The make and model of vehicle needing coverage is probably the most important factor when quoting the best cheap auto insurance for felons. Vehicles with high performance, poor crash test ratings, or a history of substantial liability claims will cost quite a bit more to insure than safer models. The next table estimates car insurance premiums for a number of the most affordable automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $2,609 |
| Honda Odyssey LX | $2,808 |
| Toyota Prius | $2,823 |
| Ford Explorer XLT AWD | $2,866 |
| Honda CR-V LX 2WD | $2,928 |
| Toyota Camry LE | $3,022 |
| Dodge Ram Quad Cab ST 2WD | $3,084 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $3,128 |
| Hyundai Elantra GLS Touring Station Wagon | $3,135 |
| Toyota Corolla S | $3,182 |
| Toyota Tacoma X-Runner 2WD | $3,190 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $3,240 |
| Nissan Rogue S 2WD | $3,250 |
| Chevrolet Equinox LTZ 2WD | $3,240 |
| Honda Civic DX 4-Dr Sedan | $3,400 |
| Chevrolet Silverado LS Regular Cab 4WD | $3,436 |
| Kia Optima EX | $3,458 |
| Chevrolet Impala LT | $3,465 |
| Toyota RAV4 4WD | $3,473 |
| Dodge Ram 3500 Mega Cab SLT 2WD | $3,516 |
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rates do not factor in specific location which can increase or decrease insurance rates considerably.
Looking at the numbers, we can tell that makes and models like the Ford Escape, Honda Odyssey, Toyota Prius, and Ford Explorer will definitely be the less-costly vehicles to insure for felons.
Deciding which companies have the cheapest auto insurance rates for felons involves a little more effort than just comparing a company or two.
Each auto insurer uses their own calculation for determining rates, so we’ll take a look at the auto insurance companies with the most affordable rates in Maryland.
Compare Cheap Insurance Quotes for Felons
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $948 |
| 2 | Liberty Mutual | $1,092 |
| 3 | Penn National | $1,104 |
| 4 | Erie | $1,161 |
| 5 | State Auto | $1,190 |
| 6 | Amica | $1,347 |
| 7 | Travelers | $1,426 |
| 8 | MetLife | $1,428 |
| 9 | Nationwide | $1,435 |
| 10 | GEICO | $1,442 |
| 11 | California Casualty | $1,499 |
| 12 | Allstate | $1,596 |
| 13 | State Farm | $1,680 |
| 14 | Progressive | $2,128 |
| 15 | Encompass | $2,592 |
| 16 | Victoria | $3,053 |
| Find Cheaper Rates Go | ||
USAA has some of the most affordable car insurance rates in Baltimore at around $948 a year. Liberty Mutual, Penn National, Erie, and State Auto also rank well as some of the best Baltimore, MD insurance companies.
As the rates illustrate above, if you are a customer of Erie and switched to Liberty Mutual, you could see yearly savings of in the neighborhood of $69. Insureds with State Auto may save as much as $98 a year, and Amica insureds might reduce rates by $255 a year.
To find out how your current rates compare, click here to start a quote or quote prices from the following companies.
It’s important to note that these estimates are averaged across all types of insureds and vehicles and and are not calculated with a vehicle location for felons. So the car insurance company that fits your situation best may not even be in the list above. That affirms the importance of why you need to compare prices as often as possible using your own specific driver and vehicle information.
Choosing the highest-rated company is difficult considering how many companies are available to choose from in Maryland. The information in the next section could help you pick which coverage providers to look at shopping your coverage with. These ratings are only comprised of companies who write in the majority of U.S. states, so companies that only write business in Maryland or surrounding areas are not factored into this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Driving violations and accidents
The ideal way to enjoy low auto insurance premiums for felons is to drive safely and not get tickets or have accidents. The chart below demonstrates how citations and at-fault collisions can affect insurance rates for different age groups. The rate quotes are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.
In the example above, the average cost of a car insurance policy in Maryland per year with a clean driving record and no accidents is $1,756. Factor in two speeding tickets and the average cost hikes up to $2,343, an increase of $587 each year. Now add two accidents along with the two speeding tickets and the yearly cost of auto insurance for felons jumps again to an average of $4,701. That’s an increase of $2,945, or $245 per month, just for being a careless driver!
Rate comparison of full coverage and liability-only
Paying less for auto insurance is the goal of the majority of people, and one of the quickest ways to buy cheap insurance for felons is to buy only liability coverage. The information below shows the comparison of car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on a clean driving record, no at-fault accidents, $500 deductibles, drivers are single, and no discounts are taken into consideration.
If the expense is averaged for all age categories, full coverage costs $1,910 per year more than insuring for liability only. At some point, about every driver wonders when is it a good idea to stop buying full coverage. There is no written rule to stop paying for comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.
How to find the cheapest car insurance for felons
It’s not impossible to find cheaper rates, and here are a few thrifty ideas that can help Baltimore drivers get cheaper coverage.
- Safer vehicles generally have cheaper insurance rates
- Do not pay for full coverage if not needed
- Bundle home or renters insurance to earn a discount on car insurance
- Drivers with good credit ratings often pay less
- Having at-fault accidents will increase rates
- Shop your coverage around for the best deal
That last piece of advice is very significant, as we hit on in the prior article. Insurance rates can change considerably based on profitability, so you should be ready to switch to a new company if you find a better deal. Many consumers stick with the same company and that’s fine, but we do not recommend it if that loyalty ends up costing money that could be used for better things. If you have a few minutes, now is a great time to shop around to find cheaper car insurance for felons in Baltimore.
The Baltimore, MD, insurance agents below can probably aid you in deciding which coverages are best, as many consumers aren’t sure which coverage to buy and prefer to get some professional advice when trying to find lower insurance rates for felons. It can be complicated to find the cheapest rates, so getting advice from a licensed agent can add satisfaction knowing your policy gives you adequate coverage if you have an accident or claim.
To locate an agency using an interactive map, click the button at the bottom of the list or click here to get price quotes now.
Nathan Scholze – State Farm Insurance Agent
101 St Helena Ave – Baltimore, MD 21222 – (410) 288-4120
Lambert Insurance Inc
1826 Woodlawn Dr # 6 – Baltimore, MD 21207 – (410) 265-7850
Ugele Insurance
408 E 25th St – Baltimore, MD 21218 – (410) 366-6566
Kirby Insurance Agency, Inc.
14 W Saratoga St #100 – Baltimore, MD 21201 – (410) 837-2320
Baltimore Insurance Network
11 E Lexington St – Baltimore, MD 21202 – (443) 869-6424