Tilghman Island Auto Insurance Rates, Quotes, Agents & Reviews in MD

Tilghman Island, MD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Tilghman Island, 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 Tilghman Island, 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.


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

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

Tilghman Island Chesapeake Beach Shady Side Oxford Talbot County St. Michaels
Average Insurance Rates $1,405 $1,395 $1,389 $1,511 $1,397 $1,441

Tilghman Island, 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 Tilghman Island, 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)
Tilghman Island $1,834 $1,549
St. Michaels $1,803 $1,523
Oxford $2,009 $1,697
Talbot County $2,417 $2,042
North Beach $1,293 $1,092
Chesapeake Beach $1,529 $1,291
Deale $1,766 $1,492
Shady Side $1,597 $1,349

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

Teenagers in Tilghman Island, 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 $4,559
20 Years $1,805
30 Years $1,390
40 Years $1,338
50 Years $1,239
60 Years $1,256
70 Years $1,462

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

Car owners in Tilghman Island, 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 $2,473 $337
3 Vehicles $3,709 $506
4 Vehicles $4,946 $674

Savings on 2 Vehicles bundle:$337

Savings on 3 Vehicles bundle:$506

Savings on 4 Vehicles bundle:$674


Tilghman Island, 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 Tilghman Island, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Tilghman Island $1,405 $2,240
St. Michaels $1,441 $2,297
Oxford $1,511 $2,409
Talbot County $1,397 $2,227
North Beach $1,395 $2,224
Chesapeake Beach $1,395 $2,224
Deale $1,410 $2,248
Shady Side $1,389 $2,215

Tilghman Island, 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) $1,205
Excellent (740-799) $1,376
Good (670-739) $1,464
Average (580-669) $1,910
Poor (300-579) $2,292

Tilghman Island, MD Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Shelley Driscoll Allstate 140b Mayo Rd, Edgewater, 21037 (410) 956-5700
Union First Financial Services Inc Travelers 4536 OWENSVILLE SUDLEY RD, HARWOOD, 20776 410-956-1501
Beverly Dimka State Farm 3287 Solomons Isl Rd, Edgewater, 21037-2714 410-956-1302
Yates Insurance Inc Liberty Mutual Independent 3294 SOLOMONS ISLAND RD, EDGEWATER, 21037 410-956-7360
Beverly Dimka State Farm 3287 Solomons Island Rd, Edgewater, 21037 410-956-1302
Harrington Ins Agy Allstate 904 S Talbot St, Saint Michaels, 21663 (410) 822-5087
Robin E Wilson Travelers 10202 HAILEM SCHOOL RD, EASTON, 21601 410-822-4793
John G Rogers And Associates Inc Nationwide 1057 S. Charles St, Baltimore, 21230-4007 (410) 727-3909
Donald E. Mettee Insurance Agency Inc. Nationwide 9070 Chevrolet Dr, Ellicott City, 21042-4018 (410) 480-9911

Tilghman Island, 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 +$62 $1,467
Driver's Failure In Showing Documents +$136 $1,541
Driving With An Expired Registration +$145 $1,550
Driving At A Considerably Slow Pace +$305 $1,710
Using A Cellphone While Driving +$322 $1,727
Running A Red Light +$327 $1,732
Speeding +$344 $1,749
Driving A Vehicle Without The Required Permission +$437 $1,842
Driving With An Expired/Suspended License +$947 $2,352

Tilghman Island, 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 $1,349
Active Disabling Device $1,349
Tracking Device $1,321
Passive Disabling Device $1,307