Services
Insurance
Loans
Repairs
Advice
About

Cheapest car insurance in Easton, Maryland (Jul 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Easton, Maryland.
background
Find Insurance Savings
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
background
avatar
Bonnie Stinson
Expert Insurance Writer
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
Edited by Maria Cruz, Expert Insurance Writer & Editor

How to find the cheapest car insurance in Easton

Rates vary throughout
Maryland
, but in Easton the average monthly
car insurance
payment is $66 for minimum coverage or $791 per year. For full coverage, Easton drivers can expect to pay about $183 per month or $2,198 per year.
Because every driver has a different profile (car type, driving history, zip code) there is no “cheapest” company for every single Easton resident. But since Easton is a small town, you can expect to pay less than the state average for insurance coverage, which is $192 per month for full coverage or $91 for minimum coverage.
To find the best rate for you, shop around and compare options. The free
Jerry
app helps you pull custom quotes from multiple companies—and it’s helped lots of Maryland drivers find an auto insurance policy.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$137
Emilie, 49
Zip: 21601
Honda Pilot EX
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$176
Ralph, 37
Zip: 21601
Toyota Avalon XL
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$112
Ronald, 44
Zip: 21601
Lincoln MKC
• 100,000/300,000 Liability
• Comp / Collision
Clearcover
$87
Hilda, 22
Zip: 21601
Honda Civic EX
• State Minimum Liability
coverageLast Updated Jul 18, 2024

Best car insurance companies in Easton

While there’s no “best” company for every single Easton driver, we can tell you which companies ranked the best in a recent survey of real Maryland policyholders.
State Farm and Liberty Mutual ranked highly for overall satisfaction, with State Farm taking the top spot for policy price satisfaction among Maryland drivers surveyed. 
For some Easton motorists, GEICO, Erie, and Allstate will offer cheaper
car insurance quotes
—but price isn’t everything. Customer service and claims handling are important, too.
Check out this data from a nationwide survey, condensed to show only Maryland results below. Thousands of participants were asked about more than 50+ companies, and rated them across a variety of factors.
Insurance companyOverall ratingPriceClaims experienceCustomer service
State Farm
4.7
4.5
N/A
4.8
Liberty Mutual
4.5
3.7
N/A
4.8
Geico
4.3
3.7
4.8
4.2
Progressive
4.2
3.4
3.9
4.3
Allstate
3.8
3.3
4.2
3.8
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Easton

Drivers must carry coverage that meets the
state minimum requirements
in Maryland, whether they’re in Easton or Baltimore. Many drivers will benefit from bumping up their liability coverage, or purchasing full coverage—although it’s not strictly necessary under state law.

Cheap minimum liability insurance quotes in Easton

You must carry at least 30/60/15 liability coverage in Maryland. Here’s what that means:
This is the bare minimum under state law, and it’s the cheapest way to get coverage in Easton. You can exceed this amount of liability coverage, but you can’t go below it. Companies won’t offer you a policy that goes below these levels.
Furthermore, Maryland requires all drivers to carry
uninsured/underinsured motorist coverage (UM/UIM)
. You’ll be offered $2,500 of
personal injury protection (PIP)
coverage in Maryland, but you’re allowed to waive it.
Check out these quotes from real drivers who found minimum coverage in Maryland through Jerry.
card cover
Clearcover
Hilda (22 years old)
coverageCoverage
State Minimum
locationEaston, MD
(Zip Code: 21601)
carHonda Civic EX
$87
per month
card cover
Electric
Harry (35 years old)
coverageCoverage
State Minimum
locationEaston, MD
(Zip Code: 21601)
carVolkswagen Passat SE
$140
per month

Do you need more than minimum coverage in Easton?

You can legally get behind the wheel in Maryland with 30/60/15 in liability coverage and UM/UIM. However, this level of coverage might not be enough to protect you and your assets in the event of a serious collision.
Liability coverage kicks in when you cause an at-fault accident, and it pays for the other party’s injuries and damages. If the person’s hospital stay exceeds your policy’s limit of $60,000, you’re still on the hook for those additional charges. You’ll also have to replace their vehicle—and if it was brand new, it will definitely cost more than your policy’s $15,000 limit. 
Experts recommend that you purchase as much liability coverage as you can afford, either 100/300/100 or 50/100/50. Your monthly cost won’t increase by more than a few dollars, but your assets will be far more protected and you’ll have peace of mind.
Finally, what about your own medical costs and recovery bills? If you choose to keep PIP, you’ll have about $2,500 for yourself and your passengers—but that may not be enough, even if you have additional health insurance or Medicare.
Full coverage
policies are the only way to protect you and your property in an accident.

