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

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

Zimlon, through its research, found that car owners in Charles 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 Charles 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.


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

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

Charles County Dahlgren Center Bryantown Port Tobacco Village Pomfret La Plata
Average Insurance Rates $1,386 $1,859 $1,419 $1,908 $1,361 $1,406

Charles 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 Charles 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)
Charles County $995 $840
Port Tobacco Village $1,965 $1,660
La Plata $2,431 $2,053
Pomfret $2,120 $1,790
Dahlgren Center $1,915 $1,617
Bensville $1,769 $1,494
Bryans Road $1,561 $1,319
Bryantown $1,841 $1,555

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

Teenagers in Charles 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 $4,497
20 Years $1,781
30 Years $1,372
40 Years $1,320
50 Years $1,222
60 Years $1,239
70 Years $1,442

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

Car owners in Charles 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 $2,384 $388
3 Vehicles $3,576 $582
4 Vehicles $4,768 $776

Savings on 2 Vehicles bundle:$388

Savings on 3 Vehicles bundle:$582

Savings on 4 Vehicles bundle:$776


Charles 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 Charles County, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Charles County $1,386 $2,210
Port Tobacco Village $1,908 $3,042
La Plata $1,406 $2,242
Pomfret $1,361 $2,170
Dahlgren Center $1,859 $3,034
Bensville $1,412 $2,251
Bryans Road $1,370 $2,184
Bryantown $1,419 $2,262

Charles 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) $1,189
Excellent (740-799) $1,357
Good (670-739) $1,444
Average (580-669) $1,884
Poor (300-579) $2,261

Charles 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
John L Sprague Nationwide 6529 Crain Highway, La Plata, 20646-0003 (301) 934-6010
Greg Conklin State Farm 6231 Crain Hwy, La Plata, 20646-4266 240-776-4289
Joan Hackett State Farm 4820 Crain Highway, White Plains, 20695-2858 301-934-8288
Venice Mundle-Harvey Allstate 18564 Office Park Dr, Gaithersburg, 20886 (301) 740-2302
Leonard Lennie Thomas Farmers 10665 Stanhaven Pl Ste 3121, White Plains, 20695 (240) 518-8973
Watson & Watson Travelers 16033 COMPRINT CIRCLE, GAITHERSBURG, 20877 301-948-5151
Rogers & Goldbach Ins Assoc Nationwide 424 N Frederick Ave STE 1, Gaithersburg, 20877-2433 (301) 948-0000
Jack Martin & Associates Inc Travelers 135 OLD SOLOMONS ISLAND RD, ANNAPOLIS, 21401 410-626-1000

Charles 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 +$61 $1,447
Driver's Failure In Showing Documents +$134 $1,520
Driving With An Expired Registration +$143 $1,529
Driving At A Considerably Slow Pace +$301 $1,687
Using A Cellphone While Driving +$317 $1,703
Running A Red Light +$323 $1,709
Speeding +$340 $1,726
Driving A Vehicle Without The Required Permission +$431 $1,817
Driving With An Expired/Suspended License +$934 $2,320

Charles 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 $1,331
Active Disabling Device $1,331
Tracking Device $1,303
Passive Disabling Device $1,289