Cecil County Auto Insurance Rates, Quotes, Agents & Reviews in MD

Cecil County, MD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Cecil County, 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 Cecil County, 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.


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

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

Cecil County Elkton Charlestown Chesapeake City Havre de Grace North East
Average Insurance Rates $1,360 $1,344 $1,365 $1,376 $1,378 $1,342

Cecil County, 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 Cecil County, 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)
Cecil County $1,339 $1,131
Charlestown $1,552 $1,311
North East $1,046 $884
Perryville $1,856 $1,568
Elkton $1,449 $1,224
Chesapeake City $1,398 $1,181
Havre de Grace $1,882 $1,589
Port Deposit $1,254 $1,059

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

Teenagers in Cecil County, 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 $4,413
20 Years $1,747
30 Years $1,346
40 Years $1,295
50 Years $1,199
60 Years $1,216
70 Years $1,415

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

Car owners in Cecil County, 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 $2,394 $326
3 Vehicles $3,590 $490
4 Vehicles $4,787 $653

Savings on 2 Vehicles bundle:$326

Savings on 3 Vehicles bundle:$490

Savings on 4 Vehicles bundle:$653


Cecil County, 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 Cecil County, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Cecil County $1,360 $2,168
Charlestown $1,365 $2,176
North East $1,342 $2,140
Perryville $1,350 $2,152
Elkton $1,344 $2,143
Chesapeake City $1,376 $2,194
Havre de Grace $1,378 $2,197
Port Deposit $1,349 $2,151

Cecil County, 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) $1,167
Excellent (740-799) $1,332
Good (670-739) $1,417
Average (580-669) $1,849
Poor (300-579) $2,218

Cecil County, 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
Karen Michaels State Farm 2280 Pulaski Hwy, North East, 21901-3731 410-287-5800
Chesapeake Insurance Agency Inc Travelers 705 RUSTIC CT, PERRYVILLE, 21903 443-417-5652
Karen Kerr-Sheeron State Farm 827 W. Pulaski Highway, Elkton, 21921-4713 410-398-1760
Acm Ins Agency Inc Travelers 212 W MAIN ST, ELKTON, 21921 410-398-1884
Anchorage Insurance Management Travelers 1205 COTSWOLD COURT, ABDINGDON, 21009 443-279-8030
Jones Insurance Agency Inc Nationwide 272 Mackall Street Suite 1A, Elkton, 21921-5442 (410) 398-4464
Bb&K Of Maryland Inc. Dba Wsmt Insurance Liberty Mutual Independent 1614 E Churchville Rd, BEL AIR, 21015 (410) 638-8520
Pdp Group, Inc. None 10909 Mccormick Rd , Hunt Valley, 21031 None

Cecil County, 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 $1,420
Driver's Failure In Showing Documents +$132 $1,492
Driving With An Expired Registration +$140 $1,500
Driving At A Considerably Slow Pace +$295 $1,655
Using A Cellphone While Driving +$311 $1,671
Running A Red Light +$317 $1,677
Speeding +$333 $1,693
Driving A Vehicle Without The Required Permission +$423 $1,783
Driving With An Expired/Suspended License +$917 $2,277

Cecil County, 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 $1,306
Active Disabling Device $1,306
Tracking Device $1,278
Passive Disabling Device $1,265