Cost of Car Insurance in Bowie, MD – 2025 Rates + Rankings

We show the average cost to insure nearly 200 vehicles to find the cars, SUVs, and pickups with cheap car insurance quotes in Bowie, MD.

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How much does average car insurance cost in Bowie?

Average car insurance rates in Bowie, Maryland, cost $2,430 per year, or approximately $203 per month. That’s 9% more expensive than the overall overall national average rate of $2,221 per year.

The average price for car insurance in Maryland is $2,352 per year, so Bowie drivers pay an average of $78 more per year than the overall Maryland state-wide average rate. The average cost of auto insurance in Bowie compared to other Maryland cities is around $470 per year less than in Baltimore, $130 per year more than in Gaithersburg, and $360 per year more expensive than in Frederick.

The next chart shows a summary of car insurance rates in Bowie for 2024 model year vehicles, averaged for different driver ages, policy deductibles, and risk profiles.

Average car insurance rates in Bowie for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Bowie for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Bowie includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Bowie, MD
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,584$465
Safe Driver Age 20$4,884$407
At-fault Accidents Age 40$3,438$287
Low Deductibles Age 40$3,180$265
Safe Driver Age 30$2,592$216
Safe Driver Age 40$2,430$203
Safe Driver Age 50$2,152$179
High Deductibles Age 40$2,042$170
Discount Rate Age 40$2,022$169
Safe Driver Age 60$2,016$168

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 27, 2025

Average rates in the prior chart range from $2,022 per year for a middle-aged driver who receives an exceptional discount rate to $5,584 per year for a 20-year-old driver with a lot of violations and accidents. The average rate we use to compare different vehicles is the 40-year-old safe driver rate, which has an average cost of $2,430 per year in Bowie.

As a monthly rate, the average cost to insure a vehicle in Bowie ranges from $169 to $465 for the risk profiles shown in the chart above.

The age of the driver is the factor that has the most impact on the cost of car insurance. The list below illustrates this by breaking down average car insurance rates in Bowie depending on driver age.

Car insurance cost in Bowie, Maryland, for drivers age 16 to 60

  • 16-year-old rated driver – $8,648 per year or $721 per month
  • 17-year-old rated driver – $8,378 per year or $698 per month
  • 18-year-old rated driver – $7,507 per year or $626 per month
  • 19-year-old rated driver – $6,837 per year or $570 per month
  • 20-year-old rated driver – $4,884 per year or $407 per month
  • 30-year-old rated driver – $2,592 per year or $216 per month
  • 40-year-old rated driver – $2,430 per year or $203 per month
  • 50-year-old rated driver – $2,152 per year or $179 per month
  • 60-year-old rated driver – $2,016 per year or $168 per month

The rates above for the average cost to insure teen drivers assumed a male driver. The next chart gets more specific and shows average car insurance rates for teenagers by gender. Females generally have cheaper car insurance rates, especially as teenagers.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Bowie includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Bowie, MD for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$8,648$8,079
17-Year-Old$8,378$8,028
18-Year-Old$7,507$6,929
19-Year-Old$6,837$5,783

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 27, 2025

Auto insurance for a 16-year-old female in Bowie costs an average of $569 less per year than the cost for a 16-year-old male driver, while at age 19, the cost difference is much less but is still $1,054 per year.

The previously referenced auto insurance rates take all 2024 models and come up with an average cost, which is practical when making general comparisons such as the difference in average car insurance cost by location or driver age.

Average car insurance rates work well for getting the answer to questions like “are auto insurance rates in Bowie cheaper than in Rockville?” or “is auto insurance cheaper in Maryland or California?”.

For more comprehensive rate comparisons, however, the data will be more accurate if we compare rates for the exact vehicle being insured. Every model has a slightly different risk profile for determining car insurance prices and this data makes it possible to perform detailed insurance cost comparisons.

This next list breaks down the cost of auto insurance for both annual and monthly terms for popular cars, trucks, and SUVs insured in Bowie. Towards the end of this article, there is a section that analyzes the cost of insurance for some of these vehicles in much more detail.

Average car insurance cost for popular vehicles in Bowie

Which vehicles have the cheapest auto insurance rates?

The models with the best auto insurance prices in Bowie tend to be crossovers and small SUVs like the Kia Soul, Chevrolet Trailblazer, and Nissan Kicks.

