However, the cost of insuring a 17-year-old varies widely depending on the. Male drivers aged 16 and 18 also pay more for car insurance than their female counterparts. There are several unique reasons why car insurance is also increasing every year in Maryland, even if your details remain the same. In Maryland, drivers with just two speeding tickets pay an average of 27% more on their annual car insurance premiums, for example.
Learn more about when to cancel optional coverage and penalties for driving without insurance in Maryland to make sure you're paying for the coverage you need. The best way to save on car insurance for 17-year-olds is to add them to their parents' policies, rather than taking out their own car insurance. Geico, State Farm, Nationwide and The General are good places to shop if you need car insurance for people without drivers. In most cases, cities that are densely populated or that are highly likely to suffer traffic accidents and natural disasters attract high rates of auto insurance.
According to the Insurance Information Institute, metropolitan areas are also likely to have higher auto insurance rates. The cheapest auto insurance companies in Maryland are USAA, Geico and Travelers, and getting quotes from several companies can help you find the best deal. But if you live in Columbia or Germantown, you could pay about 7 or 8 percent less than the average cost of car insurance in Maryland. Traffic density, the frequency of accidents, thefts and acts of vandalism, and weather-related events can contribute to auto insurance premiums in Maryland.
Maryland has a high rate of uninsured drivers, a high traffic density as a result of its high urban population and frequent car thefts. If you cause an accident at fault, the average cost of car insurance in Maryland increases by 51 percent. If your insurer says that your policy already extends to temporary drivers, insurance rates are unlikely to increase.