St. James Auto Insurance Rates, Quotes, Agents & Reviews in MD

St. James, MD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in St. James, 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 St. James, 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.


St. James, MD Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

St. James Tilghmanton Williamsport Funkstown Halfway Fairplay
Average Insurance Rates $1,360 $1,346 $1,317 $1,316 $1,328 $1,371

St. James, 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 St. James, 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)
St. James $1,617 $1,366
Breathedsville $1,965 $1,660
Fairplay $1,397 $1,180
Downsville $1,401 $1,183
Tilghmanton $1,355 $1,145
Halfway $1,368 $1,155
Funkstown $1,096 $926
Williamsport $1,098 $927

St. James, MD Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in St. James, 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 $4,413
20 Years $1,747
30 Years $1,346
40 Years $1,295
50 Years $1,199
60 Years $1,216
70 Years $1,415

St. James, MD Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in St. James, 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 $2,339 $381
3 Vehicles $3,509 $571
4 Vehicles $4,678 $762

Savings on 2 Vehicles bundle:$381

Savings on 3 Vehicles bundle:$571

Savings on 4 Vehicles bundle:$762


St. James, 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 St. James, MD.

Location Average Insurance Cost Post DUI Insurance Rate
St. James $1,360 $2,168
Breathedsville $1,908 $3,042
Fairplay $1,371 $2,186
Downsville $1,378 $2,197
Tilghmanton $1,346 $2,146
Halfway $1,328 $2,117
Funkstown $1,316 $2,098
Williamsport $1,317 $2,100

St. James, 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) $1,167
Excellent (740-799) $1,332
Good (670-739) $1,417
Average (580-669) $1,849
Poor (300-579) $2,218

St. James, 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
Terry Fincham Allstate 12805 Oak Hill Ave, Hagerstown, 21742 (301) 790-0100
Tim Panther State Farm 222 E Oak Ridge Dr Ste 1000, Hagerstown, 21740-7873 301-733-1712
Joel R Rice Nationwide 17345 Virginia Ave, Hagerstown, 21740-5385 (301) 582-2636
Gaye Mcgovern State Farm 11373 Robinwood Dr, Hagerstown, 21742-6706 301-790-1462
Jeffrey Burchman Liberty Mutual 800 King Farm Blvd Ste 105, Rockville, 20850 1-301-881-9300
Mcdole Edge Corporation Erie 2977B MANCHESTER RD, MANCHESTER, 21102 410-871-4700
Ins Brokers Of Maryland - Hagerstown Llc Travelers 13126 PENNSYLVANIA AVE, HAGERSTOWN, 21742 301-790-0652
Ross F. Porter Liberty Mutual 800 King Farm Blvd Ste 105, Rockville, 20850 1-301-881-9300
Zhicheng Lai Travelers 12443 FOREMAN BLVD, CLARKSBURG, 20871 240-780-9145
A L Howes Insurance Agency Inc. Erie 7537 Main Street, Sykesville, 21784 None

St. James, 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 $1,420
Driver's Failure In Showing Documents +$132 $1,492
Driving With An Expired Registration +$140 $1,500
Driving At A Considerably Slow Pace +$295 $1,655
Using A Cellphone While Driving +$311 $1,671
Running A Red Light +$317 $1,677
Speeding +$333 $1,693
Driving A Vehicle Without The Required Permission +$423 $1,783
Driving With An Expired/Suspended License +$917 $2,277

St. James, 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 $1,306
Active Disabling Device $1,306
Tracking Device $1,278
Passive Disabling Device $1,265