Wouldn’t life be so easy if we could just give you the name of the one company that has the cheapest rate quotes for drivers with a DUI? Regrettably, it’s not quite that easy, as there are a whole bunch of unknown elements such as if you need full coverage or just liability, the area you live in, and if you have points on your license, that all have an effect on the price. We will touch on the best ways to avoid paying too much and will hopefully give you a solid foundation to find cheaper car insurance in Maryland.
Deciphering which company offers the cheapest auto insurance rates for drivers with a DUI will require more time in order to find coverage that fits your budget. Every auto insurer uses their own formula for establishing rates, so let’s rank the auto insurance companies with the most affordable rates in Baltimore.
It’s important to understand that Maryland auto insurance rates are impacted by many things which can substantially decrease or increase the cost of having a policy. Getting older, filing a claim, or getting into an accident can trigger changes in premium that may make certain companies cheaper than competitors.
Lowest Insurance Price Quotes after a DUI
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $920 |
| 2 | Liberty Mutual | $1,125 |
| 3 | Penn National | $1,126 |
| 4 | Erie | $1,161 |
| 5 | State Auto | $1,214 |
| 6 | Amica | $1,334 |
| 7 | MetLife | $1,372 |
| 8 | Nationwide | $1,393 |
| 9 | Travelers | $1,440 |
| 10 | GEICO | $1,486 |
| 11 | California Casualty | $1,529 |
| 12 | Allstate | $1,596 |
| 13 | State Farm | $1,646 |
| 14 | Progressive | $2,149 |
| 15 | Encompass | $2,566 |
| 16 | Victoria | $3,023 |
| Find Your Rate Go | ||
USAA may offer some of the most affordable car insurance rates in Baltimore at around $920 per year. This is $639 less than the average rate paid by Maryland drivers of $1,559. Liberty Mutual, Penn National, Erie, and State Auto also are some of the lowest-priced Baltimore, MD auto insurance companies.
As depicted above, if you currently buy coverage from Penn National and switched to USAA, you might achieve a yearly price reduction of in the neighborhood of $206. Drivers with Erie might save as much as $241 a year, and State Auto insureds might reduce prices by as much as $294 a year.
To find cheaper insurance rates for your vehicle, click here to start a quote or visit several of the following companies.
Understand that those policy prices are averages across all ages of drivers and types of vehicles and do not take into consideration a specific vehicle garaging location for drivers with a DUI. So the car insurance company that has the cheapest price for you may not even be in the top 16 companies in the list above. That helps illustrate why you need to get car insurance quotes using your own driver data and vehicle information.
After getting a DUI, one of the largest considerations that aid in calculating the amount you pay for auto insurance is where you keep your vehicle in Baltimore. Areas with high crime rates or more dense population likely pay more, whereas areas with lower crime rates and fewer weather claims benefit from lower rates.
The information below rates the most expensive cities in Maryland for drivers with a DUI to purchase a policy in. Baltimore is ranked #1 with an annual rate of $1,742 for the average insured, which is about $145 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Baltimore | $1,742 |
| 2 | Woodlawn | $1,657 |
| 3 | Dundalk | $1,535 |
| 4 | Essex | $1,474 |
| 5 | Towson | $1,467 |
| 6 | Silver Spring | $1,432 |
| 7 | Aspen Hill | $1,420 |
| 8 | Catonsville | $1,417 |
| 9 | Bowie | $1,390 |
| 10 | Waldorf | $1,375 |
| 11 | Wheaton | $1,375 |
| 12 | Glen Burnie | $1,342 |
| 13 | Gaithersburg | $1,317 |
| 14 | Germantown | $1,287 |
| 15 | Columbia | $1,275 |
| 16 | Severn | $1,275 |
| 17 | Ellicott City | $1,271 |
| 18 | Annapolis | $1,268 |
| 19 | Potomac | $1,261 |
| 20 | North Bethesda | $1,256 |
| 21 | Rockville | $1,251 |
| 22 | Bethesda | $1,202 |
| 23 | Bel Air South | $1,174 |
| 24 | Hagerstown | $1,020 |
| 25 | Frederick | $1,014 |
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Rates are estimated as zip code location can influence premium rates significantly.
