Cheap Auto Insurance Quotes in Laurel, MD, for 2023

Car Insurance in Laurel, MD

Cheap car insurance in Laurel is possible. The average rate is $262 per month, but there are multiple providers who come in cheaper. Your rates might be more or less, depending on your policy options, driving history, and other factors, so you should always compare quotes from various providers before deciding on a policy.

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Cheapest Car Insurance in Laurel, MD

Laurel is a relatively small town in Prince George’s County, but the potential for low-cost car insurance is big. As you can see, there is quite a wide range of prices across providers. Your cost may vary, so compare rates to find the right coverage for your situation.

Minimum Car Insurance Requirements in Maryland

All motor vehicles operated or parked on Maryland roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Maryland^[1] are:

• $30,000 per person for bodily injury

• $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Maryland is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $2,500 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

• $60,000 per accident for uninsured/underinsured motorist bodily injury

• $15,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Maryland, you’re required to purchase this coverage for both bodily injury and property damage.

Laurel Car Insurance Rates by Driving and Accident History

Two significant factors that affect your car insurance rates are driving records and accident history. If you’re a safe driver with a clean record, you could pay some of the lowest premiums for car insurance coverage^[2]. Violations—for example, speeding tickets, at-fault accidents, DUIs—can drive your rates up. Here’s what you might expect if you have any on your record.

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High-Risk Car Insurance Maryland

DUI Car Insurance Maryland

Laurel Car Insurance Rates by Credit Tier

Lenders pull your credit report before approving your loan application. But did you know your credit impacts insurance rates, too? Generally, better credit scores mean lower premiums. According to the Maryland Insurance Administration, you might not get the cheapest rate if late payments, bankruptcies, and too many credit cards show up on your credit history^[2].

How to Get the Cheapest Car Insurance in Laurel

Finding cheap car insurance in Laurel starts by comparison-shopping. With Insurify, you can compare car insurance rates from multiple insurance providers in one convenient location in minutes—saving you time and money over getting individual quotes. Also, keep an eye out for discounts, like bundling your auto insurance with renters insurance or home insurance.

Keep in mind that your rates vary according to several factors, including your credit history, driving record, insurance policy limits, coverage options, and the type of car you drive. Drivers with a clean driving history, a good credit score, and basic liability coverage can pay lower rates than high-risk drivers who opt for higher policy limits and add-on coverage options.

Frequently Asked Questions

Insurify Insights

How Laurel Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Laurel, Maryland below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Laurel drivers measure up to their fellow motorists across Maryland in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Honda Accord

Most Popular Car in Laurel

#32

City with the Most Speeding Tickets Rank in Maryland

#30

City with the Most Moving Violations Rank in Maryland

#43

City with the Most DUIs Rank in Maryland

#41

City with the Most Suspended Licenses in Maryland

• Accidents in Laurel

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Laurel drivers rank 25 in the number of car accidents per driver across all cities in Maryland.

  • Rank within state: #25
  • Percent of drivers in Laurel with an accident: 11.5%
• DUI/DWIs in Laurel

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Laurel drivers rank 43 in the number of DUI’s per driver across all cities in Maryland.

  • Rank within state: #43
  • Percent of drivers in Laurel with a DUI: 1.1%
• Reckless Drivers in Laurel

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Maryland, Laurel drivers rank 47 in the number of reckless driving offenses per driver.

  • Rank within state: #47
  • Percent of drivers in Laurel with a reckless driving offense: 0.7%
• Rude Drivers in Laurel

  The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Maryland, Laurel drivers rank 44 in rude driving infractions.

  • Rank within state: #44
  • Percent of drivers in Laurel with a reckless driving violation: 0.8%
• Speeding in Laurel

  Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Maryland, Laurel drivers rank 32 in the number of speeding infractions per driver.

  • Rank within state: #32
  • Percent of drivers in Laurel with a speeding ticket: 9.2%
• Safest Drivers in Laurel

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Laurel drivers rank 41 in clean driving records across all cities in Maryland.

  • Rank within state: #41
  • Percent of drivers in Laurel with clean record: 77.6%
• Hybrid/Electric Vehicle Ownership in Laurel

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Laurel drivers rank 22 in hybrid and electric vehicle ownership across all cities in Maryland.

  • Rank within state: #22
  • Percent of drivers in Laurel with a hybrid/electric vehicle: 1.75%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.