Ilchester Auto Insurance Rates, Quotes, Agents & Reviews in MD

Ilchester, MD Auto Insurance Rates, Quotes, Agents & Reviews

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


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

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

Ilchester Lansdowne Linthicum Catonsville Jessup Elkridge
Average Insurance Rates $1,428 $1,321 $1,386 $1,397 $1,393 $1,408

Ilchester, 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 Ilchester, 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)
Ilchester $1,669 $1,409
Elkridge $1,615 $1,364
Catonsville $1,024 $865
Arbutus $1,861 $1,572
Jessup $1,391 $1,175
Linthicum $2,378 $2,009
Columbia $1,779 $1,502
Lansdowne $1,407 $1,188

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

Teenagers in Ilchester, 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 $4,634
20 Years $1,835
30 Years $1,413
40 Years $1,360
50 Years $1,259
60 Years $1,277
70 Years $1,486

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

Car owners in Ilchester, 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 $2,456 $400
3 Vehicles $3,684 $600
4 Vehicles $4,912 $800

Savings on 2 Vehicles bundle:$400

Savings on 3 Vehicles bundle:$600

Savings on 4 Vehicles bundle:$800


Ilchester, 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 Ilchester, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Ilchester $1,428 $2,277
Elkridge $1,408 $2,245
Catonsville $1,397 $2,227
Arbutus $1,356 $2,162
Jessup $1,393 $2,221
Linthicum $1,386 $2,210
Columbia $1,421 $2,266
Lansdowne $1,321 $2,106

Ilchester, 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) $1,225
Excellent (740-799) $1,399
Good (670-739) $1,488
Average (580-669) $1,941
Poor (300-579) $2,329

Ilchester, 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 +$63 $1,491
Driver's Failure In Showing Documents +$139 $1,567
Driving With An Expired Registration +$147 $1,575
Driving At A Considerably Slow Pace +$310 $1,738
Using A Cellphone While Driving +$327 $1,755
Running A Red Light +$333 $1,761
Speeding +$350 $1,778
Driving A Vehicle Without The Required Permission +$444 $1,872
Driving With An Expired/Suspended License +$962 $2,390

Ilchester, 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 $1,371
Active Disabling Device $1,371
Tracking Device $1,342
Passive Disabling Device $1,328