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

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

Zimlon, through its research, found that car owners in Fairplay, 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 Fairplay, 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.


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

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

Fairplay Downsville Bakersville Keedysville Tilghmanton Mercersville
Average Insurance Rates $1,371 $1,378 $1,845 $1,377 $1,346 $1,411

Fairplay, 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 Fairplay, 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)
Fairplay $1,397 $1,180
Tilghmanton $1,355 $1,145
Breathedsville $1,965 $1,660
Bakersville $1,900 $1,605
St. James $1,617 $1,366
Mercersville $1,309 $1,106
Downsville $1,401 $1,183
Keedysville $1,510 $1,275

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

Teenagers in Fairplay, 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 $4,449
20 Years $1,762
30 Years $1,357
40 Years $1,305
50 Years $1,209
60 Years $1,226
70 Years $1,427

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

Car owners in Fairplay, 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 $2,386 $356
3 Vehicles $3,578 $535
4 Vehicles $4,771 $713

Savings on 2 Vehicles bundle:$356

Savings on 3 Vehicles bundle:$535

Savings on 4 Vehicles bundle:$713


Fairplay, 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 Fairplay, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Fairplay $1,371 $2,186
Tilghmanton $1,346 $2,146
Breathedsville $1,908 $3,042
Bakersville $1,845 $2,942
St. James $1,360 $2,168
Mercersville $1,411 $2,250
Downsville $1,378 $2,197
Keedysville $1,377 $2,195

Fairplay, 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) $1,176
Excellent (740-799) $1,343
Good (670-739) $1,429
Average (580-669) $1,864
Poor (300-579) $2,236

Fairplay, 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
Adams Insurance Agency Inc. Nationwide 474 Prospect Blvd, Frederick, 21701-6400 (301) 662-0340
Charles A Henson Nationwide 1185 Mt Aetna Rd, Hagerstown, 21740 (301) 791-2122
Santucci Insurance Inc Liberty Mutual Independent 3 COLLEGE AVE STE 6, FREDERICK, 21701 (301) 668-8500
Steve Swayne State Farm 63 W Franklin St, Hagerstown, 21740-4816 301-791-3384
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Ewing Hines & Associates Erie 3750 University Blvd W Suite 1a, Kensington, 20895 None
Randy Mcphillips Allstate 6844 Olney Laytonsville Rd, Laytonsville, 20882 (301) 315-8300
Gary L. Wright Allstate 1466 S Potomac St, Hagerstown, 21740 (301) 733-4400
Iii-Zemel Ins Agency Llc Travelers 18516 OFFICE PARK DR, GAITHERSBURG, 20879 301-840-7283

Fairplay, 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 +$60 $1,431
Driver's Failure In Showing Documents +$133 $1,504
Driving With An Expired Registration +$141 $1,512
Driving At A Considerably Slow Pace +$298 $1,669
Using A Cellphone While Driving +$314 $1,685
Running A Red Light +$319 $1,690
Speeding +$336 $1,707
Driving A Vehicle Without The Required Permission +$426 $1,797
Driving With An Expired/Suspended License +$924 $2,295

Fairplay, 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 $1,316
Active Disabling Device $1,316
Tracking Device $1,289
Passive Disabling Device $1,275