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

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

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


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

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

Howard County Sykesville Ellicott City Fulton Ashton-Sandy Spring Columbia
Average Insurance Rates $1,454 $1,417 $1,493 $1,540 $1,553 $1,421

Howard 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 Howard 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)
Howard County $1,955 $1,651
Highland $1,458 $1,232
Columbia $1,779 $1,502
Ellicott City $1,863 $1,574
Fulton $1,918 $1,620
Scaggsville $1,431 $1,208
Ashton-Sandy Spring $1,933 $1,633
Sykesville $1,747 $1,476

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

Teenagers in Howard 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 $4,718
20 Years $1,868
30 Years $1,439
40 Years $1,384
50 Years $1,282
60 Years $1,300
70 Years $1,513

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

Car owners in Howard 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 $2,559 $349
3 Vehicles $3,839 $523
4 Vehicles $5,118 $698

Savings on 2 Vehicles bundle:$349

Savings on 3 Vehicles bundle:$523

Savings on 4 Vehicles bundle:$698


Howard 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 Howard County, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Howard County $1,454 $2,318
Highland $1,549 $2,470
Columbia $1,421 $2,266
Ellicott City $1,493 $2,380
Fulton $1,540 $2,455
Scaggsville $1,475 $2,352
Ashton-Sandy Spring $1,553 $2,476
Sykesville $1,417 $2,259

Howard 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) $1,248
Excellent (740-799) $1,424
Good (670-739) $1,515
Average (580-669) $1,977
Poor (300-579) $2,372

Howard 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
Bill Guthridge Allstate 6420 Dobbin Rd Ste E, Columbia, 21045 (410) 740-7070
Ed Cassity State Farm 3505 Ellctt Mills Dr Ste A2, Ellicott City, 21043-4578 410-465-4411
Dave Jones State Farm 8640 Guilford Road, Columbia, 21046-2655 410-381-7386
Keith Sigur State Farm 8875 Centre Park Dr Ste H, Columbia, 21045-2382 410-740-1702
Matthew K Boudreau Nationwide 6700 Alexander Bell Dr STE 200, Columbia, 21046 (410) 257-6766
Henry Speckhardt Allstate 5300 Dorsey Hall Dr Ste 202, Ellicott City, 21042 (410) 997-0074
Thomas Bole Allstate 10296A Baltimore National Pike, Ellicott City, 21042 (410) 465-5900
Chip Doetsch Allstate 8800 Stanford Blvd, Columbia, 21045 (443) 539-1200
H B W Insurance Group, Inc. Travelers 2 E ROLLING CROSSROADS SUITE 151, CATONSVILLE, 21228 410-744-4313

Howard 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 +$64 $1,518
Driver's Failure In Showing Documents +$141 $1,595
Driving With An Expired Registration +$150 $1,604
Driving At A Considerably Slow Pace +$316 $1,770
Using A Cellphone While Driving +$333 $1,787
Running A Red Light +$339 $1,793
Speeding +$356 $1,810
Driving A Vehicle Without The Required Permission +$452 $1,906
Driving With An Expired/Suspended License +$980 $2,434

Howard 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 $1,396
Active Disabling Device $1,396
Tracking Device $1,367
Passive Disabling Device $1,352