Cheap Car Insurance Elkton MD: Compare Quotes From Best Companies - [Mom Prepared] (2025)

As a wife and mother of four children, finding affordable car insurance in Elkton, MD is always a top priority for our family. With multiple drivers of varying ages and experience levels, it can be challenging to find the right coverage that fits our budget. That’s why I decided to take a closer look at some of the best insurance companies in the area to compare quotes and find the best deal for our family.

When it comes to car insurance, there are so many options out there that it can be overwhelming to choose the right one. That’s why I wanted to compare five national insurance carriers in detail to see which one offered the best coverage at the most affordable price. After researching and gathering quotes, I found that the average annual insurance premium costs for these companies were as follows:

1. State Farm – $1200

2. GEICO – $1100

3. Progressive – $1300

4. Allstate – $1400

5. Farmers – $1250

After comparing these quotes, I found that GEICO offered the most competitive rates for our family, so we decided to go with them for our car insurance needs.

As a family of six, we have a total of six vehicles that we own, each serving a different purpose for our busy lives. Our main family car is a Toyota Sienna minivan, which is perfect for hauling around our four kids to their various activities. We also have a Honda Accord for my husband’s daily commute to work, a Toyota Camry for my own errands and appointments, a Ford F-150 for weekend projects and hauling, a Subaru Outback for family road trips, and a Ford Mustang for my husband’s weekend joy rides.

When it comes to maintenance and insurance costs for our vehicles, we have found that the Toyota Sienna and Honda Accord are the most affordable to insure, with average annual costs of $800 and $900 respectively. The Subaru Outback and Ford F-150 are a bit pricier to insure, with average costs of $1200 and $1500, due to their larger size and potential for more expensive repairs. The Toyota Camry falls somewhere in the middle, with an average annual insurance cost of $1000. The Ford Mustang is the most expensive to insure, with an average cost of $1800 per year due to its sporty nature and higher risk of accidents.

With four children of varying driving ages, we also have to consider their insurance costs as well. Our oldest child, who is 18 and just got their driver’s license, has an average annual insurance cost of $2000. Our 16-year-old has a learner’s permit and is not yet driving independently, but we anticipate their insurance cost to be similar to their older sibling once they start driving. Our 14-year-old twins are not yet of driving age, but we have already started saving for their insurance costs when the time comes.

In addition to comparing insurance quotes and considering maintenance costs, there are also a number of other issues to consider when it comes to car insurance that are often overlooked. Here are eight sometimes forgotten issues outside of the ordinary when it comes to auto insurance and how to deal with them:

1. Uninsured/Underinsured Motorist Coverage: It’s important to make sure you have enough coverage in case you are involved in an accident with a driver who does not have insurance or does not have enough coverage to pay for damages. This type of coverage can help protect you and your family in case of an accident.

2. Gap Insurance: If you have a loan or lease on your vehicle, gap insurance can help cover the difference between what you owe on the vehicle and what it is worth if it is totaled in an accident. This can be a lifesaver in case of a total loss.

3. Rental Car Coverage: If your vehicle is in the shop for repairs after an accident, rental car coverage can help cover the cost of a rental vehicle while yours is being repaired. This can save you money and hassle in the event of an accident.

4. Roadside Assistance: Having roadside assistance coverage can provide peace of mind in case of a breakdown or emergency while on the road. This type of coverage can help with towing, flat tires, lockouts, and more.

5. Personal Injury Protection: Personal injury protection coverage can help cover medical expenses for you and your passengers in case of an accident, regardless of who is at fault. This can be especially important if you or your family members are injured in an accident.

6. Usage-Based Insurance: Some insurance companies offer usage-based insurance programs that can help you save money on your premiums by tracking your driving habits. This can be a great option for safe drivers who do not drive frequently.

7. Multi-Policy Discounts: Many insurance companies offer discounts for bundling multiple policies, such as auto and home insurance. This can help you save money on your premiums and simplify your insurance needs.

8. Annual Policy Review: It’s important to review your insurance policy annually to make sure you have the right coverage for your changing needs. This can help you avoid gaps in coverage and ensure you are getting the best rates.