Cheap Auto Insurance Quotes in Parkville, MD, for 2023

Car Insurance in Parkville, MD

Parkville, Maryland, is home to many drivers. Between the many families, young professionals, and other motorists who live there, the average car insurance rate is $306 per month. Your rate depends on many factors, and you may pay more or less than the average driver. Comparing quotes is the best way to find cheap car insurance in Parkville without sacrificing coverage.

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Cheapest Car Insurance in Parkville, MD

The cheapest average auto insurance rate in Parkville is from Travelers, at $183 per month. It’s the only company with an average monthly cost below $200. However, there are plenty of providers that have rates less than $250 per month. Rates can be much higher, so check for hidden fees before purchasing a car insurance policy.

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.

Parkville Car Insurance Rates by Driving and Accident History

Your driving record affects how much you pay for car insurance^[2]. You could be labeled as a high-risk driver if you have speeding tickets, at-fault accidents, DUIs, or other violations. High-risk drivers pay more for car insurance than those with a clean driving history. Your best bet for cheap car insurance is to practice safe driving habits to avoid tickets and accidents.

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DUI Car Insurance Maryland

Parkville Car Insurance Rates by Credit Tier

Insurance companies in Maryland can use your credit history when giving you a quote^[2]. State law allows insurers to adjust your premiums based on bankruptcies, late payments, and the number of credit cards you have. Drivers with good or excellent credit ratings can find lower car insurance costs.

How to Get the Cheapest Car Insurance in Parkville

Finding cheap car insurance is a goal of many Parkville drivers. However, the only way to know what your monthly insurance payments would be is to get a quote, which takes time and can be frustrating. But with Insurify, finding cheap car insurance coverage has never been easier or more convenient.

You can save time and money by comparing car insurance quotes from top providers all on one platform in just a few minutes without even speaking to an insurance agent. Finding discounts is another key step in finding cheap car insurance. Many insurers often hefty discounts for drivers if they bundle their auto insurance with home insurance or renters insurance.

Frequently Asked Questions

Insurify Insights

How Parkville 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 Parkville, 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 Parkville 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 Parkville

#62

City with the Most Speeding Tickets Rank in Maryland

#55

City with the Most Moving Violations Rank in Maryland

#65

City with the Most DUIs Rank in Maryland

#31

City with the Most Suspended Licenses in Maryland

• Accidents in Parkville

  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. Parkville drivers rank 39 in the number of car accidents per driver across all cities in Maryland.

  • Rank within state: #39
  • Percent of drivers in Parkville with an accident: 10.8%
• DUI/DWIs in Parkville

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Parkville drivers rank 65 in the number of DUI’s per driver across all cities in Maryland.

  • Rank within state: #65
  • Percent of drivers in Parkville with a DUI: 0.6%
• Reckless Drivers in Parkville

  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, Parkville drivers rank 61 in the number of reckless driving offenses per driver.

  • Rank within state: #61
  • Percent of drivers in Parkville with a reckless driving offense: 0.5%
• Rude Drivers in Parkville

  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, Parkville drivers rank 57 in rude driving infractions.

  • Rank within state: #57
  • Percent of drivers in Parkville with a reckless driving violation: 0.6%
• Speeding in Parkville

  Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Maryland, Parkville drivers rank 62 in the number of speeding infractions per driver.

  • Rank within state: #62
  • Percent of drivers in Parkville with a speeding ticket: 6.8%
• Safest Drivers in Parkville

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Parkville drivers rank 38 in clean driving records across all cities in Maryland.

  • Rank within state: #38
  • Percent of drivers in Parkville with clean record: 77.7%
• Hybrid/Electric Vehicle Ownership in Parkville

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Parkville drivers rank 39 in hybrid and electric vehicle ownership across all cities in Maryland.

  • Rank within state: #39
  • Percent of drivers in Parkville with a hybrid/electric vehicle: 1.14%

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.