Best Car Insurance in Capitol Heights 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Capitol Heights.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
February 25, 2021Chevrolet Cruze LS2074322ClearCover$295/mo.$93/mo.
September 20, 2021Ford Fusion SE2074338Electric$271/mo.$105/mo.
February 8, 2021Toyota Camry L2074356Progressive$185/mo.$123/mo.
June 30, 2021Acura TL2074327Allstate$273/mo.$171/mo.
Here’s more information about what impacts the insurance rates in your Capitol Heights.

How much does car insurance cost in Capitol Heights?

Car insurance in Capitol Heights, Maryland costs single-car drivers an average of $3,919 annually, or about $327 per month. Compared to the state annual average of $3,544, auto insurance in Capitol Heights is $375 higher higher.
As its name suggests, Capitol Heights is right across the Anacostia River from our nation’s capital, Washington D.C. With a population of under 5,000, this small town has easy access to all the incredible sights Washington D.C. has to offer with the comfort of a suburban lifestyle.
Capitol Heights residents may find it difficult to score cheap car insurance. The good news is, there’s help to be found with the licensed broker app Jerry!
Jerry is the number one insurance app in the App Store…and for good reason! In just a few minutes, you can find a cheaper insurance policy that fulfills all your coverage needs. After the free sign-up process, Jerry gives you over 50 insurance quotes from top providers. Once you’ve made your selection, Jerry even helps you with your sign-up paperwork!
Here’s a rundown of what you need to know about car insurance in Capitol Heights.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Capitol Heights$3,911$2,847$3,836$2,463--
National Average$3,223$2,143$3,086$1,764$3,423$2,486
Capitol HeightsNational Average
All Coverage Before Jerry
$3,911$3,223
All Coverage After Jerry
$2,847$2,143
Minimum Coverage Before Jerry
$3,836$3,086
Minimum Coverage After Jerry
$2,463$1,764
Full Coverage Before Jerry
-$3,423
Full Coverage After Jerry
-$2,486
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Choosing a carrier in Capitol Heights

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Make sure you’re making the most of your insurance! Your choice of provider will impact your rates, what coverage you can get, and the discounts you can qualify for.
Some popular insurance carriers in Capitol Heights include GEICO, State Farm, and USAA.
Here’s what drivers pay with some of the most popular insurance providers in Capitol Heights before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Allstate$3,276$1,218Compare Prices
Progressive$3,620$892Compare Prices
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What kind of car insurance you need in Capitol Heights

In Capitol Heights, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
All drivers in Capitol Heights are required to have the Maryland minimum insurance policy.
A Maryland car insurance policy must include at least:
This policy will help pay for damage you cause in an at-fault accident and pay for your expenses if the at-fault driver is not insured.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
To keep yourself covered from almost anything, consider these additional car insurance coverages:
FactorRecommended coverageDescription
Washington D.C.Collision insuranceWith D.C., one of the most congested cities in the U.S., close by, you’ll want collision insurance to protect you against damage caused by a crash.
CrimeComprehensive coverageIf you’re worried about car theft or vandalism, you should add comprehensive insurance to your policy.
HighwaysAccident forgivenessWith Capitol Heights highways providing direct access to Washington D.C., expect bad traffic year-round. To keep a first at-fault accident from negatively impacting your car insurance rates, get accident forgiveness.
National parksRoadside assistanceWith plenty of natural wonders to explore around Capitol Heights, you may be in for some long drives. To help you make it there and back safely, invest in roadside assistance.

What determines your car insurance cost in Capitol Heights

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Capitol Heights, you could be paying as much as $7 more per month than an adult driver. These are average rates for Jerry customers in Capitol Heights broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
21-24$3,838$866
25-34$4,475$1,274
35-44$3,763$1,076
55-64$2,220$347
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Capitol Heights with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,901$1,111
Speeding under 15$4,187$155
Other$4,001$185
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Where in Capitol Heights you live

It may seem like insurance rates in Capitol Heights should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Capitol Heights, residents of -- will have the most expensive car insurance rates, while people who live in 20743 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Capitol Heights:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
February 25, 202120743Chevrolet Cruze LSMD22ClearCover$295/mo.$93/mo.
September 20, 202120743Ford Fusion SEMD38Electric$271/mo.$105/mo.
February 8, 202120743Toyota Camry LMD56Progressive$185/mo.$123/mo.
June 30, 202120743Acura TLMD27Allstate$273/mo.$171/mo.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Why is car insurance in Capitol Heights so expensive?

A variety of considerations determine baseline car insurance rates in Capitol Heights. Insurance companies often consider the following:
Capitol Heights residents might find their insurance bill unreasonably expensive. Here are some reasons why your zip code might be raising your costs:

Washington D.C.

A close suburb of D.C., Capitol Heights has to deal with much of the city’s traffic. This means more congestion, more accidents, and more insurance claims.
To deal with the higher likelihood of claims, insurance companies will increase their prices.

Extreme weather

Extreme weather events are becoming worse and more frequent across the U.S. Capitol Heights is susceptible to flooding, snowstorms, and intense rainfall. These weather events can worsen road conditions and damage cars, both of which lead to insurance claims.

Crime

The chance of being the victim of property crime in Capitol Heights is close to the national average.
In places where comprehensive insurance claims are more likely, insurance prices rise.

How can you save money on car insurance in Capitol Heights?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

DiscountDescription
Multi-car policyIf you need to insure multiple cars, putting them all on the same policy will earn you savings.
Good gradesHigh school or college students with good grades can receive insurance discounts.
Safety featuresAdvanced safety features and anti-theft alarms can prevent claims and lead to discounts.
Timely payingLower your insurance bill by consistently paying it on time.
Electric vehiclesOwning a hybrid or electric car will get you a discounted insurance premium.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

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