Car insurance in Suitland, Maryland averages $1,247 for a six-month full coverage policy ($208/month). Travelers offers the lowest rate at $962 per six months, which is 23% below the Suitland average. Prince George's County drivers pay roughly 24% more than the Maryland state average of $1,002 per six months.
- Average 6-month full coverage premium in Suitland: $1,247
- Travelers offers the cheapest rate at $962 per six months ($160/month)
- Suitland rates run 24% higher than the Maryland state average
- Maryland requires UM/UIM coverage at 30/60/15 limits, plus $2,500 PIP minimum
- Compare at least 5 quotes: rates vary by $550 between cheapest and most expensive insurers
Suitland sits in Prince George's County, one of Maryland's priciest counties for car insurance. Proximity to Washington, D.C., dense suburban traffic along Branch Avenue and Auth Road, and a motor vehicle theft rate of 1 in 77 residents all push premiums above the statewide norm. Getting quotes from multiple insurers remains the single most effective strategy, since Suitland drivers can save up to $550 per six months just by switching companies.
Suitland Car Insurance Rates by Company
Travelers and GEICO consistently undercut the competition in Prince George's County. The gap between the cheapest and most expensive insurer in Suitland exceeds $550 for a six-month policy, so comparison shopping pays off significantly.
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| Travelers Cheapest | $962 | $160 |
| GEICO | $989 | $165 |
| State Farm | $1,108 | $185 |
| Nationwide | $1,163 | $194 |
| Progressive | $1,247 | $208 |
| Allstate | $1,512 | $252 |
Rates above reflect full coverage for a driver with a clean record and good credit. Your actual premium will vary based on your age, driving history, vehicle type, and the specific coverage limits you choose. USAA offers competitive rates in Maryland but restricts eligibility to active military, veterans, and their families.
Travelers earned a 4.8 out of 5 customer satisfaction score in Maryland for 2026, making it both the cheapest and one of the best-rated options for Suitland drivers. Call Travelers at 1-800-842-5075 to request a personalized quote for your ZIP code 20746.
Average Car Insurance Cost in Suitland
Suitland's $1,247 six-month average exceeds the Maryland statewide average of $1,002 by about $245. Nationally, drivers pay roughly $900 every six months for full coverage, so Suitland residents pay approximately 39% more than the national benchmark. Prince George's County ranks among the top three most expensive counties in Maryland for auto insurance, trailing only Baltimore City.
| Location | 6-Month Full Coverage | Monthly Cost |
|---|---|---|
| Suitland, MD | $1,247 | $208 |
| Maryland Average | $1,002 | $167 |
| National Average | $900 | $150 |
Factors Affecting Suitland Insurance Rates
Prince George's County's high vehicle theft rate pushes Suitland premiums above the state average. Residents face a 1-in-77 chance of vehicle theft, compared to the national average of roughly 1 in 175. Insurers price comprehensive coverage accordingly.
Dense traffic along MD-4 (Pennsylvania Avenue), Auth Road, and the Capital Beltway (I-495) increases accident frequency. Suitland's crime rate of 39 incidents per 1,000 residents ranks well above the national average of 22 per 1,000, affecting both collision and comprehensive pricing. Maryland also ranks among the top five states for vehicle theft, with thefts involving Kia and Hyundai models spiking over the past two years.
About 14% of Maryland drivers carry no insurance, raising the risk for every insured motorist. Adding uninsured motorist coverage protects you when an at-fault driver cannot pay, and Maryland law actually requires it at the same limits as your liability policy.
Maryland penalizes uninsured driving with a $150 fee for the first 30 days lapsed, plus $7 for every subsequent day. A 60-day lapse costs you $360 before any reinstatement fees, and your insurer may charge a higher rate when you return.
If you own a Kia or Hyundai model built before 2022 without an engine immobilizer, check whether your insurer charges a surcharge. Several Maryland carriers added 10-15% comprehensive surcharges for these models after theft rates tripled in Prince George's County.
