Charlotte Hall Auto Insurance Rates, Quotes, Agents & Reviews in MD

Charlotte Hall, MD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Charlotte Hall, 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 Charlotte Hall, 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.


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

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

Charlotte Hall Eagle Harbor Golden Beach Hughesville Aquasco Mechanicsville
Average Insurance Rates $1,362 $1,356 $1,382 $1,426 $1,392 $1,407

Charlotte Hall, 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 Charlotte Hall, 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)
Charlotte Hall $1,456 $1,230
Mechanicsville $1,629 $1,376
Golden Beach $1,373 $1,160
Hughesville $1,601 $1,352
Benedict $1,284 $1,085
Bryantown $1,841 $1,555
Eagle Harbor $1,409 $1,190
Aquasco $1,421 $1,201

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

Teenagers in Charlotte Hall, 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 $4,419
20 Years $1,750
30 Years $1,348
40 Years $1,297
50 Years $1,201
60 Years $1,218
70 Years $1,417

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

Car owners in Charlotte Hall, 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 $2,343 $381
3 Vehicles $3,514 $572
4 Vehicles $4,685 $763

Savings on 2 Vehicles bundle:$381

Savings on 3 Vehicles bundle:$572

Savings on 4 Vehicles bundle:$763


Charlotte Hall, 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 Charlotte Hall, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Charlotte Hall $1,362 $2,172
Mechanicsville $1,407 $2,243
Golden Beach $1,382 $2,203
Hughesville $1,426 $2,274
Benedict $1,387 $2,211
Bryantown $1,419 $2,262
Eagle Harbor $1,356 $2,162
Aquasco $1,392 $2,219

Charlotte Hall, 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) $1,169
Excellent (740-799) $1,334
Good (670-739) $1,419
Average (580-669) $1,852
Poor (300-579) $2,222

Charlotte Hall, 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
Carrie Polk Insurance Inc Nationwide 3695 Hallowing Point Rd Suite 5, Prince Frederick, 20678-3469 (410) 535-0997
Nick Rogers State Farm 7627 Leonardtown Rd Ste 104A, Hughesville, 20637-3017 301-274-5151
Therian Johnson Allstate 11750 Business Park Dr Ste 204, Waldorf, 20601 (301) 870-7711
Duke May Allstate 30122 Three Notch Rd, Charlotte Hall, 20622 (301) 884-7122
Koehler Insurance Agency Inc Travelers 12520 MATTAWOMAN DR, WALDORF, 20601 301-843-5860
Maryland Insurance Solutions Llc Travelers 8440 OLD LEONARDTOWN RD SUITE 101, HUGHESVILLE, 20637 301-274-2480
Afam Insurance Group Llc Travelers 1 RESEARCH CT STE 450, ROCKVILLE, 20850 301-330-8400
Mary Amshey Allstate 8640 Guilford Rd Ste 212, Columbia, 21046 (410) 381-8811
Edward A Tomasko Jr Enterprises Inc Nationwide 2 Post Office Road Suite 2A, Waldorf, 20602 (301) 843-0700
Edward A Tomasko Jr Enterprises Inc Nationwide 2 Post Office Road Suite 2A, Waldorf, 20602 (301) 843-0700
Yeuni Kim Allstate 5541 Nicholson Ln, Rockville, 20852 (301) 230-9600
The Mc Ardle Agency Inc. Erie 7061 Deepage Drive Suite 102, Columbia, 21045 None

Charlotte Hall, 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 $1,422
Driver's Failure In Showing Documents +$132 $1,494
Driving With An Expired Registration +$140 $1,502
Driving At A Considerably Slow Pace +$296 $1,658
Using A Cellphone While Driving +$312 $1,674
Running A Red Light +$317 $1,679
Speeding +$334 $1,696
Driving A Vehicle Without The Required Permission +$424 $1,786
Driving With An Expired/Suspended License +$918 $2,280

Charlotte Hall, 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 $1,308
Active Disabling Device $1,308
Tracking Device $1,280
Passive Disabling Device $1,267