Mount Rainier Auto Insurance Rates, Quotes, Agents & Reviews in MD

Mount Rainier, MD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Mount Rainier, 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 Mount Rainier, 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.


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

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

Mount Rainier Colmar Manor Edmonston Cottage City Hyattsville Chillum
Average Insurance Rates $1,386 $1,339 $1,349 $1,350 $1,384 $1,365

Mount Rainier, 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 Mount Rainier, 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)
Mount Rainier $1,739 $1,469
Brentwood $1,785 $1,508
North Brentwood $1,427 $1,205
Cottage City $1,166 $985
Hyattsville $1,009 $853
Colmar Manor $2,058 $1,738
Edmonston $1,474 $1,245
Chillum $1,782 $1,505

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

Teenagers in Mount Rainier, 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 $4,497
20 Years $1,781
30 Years $1,372
40 Years $1,320
50 Years $1,222
60 Years $1,239
70 Years $1,442

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

Car owners in Mount Rainier, 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 $2,356 $416
3 Vehicles $3,534 $624
4 Vehicles $4,712 $832

Savings on 2 Vehicles bundle:$416

Savings on 3 Vehicles bundle:$624

Savings on 4 Vehicles bundle:$832


Mount Rainier, 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 Mount Rainier, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Mount Rainier $1,386 $2,210
Brentwood $1,367 $2,179
North Brentwood $1,367 $2,179
Cottage City $1,350 $2,152
Hyattsville $1,384 $2,207
Colmar Manor $1,339 $2,135
Edmonston $1,349 $2,151
Chillum $1,365 $2,176

Mount Rainier, 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) $1,189
Excellent (740-799) $1,357
Good (670-739) $1,444
Average (580-669) $1,884
Poor (300-579) $2,261

Mount Rainier, 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 $1,447
Driver's Failure In Showing Documents +$134 $1,520
Driving With An Expired Registration +$143 $1,529
Driving At A Considerably Slow Pace +$301 $1,687
Using A Cellphone While Driving +$317 $1,703
Running A Red Light +$323 $1,709
Speeding +$340 $1,726
Driving A Vehicle Without The Required Permission +$431 $1,817
Driving With An Expired/Suspended License +$934 $2,320

Mount Rainier, 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 $1,331
Active Disabling Device $1,331
Tracking Device $1,303
Passive Disabling Device $1,289