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Car Insurance Quotes in Odenton, MD

Full coverage / year
$2,143
State minimum / year
$821
Typical quote range
$1,521 – $2,957

The estimated cost of full coverage car insurance in Odenton is $2,143 a year, against $821 for a state-minimum policy. That is around 6% below the Maryland average, helped by lighter traffic and below-average claim frequency. Two drivers on the same street routinely pay double the difference, so treat the average as a starting point and quote your own profile.

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Car insurance calculator — Odenton, MD

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$179/ month
$2,143 per year · carriers in Odenton, MD typically quote $1,521 – $2,957
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Odenton, MD

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,629$136-24%Military members and families only
Geico$1,757$146-18%Usually cheapest for clean records
State Farm$1,886$157-12%Strong for young and student drivers
Progressive$2,036$170-5%Competitive after a ticket or accident
Travelers$2,079$173-3%Good multi-policy discounts
Nationwide$2,143$1790%Mid-market, wide availability
Allstate$2,443$204+14%Higher base rate, heavy discount stacking
Farmers$2,593$216+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Odenton, MD. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Odenton

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$5,788$2,217$482
18 years old$4,882$1,870$407
20 years old$4,042$1,548$337
22 years old$3,358$1,286$280
25 years old$2,562$981$214
30 years old$2,209$846$184
40 years old$2,076$795$173
50 years old$1,988$761$166
60 years old$1,966$753$164
65 years old$2,054$787$171
70 years old$2,253$863$188
75 years old$2,629$1,007$219

Estimated premiums by age in Odenton, MD, clean record, sedan.

What a ticket, accident or DUI costs in Odenton

Driving recordEst. annualIncrease
Clean record$2,143—
1 speeding ticket$2,636+23%
1 at-fault accident$3,150+47%
DUI / DWI$4,050+89%

What a violation costs a 35-year-old in Odenton, MD. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Maryland

Every driver registering a vehicle in Maryland must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Maryland Department of Insurance.

Required coverage in MarylandMinimum limit
Bodily injury liability, per person$30,000
Bodily injury liability, per accident$60,000
Property damage liability$15,000
Uninsured motorist 30/60/15Required
PIP $2,500 or waiverRequired
Insurance systemAt-fault (tort)

Coverage levels compared in Odenton

Coverage levelEst. annualEst. monthly
State minimum liability$821$68
Full coverage (100/300/100 + comp & collision)$2,143$179
Full coverage, high limits + low deductible$2,550$212

Coverage level comparison for Odenton, MD.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Odenton

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Odenton covers 21113 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Odenton, MD?
Full coverage in Odenton is estimated at $2,143 a year ($179 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $821 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Maryland?
Maryland requires at least $30,000 bodily injury per person, $60,000 per accident and $15,000 property damage, plus uninsured motorist 30/60/15, pip $2,500 or waiver. Maryland is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Odenton?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Odenton for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Odenton?
An 18-year-old in Odenton is estimated at $4,882 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Odenton?
A DUI takes the estimate from $2,143 to about $4,050 a year in Odenton, an increase of roughly 89%. Maryland drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Odenton?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

SevernSouth GateCroftonMaryland CityGlen BurniePasadenaFerndaleHanover

Comparing more of Maryland? See every Maryland city we price or read the cheap car insurance guide for Odenton.