Berlin Auto Insurance Rates, Quotes, Agents & Reviews in MD

Berlin, MD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Berlin, MD, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Berlin, MD are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Berlin, MD Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Berlin, MD with that of other cities in and around Berlin.

Berlin Newark Willards West Ocean City Powellville Whaleyville
Average Insurance Rates $1,358 $1,817 $1,308 $1,385 $2,038 $1,775

Berlin, MD Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Berlin, MD based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Berlin $1,864 $1,575
Ocean Pines $1,882 $1,589
West Ocean City $1,427 $1,205
Newark $1,872 $1,581
Whaleyville $1,828 $1,544
Bishopville $1,676 $1,415
Willards $1,343 $1,134
Powellville $1,600 $1,351

Berlin, MD Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Berlin, MD usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,406
20 Years $1,745
30 Years $1,344
40 Years $1,293
50 Years $1,197
60 Years $1,214
70 Years $1,413

Berlin, MD Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Berlin, MD can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,336 $380
3 Vehicles $3,504 $570
4 Vehicles $4,672 $760

Savings on 2 Vehicles bundle:$380

Savings on 3 Vehicles bundle:$570

Savings on 4 Vehicles bundle:$760


Berlin, MD Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Berlin, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Berlin $1,358 $2,165
Ocean Pines $1,377 $2,195
West Ocean City $1,385 $2,208
Newark $1,817 $2,897
Whaleyville $1,775 $2,830
Bishopville $1,402 $2,235
Willards $1,308 $2,085
Powellville $2,038 $3,249

Berlin, MD Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,165
Excellent (740-799) $1,330
Good (670-739) $1,415
Average (580-669) $1,846
Poor (300-579) $2,215

Berlin, MD Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Demetriou Insurance Services Inc Liberty Mutual Independent 63 FALCONBRIDGE, OCEAN PINES, 21811 410-541-6555
Insurance Management Group Inc Travelers 109 77TH STREET, OCEAN CITY, 21842 410-524-5700
Rick Ropp State Farm 10514 Racetrack Rd Ste E, Berlin, 21811-3241 410-641-7777
Atlantic Smith Cropper & Deeley Llc Liberty Mutual Independent 7171 BENT PINE RD, WILLARDS, 21874 410-524-3850
Gondeck Insurance Agency Travelers 8543 LEGION RD, DENTON, 21629 410-479-2463
Oconor Piper & Flynn Insurance Agency Llc Travelers 7171 BENT PINE RD, WILLARDS, 21874 410-524-3850

Berlin, MD Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$60 $1,418
Driver's Failure In Showing Documents +$132 $1,490
Driving With An Expired Registration +$140 $1,498
Driving At A Considerably Slow Pace +$295 $1,653
Using A Cellphone While Driving +$311 $1,669
Running A Red Light +$316 $1,674
Speeding +$333 $1,691
Driving A Vehicle Without The Required Permission +$422 $1,780
Driving With An Expired/Suspended License +$915 $2,273

Berlin, MD Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,304
Active Disabling Device $1,304
Tracking Device $1,277
Passive Disabling Device $1,263