Average insurance rates for those vehicles cost $176 or less per month for full coverage car insurance.

Some additional vehicles that have low-cost insurance quotes in our insurance cost comparison are the Subaru Outback, Acura RDX, Ford Bronco Sport, and Kia Niro.

Average rates are marginally higher for those models than the crossovers and compact SUVs at the top of the rankings, but they still have an average insurance cost of $2,265 or less per year ($189 per month) in Bowie.

The table below lists the top 30 models with the cheapest car insurance rates in Bowie, ordered by annual cost.

Top 30 Cheapest Car Insurance Rates in Bowie, MD
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,796$150
2Chevrolet Trailblazer$1,826$152
3Kia Soul$1,896$158
4Nissan Kicks$1,912$159
5Honda Passport$1,934$161
6Buick Envision$1,946$162
7Toyota Corolla Cross$1,958$163
8Hyundai Venue$1,974$165
9Mazda CX-5$1,982$165
10Ford Bronco Sport$1,990$166
11Volkswagen Tiguan$2,010$168
12Acura RDX$2,032$169
13Nissan Murano$2,040$170
14Buick Encore$2,062$172
15Subaru Outback$2,068$172
16Honda CR-V$2,070$173
17Buick Envista$2,076$173
18Volkswagen Taos$2,082$174
19Kia Niro$2,092$174
20Toyota GR Corolla$2,110$176
21Honda HR-V$2,114$176
22Subaru Ascent$2,114$176
23Nissan Leaf$2,128$177
24Chevrolet Colorado$2,138$178
25Honda Civic$2,150$179
26Lexus NX 250$2,150$179
27Volkswagen Atlas$2,154$180
28Acura Integra$2,160$180
29Subaru Forester$2,162$180
30Volkswagen Atlas Cross Sport$2,164$180

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bowie, MD Zip Codes. Updated June 26, 2025

Top 30 cheapest vehicles to insure in Bowie, MD with the Subaru Crosstrek ranking first at $1,796 per year
Top 30 cheapest vehicles to insure in Bowie, MD with the Subaru Crosstrek ranking first at $1,796 per year

A list of 30 vehicle rankings is fine if you just want the lowest rates. A more thorough way to analyze car insurance rates for different vehicles is to break them out by their automotive segment. The sections below list the vehicles with the cheapest insurance rates for the most popular automotive segments.

Cheapest cars to insure in Bowie, MD

Ranking in the top five for the most affordable Bowie auto insurance rates in the non-luxury car segment are the Nissan Leaf, Honda Civic, Nissan Sentra, Toyota GR Corolla, and Subaru Impreza. Car insurance prices for these models average $2,232 or less per year.

Rounding out the top 10 are models like the Kia K5, Chevrolet Malibu, Honda Accord, and Toyota Corolla, with an average cost to insure of $2,366 per year or less.

In the bottom half of the top 20, models like the Nissan Versa, Mazda 3, Volkswagen Jetta, Hyundai Sonata, and Kia Forte cost between $2,366 and $2,512 per year for full-coverage insurance.

As a cost per month, auto insurance rates on this segment in Bowie will start around $176 per month, depending on where you live and the company you use.

The comparison table below ranks the twenty cars with the lowest-cost average auto insurance rates in Bowie, starting with the Toyota GR Corolla at $2,110 per year and ending with the Mazda 3 at $2,512 per year.

Cheapest Car Insurance in Bowie, Maryland
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,110$176
Nissan LeafCompact$2,128$177
Honda CivicCompact$2,150$179
Nissan SentraCompact$2,224$185
Subaru ImprezaCompact$2,232$186
Toyota PriusCompact$2,268$189
Kia K5Midsize$2,340$195
Honda AccordMidsize$2,346$196
Chevrolet MalibuMidsize$2,356$196
Toyota CorollaCompact$2,366$197
Kia ForteCompact$2,370$198
Volkswagen ArteonMidsize$2,388$199
Nissan VersaCompact$2,392$199
Subaru LegacyMidsize$2,396$200
Hyundai Ioniq 6Midsize$2,416$201
Mitsubishi Mirage G4Compact$2,452$204
Volkswagen JettaCompact$2,456$205
Toyota CrownMidsize$2,458$205
Hyundai SonataMidsize$2,462$205
Mazda 3Compact$2,512$209

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bowie, MD Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Bowie, MD, with the Toyota GR Corolla ranking first at $2,110 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Bowie, MD, with the Toyota GR Corolla ranking first at $2,110 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Is your vehicle not in the list? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Bowie car insurance quotes from top companies in Maryland.

