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.
Top 5 car insurance companies Cumberland, MD
The average cost of car insurance in Cumberland, MD is $1,291. This cost is lower than most of the neighboring locations like Bowling Green, La Vale, Bowmans Addition, Ridgeley, and Corriganville. Car owners in Cumberland, MD can save more on insurance costs by comparing multiple quotes from different auto insurance companies. The cost of auto insurance depends on numerous factors ranging from the car’s make and model to the driver’s age. Below is a list by Zimlon of five top auto insurance companies in Cumberland, MD.
GEICO:
GEICO is in the first position with 1,289,470 direct premiums written and 1,265,098 direct premiums earned. The market share of GEICO in Maryland is 24.82 %. Geico’s car insurance costs can vary depending on various factors like the age of the driver, annual mileage, coverage type, driver’s credit scores, and driving record.
Statefarm:
Statefarm is in the second position with 967,626 direct premiums written and 973,437 direct premiums earned. The market share of Statefarm in Maryland is 18.62 %. Car owners in Cumberland, MD can get various discounts from Statefarm insurance like good student discounts, good driving discounts, passive restrain discounts, and vehicle safety discounts.
Allstate:
Allstate is in the third position with 611,327 direct premiums written and 603,877 direct premiums earned. The market share of Allstate in Maryland is 11.77 %. Allstate provides various discounts as well as safe driver rewards to car owners in Cumberland, MD.
USAA:
USAA is in the fourth position with 471,969 direct premiums written and 461,907 direct premiums earned. The market share of USAA in Maryland is 9.08 %. Car owners in Cumberland, MD can get up to 10% off with USAA if they opt for bundle insurance policies and ensure their home or renters insurance premium along with auto insurance.
Erie Insurance:
Erie Insurance company is in the fifth position with 416,530 direct premiums written and 397,044 direct premiums earned. The market share of Erie Insurance in Maryland is 8.02 %. For car owners in Cumberland, MD, Erie auto insurance offers car insurance with several optional add-ons like pet coverage, windshield repair, and locksmith services.
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 Rates
- Cumberland, MD Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Cumberland, MD
- Multi Vehicle Insurance Savings in Cumberland, MD
- How Credit Score Affects Car Insurance Rates in Cumberland, MD
- How DUI Affects Auto Insurance Premiums in Cumberland, MD
- Top Auto Insurance Agents Near Cumberland, MD
- How Driving Violations Affect Auto Insurance Rates in Cumberland, MD
- Cumberland, MD Auto Insurance Discounts on Anti Theft Feature
- Cumberland, MD Auto Insurance Company Reviews
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
AaaI 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.
AaaI 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 FarmThe pricing is great for my area and they have literally saved me thousands on car insurance
UsaaDoesn'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