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Get Cheap Car Insurance in Howard Park, Gwynn Oak, MD

We monitor insurance prices, helping the average driver in Howard Park save up to 26.9% on car insurance.

 

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The Cheapest Minimum Coverage in Howard Park

The chart below shows the cheapest car insurance company in Howard Park 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.

 
Howard Park Insurer Monthly Cost
State Farm $110
Erie Insurance $111
Travelers $127
Safeco Insurance $131

Savings for Every Kind of Howard Park Driver

The table shows how much the average auto insurance customer in Howard Park might save by following our recommendations.

Based on our extensive insurance data, we know the average Howard Park 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 $440 per year by choosing the right vehicle insurance company. Some Howard Park residents are paying out over $2,365 extra every year for auto insurance in Howard Park. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Howard Park, Gwynn Oak, MD Savings / Yr.
Drivers with good records
$440
Drivers with accidents
$414
Drivers with speeding tickets
$481
Drivers with a DUI conviction
$776
Young drivers
$1,492
Married drivers
$267
Drivers with bad credit
$1,043

Howard Park Car Insurance vs. Gwynn Oak

People living in Howard Park pay an average of 27.64% more than the typical driver in the state. The average driver in Howard Park can expect to pay about $1,612 per year, or $2,365 for full coverage.

Based on our analysis, MetLife will be the cheapest provider in Howard Park for most people.

Car Insurance Prices by Howard Park Neighborhood

Howard Park, Gwynn Oak, MD map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Howard Park?

The map shows insurance prices in and around Howard Park, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $384 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,532 to a low of $2,148. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southwest parts of Howard Park.

Pick the Best Car Insurance Company for You in Howard Park

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Howard Park insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Howard Park

For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $440 over the average Howard Park car insurance company.

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We use the average good driver, paying $160 per month, as our baseline for pricing in Howard Park. Geico, Travelers, and MetLife are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Howard Park drivers with accidents on their records

In Howard Park getting into an accident will raise premiums an average 25% for a yearly cost of $3,158. That's $793 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Erie Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $414 over the competition.

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The best car insurance company for Howard Park drivers with speeding tickets

>Erie Insurance gave the average person with a speeding ticket the most savings, averaging $481 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Howard Park, tickets raise premiums on new quotes about $495. If you have a speeding ticket, we recommend State Farm, Geico, and Erie Insurance for savings that beat the average insurance cost of $2,860 per year.

The best auto insurance for Howard Park drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,384 per year in auto insurance premiums, which was $1,019 more than a driver with no major issues. Progressive, Travelers, and Erie Insurance penalized their customers the least for a DUI.

Getting a quote from Erie Insurance may cost the average person with a DUI about $776 less each year.

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The least expensive car insurance company for new and young drivers in Howard Park

In Howard Park, Erie Insurance costs young drivers $1,492 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 68% more for insurance than more mature drivers in Howard Park. With an average cost of $7,323 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Erie Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Howard Park

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $198. State Farm, Progressive, and Erie Insurance provided the largest discounts to couples living in Howard Park.

State Farm gave the largest car insurance discounts to married couples, averaging $267 saved each year compared to an average Howard Park couple's premiums.

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The cheapest car insurance in Howard Park for drivers with bad credit

People with poor credit saved an average of $1,043 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,510 every year. Premiums for people with poor credit were about $3,875 in Howard Park. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Progressive, and Safe Auto.

The best Howard Park car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Howard Park, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Howard Park.

Nationwide was the best company for customer service in Howard Park according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Howard Park, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Howard Park. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Howard Park

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 18% of Howard Park residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Howard Park driver can expect to pay about $133 per month.

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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 Howard Park, 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.
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Auto Insurance Prices in and Around Howard Park

What Influences the Cost of Car Insurance in Howard Park?

On average, car insurance in Howard Park 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 neighborhood are influenced by the following factors:

  • The average commute time in Howard Park is 42 minutes, which is a little more than average for a driver in the city.
  • 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 Howard Park are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
  • Howard Park is a fairly densely populated area in the state. The neighborhood’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 Howard Park is $134 per month for minimum coverage and $197 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 Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Howard Park driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Howard Park with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.