Cheap full coverage car insurance quotes in Easton

Full coverage is optional for most drivers in Maryland. However, note that some lenders can require borrowers to carry full coverage on financed vehicles until their loan is paid off.
Full coverage includes both
comprehensive
and
collision
coverage:
  • Comprehensive coverage: If your vehicle suffers non-collision damage (like theft vandalism, or falling trees), this policy will pay out. 
  • Collision coverage: If your vehicle is damaged in a collision (like a car crash, hitting an animal, or hitting a mailbox), this coverage will kick in to repair or replace the car.
Both these policies are subject to a deductible, which is a cash payment you must pay before the policy coverage kicks in.
Full coverage in Easton ranges in cost by provider. See example costs below. 
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 100,000/300,000 Liability
• Comp / Collision
Progressive
$493
Ellen, 32
Zip: 21601
Mercedes-Benz CLA 250 4matic
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$103
Milton, 44
Zip: 21601
Lincoln MKC
• 50,000/100,000 Liability
• Comp / Collision
National General
$88
Barbara, 37
Zip: 21601
Toyota Avalon XL
coverageLast Updated Jul 23, 2024
If you’re hunting for a policy for yourself, use a comparison app to simplify things. Jerry can pull up custom quotes in 45 seconds right on your smartphone in a user-friendly, free platform.
Finding cheap full coverage is as easy as entering your zip code, comparing policies, and signing up.
Lower my car insurance too!

Average cost of car insurance in Easton

The average driver in Easton will pay between $66 and $183 per month for coverage, depending on whether they pick a minimum or full coverage policy. That’s cheaper than the Maryland state average!
Even so, average car insurance rates are just average. All drivers are unique, so your rate may be higher or lower depending on unique driver profile.

Car insurance quotes in Easton by rating factors 

When calculating a person’s rate, companies assess the type of car they drive, their zip code, and their driving record. Some even take into account your profession and your credit score.
Here are the major factors:
  • Your make and model: If your car costs more to repair or replace, you’ll pay more to insure it. Luxury, sports, and performance vehicles fit into this category. Vehicles with excellent driver safety features tend to pay less than average.
  • Zip code: Even within the same town, your zip code has a unique risk profile. Some areas of Easton experience more auto theft and traffic accidents, for instance, so drivers in these areas pay higher rates simply because of the risk associated with their particular neighborhood.
  • Your driving record and claims history: A history of claims is a red flag for insurers. If you’ve filed multiple claims, received tickets, or gotten into accidents in the past, expect to pay higher-than-average costs for coverage.
  • Usage: The more you drive, the higher your risk of getting into an accident. That’s why frequent commuters tend to pay more for coverage.
  • Your credit score: In Maryland, insurers are allowed to use your credit score to set rates. That’s because companies have found that credit score is correlated with risk. People with lower credit scores (below 600) can expect to pay much higher premiums in Easton. 
Every formula is unique—some factors are weighed more heavily at one company, for instance.
Easton drivers should pull quotes from multiple companies to find out which one gives the lowest rate for their unique situation.

How do different factors impact your car insurance costs in Easton?

icon
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
icon
Prohibited (or effectively prohibited): Easton currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Easton:

Cheap car insurance quotes in Easton after driving violations

One or more violations can bump up your rates in Easton, although some violations can have a bigger impact than others. Once you’re labeled a
high-risk driver
, it can take years to clear your record and get your rate back to normal.
If you have any of these violations on your record, expect steep rates at your next renewal:
  • DUIs
  • At-fault accident 
  • Driving on a suspended license
  • Driving without insurance
  • Speeding
Know that some companies will refuse coverage to drivers with a strong pattern of past violations. Shopping for coverage with violations on your record is easier with
Jerry
.