SUVs with the best auto insurance rates

The four top-ranked SUVs with the lowest-cost average insurance rates in Bowie are the Subaru Crosstrek at $1,796 per year, Chevrolet Trailblazer at $1,826 per year, Kia Soul at $1,896 per year, and Nissan Kicks at $1,912 per year.

Not the cheapest to insure, but still ranked well, are models like the Hyundai Venue, Toyota Corolla Cross, Buick Envision, and Ford Bronco Sport, with an average cost to insure of $1,990 per year or less.

Additional models that made the list include the Buick Encore, Honda HR-V, Honda CR-V, and Nissan Murano, which average between $1,990 and $2,114 per year for full-coverage insurance.

Auto insurance for this segment in Bowie for a safe driver starts at around $150 per month, depending on the company and where you live. The next table ranks the twenty SUVs with the cheapest insurance in Bowie, starting with the Subaru Crosstrek at $150 per month and ending with the Subaru Ascent at $176 per month.

Cheapest SUV Insurance in Bowie, Maryland
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,796$150
Chevrolet TrailblazerCompact$1,826$152
Kia SoulCompact$1,896$158
Nissan KicksCompact$1,912$159
Honda PassportMidsize$1,934$161
Buick EnvisionCompact$1,946$162
Toyota Corolla CrossCompact$1,958$163
Hyundai VenueCompact$1,974$165
Mazda CX-5Compact$1,982$165
Ford Bronco SportCompact$1,990$166
Volkswagen TiguanCompact$2,010$168
Nissan MuranoMidsize$2,040$170
Buick EncoreCompact$2,062$172
Subaru OutbackMidsize$2,068$172
Honda CR-VCompact$2,070$173
Buick EnvistaMidsize$2,076$173
Volkswagen TaosCompact$2,082$174
Kia NiroCompact$2,092$174
Honda HR-VCompact$2,114$176
Subaru AscentMidsize$2,114$176

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bowie, MD Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Bowie, MD, with the Subaru Crosstrek ranking first at $1,796 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Bowie, MD, with the Subaru Crosstrek ranking first at $1,796 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your SUV in the table above? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Bowie car insurance quotes from top-rated companies in Maryland.

Cheapest pickup insurance rates in Bowie, Maryland

The Chevrolet Colorado comes in at #1 as the cheapest pickup to insure in Bowie, followed closely by the Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. The 2024 model has an average cost of $2,138 per year for full-coverage insurance.

Other models that have cheaper rates include the Hyundai Santa Cruz, Toyota Tacoma, GMC Sierra 2500 HD, and GMC Canyon, with an average cost of $2,500 per year or less.

Full-coverage auto insurance in Bowie for this segment for an average middle-age driver will start around $178 per month, depending on the company and where you live.

The comparison table below ranks the pickups with the most affordable average car insurance rates in Bowie, starting with the Chevrolet Colorado at $2,138 per year ($178 per month) and ending with the Ram Truck at $2,808 per year ($234 per month).

Cheapest Pickup Insurance in Bowie, Maryland
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,138$178
Nissan TitanFull-size$2,272$189
Nissan FrontierMidsize$2,294$191
Ford RangerMidsize$2,320$193
Ford MaverickMidsize$2,356$196
Honda RidgelineMidsize$2,410$201
Hyundai Santa CruzMidsize$2,450$204
Toyota TacomaMidsize$2,460$205
GMC Sierra 2500 HDHeavy Duty$2,470$206
GMC CanyonMidsize$2,500$208
Jeep GladiatorMidsize$2,558$213
GMC Sierra 3500Heavy Duty$2,572$214
Chevrolet Silverado HD 3500Heavy Duty$2,594$216
Chevrolet Silverado HD 2500Heavy Duty$2,666$222
GMC SierraFull-size$2,684$224
Chevrolet SilveradoFull-size$2,686$224
Nissan Titan XDHeavy Duty$2,686$224
Ford F150Full-size$2,716$226
GMC Hummer EV PickupFull-size$2,784$232
Ram TruckFull-size$2,808$234

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bowie, MD Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Bowie, MD, with the Chevrolet Colorado ranking first at $2,138 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Bowie, MD, with the Chevrolet Colorado ranking first at $2,138 per year.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Looking for rates for a different pickup? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Maryland.

