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Get Cheap Car Insurance in Boyds, MD
We monitor insurance prices, helping the average driver in Boyds save up to 26.9% on car insurance.
The Cheapest Minimum Coverage in Boyds
The chart below shows the cheapest car insurance company in Boyds for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Erie Insurance, Travelers, and Safeco Insurance.
| Boyds Insurer | Monthly Cost |
|---|---|
| State Farm | $90 |
| Erie Insurance | $92 |
| Travelers | $104 |
| Safeco Insurance | $108 |
Savings for Every Kind of Boyds Driver
Based on our extensive insurance data, we know the average Boyds driver will save about 19% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $363 per year by choosing the right vehicle insurance company. Some Boyds residents are paying out over $1,952 extra every year for auto insurance in Boyds. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Boyds, MD Savings / Yr. |
|---|---|
$363 |
|
$341 |
|
$397 |
|
$640 |
|
$1,231 |
|
$220 |
|
$860 |
Boyds Car Insurance vs. Maryland
People living in Boyds pay an average of 5.32% more than the typical driver in the state. The average driver in Boyds can expect to pay about $1,330 per year, or $1,952 for full coverage.
Based on our analysis, MetLife will be the cheapest provider in Boyds for most people.
Car Insurance Prices by Boyds Neighborhood
Insurance Prices
Where is insurance cheapest within Boyds?
The map shows insurance prices in and around Boyds, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $291 per year within the city boundaries, with insurance premiums ranging from a high of $2,112 to a low of $1,821. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the West parts of Boyds.Pick the Best Car Insurance Company for You in Boyds
The best car insurance provider for most drivers in Boyds
For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $363 over the average Boyds car insurance company.
The best car insurance provider for Boyds drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $341 over the competition.
The best car insurance company for Boyds drivers with speeding tickets
>Erie Insurance gave the average person with a speeding ticket the most savings, averaging $397 better than other car insurance companies.
The best auto insurance for Boyds drivers with a DUI conviction
Getting a quote from Erie Insurance may cost the average person with a DUI about $640 less each year.
The least expensive car insurance company for new and young drivers in Boyds
In Boyds, Erie Insurance costs young drivers $1,231 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Boyds
State Farm gave the largest car insurance discounts to married couples, averaging $220 saved each year compared to an average Boyds couple's premiums.
The cheapest car insurance in Boyds for drivers with bad credit
The best Boyds car insurance company for customer service
Recent price drops
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The cheapest large national provider in Boyds
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Boyds driver can expect to pay about $133 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Boyds, USAA has the best prices for drivers with a DUI conviction, drivers with bad credit, drivers with accidents, married couples, drivers with speeding tickets, young drivers, and good drivers.Auto Insurance Prices in and Around Boyds
What Influences the Cost of Car Insurance in Boyds?
On average, car insurance in Boyds is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Boyds is 46 minutes, which is a little more than average for a driver in the state.
- Maryland state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Boyds are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- Boyds is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Boyds is $111 per month for minimum coverage and $163 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Germantown: Insurance costs 3.07% more
- Clarksburg: Insurance costs 0.56% less
- Cedar Grove: Insurance costs 0.92% less
- Barnesville: Insurance costs 6.61% less
- Montgomery Village: Insurance costs 6.40% more
- Gaithersburg: Insurance costs 3.38% more
- Dickerson: Insurance costs 6.71% less
- Beallsville: Insurance costs 5.79% less
- Poolesville: Insurance costs 4.30% less
- North Potomac: Insurance costs 1.43% less
Cities with Similar Populations
- Adairsville: Insurance costs 9.32% less
- Yeadon: Insurance costs 5.79% less
- Dudley: Insurance costs 20.70% less
- Amherst: Insurance costs 38.99% less
- Willow Street: Insurance costs 32.33% less
- Aransas Pass: Insurance costs 11.73% less
- Moulton: Insurance costs 19.21% less
- New Market: Insurance costs 20.59% less
- Mount Vernon: Insurance costs 31.51% less
- Murphysboro: Insurance costs 22.90% less