Cheapest car insurance in Easton after DUI

DUIs trigger high insurance rates in Maryland. A
DUI in Maryland
also carries significant penalties, such as jail time, fines, and license suspension. 
You could even be denied coverage with a DUI on record.
Finding insurance after a DUI can be tricky, but Jerry has helped Easton drivers find affordable rates. Check it out.
card cover
Bertha (41 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationEaston, MD
(Zip Code: 21606)
$62
per month
card cover
Gene (39 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationEaston, MD
(Zip Code: 21601)
$60
per month

Cheapest car insurance in Easton after an at-fault accident

Causing an accident is another red flag for insurance companies. If you’ve caused one or more accidents recently, expect to pay higher-than-average rates until you can prove you’re a safe driver.
Before you renew your policy with your current company at a higher rate, take some time to
shop around and compare rates
elsewhere. Easton drivers with at-fault convictions have found policies using this strategy, as you can see below. 
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$493
Jerome, 32
Zip: 21601
Mercedes-Benz CLA 250 4matic
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
Travelers
$112
Julia, 44
Zip: 21601
Lincoln MKC
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Safeco
$176
Rachel, 37
Zip: 21601
Toyota Avalon XL
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 18, 2024

Cheapest car insurance in Easton after other driving violations

Illegal turns, faulty equipment, and other driving violations can trigger rate hikes in Maryland, too. While the rate increases are usually not as high for common violations as they are for DUIs and at-fault accidents, Easton drivers can still expect higher-than-average rates with tickets on their record.
Here’s an example of what real Easton drivers are paying—and what violations they committed.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
AAA
$66
Lena, 31
Zip: 21606
Porsche Macan
• 50,000/100,000 Liability
• Comp / Collision
Defective Equipment
Nationwide
$73
Jack, 38
Zip: 21601
Dodge Dakota
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 23, 2024

Cheap car insurance quotes in Easton by age

In Easton and elsewhere, age affects your car insurance significantly because it’s associated with risk. Young drivers between 16 and 19 and drivers beyond their mid-70s tend to pay the highest rates.

Cheapest car insurance in Easton for young drivers

Teen drivers
tend to get into more accidents due to their lack of experience behind the wheel. This is one reason that experts recommend full coverage for teens.
While you carry a
Maryland provisional license
, your rates may still be lower because you’re required to be supervised while driving. However, after that, your rate tends to go up until the age of 25—regardless of which company you use for coverage.
Staying on a parent’s policy and qualifying for good student discounts can help lower rates. 
Check out an example of real life insurance costs from young drivers in Easton.
card cover
Clearcover
Hilda (22 years old)
coverageCoverage
State Minimum
locationEaston, MD
(Zip Code: 21601)
carHonda Civic EX
$87
per month

Cheapest car insurance in Easton for senior drivers

Senior car insurance
is also higher than average. This is consistent across most companies and states, simply because older people have higher rates of mortality and hospitalization after car accidents. Seniors’ recovery costs and medical expenses cost more, too.
Car insurance companies consider these additional costs when setting rates for older drivers.
Seniors can still find affordable coverage in Easton! See how Jerry is helping seniors in Easton find savings on car insurance.
card cover
Francisco (68 years old)
coverageCoverage
State Minimum
locationEaston, MD
(Zip Code: 21601)
$61
per month
card cover
Ricardo (68 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationEaston, MD
(Zip Code: 21606)
$66
per month

Cheap car insurance quotes in Easton based on insurance history

Companies like to see that you’ve had consistent coverage—and a
coverage lapse
may trigger higher rates because insurers view gaps as unpredictable (and risky).
While you can’t change your past lapse, you can compare rates to get the lowest possible price for your situation. The good news is that you can start fresh and set a good habit of continuous insurance going forward.
Jerry can help Easton drivers with lapses find coverage. Jerry also has a helpful notification system to help drivers avoid future gaps, so get pinged to pay on time and renew your coverage before it expires.
Here are some Easton drivers who found Maryland car insurance after a lapse. Check out how much they’re paying and what they’re driving.
card cover
Edna (32 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationEaston, MD
(Zip Code: 21601)
carMercedes-Benz CLA 250 4matic
$493
per month
card cover
Della (44 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationEaston, MD
(Zip Code: 21601)
carLincoln MKC
$103
per month
card cover
Pauline (28 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationEaston, MD
(Zip Code: 21601)
$140
per month
card cover
Lulu (44 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationEaston, MD
(Zip Code: 21601)
carLincoln MKC
$112
per month
card cover
Clearcover
Jesse (22 years old)
Currently Insured
coverageCoverage
State Minimum
locationEaston, MD
(Zip Code: 21601)
carHonda Civic EX
$87
per month

