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Get Cheap Car Insurance in Port Tobacco Riviera, MD

We monitor insurance prices, helping the average driver in Port Tobacco Riviera save up to 26.9% on car insurance.

 

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The Cheapest Minimum Coverage in Port Tobacco Riviera

The chart below shows the cheapest car insurance company in Port Tobacco Riviera 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.

 
Port Tobacco Riviera Insurer Monthly Cost
State Farm $93
Erie Insurance $95
Travelers $108
Safeco Insurance $112

Savings for Every Kind of Port Tobacco Riviera Driver

The table shows how much the average auto insurance customer in Port Tobacco Riviera might save by following our recommendations.

Based on our extensive insurance data, we know the average Port Tobacco Riviera 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 $375 per year by choosing the right vehicle insurance company. Some Port Tobacco Riviera residents are paying out over $2,014 extra every year for auto insurance in Port Tobacco Riviera. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Port Tobacco Riviera Car Insurance vs. Maryland

People living in Port Tobacco Riviera pay an average of 8.69% more than the typical driver in the state. The average driver in Port Tobacco Riviera can expect to pay about $1,373 per year, or $2,014 for full coverage.

Based on our analysis, MetLife will be the cheapest provider in Port Tobacco Riviera for most people.

Car Insurance Prices by Port Tobacco Riviera Neighborhood

Port Tobacco Riviera, MD map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Port Tobacco Riviera?

The map shows insurance prices in and around Port Tobacco Riviera, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $2,014 to a low of $2,014. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Port Tobacco Riviera.

Pick the Best Car Insurance Company for You in Port Tobacco Riviera

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 Port Tobacco Riviera insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Port Tobacco Riviera

For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $375 over the average Port Tobacco Riviera car insurance company.

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We use the average good driver, paying $137 per month, as our baseline for pricing in Port Tobacco Riviera. 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 Port Tobacco Riviera drivers with accidents on their records

In Port Tobacco Riviera getting into an accident will raise premiums an average 25% for a yearly cost of $2,689. That's $675 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 $352 over the competition.

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The best car insurance company for Port Tobacco Riviera drivers with speeding tickets

>Erie Insurance gave the average person with a speeding ticket the most savings, averaging $410 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 Port Tobacco Riviera, tickets raise premiums on new quotes about $422. If you have a speeding ticket, we recommend State Farm, Geico, and Erie Insurance for savings that beat the average insurance cost of $2,436 per year.

The best auto insurance for Port Tobacco Riviera drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,881 per year in auto insurance premiums, which was $867 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 $661 less each year.

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The least expensive car insurance company for new and young drivers in Port Tobacco Riviera

In Port Tobacco Riviera, Erie Insurance costs young drivers $1,271 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 Port Tobacco Riviera. With an average cost of $6,236 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 Port Tobacco Riviera

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $168. State Farm, Progressive, and Erie Insurance provided the largest discounts to couples living in Port Tobacco Riviera.

State Farm gave the largest car insurance discounts to married couples, averaging $227 saved each year compared to an average Port Tobacco Riviera couple's premiums.

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The cheapest car insurance in Port Tobacco Riviera for drivers with bad credit

People with poor credit saved an average of $888 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,286 every year. Premiums for people with poor credit were about $3,300 in Port Tobacco Riviera. 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 Port Tobacco Riviera car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Port Tobacco Riviera, 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 Port Tobacco Riviera.

Nationwide was the best company for customer service in Port Tobacco Riviera 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 Port Tobacco Riviera, 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 Port Tobacco Riviera. 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 Port Tobacco Riviera

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 1.9% of Port Tobacco Riviera 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 Port Tobacco Riviera 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 Port Tobacco Riviera, 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 Port Tobacco Riviera

What Influences the Cost of Car Insurance in Port Tobacco Riviera?

On average, car insurance in Port Tobacco Riviera 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 Port Tobacco Riviera is 71 minutes, which is far more than average for a driver in the state.
  • Maryland state insurance regulations may require higher prices.
  • An average of 0 to 1 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Port Tobacco Riviera 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.
  • Port Tobacco Riviera is a lightly populated area 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 Port Tobacco Riviera is $114 per month for minimum coverage and $168 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.

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