West Ocean City Auto Insurance Rates, Quotes, Agents & Reviews in MD

West Ocean City, MD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in West Ocean City, 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 West Ocean City, 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.


West Ocean City, MD Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

West Ocean City Ocean Pines Berlin Ocean City Bishopville Whaleyville
Average Insurance Rates $1,385 $1,377 $1,358 $1,385 $1,402 $1,775

West Ocean City, 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 West Ocean City, 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)
West Ocean City $1,427 $1,205
Ocean Pines $1,882 $1,589
Ocean City $1,737 $1,467
Berlin $1,864 $1,575
Bishopville $1,676 $1,415
Fenwick Island $1,489 $1,258
Selbyville $1,904 $1,609
Whaleyville $1,828 $1,544

West Ocean City, MD Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in West Ocean City, 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 $4,494
20 Years $1,780
30 Years $1,371
40 Years $1,319
50 Years $1,221
60 Years $1,238
70 Years $1,441

West Ocean City, MD Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in West Ocean City, 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 $2,438 $332
3 Vehicles $3,656 $499
4 Vehicles $4,875 $665

Savings on 2 Vehicles bundle:$332

Savings on 3 Vehicles bundle:$499

Savings on 4 Vehicles bundle:$665


West Ocean City, 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 West Ocean City, MD.

Location Average Insurance Cost Post DUI Insurance Rate
West Ocean City $1,385 $2,208
Ocean Pines $1,377 $2,195
Ocean City $1,385 $2,208
Berlin $1,358 $2,165
Bishopville $1,402 $2,235
Fenwick Island $2,295 $3,802
Selbyville $1,849 $3,063
Whaleyville $1,775 $2,830

West Ocean City, 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) $1,188
Excellent (740-799) $1,356
Good (670-739) $1,443
Average (580-669) $1,883
Poor (300-579) $2,259

West Ocean City, 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
Beth Gismondi Allstate 9927 Stephen Decatur Hwy Ste 12, Ocean City, 21842 (410) 213-7400
Claudia Nicholls State Farm 29 Broad St Ste 103, Berlin, 21811-1053 410-641-4030
Demetriou Insurance Services Inc Liberty Mutual Independent 63 FALCONBRIDGE, OCEAN PINES, 21811 410-541-6555
Insurance Management Group Inc Travelers 109 77TH STREET, OCEAN CITY, 21842 410-524-5700
Rick Ropp State Farm 10514 Racetrack Rd Ste E, Berlin, 21811-3241 410-641-7777
Atlantic Smith Cropper & Deeley Llc Liberty Mutual Independent 7171 BENT PINE RD RTE 50, WILLARDS, 21874 410-835-2000
Frederick Pastore Allstate 111 Naylor St, Salisbury, 21804 (410) 860-0866

West Ocean City, 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 $1,446
Driver's Failure In Showing Documents +$134 $1,519
Driving With An Expired Registration +$143 $1,528
Driving At A Considerably Slow Pace +$301 $1,686
Using A Cellphone While Driving +$317 $1,702
Running A Red Light +$323 $1,708
Speeding +$339 $1,724
Driving A Vehicle Without The Required Permission +$431 $1,816
Driving With An Expired/Suspended License +$933 $2,318

West Ocean City, 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 $1,330
Active Disabling Device $1,330
Tracking Device $1,302
Passive Disabling Device $1,288