Sports cars with cheap car insurance rates

Ranking at the top of the list for the cheapest Bowie car insurance rates in the sports car segment are the Toyota GR86, Mazda MX-5 Miata, Ford Mustang, Subaru WRX, and BMW Z4. Auto insurance prices for these 2024 models average $227 or less per month.

Also ranking well are models like the BMW M2, Toyota GR Supra, Lexus RC F, and Subaru BRZ, with average insurance cost of $2,904 per year or less.

Additional cars that make the list include the Porsche Taycan, Chevrolet Camaro, Mercedes-Benz AMG GT53, Jaguar F-Type, and Lexus LC 500, which average between $2,904 and $4,114 per year for auto insurance in Bowie.

Full-coverage auto insurance in this segment for a middle-age safe driver can cost as low as $187 per month, depending on the company and where you live.

The comparison table below ranks the sports cars with the most affordable average car insurance rates in Bowie.

Cheapest Sports Car Insurance in Bowie, Maryland
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,248$187
Toyota GR86Sports Car$2,560$213
Ford MustangSports Car$2,668$222
BMW Z4Sports Car$2,684$224
Subaru WRXSports Car$2,722$227
Toyota GR SupraSports Car$2,730$228
BMW M2Sports Car$2,808$234
Nissan ZSports Car$2,814$235
Lexus RC FSports Car$2,870$239
Subaru BRZSports Car$2,904$242
BMW M3Sports Car$3,068$256
Porsche 718Sports Car$3,128$261
Chevrolet CamaroSports Car$3,156$263
Chevrolet CorvetteSports Car$3,366$281
Porsche 911Sports Car$3,480$290
BMW M4Sports Car$3,622$302
Lexus LC 500Sports Car$3,642$304
Jaguar F-TypeSports Car$3,832$319
Mercedes-Benz AMG GT53Sports Car$4,020$335
Porsche TaycanSports Car$4,114$343

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bowie, MD Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Bowie, MD, with the Mazda MX-5 Miata ranking first at $2,248 per year.
Ranking of the cheapest sports cars to insure in Bowie, MD, with the Mazda MX-5 Miata ranking first at $2,248 per year.

Need rates for a different vehicle? Not a problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Maryland.

Luxury cars with cheap insurance rates

The Acura Integra ranks in the top spot for the lowest-cost luxury car to insure in Bowie, followed by the BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. The 2024 model has an average cost of $2,160 per year to insure with full coverage.

Also ranking in the top 10 are luxury cars like the Cadillac CT4, Lexus RC 300, Genesis G70, and Mercedes-Benz AMG CLA35, with average rates of $2,554 per year or less.

Ranked between 10th and 20th place, cars like the BMW 230i, Lexus RC 350, Jaguar XF, Lexus IS 350, Audi S3, and Cadillac CT5 average between $2,554 and $2,724 per year for insurance.

Car insurance in this segment for a middle-age safe driver will start around $180 per month, depending on your company and location. The table below ranks the twenty cars with the lowest-cost average car insurance rates in Bowie, starting with the Acura Integra at $180 per month and ending with the Audi S3 at $227 per month.

Cheapest Luxury Car Insurance in Bowie, Maryland
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,160$180
BMW 330iCompact$2,474$206
Mercedes-Benz CLA250Midsize$2,498$208
Lexus IS 300Midsize$2,504$209
Acura TLXCompact$2,514$210
Cadillac CT4Compact$2,536$211
Lexus ES 350Midsize$2,536$211
Genesis G70Compact$2,542$212
Mercedes-Benz AMG CLA35Midsize$2,548$212
Lexus RC 300Midsize$2,554$213
Lexus IS 350Compact$2,564$214
Jaguar XFMidsize$2,570$214
Cadillac CT5Midsize$2,618$218
Lexus ES 250Midsize$2,626$219
Lexus RC 350Compact$2,636$220
BMW 330eCompact$2,638$220
BMW 228iCompact$2,640$220
BMW 230iCompact$2,662$222
Lexus ES 300hMidsize$2,666$222
Audi S3Compact$2,724$227

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bowie, MD Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Bowie, MD, with the Acura Integra ranking first at $2,160 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Bowie, MD, with the Acura Integra ranking first at $2,160 per year.

