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

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

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


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

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

Dorchester County Church Creek Fishing Creek Tyaskin Elliott Algonquin
Average Insurance Rates $1,333 $1,355 $1,398 $1,827 $1,845 $1,351

Dorchester 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 Dorchester 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)
Dorchester County $1,676 $1,415
Church Creek $1,500 $1,267
Elliott $1,900 $1,605
Cambridge $2,006 $1,695
Madison $1,873 $1,582
Algonquin $1,463 $1,235
Fishing Creek $1,534 $1,295
Tyaskin $1,882 $1,589

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

Teenagers in Dorchester 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 $4,325
20 Years $1,713
30 Years $1,319
40 Years $1,269
50 Years $1,175
60 Years $1,192
70 Years $1,387

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

Car owners in Dorchester 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 $2,346 $320
3 Vehicles $3,519 $480
4 Vehicles $4,692 $640

Savings on 2 Vehicles bundle:$320

Savings on 3 Vehicles bundle:$480

Savings on 4 Vehicles bundle:$640


Dorchester 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 Dorchester County, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Dorchester County $1,333 $2,125
Church Creek $1,355 $2,160
Elliott $1,845 $2,942
Cambridge $1,321 $2,106
Madison $1,818 $2,899
Algonquin $1,351 $2,154
Fishing Creek $1,398 $2,229
Tyaskin $1,827 $2,913

Dorchester 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) $1,144
Excellent (740-799) $1,306
Good (670-739) $1,389
Average (580-669) $1,812
Poor (300-579) $2,174

Dorchester 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
Whitten Insurance Agency Llc Nationwide 317 Crusader Rd, Cambridge, 21613-2551 (410) 228-7484
William Hunt Allstate 436 Race St, Cambridge, 21613 (410) 228-1656
Henry M Murray Agency Inc Liberty Mutual Independent 2498 RIVA RD, ANNAPOLIS, 21401 (410) 224-2664
Jack Martin Insurance Advisors Erie 111 FORBES ST, ANNAPOLIS, 21401 410-263-8000
Mathes Insurance Advisors Inc. Erie 133 Defense Hwy Suite 101, Annapolis, 21401 None
Harrington Ins Agy Allstate 508 Poplar St, Cambridge, 21613 (410) 228-5000
Browns Ins Services Llc Travelers 2700 BRADBURY CT, DAVIDSONVILLE, 21035 443-949-6006
Wilton Colbert Allstate 170 Jennifer Rd, Annapolis, 21401 (410) 841-6311
Carrie Polk Insurance Inc Nationwide 3146 Old Washington Rd, Waldorf, 20602 (301) 932-4888
John G Rogers And Associates Inc Nationwide 420 Chinquapin Round Rd STE 1, Annapolis, 21401-4006 (410) 727-2886

Dorchester 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 +$59 $1,392
Driver's Failure In Showing Documents +$129 $1,462
Driving With An Expired Registration +$137 $1,470
Driving At A Considerably Slow Pace +$289 $1,622
Using A Cellphone While Driving +$305 $1,638
Running A Red Light +$311 $1,644
Speeding +$327 $1,660
Driving A Vehicle Without The Required Permission +$415 $1,748
Driving With An Expired/Suspended License +$898 $2,231

Dorchester 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 $1,280
Active Disabling Device $1,280
Tracking Device $1,253
Passive Disabling Device $1,240