You have most likely watched the commercials from companies like Progressive, State Farm, and The General that say if you switch you’ll get the cheapest rates. So you should just pick one at random, right?
It’s not that simple, unfortunately, as there are a whole slew of unknown factors such as your credit rating, what physical damage coverage deductibles you want, if you have a lapse in coverage, and if you own or rent your home, that all have an effect on the price. This article covers the different scenarios that increase car insurance cost and should give you a jump start in finding the best auto insurance in Maryland.
Deciphering which insurers offer the best auto insurance rates for immigrants requires a little more work in order to find the lowest price.
Each company uses their own method for determining rates, so we’ll take a look at the auto insurance companies that tend to be cheaper in Baltimore, MD. It’s important to know that Baltimore, MD auto insurance rates are determined by lots of factors that control the price you pay for coverage. Getting older, adding a teenager to your policy, or having an accident may cause policy rate changes that may make certain companies cheaper than others.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $958 |
| 2 | Liberty Mutual | $1,092 |
| 3 | Penn National | $1,104 |
| 4 | Erie | $1,115 |
| 5 | State Auto | $1,178 |
| 6 | Amica | $1,334 |
| 7 | Nationwide | $1,379 |
| 8 | MetLife | $1,386 |
| 9 | Travelers | $1,398 |
| 10 | GEICO | $1,442 |
| 11 | California Casualty | $1,484 |
| 12 | Allstate | $1,645 |
| 13 | State Farm | $1,646 |
| 14 | Progressive | $2,065 |
| 15 | Encompass | $2,592 |
| 16 | Victoria | $2,933 |
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USAA offers some of the cheapest car insurance rates in Baltimore at around $958 annually. Liberty Mutual, Penn National, Erie, and State Auto also qualify as some of the cheaper Baltimore, MD insurance companies.
As the example above demonstrates, if you have coverage with Erie and switched to USAA, you may see savings of about $157. Maryland drivers with State Auto could save as much as $220 a year, and Amica policyholders might lower prices by $376 a year.
To get a fast rate comparison, click here to get quotes or visit any of the companies below.
Bear in mind that those premiums are averages across all drivers and vehicles in Maryland and and are not calculated with an exact zip code location for immigrants. So the auto insurance company that has the lowest price for you may not even be in the top 16 companies in the list above. That point stresses why you need to compare prices as often as possible using your own driver data and vehicle information.
The vehicle requiring coverage is a large factor that determines whether or not you can buy low-priced auto insurance for immigrants. Vehicles with high performance engines, a lack of advanced safety features, or an increased likelihood of liability claims will cost more to insure than safer, lower-performance models. The table below shows auto insurance premiums for a handful of the most cost-effective vehicles to buy coverage for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $2,449 |
| Toyota Prius | $2,713 |
| Dodge Grand Caravan CV | $2,752 |
| Honda Accord EX 4-Dr Sedan | $2,809 |
| Ford Edge SEL AWD | $2,844 |
| Ford Escape XLT 4WD | $2,869 |
| Chevrolet Equinox LS AWD | $2,901 |
| Ford Explorer Eddie Bauer 4WD | $2,958 |
| Hyundai Elantra SE 4-Dr Sedan | $3,054 |
| GMC Sierra SLE Crew Cab 4WD | $3,111 |
| Nissan Rogue S 2WD | $3,119 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $3,164 |
| Ford Focus SE 4-Dr Sedan | $3,267 |
| Kia Optima EX | $3,320 |
| Toyota Camry Hybrid | $3,330 |
| Volkswagen Jetta LE 4-Dr Sedan | $3,328 |
| Toyota RAV4 4WD | $3,335 |
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maryland minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Information does not factor in your specific Baltimore, MD location which can raise or lower auto insurance rates significantly.
Based upon the table data, we can assume that models like the Honda CR-V, Toyota Prius, and Dodge Grand Caravan are most likely to be some of the more affordable vehicles to insure for foreigners.