The vehicle model you are insuring is one of the largest considerations when trying to find affordable insurance for drivers with a DUI. Vehicles with lots of horsepower, a lack of advanced safety features, or an increased likelihood of liability claims will cost more to insure than safer, lower-performance models. The information below features auto insurance costs for a handful of the cheapest vehicles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $3,553 |
| Honda Accord LX 4-Dr Sedan | $3,921 |
| Dodge Grand Caravan CV | $3,971 |
| Chevrolet Impala LS | $4,121 |
| Ford Edge SEL 2WD | $4,130 |
| Honda CR-V LX 4WD | $4,125 |
| Toyota Prius | $4,347 |
| Ford Focus SES 4-Dr Sedan | $4,350 |
| Hyundai Sonata GLS 4-Dr Sedan | $4,501 |
| Jeep Grand Cherokee SRT-8 4WD | $4,511 |
| Honda Odyssey EX W/Rear Entertainment | $4,554 |
| Chevrolet Silverado LT Extended Cab 4WD | $4,640 |
| Chevrolet Malibu LT | $4,726 |
| Hyundai Elantra Blue 4-Dr Sedan | $4,808 |
| Kia Optima EX | $4,812 |
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Prices based on single female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Maryland minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in your specific Baltimore, MD location which can impact premiums significantly.
Based on these rates, makes and models like the Ford Escape, Honda Accord, and Dodge Grand Caravan should be some of the more affordable vehicles to insure after getting a DUI. The price of auto insurance will be higher anyway just because there is a higher risk for drivers with a DUI, but overall those models will most likely have the cheapest car insurance rates compared to other types of vehicles.
Full coverage versus liability only rates
Saving money on auto insurance should be important to the majority of vehicle owners, and a great way to reduce the cost of insurance for drivers with a DUI is to not buy comprehensive and collision coverage. The information below compares yearly insurance costs with full coverage compared to only the Maryland minimum liability coverage. The prices are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single status, and no discounts are applied.
Averaged out for all age groups, physical damage insurance costs an additional $1,842 per year over and above liability coverage. That touches on the question if buying full coverage is worth the money. There isn’t a written rule of when to eliminate full coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s assume your vehicle’s claim settlement value is $10,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $9,000 after paying the physical damage deductible. If you are paying more than $900 a year for your policy with full coverage, then you may want to consider only buying liability coverage.
There are some situations where only buying liability is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.
The diagram below shows how choosing a deductible can increase or decrease insurance prices when getting quotes for cheap insurance for drivers with a DUI. The data is based on a single female driver, full physical damage coverage, and no discounts are applied.
In the chart above, a 40-year-old driver could save $450 a year by increasing from a $100 deductible to a $500 deductible, or save $678 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old example, could possibly save up to $1,144 each year just by using higher deductibles.
When insureds make the decision to increase the deductibles on their policy, it is a good idea to have additional savings on hand to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Low rates can quickly become overpriced
Baltimore auto insurance rates are determined by lots of factors that control your annual premium. Simply having another birthday, buying a different home, or getting a couple of tickets may prompt premium changes that may make certain companies more affordable than others. Not only may things change on your end, but car insurance companies file new Maryland car insurance rates at least once a year to ensure their profitability. Heavy losses can cause rate increases, while less frequent claims can produce cheaper Baltimore car insurance rates.
For instance, the chart below shows a variety of companies that have the cheapest car insurance in Baltimore, MD for a 45-year-old male driver with no accidents or violations, and solid credit. Based on his current rating profile, USAA quotes the cheapest car insurance rates in Baltimore at $1,713 annually. This is $154 more than the average premium paid by Maryland drivers of $1,559. Liberty Mutual, Penn National, Erie, and State Auto are the rest of the top five cheapest Baltimore, MD auto insurance companies.
In this example, we will give the driver from the first example a claim or two, slightly worse credit, and a traffic ticket or two. Since each auto insurer uses their own calculation to determining premium rates, comparing prices may now present a completely different list of companies as shown below.
Nationwide now has the lowest price on auto insurance in Baltimore, MD with MetLife, Travelers, GEICO, and California Casualty also being competitive. This illustrates why it is important to compare many different companies to find the best insurance quotes for drivers with a DUI. Car insurance prices are impacted by many different factors and can change without notice, so the best price the last time you checked may now be costing you a lot of money.