Cheapest Car Insurance in Annapolis, MD

• Small SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks will have cheap car insurance in Annapolis.
• Annapolis car insurance rates cost an average of $2,230 per year, or about $186 per month, for a full coverage policy.

In Annapolis, which vehicles are cheapest to insure?

When rates are compared for all 2024 model year vehicles, the ones with the best auto insurance rates in Annapolis tend to be crossovers and compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Hyundai Venue.

Average insurance quotes for vehicles ranking in the top ten cost $1,826 or less per year, or $152 per month, for a full coverage policy.

Additional vehicles that rank in the top 20 in the comparison table below are the Honda HR-V, Kia Niro, Volkswagen Taos, and Subaru Outback. Average car insurance rates are slightly more for those models than the compact SUVs that rank at the top, but they still have an average cost of $162 or less per month.

The following table lists the cheapest vehicles to insure in Annapolis, ordered by annual cost.

Other models that rank in the top 30 table above include the Acura Integra, Nissan Leaf, Toyota GR Corolla, Subaru Ascent, and Volkswagen Atlas. Rates for those vehicles fall between $1,938 and $1,986 per year in Annapolis, MD.

As a comparison, some examples of vehicles with higher insurance rates include the Jeep Cherokee which averages $2,408 per year, the Ram Truck which costs $2,578, and the Tesla Model X at $2,800.

For very high-priced car insurance, luxury and performance cars like the Porsche 911, BMW M760i, Aston Martin DBX, and BMW Alpina B8 have rates that cost at least double those of the cheapest models.

What is average car insurance cost in Annapolis?

The average car insurance cost in Annapolis is $2,230 per year, which is 0.4% more than the overall national average rate of $2,221. The average cost per month for car insurance in Annapolis is $186 for a policy with full coverage.

The average car insurance cost in Maryland is $2,352 per year, so drivers in Annapolis pay an average of $122 less per year than the Maryland state-wide rate. The average cost of auto insurance in Annapolis is approximately $160 per year more than in Frederick, $70 per year less than in Gaithersburg, and $78 per year less than in Rockville.

The next chart shows average Annapolis, MD, auto insurance cost for all 2024 models. Rates are averaged for all Annapolis Zip Codes and shown not only by driver age, but also by physical damage coverage deductibles.

Average car insurance rates in the chart range from $1,564 per year for a policy with high physical damage deductibles for a 60-year-old driver to $5,216 per year for a 20-year-old driver with a policy with low comprehensive and collision deductibles.

For monthly budgeting purposes, the average cost of car insurance per month for the data in the chart above ranges from $130 to $435.

The age of the driver is the single-largest factor that determines the cost of car insurance, so the list below illustrates this point by breaking down average car insurance rates in Annapolis based on the age of the driver.

Average car insurance rates in Annapolis, Maryland, for drivers age 16 to 60

• 16-year-old rated driver – $7,943 per year or $662 per month
• 17-year-old rated driver – $7,692 per year or $641 per month
• 18-year-old rated driver – $6,895 per year or $575 per month
• 19-year-old rated driver – $6,280 per year or $523 per month
• 20-year-old rated driver – $4,486 per year or $374 per month
• 30-year-old rated driver – $2,380 per year or $198 per month
• 40-year-old rated driver – $2,230 per year or $186 per month
• 50-year-old rated driver – $1,974 per year or $165 per month
• 60-year-old rated driver – $1,850 per year or $154 per month

This next section goes into the average cost to insure each different vehicle segment. The average rates shown will give you a better understanding of which types of vehicles tend to have the best insurance rates.

Average cost to insure by automotive segment

If you’re shopping around for a different vehicle, it’s a good idea to have a basic understanding of which types of vehicles have less expensive auto insurance rates. For instance, you may be considering either a compact or midsize SUV and it’s helpful to know which tends to have more affordable insurance.

The chart below displays average auto insurance rates by segment, adjusted for Annapolis. When comparing rates from a segment perspective, compact and midsize SUVs, vans, and midsize pickups have the cheapest average car insurance rates, while sports cars and performance luxury models have the most expensive average cost to insure.

Average rates by segment are a broad comparison, and really only applicable very early in your car shopping journey.

As you get a better idea of the vehicles you’re interested in, comparing rates for those specific models, even down to the trim level, will give you a better comparison metric.

To illustrate this point, in the small luxury car segment, average Annapolis car insurance rates range from the Acura Integra costing $1,980 per year for full coverage insurance up to the BMW M340i at $2,722 per year, a difference of $742 within that segment.

As another example, in the half-ton pickup segment, the average cost of insurance ranges from the Nissan Titan at $2,086 per year up to the Toyota Tundra costing $2,654 per year, a difference of $568 within that segment.

With this kind of range within a segment, it’s good to narrow down your scope to individual vehicle models and make choices based on that data. At this point, it’s time to compare car insurance quotes from several companies and make a final purchasing decision.