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

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

Zimlon, through its research, found that car owners in Bowie, 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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Best Car Insurance Rates in Bowie, MD

Car insurance is one of the most important things you can have to protect yourself, your family, and your assets. You never know when an accident will happen, and if you're not properly insured, you could be on the hook for a lot of money. That's why finding the right car insurance policy for your needs is essential. There are a lot of different factors that go into car insurance rates. Your age, gender, driving record, and the type of car you drive all affect how much your policy will cost. But where you live is also a big factor. 

The average cost of car insurance in Bowie, MD, is $1,321. The best way to find cheap car insurance in Bowie is to shop around. Get quotes from a few different companies and compare them side-by-side. You can also check out our list of Maryland's best car insurance companies to get started. No matter where you live, car insurance is a necessary expense. But you can save a lot of money by doing homework and shopping. You can find the perfect policy for your needs with a little effort. Several factors that affect auto insurance prices in Bowie, Maryland, are listed in this article.

Credit History

Credit history is one of the primary factors that insurers use to set rates for auto insurance. Generally, drivers with poor credit pay more for car insurance than those with good credit. There are a few reasons for this. First, insurers believe that drivers with poor credit are more likely to file claims. Second, drivers with poor credit are more likely to have lapses in coverage, which can also lead to claims. Finally, insurers believe that drivers with poor credit are more likely to engage in risky driving behaviours, such as speeding or driving under the influence. For example, in Bowie, MD, car owners with exceptional credit scores have to pay  $1,133, while those with poor or low credit must pay $2,155.

Age of the Driver

The Age of the Driver affects the cost of Car Insurance in Bowie, MD. Drivers who are under the age of 20 are considered to be high-risk drivers by insurance companies. As a result, they are charged higher premiums for their car insurance. In addition, young drivers are also more likely to be involved in accidents, which further increases the cost of their insurance. For instance, teenagers in Bowie, Maryland, spend $4,286 for auto insurance, whereas drivers over the age of 40 pay$1,258.

Driving History

Drivers with a clean driving record will typically pay less for car insurance than those with a history of accidents or moving violations. Insurance companies use driving history as one of the criteria for determining rates because it is a good indicator of future risk. Drivers with a history of accidents or violations are more likely to get into another accident or get ticketed again, and this increased risk is reflected in their rates. For example, in Bowie, Maryland, drivers who run red lights or drive with an expired registration will see an increase in their insurance prices of +$308 and +$136, respectively.

Factors that can influence the cost of car insurance in Bowie, 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.

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

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

Bowie Woodmore Glenn Dale Lanham Mitchellville Queen Anne
Average Insurance Rates $1,321 $1,444 $1,429 $1,379 $1,399 $1,451

Bowie, 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 Bowie, 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)
Bowie $1,438 $1,215
Fairwood $1,387 $1,172
Woodmore $1,557 $1,315
Glenn Dale $1,706 $1,441
Mitchellville $1,297 $1,095
Queen Anne $1,597 $1,349
Crofton $1,924 $1,625
Lanham $1,800 $1,521

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

Teenagers in Bowie, 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 $4,286
20 Years $1,697
30 Years $1,307
40 Years $1,258
50 Years $1,165
60 Years $1,181
70 Years $1,375

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

Car owners in Bowie, 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 $2,299 $343
3 Vehicles $3,448 $515
4 Vehicles $4,597 $687

Savings on 2 Vehicles bundle:$343

Savings on 3 Vehicles bundle:$515

Savings on 4 Vehicles bundle:$687

Bowie, 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 Bowie, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Bowie $1,321 $2,106
Fairwood $1,463 $2,333
Woodmore $1,444 $2,302
Glenn Dale $1,429 $2,278
Mitchellville $1,399 $2,231
Queen Anne $1,451 $2,313
Crofton $1,422 $2,267
Lanham $1,379 $2,199

Bowie, 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) $1,133
Excellent (740-799) $1,294
Good (670-739) $1,377
Average (580-669) $1,796
Poor (300-579) $2,155

Bowie, 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
Shelley Driscoll Allstate 140b Mayo Rd, Edgewater, 21037 (410) 956-5700
Kirk Lynn State Farm 2431 Crofton Ln Ste 13, Crofton, 21114-1327 410-721-1800
Debo Akonai Allstate 8855 Annapolis Rd Ste 112, Lanham, 20706 (240) 770-0097
Philip Brozen & Associates Inc Nationwide 8951 Edmonston Rd, Greenbelt, 20770 (877) 891-2261
Total Access Insurance Llc Erie 14000 Jericho Park Road Suite 2308, Bowie, 20715 None
Patuxent Insurance Group Travelers 10705 CHARTER DR STE 340, COLUMBIA, 21044 410-992-5700
Performance Insurance Group Inc. Erie 1215 Annapolis Road Suite 101, Odenton, 21113 None
Ed Cassity State Farm 3505 Ellctt Mills Dr Ste A2, Ellicott City, 21043-4578 410-465-4411
Doug Mayer State Farm 1298 Cronson Blvd, Crofton, 21114-2036 410-721-0088
Ridgebrook Insurance Services Inc Erie 909 RIDGEBROOK RD STE 116, SPARKS, 21152 443-595-3100

Bowie, 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 +$58 $1,379
Driver's Failure In Showing Documents +$128 $1,449
Driving With An Expired Registration +$136 $1,457
Driving At A Considerably Slow Pace +$287 $1,608
Using A Cellphone While Driving +$303 $1,624
Running A Red Light +$308 $1,629
Speeding +$324 $1,645
Driving A Vehicle Without The Required Permission +$411 $1,732
Driving With An Expired/Suspended License +$890 $2,211

Bowie, 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 $1,268
Active Disabling Device $1,268
Tracking Device $1,242
Passive Disabling Device $1,229

Latest Auto Insurance Reviews in Bowie, MD | Back to Top

i will recommend them to my friends and family because they have got good offers and good customer care relation
we do the full coverage and roadside assistance and we love it. there really is no better company like them. I pretty sure that every company does the same coverage .
Overall, the customer service of my car insurance company is good. They check on your safety in emergency situations. However, they can be a bit sexist towards female drivers on occasion.
State Auto
State Auto insurance provide a variety of premium offers for their customers in order to attract them and also they provide a good quality service to their customers according to their needs and wants .
My last insurance company was Erie and I had to call them all the time when I wanted to make a change to my policy or whatever. Now, I don't have to do that.
I highly recommend USAA to anyone because they make me feel like a valued customer. They always get any issues I have resolved quickly and in a timely manner.
I like nationwide, they have great customer service, always happy whenever we call anytime. They help us with any questions that we may have. The monthly amount is not too bad either.