Naval Academy Auto Insurance Rates, Quotes, Agents & Reviews in MD

Naval Academy, MD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Naval Academy, 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 Naval Academy, 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.


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

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

Naval Academy Parole Arnold Annapolis Neck Cape St. Claire Annapolis
Average Insurance Rates $1,845 $1,448 $1,448 $1,507 $1,421 $1,201

Naval Academy, 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 Naval Academy, 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)
Naval Academy $1,900 $1,605
Annapolis $1,481 $1,251
Annapolis Neck $1,880 $1,588
Highland Beach $1,820 $1,537
Parole $1,949 $1,646
Arnold $1,046 $884
Anne Arundel County $1,913 $1,616
Cape St. Claire $1,779 $1,502

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

Teenagers in Naval Academy, 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 $5,987
20 Years $2,371
30 Years $1,826
40 Years $1,757
50 Years $1,627
60 Years $1,650
70 Years $1,920

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

Car owners in Naval Academy, 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 $3,173 $517
3 Vehicles $4,760 $775
4 Vehicles $6,347 $1,033

Savings on 2 Vehicles bundle:$517

Savings on 3 Vehicles bundle:$775

Savings on 4 Vehicles bundle:$1,033


Naval Academy, 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 Naval Academy, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Naval Academy $1,845 $2,942
Annapolis $1,201 $1,915
Annapolis Neck $1,507 $2,403
Highland Beach $1,510 $2,407
Parole $1,448 $2,309
Arnold $1,448 $2,309
Anne Arundel County $1,365 $2,176
Cape St. Claire $1,421 $2,266

Naval Academy, 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) $1,583
Excellent (740-799) $1,807
Good (670-739) $1,923
Average (580-669) $2,508
Poor (300-579) $3,009

Naval Academy, 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 +$81 $1,926
Driver's Failure In Showing Documents +$179 $2,024
Driving With An Expired Registration +$190 $2,035
Driving At A Considerably Slow Pace +$400 $2,245
Using A Cellphone While Driving +$423 $2,268
Running A Red Light +$430 $2,275
Speeding +$452 $2,297
Driving A Vehicle Without The Required Permission +$574 $2,419
Driving With An Expired/Suspended License +$1,244 $3,089

Naval Academy, 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 $1,771
Active Disabling Device $1,771
Tracking Device $1,734
Passive Disabling Device $1,716