Cumberland Auto Insurance Rates, Quotes, Agents & Reviews in MD

Cumberland, MD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Cumberland, MD, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Cumberland, MD are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Cumberland, MD Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Cumberland, MD with that of other cities in and around Cumberland.

Cumberland Bowling Green La Vale Bowmans Addition Ridgeley Corriganville
Average Insurance Rates $1,291 $2,139 $1,321 $2,018 $1,372 $1,312

Cumberland, MD Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Cumberland, MD based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Cumberland $1,921 $1,623
Ridgeley $1,396 $1,179
Carpendale $998 $843
Wiley Ford $1,066 $900
Bowmans Addition $2,749 $2,322
Bowling Green $1,135 $959
La Vale $1,533 $1,295
Corriganville $1,483 $1,253

Cumberland, MD Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Cumberland, MD usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,189
20 Years $1,659
30 Years $1,278
40 Years $1,229
50 Years $1,138
60 Years $1,154
70 Years $1,344

Cumberland, MD Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Cumberland, MD can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,221 $361
3 Vehicles $3,331 $542
4 Vehicles $4,441 $723

Savings on 2 Vehicles bundle:$361

Savings on 3 Vehicles bundle:$542

Savings on 4 Vehicles bundle:$723


Cumberland, MD Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Cumberland, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Cumberland $1,291 $2,058
Ridgeley $1,372 $2,194
Carpendale $1,439 $2,301
Wiley Ford $1,420 $2,271
Bowmans Addition $2,018 $3,217
Bowling Green $2,139 $3,410
La Vale $1,321 $2,106
Corriganville $1,312 $2,092

Cumberland, MD Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,108
Excellent (740-799) $1,264
Good (670-739) $1,345
Average (580-669) $1,755
Poor (300-579) $2,106

Cumberland, MD Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Kmk Insurance Agency Erie 63 HENDERSON AVE, CUMBERLAND, 21502 301-724-1013
Cathy Carpenter State Farm 1320 National Hwy, Lavale, 21502-7605 301-729-4141
Joseph Marsh Allstate 75 Greene St, Cumberland, 21502 (301) 729-4701
Workmeister Agency Allstate 139 N Centre St PO Box 410, Cumberland, 21502 (301) 724-3380
Terry Mclarney State Farm 850 N Mechanic St, Cumberland, 21502-2117 301-724-4900
Knippenberg Ins & Fin Srv Inc Nationwide 12676 National Pike STE 102, Grantsville, 21536-3320 (877) 621-1030
Harris Elliott Mackay Insurance Agency Travelers 83 EAST MAIN ST, FROSTBURG, 21532 301-689-6069
Close Ins Agency Allstate 134 W Main St, Hancock, 21750 (301) 678-5526

Cumberland, MD Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$57 $1,348
Driver's Failure In Showing Documents +$125 $1,416
Driving With An Expired Registration +$133 $1,424
Driving At A Considerably Slow Pace +$280 $1,571
Using A Cellphone While Driving +$296 $1,587
Running A Red Light +$301 $1,592
Speeding +$316 $1,607
Driving A Vehicle Without The Required Permission +$402 $1,693
Driving With An Expired/Suspended License +$870 $2,161

Cumberland, MD Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,239
Active Disabling Device $1,239
Tracking Device $1,214
Passive Disabling Device $1,201

Latest Auto Insurance Reviews in Cumberland, MD | Back to Top

Aaa
I recently submitted a request online to change my phone number through the company website. The request was handled promptly and professionally by the staff. I was very appreciative of the quick change with little hassle.
Aaa
I recently submitted a request online to change my phone number through the company website. The request was handled promptly and professionally by the staff. I was very appreciative of the quick change with little hassle.
State Farm
The pricing is great for my area and they have literally saved me thousands on car insurance
Usaa
Doesn't have real locations, but I have no intention of visiting them in person anyway so long as I pay my bill and keep driving