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Get Cheap Car Insurance in North East, MD

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

 

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The Cheapest Minimum Coverage in North East

The chart below shows the cheapest car insurance company in North East 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.

 
North East Insurer Monthly Cost
State Farm $85
Erie Insurance $86
Travelers $99
Safeco Insurance $102

Savings for Every Kind of North East Driver

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

Based on our extensive insurance data, we know the average North East 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 $343 per year by choosing the right vehicle insurance company. Some North East residents are paying out over $1,841 extra every year for auto insurance in North East. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

North East Car Insurance vs. Maryland

People living in North East pay an average of 0.62% less than the typical driver in the state. The average driver in North East can expect to pay about $1,255 per year, or $1,841 for full coverage.

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

Car Insurance Prices by North East Neighborhood

North East, MD map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within North East?

The map shows insurance prices in and around North East, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $129 per year within the city boundaries, with insurance premiums ranging from a high of $1,882 to a low of $1,753. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northeast parts of North East.

Pick the Best Car Insurance Company for You in North East

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 North East insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in North East

For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $343 over the average North East car insurance company.

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We use the average good driver, paying $125 per month, as our baseline for pricing in North East. 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 North East drivers with accidents on their records

In North East getting into an accident will raise premiums an average 25% for a yearly cost of $2,459. That's $617 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 $322 over the competition.

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The best car insurance company for North East drivers with speeding tickets

>Erie Insurance gave the average person with a speeding ticket the most savings, averaging $375 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 North East, tickets raise premiums on new quotes about $386. If you have a speeding ticket, we recommend State Farm, Geico, and Erie Insurance for savings that beat the average insurance cost of $2,227 per year.

The best auto insurance for North East drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,635 per year in auto insurance premiums, which was $793 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 $604 less each year.

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The least expensive car insurance company for new and young drivers in North East

In North East, Erie Insurance costs young drivers $1,162 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 North East. With an average cost of $5,701 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 North East

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $154. State Farm, Progressive, and Erie Insurance provided the largest discounts to couples living in North East.

State Farm gave the largest car insurance discounts to married couples, averaging $208 saved each year compared to an average North East couple's premiums.

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The cheapest car insurance in North East for drivers with bad credit

People with poor credit saved an average of $812 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,176 every year. Premiums for people with poor credit were about $3,017 in North East. 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 North East car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In North East, 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 North East.

Nationwide was the best company for customer service in North East 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 North East, 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 North East. 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 North East

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 27% of North East residents who are renting, and don't plan to be in the city or state 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 North East 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 North East, 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 North East

What Influences the Cost of Car Insurance in North East?

On average, car insurance in North East is actually less expensive than the rest of the state. These low 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 North East is 37 minutes, which is a little less 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 North East 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.
  • North East 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 North East is $105 per month for minimum coverage and $153 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

Cities with Similar Populations

* Who is the average North East driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central North East 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.