Cheap Auto Insurance Quotes in Waldorf, MD (2021)

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

Quotes by Top Carriers
Quotes ($/mo)
$91
$91
$149
$163
$232
AllstateState FarmProgressiveTravelersLiberty Mutual
Monthly $

Cheapest Car Insurance in Waldorf, MD

Here are the cheapest carriers in Waldorf for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$196
$280
$164
$154
$196
$185
MarylandBaltimoreColumbiaGermantownSilver SpringWaldorf
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Waldorf, MD Driving Facts

maryland

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 Waldorf agents

First Insurance Group of Maryland, Inc.
601 Post Office Rd Ste 1C, Waldorf, MD 20602
Hugh R.A. Stewart Insurance Agency
3050 Crain Highway, Waldorf, MD 20601
Carrie Polk Insurance
3146 Old Washington Road, Waldorf, MD 20602
Webster Insurance Services LLC dba E. L. Webster Insurance Agency
2 Industrial Park Dr Ste G, Waldorf, MD 20602-2729
Koehler Insurance Agency
12520 Mattawoman Dr, Waldorf, MD 20601
A.F. Szabo Insurance Agency Inc.
11705 Berry Rd #101, Waldorf, MD 20603
McConkey Insurance Agency
2255 Crain Hwy suite 201, Waldorf, MD 20601
Dessin Insurance
2670 Crain Hwy #110, Waldorf, MD 20601
Buckler Insurance
152 Post Office Rd, Waldorf, MD 20602
Sue Cornelius - State Farm Insurance Agent
3580 Old Washington Rd, Waldorf, MD 20602

Insurify Insights: How Waldorf Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Waldorf, MD
suspended licenses
#45
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 Waldorf 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 Waldorf

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. Waldorf drivers rank 21 in the number of car accidents per driver across all cities in Maryland.

  • Rank within state: #21
  • Percent of drivers in Waldorf with an accident: 13.26%
  • Drivers in Waldorf, MD with an accident in their driving history paid on average 43.43% more than drivers with a clean record

Speeding Waldorf

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Maryland, Waldorf drivers rank 3 in the number of speeding infractions per driver.

  • Rank within state: #3
  • Percent of drivers in Waldorf with a speeding ticket: 14.75%
  • Drivers in Waldorf, MD with a speeding ticket in their driving history paid on average 37.85% more than drivers with a clean record

DUI/DWIs Waldorf

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Waldorf drivers rank 20 in the number of DUI’s per driver across all cities in Maryland.

  • Rank within state: #20
  • Percent of drivers in Waldorf with a DUI: 1.49%
  • Drivers in Waldorf, MD with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Waldorf

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Waldorf is the Nissan Altima.

Rude Waldorf

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, Waldorf drivers rank 3 in rude driving infractions.

  • Rank within state: #3
  • Percent of drivers in Waldorf with a reckless driving violation: 2.17%
  • Drivers in Waldorf, MD with a reckless driving violation in their driving history paid on average 9.56% more than drivers with a clean record.

Safest Drivers Waldorf

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Waldorf drivers rank 18 in clean driving records across all cities in Maryland.

  • Rank within state: #18
  • Percent of drivers in Waldorf with clean record: 75.37%

Failure to Yield the Right of Way Waldorf

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Waldorf drivers rank 2 in failure to yield violations per driver across all cities in Maryland.

  • Rank within state: #2
  • Percent of drivers in Waldorf with a failure to yield violation: 0.54%
  • Drivers in Waldorf, MD with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Waldorf

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, Waldorf drivers rank 1 in the number of reckless driving offenses per driver.

  • Rank within state: #1
  • Percent of drivers in Waldorf with a reckless driving offense: 0.41%

Hybrid/Electric Vehicle Ownership Waldorf

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Waldorf drivers rank 14 in hybrid and electric vehicle ownership across all cities in Maryland.

  • Rank within state: #14
  • Percent of drivers in Waldorf 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.