Union Bridge Auto Insurance Rates, Quotes, Agents & Reviews in MD

Union Bridge, MD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Union Bridge, 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 Union Bridge, 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.


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

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

Union Bridge Westminster Libertytown New Windsor Woodsboro Taneytown
Average Insurance Rates $1,338 $1,362 $1,377 $1,369 $1,395 $1,364

Union Bridge, 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 Union Bridge, 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)
Union Bridge $1,117 $943
New Windsor $1,268 $1,071
Taneytown $1,600 $1,351
Libertytown $3,446 $2,911
Woodsboro $1,475 $1,246
Carroll County $1,338 $1,130
Westminster $1,377 $1,163
Walkersville $1,213 $1,025

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

Teenagers in Union Bridge, 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 $4,342
20 Years $1,719
30 Years $1,324
40 Years $1,274
50 Years $1,180
60 Years $1,196
70 Years $1,392

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

Car owners in Union Bridge, 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 $2,275 $401
3 Vehicles $3,412 $602
4 Vehicles $4,549 $803

Savings on 2 Vehicles bundle:$401

Savings on 3 Vehicles bundle:$602

Savings on 4 Vehicles bundle:$803


Union Bridge, 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 Union Bridge, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Union Bridge $1,338 $2,133
New Windsor $1,369 $2,183
Taneytown $1,364 $2,175
Libertytown $1,377 $2,195
Woodsboro $1,395 $2,224
Carroll County $1,402 $2,235
Westminster $1,362 $2,172
Walkersville $1,383 $2,205

Union Bridge, 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) $1,148
Excellent (740-799) $1,310
Good (670-739) $1,394
Average (580-669) $1,819
Poor (300-579) $2,182

Union Bridge, 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 +$59 $1,397
Driver's Failure In Showing Documents +$130 $1,468
Driving With An Expired Registration +$138 $1,476
Driving At A Considerably Slow Pace +$290 $1,628
Using A Cellphone While Driving +$306 $1,644
Running A Red Light +$312 $1,650
Speeding +$328 $1,666
Driving A Vehicle Without The Required Permission +$416 $1,754
Driving With An Expired/Suspended License +$902 $2,240

Union Bridge, 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 $1,284
Active Disabling Device $1,284
Tracking Device $1,258
Passive Disabling Device $1,244