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Looking for a different vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Bowie car insurance quotes from the best car insurance companies in Maryland.

Luxury SUVs with cheap car insurance rates in Bowie

The four top-ranked luxury SUV models with the lowest-cost car insurance in Bowie are the Acura RDX at $2,032 per year, Lexus NX 250 at $2,150 per year, Cadillac XT4 at $2,194 per year, and Jaguar E-Pace at $2,270 per year.

Not the cheapest in the list, but still ranking well, are luxury SUVs like the Lexus UX 250h, Lexus NX 450h, Mercedes-Benz GLB 250, and Lexus NX 350h, with average insurance cost of $2,342 per year or less.

On a monthly basis, full-coverage auto insurance in Bowie on this segment for the average driver starts at around $169 per month, depending on your location.

The rate comparison table below ranks the luxury SUVs with the most affordable average car insurance rates in Bowie, starting with the Acura RDX at $2,032 per year and ending with the Lexus RX 350 at $2,438 per year.

Cheapest Luxury SUV Insurance in Bowie, Maryland
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,032$169
Lexus NX 250Compact$2,150$179
Cadillac XT4Compact$2,194$183
Jaguar E-PaceMidsize$2,270$189
Lexus NX 350hCompact$2,290$191
Cadillac XT5Midsize$2,292$191
Lincoln CorsairCompact$2,320$193
Mercedes-Benz GLB 250Compact$2,324$194
Lexus UX 250hCompact$2,328$194
Lexus NX 450hCompact$2,342$195
Infiniti QX50Midsize$2,362$197
Mercedes-Benz GLA250Compact$2,368$197
Mercedes-Benz GLA35 AMGCompact$2,376$198
Cadillac XT6Midsize$2,378$198
Infiniti QX60Midsize$2,390$199
Mercedes-Benz AMG GLB35Midsize$2,392$199
Land Rover EvoqueCompact$2,426$202
Acura MDXMidsize$2,428$202
Lexus NX 350Compact$2,436$203
Lexus RX 350Midsize$2,438$203

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bowie, MD Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Bowie, MD, with the Acura RDX ranking first at $2,032 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Bowie, MD, with the Acura RDX ranking first at $2,032 per year.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Is your luxury SUV not in the list? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Maryland.

Saving money on car insurance

Financially savvy drivers are always searching for ways to pay less for auto insurance, so look through the tips in the list below and maybe you can save a little dough on your next renewal.

  • Break the law and you’ll pay more. If you want to get cheap car insurance in Bowie, it pays to follow traffic laws. As a matter of fact, just a couple speeding tickets have the consequences of raising insurance policy cost by at least $646 per year.
  • Compare auto insurance rates before buying a car. Different vehicle models have very different costs for insurance, and insurers can sell coverages with a wide range of prices. Check the cost of insurance before you buy a different car in order to avoid any surprises when you get your insurance bill.
  • Careless drivers pay more for car insurance in Bowie. Being the cause of frequent accidents will raise rates, to the tune of $3,464 per year for a 20-year-old driver and even $592 per year for a 60-year-old driver. So be a cautious driver and save.
  • Shop around. Taking a few minutes to get free car insurance quotes could significantly reduce the cost of insurance. Rates change more often that you might think and switching to a different company is very easy to do.
  • Your profession could reduce your rates. Most auto insurance providers offer discounts for earning a living in occupations like accountants, police officers and law enforcement, lawyers, scientists, dentists, and others. Earning this discount could potentially save between $73 and $236 on your annual auto insurance bill, subject to the policy coverages selected.
  • Buy vehicles with more affordable auto insurance rates. The vehicle you choose to drive has a significant impact on the price you pay for car insurance. For example, a Subaru Impreza costs $2,224 less per year to insure in Bowie than a BMW i8. Drive cheaper models and save money.
  • If your car is older, remove unneeded coverages. Removing comprehensive and collision coverage from vehicles whose low value makes coverage cost prohibitive can cheapen the cost significantly.