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Cheap Auto Insurance Quotes in Bowie, MD (2022)
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Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.
Edited by
Olivia Oksenhorn
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
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Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Updated August 31, 2022
Car Insurance in Bowie, MD
The average cost of Maryland car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Bowie, MD to find you the cheapest quotes in the area.
Quick Facts
The average cost of car insurance in Bowie is $253 per month, or $3036 annually.
Car insurance in Bowie is $26 more than the average cost of car insurance in Maryland.
The cheapest car insurance provider in Bowie on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
State Farm$102
Allstate$103
Progressive$144
Travelers$160
Nationwide$194
See More:
Cheapest Car Insurance in Bowie, MD
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Bowie | Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| State Farm | $102 /mo |
| Allstate | $103 /mo |
| Progressive | $144 /mo |
| Travelers | $160 /mo |
| Nationwide | $194 /mo |
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Average Car Insurance Cost
| Maryland Cities | |
|---|---|
| Baltimore | $280/mo |
| Columbia | $239/mo |
| Germantown | $154/mo |
| Silver Spring | $196/mo |
| Bowie | $177/mo |
| Maryland | $209/mo |
Germantown$154
Bowie$177
Silver Spring$196
Average for MD$209
Columbia$239
Baltimore$280
Click here to learn about car insurance quotes and save on your current 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.
For more detailed Maryland city level guides, check out these below.
FAQs - Bowie, MD Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.
Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
Insurify Insights
How Bowie 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 Bowie, 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 Bowie 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.
Toyota Camry
Most Popular Car in Bowie
#38
City with the Most Speeding Tickets Rank in Maryland
#45
City with the Most Moving Violations Rank in Maryland
#45
City with the Most DUIs Rank in Maryland
#34
City with the Most Suspended Licenses in Maryland
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. Bowie drivers rank 48 in the number of car accidents per driver across all cities in Maryland.
- Rank within state: #48
- Percent of drivers in Bowie with an accident: 10.5%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Bowie drivers rank 45 in the number of DUI’s per driver across all cities in Maryland.
- Rank within state: #45
- Percent of drivers in Bowie with a DUI: 1%
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, Bowie drivers rank 19 in the number of reckless driving offenses per driver.
- Rank within state: #19
- Percent of drivers in Bowie with a reckless driving offense: 1.2%
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, Bowie drivers rank 17 in rude driving infractions.
- Rank within state: #17
- Percent of drivers in Bowie with a reckless driving violation: 1.3%
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Maryland, Bowie drivers rank 38 in the number of speeding infractions per driver.
- Rank within state: #38
- Percent of drivers in Bowie with a speeding ticket: 8.6%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Bowie drivers rank 31 in clean driving records across all cities in Maryland.
- Rank within state: #31
- Percent of drivers in Bowie with clean record: 78.5%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Bowie drivers rank 19 in hybrid and electric vehicle ownership across all cities in Maryland.
- Rank within state: #19
- Percent of drivers in Bowie with a hybrid/electric vehicle: 1.82%
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.
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Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.
Sources
- Maryland Department of Transportation. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
