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Get Cheap Car Insurance in Wicomico County, MD

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

 

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The Cheapest Minimum Coverage in Wicomico County

The chart below shows the cheapest car insurance company in Wicomico County 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.

 
Wicomico County Insurer Monthly Cost
State Farm $86
Erie Insurance $87
Travelers $99
Safeco Insurance $103

Savings for Every Kind of Wicomico County Driver

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

Based on our extensive insurance data, we know the average Wicomico County 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 Wicomico County residents are paying out over $1,844 extra every year for auto insurance in Wicomico County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Wicomico County, MD Savings / Yr.
Drivers with good records
$343
Drivers with accidents
$322
Drivers with speeding tickets
$375
Drivers with a DUI conviction
$605
Young drivers
$1,163
Married drivers
$208
Drivers with bad credit
$813

Wicomico County Car Insurance vs. Maryland

People living in Wicomico County pay an average of 0.51% less than the typical driver in the state. The average driver in Wicomico County can expect to pay about $1,257 per year, or $1,844 for full coverage.

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

Car Insurance Prices by Wicomico County Neighborhood

Wicomico County, 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 Wicomico County?

The map shows insurance prices in and around Wicomico County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $537 per year within the county boundaries, with insurance premiums ranging from a high of $2,244 to a low of $1,707. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southeast parts of Wicomico County.

Pick the Best Car Insurance Company for You in Wicomico County

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 Wicomico County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Wicomico County

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

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

In Wicomico County getting into an accident will raise premiums an average 25% for a yearly cost of $2,461. That's $618 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 Wicomico County 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 Wicomico County, 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 $2,230 per year.

The best auto insurance for Wicomico County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,638 per year in auto insurance premiums, which was $794 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 $605 less each year.

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The least expensive car insurance company for new and young drivers in Wicomico County

In Wicomico County, Erie Insurance costs young drivers $1,163 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 Wicomico County. With an average cost of $5,708 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 Wicomico County

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 Wicomico County.

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

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The cheapest car insurance in Wicomico County for drivers with bad credit

People with poor credit saved an average of $813 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,177 every year. Premiums for people with poor credit were about $3,021 in Wicomico County. 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 Wicomico County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Wicomico County, 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 Wicomico County.

Nationwide was the best company for customer service in Wicomico County 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 Wicomico County, 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 Wicomico County. 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 Wicomico County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 41% of Wicomico County residents who are renting, and don't plan to be in the county 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 Wicomico County 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 Wicomico County, 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 Wicomico County

What Influences the Cost of Car Insurance in Wicomico County?

On average, car insurance in Wicomico County 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 county are influenced by the following factors:

  • The average commute time in Wicomico County is 27 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 Wicomico County are among the lowest 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.
  • Wicomico County is a fairly densely populated area in the state. The county’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 Wicomico County is $105 per month for minimum coverage and $154 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 Counties

Counties with Similar Populations

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