Cheap car insurance quotes in Easton for drivers with poor credit

In Maryland, companies are allowed to consider your credit score when setting your initial rate and renewing your premium. 
Providers have discovered a correlation between credit score and likelihood of filing a claim. Lower credit scores mean a higher risk of filing a costly claim, and companies charge extra for this risk.
Data shows
that low credit drivers pay about 77% more for car insurance than drivers with good credit. But you still need insurance! A comparison app like Jerry can help you pay the least for coverage if you’re an Easton driver struggling with your score.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
550 - 659
Progressive
$493
Ronnie, 32
Zip: 21601
Mercedes-Benz CLA 250 4matic
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 17, 2024

How to lower car insurance costs in Easton

Saving on car insurance on the Eastern Shore is easy, if you’re willing to do some administrative work. 
Here are the top seven ways to unlock lower rates:
  1. Inquire with an insurance agent about
    car insurance discounts
    . You could save money for driving safely, going paperless, or enrolling in a telematics program.
  2. Bundle home and auto insurance for a discount on both policies. Most companies offer this discount for renters insurance as well as homeowners insurance, and agents are usually very happy to help you switch insurance products to their company.
  3. Raise your deductible (on full coverage policies). Only do this if you can actually afford the higher out-of-pocket payment amount!
  4. Adjust your coverage level. If you really need to save a few bucks, lower your coverage to the state minimum level. Be aware that this leaves you unprotected in the event of a serious accident, though legally compliant.
  5. Look for duplicate coverages and remove them. For instance, some credit cards offer automatic roadside assistance in which case you could cancel your car insurance policy for roadside coverage.
  6. For older vehicles, remove collision and comprehensive (if appropriate). If the cost to replace your vehicle is very low, you might not want to pay for collision coverage.
  7. Shop around every six months
    to compare insurance quotes before renewing your coverage. You’re under no obligation to sign up for a rate, but comparing quotes can help you determine if you’re overpaying at your current company.

Why is car insurance in Easton so expensive? 

Easton rates are certainly not cheap but they’re cheaper than in many other places. 
In fact, Easton’s low population density, relatively low crime rate, and average traffic accident rate help keep insurance costs low for local drivers.
The average Easton driver pays $66 per month for minimum coverage, whereas the average American pays $77 per month for minimum coverage. For minimum coverage in the state of Maryland, the average driver pays $91. 

FAQ

How much is car insurance in Easton?

Car insurance costs about $66 per month for minimum coverage or $183 per month for full coverage. That’s cheaper than both the state and national averages. Note that your rate might be higher or lower depending on your unique driver profile.

What is the cheapest car insurance in Easton?

State Farm, Erie, GEICO, and Liberty Mutual rank well for policy cost satisfaction according to a recent survey of Maryland drivers. However, there is no single company that offers the lowest rate to every single driver profile—drivers are too unique for that! 
For instance, some military drivers will get the best rates with USAA. Easton families with multiple young drivers might find that Allstate offers a better deal. The only way to know is to shop around and pull quotes from multiple companies.

What is the best car insurance in Easton?

If price is the most important factor, consider State Farm, Liberty Mutual, Erie, or GEICO. But if you’d like a company that responds well when you file a claim, consider Progressive and State Farm. The best strategy is to pull quotes from multiple companies, since you can’t predict which one will give the best rate for your unique driver profile.

What is the minimum car insurance in Easton, Maryland?

All Maryland drivers must carry 30/60/15 in liability coverage as well as UM/UIM coverage. That’s $30,000 in bodily injury per person, $60,000 in bodily injury per accident, and $15,000 in property damage per accident. 
PIP is available at $2,500 per person. You can exceed these levels, but you cannot go below them according to state law. 

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.