How to Get Cheap Car Insurance in Suitland
Compare at Least 5 Quotes
Suitland rates differ by up to $550 per six months between Travelers ($962) and Allstate ($1,512). Request quotes from Travelers, GEICO, State Farm, Nationwide, and Progressive at minimum before choosing a policy.
Bundle Home and Auto
Combining renters or homeowners insurance with your auto policy saves Suitland drivers an average of 15-20%. State Farm and Allstate both offer bundling discounts for Maryland residents.
Enroll in a Telematics Program
GEICO's DriveEasy and Progressive's Snapshot track your driving habits via smartphone. Safe Suitland drivers save an average of 10-15% after the first six-month evaluation period.
Raise Your Deductible
Increasing your collision deductible from $500 to $1,000 typically reduces your premium by 10-15%. For a Suitland driver paying $1,247 every six months, that translates to $125-$187 in savings per policy period.
Ask About Maryland-Specific Discounts
Several carriers offer discounts for Maryland Good Driver credits, defensive driving course completion (5-10% off), and anti-theft device installation, which is especially relevant given Suitland's vehicle theft rate.
Maryland Minimum Insurance Requirements
Maryland is an at-fault state, meaning the driver who caused the accident pays for damages. Minimum coverage must include bodily injury liability, property damage liability, uninsured motorist protection, and at least $2,500 in Personal Injury Protection (PIP).
| Coverage Type | Maryland Minimum | Recommended for Suitland |
|---|---|---|
| Bodily Injury (per person) | $30,000 | $100,000 |
| Bodily Injury (per accident) | $60,000 | $300,000 |
| Property Damage | $15,000 | $100,000 |
| Uninsured Motorist (per person) | $30,000 | $100,000 |
| Uninsured Motorist (per accident) | $60,000 | $300,000 |
| Personal Injury Protection (PIP) | $2,500 | $10,000 |
Maryland's $15,000 property damage minimum barely covers the average vehicle value of $30,000 in Prince George's County. A single at-fault accident involving two vehicles could leave you personally liable for tens of thousands of dollars above the minimum. Carrying at least $50,000 in property damage coverage costs only a few extra dollars per month.
Maryland does not allow you to waive uninsured motorist coverage, unlike many other states. Your UM/UIM limits must match your liability limits exactly. Given that 14% of Maryland drivers carry no insurance, this mandatory protection matters especially in densely populated areas like Suitland.
Top Insurance Agents in Suitland, MD
Working with a local agent helps you navigate Maryland-specific discounts and coverage requirements. These agents serve Suitland and the surrounding Prince George's County area:
Frequently Asked Questions
Travelers offers the cheapest car insurance in Suitland at approximately $962 for a six-month full coverage policy ($160/month). GEICO comes in close at $989 per six months. Rates depend on your driving record, age, and vehicle, so compare quotes from both companies directly to confirm your specific rate.
Suitland's premiums run 24% above the Maryland state average for three main reasons: Prince George's County ranks among the top three most expensive counties for insurance in Maryland; the area's motor vehicle theft rate of 1 in 77 residents is significantly above the national average; and high traffic density along MD-4, Auth Road, and I-495 increases accident frequency and claim costs.
Maryland requires 30/60/15 liability coverage ($30,000 per person and $60,000 per accident for bodily injury, $15,000 for property damage), uninsured motorist coverage at matching limits, and at least $2,500 in Personal Injury Protection (PIP). Maryland does not allow drivers to waive UM coverage, and lapses in coverage trigger fees starting at $150 for the first 30 days.
Yes. Maryland is one of a small group of states that mandates uninsured motorist coverage, and you cannot waive it. Your UM/UIM limits must match your liability limits exactly. With roughly 14% of Maryland drivers carrying no insurance, this protection covers you when an at-fault uninsured driver causes an accident.
Suitland drivers save the most by comparing at least 5 quotes, since rates range from $962 to $1,512 per six months across major insurers. Additional savings come from bundling home and auto (15-20% discount), enrolling in telematics programs like GEICO DriveEasy (10-15% off), raising your deductible from $500 to $1,000, and installing anti-theft devices to offset the area's high vehicle theft surcharges.
Methodology
The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.