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Cheap Auto Insurance Quotes in Essex, MD (June 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Essex, 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 Essex, MD to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Essex is $300 per month, or $3600 annually.
  • Car insurance in Essex is $73 more than the average cost of car insurance in Maryland.
  • The cheapest car insurance provider in Essex on average is Progressive, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$172
Safeco
$205
Travelers
$225
Clearcover
$230
Liberty Mutual
$258

Cheapest Car Insurance in Essex, 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 EssexQuotes
Progressive$172 /mo
Safeco$205 /mo
Travelers$225 /mo
Clearcover$230 /mo
Liberty Mutual$258 /mo

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Average Car Insurance Cost

Maryland Cities
Baltimore$280/mo
Columbia$242/mo
Germantown$154/mo
Silver Spring$196/mo
Essex$270/mo
Maryland$228/mo
Germantown
$154
Silver Spring
$196
Average for MD
$228
Columbia
$242
Essex
$270
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.

Find local Essex agents

    FAQs - Essex, 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.

    Compare Car Insurance Quotes Instantly

    • Personalized quotes in 5 minutes or less
    • No signup required

    Methodology

    The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

    Insurify Insights

    How Essex 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 Essex, 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 Essex 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.

    nissan

    Nissan Altima

    Most Popular Car in Essex

    #47

    City with the Most Speeding Tickets Rank in Maryland

    #13

    City with the Most Moving Violations Rank in Maryland

    #34

    City with the Most DUIs Rank in Maryland

    #7

    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. Essex drivers rank 15 in the number of car accidents per driver across all cities in Maryland.

      • Rank within state: #15
      • Percent of drivers in Essex with an accident: 13.88%
      • Drivers in Essex, MD with an accident in their driving history pay on average 50% more than drivers with a clean record
    • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Maryland, Essex drivers rank 47 in the number of speeding infractions per driver.

      • Rank within state: #47
      • Percent of drivers in Essex with a speeding ticket: 7.69%
      • Drivers in Essex, MD with a speeding ticket in their driving history pay on average 35.98% more than drivers with a clean record
    • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Essex drivers rank 34 in the number of DUI’s per driver across all cities in Maryland.

      • Rank within state: #34
      • Percent of drivers in Essex with a DUI: 1.13%
      • Drivers in Essex, MD with a DUI in their driving history pay on average 0% more than drivers with a clean record
    • 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, Essex drivers rank 17 in rude driving infractions.

      • Rank within state: #17
      • Percent of drivers in Essex with a reckless driving violation: 0.94%
      • Drivers in Essex, MD with a reckless driving violation in their driving history pay on average 0% more than drivers with a clean record.
    • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Essex drivers rank 1 in clean driving records across all cities in Maryland.

      • Rank within state: #1
      • Percent of drivers in Essex with clean record: 79.92%
    • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Essex drivers rank 4 in failure to yield violations per driver across all cities in Maryland.

      • Rank within state: #4
      • Percent of drivers in Essex with a failure to yield violation: 0.38%
      • Drivers in Essex, MD with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
    • 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, Essex drivers rank 18 in the number of reckless driving offenses per driver.

      • Rank within state: #18
      • Percent of drivers in Essex with a reckless driving offense: 0%
    • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Essex is the Nissan Altima.

    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.

    Tanveen Vohra
    Tanveen Vohra

    Content Manager at Insurify

    Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, 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.

    Learn More

    Sources

    1. Maryland Department of Transportation. "State Minimum Car Insurance Requirements." Accessed May 28, 2022