Table of contents
How much is car insurance in Hagerstown?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Maryland, coverage in Hagerstown is about $48 a month cheaper.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Hagerstown is rather affordable. It's about $8 cheaper to insure your vehicle in Hagerstown compared to the average rate for the U.S. as a whole.
Bear in mind that while these rates represent the expected monthly payments for drivers in Hagerstown, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rate for Hagerstown residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates rise again in Hagerstown.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Hagerstown, male drivers pay about $4 more a month. Based on the chart above, you can see that male drivers pay $74 on average, while female drivers typically pay $70 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Hagerstown with one accident will pay around $101 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $110.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$84|
|15 Years or Older||$72|
In terms of affordable coverage, the cheapest vehicles to insure in Hagerstown are by and large trucks and vans, at $64 per month.
Car owners will see a monthly rate of about $73, while SUV owners usually pay around $72 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Hagerstown are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$78|
Generally, those who are currently married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The cost of auto insurance in Hagerstown reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
Your living situation is another component of how insurance companies calculate your monthly rate. Drivers who own property in Hagerstown can expect to pay around $15 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Hagerstown, MD
Recent trends in car insurance for Hagerstown drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
The cost of car insurance in Hagerstown increased from 2016-2019, before leveling out in 2020. Policy premiums finished up in 2021, at $93 a month
How does Hagerstown compare to neighboring areas?
Why are car insurance rates in Hagerstown different from other areas?
There are numerous factors car insurance companies will consider when figuring out how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Regional regulations
- Prevalence of crime
- Road Safety (how many accidents each locality has)
- Total drivers
- Off-street parking accessibility
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Hagerstown?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer coverage in Hagerstown.
Hagerstown Insurance FAQs
What factors affect car insurance quotes in Hagerstown?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Hagerstown different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Hagerstown?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Hagerstown?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Hagerstown or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?