Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Emmitsburg, MD
We monitor insurance prices, helping the average driver in Emmitsburg save up to 26.9% on car insurance.
The Cheapest Minimum Coverage in Emmitsburg
The chart below shows the cheapest car insurance company in Emmitsburg for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Erie Insurance, Travelers, and Safeco Insurance.
| Emmitsburg Insurer | Monthly Cost |
|---|---|
| State Farm | $80 |
| Erie Insurance | $81 |
| Travelers | $93 |
| Safeco Insurance | $96 |
Savings for Every Kind of Emmitsburg Driver
Based on our extensive insurance data, we know the average Emmitsburg driver will save about 19% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $323 per year by choosing the right vehicle insurance company. Some Emmitsburg residents are paying out over $1,735 extra every year for auto insurance in Emmitsburg. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Emmitsburg, MD Savings / Yr. |
|---|---|
$323 |
|
$303 |
|
$353 |
|
$569 |
|
$1,094 |
|
$196 |
|
$765 |
Emmitsburg Car Insurance vs. Maryland
People living in Emmitsburg pay an average of 6.38% less than the typical driver in the state. The average driver in Emmitsburg can expect to pay about $1,182 per year, or $1,735 for full coverage.
Based on our analysis, MetLife will be the cheapest provider in Emmitsburg for most people.
Car Insurance Prices by Emmitsburg Neighborhood
Insurance Prices
Where is insurance cheapest within Emmitsburg?
The map shows insurance prices in and around Emmitsburg, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $212 per year within the city boundaries, with insurance premiums ranging from a high of $1,899 to a low of $1,687. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Southwest parts of Emmitsburg.Pick the Best Car Insurance Company for You in Emmitsburg
The best car insurance provider for most drivers in Emmitsburg
For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $323 over the average Emmitsburg car insurance company.
The best car insurance provider for Emmitsburg drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $303 over the competition.
The best car insurance company for Emmitsburg drivers with speeding tickets
>Erie Insurance gave the average person with a speeding ticket the most savings, averaging $353 better than other car insurance companies.
The best auto insurance for Emmitsburg drivers with a DUI conviction
Getting a quote from Erie Insurance may cost the average person with a DUI about $569 less each year.
The least expensive car insurance company for new and young drivers in Emmitsburg
In Emmitsburg, Erie Insurance costs young drivers $1,094 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Emmitsburg
State Farm gave the largest car insurance discounts to married couples, averaging $196 saved each year compared to an average Emmitsburg couple's premiums.
The cheapest car insurance in Emmitsburg for drivers with bad credit
The best Emmitsburg car insurance company for customer service
Nationwide was the best company for customer service in Emmitsburg according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Emmitsburg, which was better than other insurers.
The cheapest large national provider in Emmitsburg
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Emmitsburg driver can expect to pay about $133 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Emmitsburg, USAA has the best prices for drivers with a DUI conviction, drivers with bad credit, drivers with accidents, married couples, drivers with speeding tickets, young drivers, and good drivers.Auto Insurance Prices in and Around Emmitsburg
What Influences the Cost of Car Insurance in Emmitsburg?
On average, car insurance in Emmitsburg is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Emmitsburg is 36 minutes, which is a little less than average for a driver in the state.
- Maryland state insurance regulations may require higher prices.
- An average of 3 to 4 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Emmitsburg are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Emmitsburg is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Emmitsburg is $99 per month for minimum coverage and $145 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Motters: Insurance costs 1.90% more
- Fairplay: Insurance costs 26.11% less
- Carroll Valley: Insurance costs 25.88% less
- Middleburg: Insurance costs 0.40% more
- Fairfield: Insurance costs 25.71% less
- Rocky Ridge: Insurance costs 1.67% more
- Greenmount: Insurance costs 27.03% less
- Graceham: Insurance costs 1.33% less
- Harney: Insurance costs 2.65% more
- Sabillasville: Insurance costs 1.79% more
Cities with Similar Populations
- White: Insurance costs 2.54% more
- South Berwick: Insurance costs 45.01% less
- Apple Creek: Insurance costs 37.58% less
- Spring Grove: Insurance costs 13.26% less
- Sunset: Insurance costs 81.10% more
- Winthrop Harbor: Insurance costs 10.66% less
- Belle Fourche: Insurance costs 4.67% less
- Winterset: Insurance costs 28.88% less
- Winston: Insurance costs 20.81% less
- Standish: Insurance costs 45.48% less