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Get Cheap Car Insurance in Hagerstown, MD
We monitor insurance prices, helping the average driver in Hagerstown save up to 26.9% on car insurance.
The Cheapest Minimum Coverage in Hagerstown
The chart below shows the cheapest car insurance company in Hagerstown 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.
| Hagerstown Insurer | Monthly Cost |
|---|---|
| State Farm | $85 |
| Erie Insurance | $86 |
| Travelers | $98 |
| Safeco Insurance | $102 |
Savings for Every Kind of Hagerstown Driver
Based on our extensive insurance data, we know the average Hagerstown 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 $341 per year by choosing the right vehicle insurance company. Some Hagerstown residents are paying out over $1,831 extra every year for auto insurance in Hagerstown. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Hagerstown, MD Savings / Yr. |
|---|---|
$341 |
|
$320 |
|
$372 |
|
$601 |
|
$1,155 |
|
$207 |
|
$807 |
Hagerstown Car Insurance vs. Maryland
People living in Hagerstown pay an average of 1.20% less than the typical driver in the state. The average driver in Hagerstown can expect to pay about $1,248 per year, or $1,831 for full coverage.
Based on our analysis, MetLife will be the cheapest provider in Hagerstown for most people.
Car Insurance Prices by Hagerstown Neighborhood
Insurance Prices
Where is insurance cheapest within Hagerstown?
The map shows insurance prices in and around Hagerstown, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $419 per year within the city boundaries, with insurance premiums ranging from a high of $2,089 to a low of $1,670. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northeast parts of Hagerstown.Pick the Best Car Insurance Company for You in Hagerstown
The best car insurance provider for most drivers in Hagerstown
For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $341 over the average Hagerstown car insurance company.
The best car insurance provider for Hagerstown 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 $320 over the competition.
The best car insurance company for Hagerstown drivers with speeding tickets
>Erie Insurance gave the average person with a speeding ticket the most savings, averaging $372 better than other car insurance companies.
The best auto insurance for Hagerstown drivers with a DUI conviction
Getting a quote from Erie Insurance may cost the average person with a DUI about $601 less each year.
The least expensive car insurance company for new and young drivers in Hagerstown
In Hagerstown, Erie Insurance costs young drivers $1,155 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Hagerstown
State Farm gave the largest car insurance discounts to married couples, averaging $207 saved each year compared to an average Hagerstown couple's premiums.
The cheapest car insurance in Hagerstown for drivers with bad credit
The best Hagerstown car insurance company for customer service
Nationwide was the best company for customer service in Hagerstown according to the NAIC.
Recent price drops
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The cheapest large national provider in Hagerstown
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Hagerstown 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 Hagerstown, 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 Hagerstown
What Influences the Cost of Car Insurance in Hagerstown?
On average, car insurance in Hagerstown 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 Hagerstown is 34 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 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Hagerstown are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- Hagerstown 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 Hagerstown is $104 per month for minimum coverage and $153 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
- Funkstown: Insurance costs 5.84% less
- Halfway: Insurance costs 2.51% less
- Fountainhead-Orchard Hills: Insurance costs 2.35% less
- Maugansville: Insurance costs 1.04% less
- St. James: Insurance costs 0.76% less
- Cearfoss: Insurance costs 1.58% less
- Williamsport: Insurance costs 6.44% less
- State Line: Insurance costs 31.13% less
- Jugtown: Insurance costs 6.34% less
- Wilson-Conococheague: Insurance costs 5.79% less
Cities with Similar Populations
- Green Bay: Insurance costs 38.83% less
- Greenville: Insurance costs 10.81% less
- Greer: Insurance costs 10.49% less
- Gresham: Insurance costs 2.84% less
- Greenwood: Insurance costs 33.32% less
- Hampton: Insurance costs 30.42% less
- Hamilton: Insurance costs 37.30% less
- Greensboro: Insurance costs 31.29% less
- Gainesville: Insurance costs the same
- Franklin: Insurance costs 24.14% less