The type of vehicle you are buying coverage for is a large consideration that determines the availability of affordable auto insurance for felons. Vehicles with average performance, modern passenger safety features, or a low likelihood of having liability claims will cost much less to insure than high performance models.
The table below outlines car insurance prices for some of the most cost-effective automobiles to buy insurance for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$2,450|
|Honda CR-V EX-L 4WD||$2,507|
|Ford Escape XLS 4WD||$2,809|
|Ford F-150 XL Crew Cab 4WD||$2,812|
|Jeep Grand Cherokee Laredo 2WD||$2,905|
|Nissan Altima 2.5 4-Dr Sedan||$2,911|
|Toyota RAV4 Sport 4WD||$2,905|
|Dodge Grand Caravan Hero||$2,914|
|Jeep Wrangler Sport 4WD 2-Dr||$2,919|
|Hyundai Elantra Blue 4-Dr Sedan||$3,001|
|Honda Odyssey LX||$3,093|
|Volkswagen Jetta SEL 4-Dr Sedan||$3,115|
|GMC Sierra 2500HD SLE Crew Cab 4WD||$3,122|
|Chevrolet Malibu LTZ||$3,115|
|Ford Edge SE 2WD||$3,300|
|Ford Fusion Sport AWD 4-Dr Sedan||$3,317|
|Kia Optima EX||$3,321|
|Chevrolet Impala LT||$3,328|
|Ford Explorer XLT AWD||$3,371|
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in specific zip code location which can decrease or increase auto insurance rates noticeably.
Based upon these rates, we can tell that models like the Honda Accord, Honda CR-V, Ford Escape, Ford F-150, and Jeep Grand Cherokee are most likely going to be the most economical vehicles to insure for felons.
For felons, one of the largest criteria that determine car insurance rates is where you live. Areas with more people or higher crime rates tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.
The following table sorts the most expensive cities in Maryland for felons to buy auto insurance in. Baltimore is ranked #1 with an annual premium of $1,760 for the average insured, which is about $147 each month.
|Rank||City||Premium Per Year|
|22||Bel Air South||$1,222|
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Price information shown is comparative as vehicle location can revise coverage rates noticeably.
Comparing rates for affordable insurance is not always easy, and deciding which company offers the most affordable auto insurance rates for felons will require even more rate comparisons.
Each insurer has a unique formula for setting rates, so we’ll go over the auto insurance companies with the most affordable rates in Baltimore. It’s important that you understand Baltimore, MD auto insurance rates are impacted by many things which can significantly increase or decrease the price you pay. This price variability is why it is crucial to compare lots of rates when trying to get the most affordable car insurance quotes for felons. Insurance rates are calculated by many risk factors and can change substantially, so the cheapest company a year ago may now be costing you a lot of money.
Cheap Insurance Rates for Felons
USAA may offer some of the most affordable car insurance rates in Baltimore at around $930 a year. Liberty Mutual, Penn National, Erie, and State Auto also qualify as some of the lowest-priced Baltimore, MD auto insurance companies.
In the above rates, if you have coverage with Erie and switched to Liberty Mutual, you might realize a yearly savings of upwards of $35. Insureds with State Auto could save as much as $100 a year, and Amica customers might reduce rates by $220 a year.
If you want to see how much you could save, click here or quote prices from the following companies.
It’s important to note that these prices are averaged across all insureds and vehicles and and are not calculated with an exact zip code location for felons. So the insurer that can offer you the best price may not even be in the top 16 companies in the list above. That illustrates why you need to quote rates from as many companies as possible using your own personal information and vehicle type.
The chart below demonstrates how choosing different deductibles can increase or decrease insurance costs when searching for cheap insurance for felons. The costs are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.
The data above shows that a 30-year-old driver could lower rates by $420 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $634 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could possibly save $1,284 or more by using higher deductibles when buying full coverage.
If you make the decision to raise deductibles, it is a good idea to have enough savings to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Finding a high-quality car insurance company can be a challenge considering how many choices you have in Maryland. The information shown below can help you choose which car insurance providers to look at comparing rates with. The rankings below only include the companies with a significant amount of written premium nationwide, so companies that may only write in Maryland are not taken into consideration for the list.
Top 10 Major Auto Insurance Providers in Baltimore Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
- The Hartford – 87%
Top 10 Major Auto Insurance Providers in Baltimore Ranked by Customer Service
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Should you buy full coverage?
Lowering the price of auto insurance is the goal of most people, and one common way to buy cheaper insurance for felons is to buy liability only. The example below compares premium costs with and without physical damage coverage. The rate quotes are based on no accidents, no driving violations, $100 deductibles, drivers are not married, and no other discounts are factored in.
If all age groups are averaged, full coverage on your policy costs $2,323 per year over and above liability only. That is a significant amount which raises the question if paying for full coverage is a waste of money. There is no written rule to delete full coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
There are some circumstances where removing full coverage is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not opt for liability only.
How to find economical car insurance for felons
Here are some penny-pinching solutions that can help Baltimore drivers find cheap car insurance.
- Increase your credit rating
- Avoid speeding and other traffic citations and pay less
- Vehicles with good safety ratings are usually cheaper to insure
- Remain accident-free and save
- Increase your deductibles
- Check for cheaper rates once a year
The last idea is notably vital, as was discussed in the prior article. Coverage prices can change considerably in a year, so drivers shouldn’t hesitate to buy from a new company if a better rate can be found. Loyalty to a specific company is fine, but it isn’t a good idea if it’s costing you potentially thousands of dollars a year. It takes less than five minutes to compare rates to find cheaper insurance for felons in Baltimore.