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

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

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


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

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

Somerset Chevy Chase Section Three Friendship Heights Village Bethesda Martin's Additions Chevy Chase Section Five
Average Insurance Rates $1,815 $1,713 $1,467 $1,659 $1,773 $1,816

Somerset, 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 Somerset, 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)
Somerset $1,870 $1,580
Friendship Heights Village $1,391 $1,175
Chevy Chase Village $2,307 $1,949
Chevy Chase Section Three $2,242 $1,894
Chevy Chase Section Five $2,296 $1,939
Martin's Additions $2,098 $1,772
Bethesda $2,170 $1,833
Brookmont $1,349 $1,140

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

Teenagers in Somerset, 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 $5,889
20 Years $2,332
30 Years $1,796
40 Years $1,728
50 Years $1,600
60 Years $1,623
70 Years $1,889

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

Car owners in Somerset, 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 $3,086 $545
3 Vehicles $4,628 $817
4 Vehicles $6,171 $1,089

Savings on 2 Vehicles bundle:$545

Savings on 3 Vehicles bundle:$817

Savings on 4 Vehicles bundle:$1,089


Somerset, 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 Somerset, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Somerset $1,815 $2,894
Friendship Heights Village $1,467 $2,339
Chevy Chase Village $2,000 $3,189
Chevy Chase Section Three $1,713 $2,731
Chevy Chase Section Five $1,816 $2,895
Martin's Additions $1,773 $2,827
Bethesda $1,659 $2,645
Brookmont $1,701 $2,712

Somerset, 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) $1,557
Excellent (740-799) $1,778
Good (670-739) $1,891
Average (580-669) $2,467
Poor (300-579) $2,960

Somerset, 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 +$80 $1,895
Driver's Failure In Showing Documents +$176 $1,991
Driving With An Expired Registration +$187 $2,002
Driving At A Considerably Slow Pace +$394 $2,209
Using A Cellphone While Driving +$416 $2,231
Running A Red Light +$423 $2,238
Speeding +$445 $2,260
Driving A Vehicle Without The Required Permission +$564 $2,379
Driving With An Expired/Suspended License +$1,223 $3,038

Somerset, 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 $1,742
Active Disabling Device $1,742
Tracking Device $1,706
Passive Disabling Device $1,688