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

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

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


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

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

Manchester Pennville Parkville Carroll County Hampstead West Manheim
Average Insurance Rates $1,380 $1,413 $1,424 $1,402 $1,361 $1,486

Manchester, 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 Manchester, 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)
Manchester $970 $820
Hampstead $1,866 $1,576
West Manheim $1,439 $1,215
Westminster $1,377 $1,163
Carroll County $1,338 $1,130
Parkville $1,965 $1,660
Codorus $1,182 $999
Pennville $1,455 $1,229

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

Teenagers in Manchester, 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 $4,478
20 Years $1,773
30 Years $1,366
40 Years $1,314
50 Years $1,217
60 Years $1,234
70 Years $1,436

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

Car owners in Manchester, 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 $2,401 $359
3 Vehicles $3,602 $538
4 Vehicles $4,802 $718

Savings on 2 Vehicles bundle:$359

Savings on 3 Vehicles bundle:$538

Savings on 4 Vehicles bundle:$718


Manchester, 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 Manchester, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Manchester $1,380 $2,200
Hampstead $1,361 $2,170
West Manheim $1,486 $2,339
Westminster $1,362 $2,172
Carroll County $1,402 $2,235
Parkville $1,424 $2,242
Codorus $1,500 $2,361
Pennville $1,413 $2,224

Manchester, 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) $1,184
Excellent (740-799) $1,352
Good (670-739) $1,438
Average (580-669) $1,876
Poor (300-579) $2,251

Manchester, 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 $1,441
Driver's Failure In Showing Documents +$134 $1,514
Driving With An Expired Registration +$142 $1,522
Driving At A Considerably Slow Pace +$299 $1,679
Using A Cellphone While Driving +$316 $1,696
Running A Red Light +$322 $1,702
Speeding +$338 $1,718
Driving A Vehicle Without The Required Permission +$429 $1,809
Driving With An Expired/Suspended License +$930 $2,310

Manchester, 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 $1,325
Active Disabling Device $1,325
Tracking Device $1,297
Passive Disabling Device $1,283