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

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

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

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

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

Hagerstown Funkstown St. James Paramount-Long Meadow Maugansville Halfway
Average Insurance Rates $1,017 $1,316 $1,360 $1,371 $1,342 $1,328

Hagerstown, 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 Hagerstown, 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)
Hagerstown $1,314 $1,110
Funkstown $1,096 $926
Halfway $1,368 $1,155
Paramount-Long Meadow $1,166 $985
Robinwood $1,393 $1,176
Fountainhead-Orchard Hills $1,376 $1,162
Maugansville $1,752 $1,480
St. James $1,617 $1,366

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

Teenagers in Hagerstown, 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 $3,300
20 Years $1,307
30 Years $1,006
40 Years $968
50 Years $897
60 Years $909
70 Years $1,058

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

Car owners in Hagerstown, 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 $1,749 $285
3 Vehicles $2,624 $427
4 Vehicles $3,498 $570

Savings on 2 Vehicles bundle:$285

Savings on 3 Vehicles bundle:$427

Savings on 4 Vehicles bundle:$570

Hagerstown, 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 Hagerstown, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Hagerstown $1,017 $1,621
Funkstown $1,316 $2,098
Halfway $1,328 $2,117
Paramount-Long Meadow $1,371 $2,186
Robinwood $1,373 $2,189
Fountainhead-Orchard Hills $1,361 $2,170
Maugansville $1,342 $2,140
St. James $1,360 $2,168

Hagerstown, 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) $873
Excellent (740-799) $996
Good (670-739) $1,060
Average (580-669) $1,383
Poor (300-579) $1,659

Hagerstown, 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
Dan Hall State Farm 816 Virginia Ave, Hagerstown, 21740-6256 240-420-AUTO
Matt Owens State Farm 18022 Maugans Ave, Hagerstown, 21740-1661 301-739-8100
Joe Wolf Allstate 19737 Leitersburg Pike, Hagerstown, 21742 (240) 420-3936
Venice Mundle-Harvey Allstate 18564 Office Park Dr, Gaithersburg, 20886 (301) 740-2302
Matthew Tucker Liberty Mutual 800 King Farm Blvd Ste 105, Rockville, 20850 1-301-881-9300
Ramona Jones-Mcclain Farmers 606 Main St, Reisterstown, 21136 (443) 660-7131
Early Cassidy & Schilling Inc Travelers 15200 OMEGA DR STE 100, ROCKVILLE, 20850 301-229-3400
Barry Stocks Farmers 22 N Mulberry St Ste 120, Hagerstown, 21740 (301) 302-0680
Roger Thomas Mulligan Erie 23200 Brewers Tavern Way, Clarksburg, 20871 None
Passauer & Miller Ins Inc Erie 3215 Main Street, Manchester, 21102 None

Hagerstown, 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 +$45 $1,062
Driver's Failure In Showing Documents +$99 $1,116
Driving With An Expired Registration +$105 $1,122
Driving At A Considerably Slow Pace +$221 $1,238
Using A Cellphone While Driving +$233 $1,250
Running A Red Light +$237 $1,254
Speeding +$249 $1,266
Driving A Vehicle Without The Required Permission +$316 $1,333
Driving With An Expired/Suspended License +$685 $1,702

Hagerstown, 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 $976
Active Disabling Device $976
Tracking Device $956
Passive Disabling Device $946

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

State Farm
I would recommend this company because they are fast and offer the greatest discounts. If you want a company that wants to help and make your life easy, they are the choice.
State Farm
its premium and deductible policies are cheap compared to other insurance companies with policies tat offer great varieties to choose from and great discounts.
Perfectly reasonable for the amount that they cover. A no fault accident doesn't affect their rates. Phenomenal prices for amazing coverage.
I recommend USAA to anyone. They offer competitive rates and do not hike up your premium after one claim. It is easy to pay online and they offer easy to file claims.
This Auto insurance company offers nothing new, or innovative, when compared to any other insurance company in the U.S. High monthly payments, for nothing in return.
i recommend to others because it will give attention when we have any queries
I was in shock when I purchased a new (used) car and how high my premium went. I was very disappointed.
I was in shock when I purchased a new (used) car and how high my premium went. I was very disappointed.
USAA offers many policy offerings to their customers. I am completely satisfied with my current policy offerings. I used to be with State Farm and feel that USAA has more policy offerings compared to them. I also have my wife on our USAA plan.
The interaction is excellent. The website is well organized and can find the information quickly and then the customer service is excellent.
State Farm
The customer support for this provider could be a lot better, they aren't as accessible as I would appreciate. When I call them, some days it takes several attempts to reach them.