Insuring your vehicle with the highest-rated auto insurance provider can be a challenge considering how many different insurance companies sell coverage in Baltimore. The ranking data in the lists below could help you analyze which providers you want to consider when comparing insurance rates for immigrants. The ratings below include the largest auto insurers in America, so companies with more of a regional focus are not included in the 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 |
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Data Source: Insure.com Best Car Insurance Companies
Drive safe and save
The common sense way to enjoy affordable auto insurance rates in Maryland for foreigners is to drive safe and avoid accidents and traffic violations. The chart below demonstrates how citations and accidents influence annual premium costs for each age group. The prices are based on a married female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of car insurance in Maryland per year with no violations or accidents is $1,792. Get one speeding ticket and the average cost swells to $2,084, an increase of $292 each year. Then add one accident along with the one speeding ticket and the 12-month cost of auto insurance for immigrants goes up to an average of $2,911. That’s an increase of $1,119, or $93 per month, just for being a less-than-perfect driver!
Here’s why price comparisons are so important
Baltimore, MD auto insurance rates are calculated based on many things that may substantially change the policy price. Simply improving your credit, buying higher coverage limits, or getting caught speeding may generate price changes resulting in some rates now being more affordable than the competition.
Not only may your situation change, but companies file new rates as often as every three months in order to offset underwriting gains or losses. An unexpected high level of claims may result in increased policy costs, while a lower level of claims can result in cheaper Baltimore car insurance rates.
To help illustrate this point, the bar chart below shows rates for the cheapest car insurance in Baltimore, MD for a 45-year-old female driver with no prior accidents, a clean driving record, and a good credit history. Based on her current situation, USAA might offer the cheapest car insurance rates in Baltimore at $1,652 a year. This is $93 more than the average rate paid by Maryland drivers of $1,559. Liberty Mutual, Penn National, Erie, and State Auto are the rest of the cheapest Baltimore, MD auto insurance companies.
In the next rate comparison, we’ll give the driver from the first example a claim, bad credit, and a traffic ticket or two. Due to the fact that every insurance company has their own guidelines to determining premium rates, comparing quotes most likely will result in a significantly different list of the cheapest car insurance companies in Baltimore as shown below.
MetLife now has the best insurance rate in Baltimore, MD with Travelers, Nationwide, GEICO, and Erie completing the list. This demonstrates why drivers need to perform a complete rate comparison when trying to get the most economical insurance rates for immigrants.
Insurance rates are made up of many different factors and can decrease or increase without notice, so the cheapest option six months ago may now not even be in the top five.
Tips for finding the cheapest auto insurance for immigrants
Here are many thrifty suggestions that can help you find more affordable coverage.
- Raise deductibles to save money
- Try to not file small claims
- Speeding tickets and other violations increase rates
- Avoid accidents and claims
- Drop full coverage on older vehicles
- Compare rates regularly to ensure the best deal
The last tip is certainly necessary, as was stressed in this write-up. Prices charged by car insurance companies in Baltimore fluctuate constantly, so don’t hesitate to switch carriers if a lower price can be found. Brand loyalty is not necessarily bad, but it isn’t a good idea if that faithfulness ends up costing you a small fortune year after year. If you have a few minutes, now is a great time to compare rates and find cheaper car insurance for immigrants.
If you wish to have some advice when shopping for the best coverage for foreigners, the agents shown below can probably aid you in deciding which coverages and limits you need.
To locate an agency near you, click the button at the bottom of the list or click here to compare price quotes.
- Rosasco and Yetter Insurance Agency
8831 Satyr Hill Rd #302 – Baltimore, MD 21234 – (410) 661-1440 - Nathan Scholze – State Farm Insurance Agent
101 St Helena Ave – Baltimore, MD 21222 – (410) 288-4120 - Frank Insley – State Farm Insurance Agent
9652 Belair Rd – Baltimore, MD 21236 – (410) 256-5600 - John C Bugg III – State Farm Insurance Agent
6711 Belair Rd – Baltimore, MD 21206 – (410) 661-4949