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Get Cheap Car Insurance in Havre de Grace, MD

We monitor insurance prices, helping the average driver in Havre de Grace save up to 26.9% on car insurance.

 

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The Cheapest Minimum Coverage in Havre de Grace

The chart below shows the cheapest car insurance company in Havre de Grace 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.

 
Havre de Grace Insurer Monthly Cost
State Farm $88
Erie Insurance $89
Travelers $101
Safeco Insurance $105

Savings for Every Kind of Havre de Grace Driver

The table shows how much the average auto insurance customer in Havre de Grace might save by following our recommendations.

Based on our extensive insurance data, we know the average Havre de Grace 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 $352 per year by choosing the right vehicle insurance company. Some Havre de Grace residents are paying out over $1,890 extra every year for auto insurance in Havre de Grace. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Havre de Grace, MD Savings / Yr.
Drivers with good records
$352
Drivers with accidents
$331
Drivers with speeding tickets
$385
Drivers with a DUI conviction
$620
Young drivers
$1,193
Married drivers
$213
Drivers with bad credit
$833

Havre de Grace Car Insurance vs. Maryland

People living in Havre de Grace pay an average of 2.01% more than the typical driver in the state. The average driver in Havre de Grace can expect to pay about $1,288 per year, or $1,890 for full coverage.

Based on our analysis, MetLife will be the cheapest provider in Havre de Grace for most people.

Car Insurance Prices by Havre de Grace Neighborhood

Havre de Grace, MD map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Havre de Grace?

The map shows insurance prices in and around Havre de Grace, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $293 per year within the city boundaries, with insurance premiums ranging from a high of $2,047 to a low of $1,754. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Northwest parts of Havre de Grace.

Pick the Best Car Insurance Company for You in Havre de Grace

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Havre de Grace insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Havre de Grace

For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $352 over the average Havre de Grace car insurance company.

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We use the average good driver, paying $128 per month, as our baseline for pricing in Havre de Grace. Geico, Travelers, and MetLife are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Havre de Grace drivers with accidents on their records

In Havre de Grace getting into an accident will raise premiums an average 25% for a yearly cost of $2,524. That's $633 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Erie Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $331 over the competition.

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The best car insurance company for Havre de Grace drivers with speeding tickets

>Erie Insurance gave the average person with a speeding ticket the most savings, averaging $385 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Havre de Grace, tickets raise premiums on new quotes about $396. If you have a speeding ticket, we recommend State Farm, Geico, and Erie Insurance for savings that beat the average insurance cost of $2,286 per year.

The best auto insurance for Havre de Grace drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,704 per year in auto insurance premiums, which was $814 more than a driver with no major issues. Progressive, Travelers, and Erie Insurance penalized their customers the least for a DUI.

Getting a quote from Erie Insurance may cost the average person with a DUI about $620 less each year.

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The least expensive car insurance company for new and young drivers in Havre de Grace

In Havre de Grace, Erie Insurance costs young drivers $1,193 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 68% more for insurance than more mature drivers in Havre de Grace. With an average cost of $5,852 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Erie Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Havre de Grace

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $158. State Farm, Progressive, and Erie Insurance provided the largest discounts to couples living in Havre de Grace.

State Farm gave the largest car insurance discounts to married couples, averaging $213 saved each year compared to an average Havre de Grace couple's premiums.

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The cheapest car insurance in Havre de Grace for drivers with bad credit

People with poor credit saved an average of $833 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,207 every year. Premiums for people with poor credit were about $3,097 in Havre de Grace. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Progressive, and Safe Auto.

The best Havre de Grace car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Havre de Grace, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Havre de Grace.

Nationwide was the best company for customer service in Havre de Grace according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Havre de Grace, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Havre de Grace. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Havre de Grace

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 21% of Havre de Grace residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Havre de Grace driver can expect to pay about $133 per month.

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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 Havre de Grace, 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.
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Auto Insurance Prices in and Around Havre de Grace

What Influences the Cost of Car Insurance in Havre de Grace?

On average, car insurance in Havre de Grace is more expensive than the rest of the state. These high 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 Havre de Grace 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 0 to 1 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Havre de Grace are about average 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.
  • Havre de Grace is a fairly densely populated area 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 Havre de Grace is $107 per month for minimum coverage and $158 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

Cities with Similar Populations

* Who is the average Havre de Grace driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Havre de Grace with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.