Cheap Auto Insurance Quotes in Ellicott City, MD (November 2021)

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Car Insurance in Ellicott City, 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 Ellicott City, MD to find you the cheapest quotes in the area.
State FarmAllstateTravelersProgressiveNationwide

Cheapest Car Insurance in Ellicott City, 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!

Average Car Insurance Cost

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Ellicott City, MD Driving Facts


Minimum Car Insurance Requirements in MD

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 available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Maryland are as follows:

  • $30,000 per person/$60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Maryland state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Maryland law.

  • $15,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Maryland is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage is required in Maryland. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Maryland, the legally required level of Uninsured Motorist coverage is:

  • $30,000 per person/$60,000 per accident for Bodily Injury
  • $15,000 per accident for Property Damage

Uninsured/underinsured motorist coverage is recommended in the state of Maryland through the forms of:

  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

Personal injury protection (PIP) coverage is also required in MarylandPIP can help cover medical costs after an accident for you and your passengers, regardless of fault. $2,500 is the minimum coverage required by Maryland law. 

Find local Ellicott City agents

Campbell Insurance
4215 Buckskin Wood Drive, Ellicott City, MD 21042
HUB International-Mid Atlantic
3290 North Ridge Rd., Ellicott City, MD 21043
Allico Group Inc.
3460 Ellicott Center Dr #203, Ellicott City, MD 21043
Alice Kwon - State Farm Insurance Agent
3454 Ellicott Center Dr #106, Ellicott City, MD 21043
Scott McGrew - State Farm Insurance Agent
4785 Dorsey Hall Dr STE 101, Ellicott City, MD 21042
Ellicott City Maryland Health Insurance by
3600 St Johns Ln suite d, Ellicott City, MD 21042
Nationwide Insurance: Jeffrey P Zepp
9070 Chevrolet Dr, Ellicott City, MD 21042
Mike Sawyer - State Farm Insurance Agent
10194 Baltimore National Pike STE 102, Ellicott City, MD 21042
The Hartford
6011 University Blvd # 330, Ellicott City, MD 21043
Farmers Insurance - Gregory Fasick
3570 St Johns Ln Ste 111, Ellicott City, MD 21042

Insurify Insights: How Ellicott City Drivers Measure Up

Honda Accord
Most Popular Car in
Ellicott City, MD
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Ellicott City drivers measure up to their fellow Maryland motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Ellicott City

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. Ellicott City drivers rank 25 in the number of car accidents per driver across all cities in Maryland.

  • Rank within state: #25
  • Percent of drivers in Ellicott City with an accident: 13.08%
  • Drivers in Ellicott City, MD with an accident in their driving history paid on average 55.12% more than drivers with a clean record

Speeding Ellicott City

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Maryland, Ellicott City drivers rank 42 in the number of speeding infractions per driver.

  • Rank within state: #42
  • Percent of drivers in Ellicott City with a speeding ticket: 8.64%
  • Drivers in Ellicott City, MD with a speeding ticket in their driving history paid on average 44.39% more than drivers with a clean record

DUI/DWIs Ellicott City

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Ellicott City drivers rank 32 in the number of DUI’s per driver across all cities in Maryland.

  • Rank within state: #32
  • Percent of drivers in Ellicott City with a DUI: 1.17%
  • Drivers in Ellicott City, MD with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Ellicott City

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Ellicott City is the Honda Accord.

Hybrid/Electric Vehicle Ownership Ellicott City

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Ellicott City drivers rank 15 in hybrid and electric vehicle ownership across all cities in Maryland.

  • Rank within state: #15
  • Percent of drivers in Ellicott City with a hybrid/electric vehicle: 2.07%

Insurify Rate Comparison Methodology

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.

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