St. Leonard Auto Insurance Rates, Quotes, Agents & Reviews in MD

St. Leonard, MD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in St. Leonard, 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 St. Leonard, 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.


St. Leonard, MD Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

St. Leonard Calvert Beach Chesapeake Ranch Estates Lusby Prince Frederick Calvert County
Average Insurance Rates $1,445 $1,376 $1,344 $1,383 $1,387 $1,271

St. Leonard, 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 St. Leonard, 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)
St. Leonard $2,156 $1,821
Calvert Beach $2,163 $1,827
Long Beach $1,319 $1,114
Calvert County $1,914 $1,616
Broomes Island $1,304 $1,101
Prince Frederick $1,414 $1,195
Lusby $1,887 $1,594
Chesapeake Ranch Estates $1,143 $966

St. Leonard, MD Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in St. Leonard, 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 $4,689
20 Years $1,857
30 Years $1,430
40 Years $1,376
50 Years $1,274
60 Years $1,292
70 Years $1,504

St. Leonard, MD Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in St. Leonard, 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 $2,485 $405
3 Vehicles $3,728 $607
4 Vehicles $4,971 $809

Savings on 2 Vehicles bundle:$405

Savings on 3 Vehicles bundle:$607

Savings on 4 Vehicles bundle:$809


St. Leonard, 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 St. Leonard, MD.

Location Average Insurance Cost Post DUI Insurance Rate
St. Leonard $1,445 $2,304
Calvert Beach $1,376 $2,194
Long Beach $1,379 $2,199
Calvert County $1,271 $2,026
Broomes Island $1,408 $2,245
Prince Frederick $1,387 $2,211
Lusby $1,383 $2,205
Chesapeake Ranch Estates $1,344 $2,143

St. Leonard, 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) $1,240
Excellent (740-799) $1,415
Good (670-739) $1,506
Average (580-669) $1,964
Poor (300-579) $2,357

St. Leonard, 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 +$64 $1,509
Driver's Failure In Showing Documents +$140 $1,585
Driving With An Expired Registration +$149 $1,594
Driving At A Considerably Slow Pace +$314 $1,759
Using A Cellphone While Driving +$331 $1,776
Running A Red Light +$337 $1,782
Speeding +$354 $1,799
Driving A Vehicle Without The Required Permission +$449 $1,894
Driving With An Expired/Suspended License +$974 $2,419

St. Leonard, 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 $1,387
Active Disabling Device $1,387
Tracking Device $1,358
Passive Disabling Device $1,344