995 $2,558
Liberty Mutual $5,883 $7,691 $11,339 $7,361
Nationwide $1,942 $2,588 $2,073 $2,194
Progressive $2,722 $3,568 $3,284 $3,118
State Farm $2,783 $3,479 $3,062 $3,062
USAA $1,798 $2,190 $3,192 $1,935

Find Cheap St. Michaels, MD Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in St. Michaels, Maryland

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,640
GEICO $3,995
Liberty Mutual $11,339
Nationwide $2,073
Progressive $3,284
State Farm $3,062
USAA $3,192

Winners by Category: Where to Buy Cheap Auto Insurance in St. Michaels, MD

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

Best Annual Auto Insurance Rates by Company in St. Michaels, Maryland

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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap St. Michaels, Maryland Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in St. Michaels, Maryland

Insurance Company Average Annual Rates
Allstate $4,095
GEICO $3,003
Liberty Mutual $8,069
Nationwide $2,199
Progressive $3,173
State Farm $3,096
USAA $2,279

What affects St. Michaels, Maryland auto insurance rates?

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

Commute Times in St. Michaels

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in St. Michaels, MD is 26.0 minutes according to City-Data.

Compare Auto Insurance Quotes in St. Michaels, MD

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

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption