Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Ocean Pines, MD
We monitor insurance prices, helping the average driver in Ocean Pines save up to 26.9% on car insurance.
The Cheapest Minimum Coverage in Ocean Pines
The chart below shows the cheapest car insurance company in Ocean Pines 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.
| Ocean Pines Insurer | Monthly Cost |
|---|---|
| State Farm | $80 |
| Erie Insurance | $81 |
| Travelers | $92 |
| Safeco Insurance | $96 |
Savings for Every Kind of Ocean Pines Driver
Based on our extensive insurance data, we know the average Ocean Pines 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 $321 per year by choosing the right vehicle insurance company. Some Ocean Pines residents are paying out over $1,726 extra every year for auto insurance in Ocean Pines. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Ocean Pines, MD Savings / Yr. |
|---|---|
$321 |
|
$302 |
|
$351 |
|
$566 |
|
$1,089 |
|
$195 |
|
$761 |
Ocean Pines Car Insurance vs. Maryland
People living in Ocean Pines pay an average of 6.85% less than the typical driver in the state. The average driver in Ocean Pines can expect to pay about $1,177 per year, or $1,726 for full coverage.
Based on our analysis, MetLife will be the cheapest provider in Ocean Pines for most people.
Car Insurance Prices by Ocean Pines Neighborhood
Insurance Prices
Where is insurance cheapest within Ocean Pines?
The map shows insurance prices in and around Ocean Pines, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $143 per year within the city boundaries, with insurance premiums ranging from a high of $1,789 to a low of $1,646. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the West parts of Ocean Pines.Pick the Best Car Insurance Company for You in Ocean Pines
The best car insurance provider for most drivers in Ocean Pines
For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $321 over the average Ocean Pines car insurance company.
The best car insurance provider for Ocean Pines 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 $302 over the competition.
The best car insurance company for Ocean Pines drivers with speeding tickets
>Erie Insurance gave the average person with a speeding ticket the most savings, averaging $351 better than other car insurance companies.
The best auto insurance for Ocean Pines drivers with a DUI conviction
Getting a quote from Erie Insurance may cost the average person with a DUI about $566 less each year.
The least expensive car insurance company for new and young drivers in Ocean Pines
In Ocean Pines, Erie Insurance costs young drivers $1,089 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Ocean Pines
State Farm gave the largest car insurance discounts to married couples, averaging $195 saved each year compared to an average Ocean Pines couple's premiums.
The cheapest car insurance in Ocean Pines for drivers with bad credit
The best Ocean Pines car insurance company for customer service
Nationwide was the best company for customer service in Ocean Pines according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Ocean Pines, which was better than other insurers.
The cheapest large national provider in Ocean Pines
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Ocean Pines 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 Ocean Pines, 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 Ocean Pines
What Influences the Cost of Car Insurance in Ocean Pines?
On average, car insurance in Ocean Pines 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 Ocean Pines is 33 minutes, which is far 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 Ocean Pines are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Ocean Pines has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Ocean Pines is $98 per month for minimum coverage and $144 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
- West Ocean City: Insurance costs 1.51% less
- Grays Corner: Insurance costs 3.59% more
- Showell: Insurance costs 0.23% more
- Bishopville: Insurance costs 2.20% more
- Ocean City: Insurance costs 3.59% more
- Berlin: Insurance costs 3.65% more
- Snug Harbor: Insurance costs 2.32% more
- Selbyville: Insurance costs 1.45% more
- Fenwick Island: Insurance costs 3.42% less
- Whaleyville: Insurance costs 1.22% more
Cities with Similar Populations
- Avenal: Insurance costs 26.13% more
- Pelzer: Insurance costs 7.24% less
- Paris: Insurance costs 21.15% more
- Parker: Insurance costs 2.67% more
- Pass Christian: Insurance costs 2.55% more
- Patchogue: Insurance costs 51.45% more
- Paw Paw: Insurance costs 57.07% more
- Pearl River: Insurance costs 83.26% more
- Pedley: Insurance costs 26.88% more
- Pella: Insurance costs 31.05% less