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Cheap Auto Insurance Quotes in Hagerstown, MD (January 2022)

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Last Updated: January 2022

Car Insurance in Hagerstown, MD

The average cost of Maryland car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Hagerstown, MD to find you the cheapest quotes in the area.
$111
$118
$127
$165
$171
ProgressiveTravelersClearcoverSafecoElephant

Cheapest Car Insurance in Hagerstown, MD

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$209
$280
$242
$154
$196
$172
MarylandBaltimoreColumbiaGermantownSilver SpringHagerstown
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Hagerstown, MD Driving Facts

maryland

Minimum Car Insurance Requirements in MD

All motor vehicles operated or parked on Maryland roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Maryland are as follows:

  • $30,000 per person/$60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Maryland state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Maryland law.

  • $15,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Maryland is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage is required in Maryland. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Maryland, the legally required level of Uninsured Motorist coverage is:

  • $30,000 per person/$60,000 per accident for Bodily Injury
  • $15,000 per accident for Property Damage

Uninsured/underinsured motorist coverage is recommended in the state of Maryland through the forms of:

  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

Personal injury protection (PIP) coverage is also required in MarylandPIP can help cover medical costs after an accident for you and your passengers, regardless of fault. $2,500 is the minimum coverage required by Maryland law. 

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Insurify Insights: How Hagerstown Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Hagerstown, MD
suspended licenses
#7
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Hagerstown drivers measure up to their fellow Maryland motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Hagerstown

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Hagerstown drivers rank 31 in the number of car accidents per driver across all cities in Maryland.

  • Rank within state: #31
  • Percent of drivers in Hagerstown with an accident: 12.76%
  • Drivers in Hagerstown, MD with an accident in their driving history paid on average 58.9% more than drivers with a clean record

Speeding in Hagerstown

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Maryland, Hagerstown drivers rank 28 in the number of speeding infractions per driver.

  • Rank within state: #28
  • Percent of drivers in Hagerstown with a speeding ticket: 10.41%
  • Drivers in Hagerstown, MD with a speeding ticket in their driving history paid on average 68.71% more than drivers with a clean record

DUI/DWIs in Hagerstown

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Hagerstown drivers rank 35 in the number of DUI’s per driver across all cities in Maryland.

  • Rank within state: #35
  • Percent of drivers in Hagerstown with a DUI: 1.12%
  • Drivers in Hagerstown, MD with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Hagerstown

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Hagerstown is the Honda Accord.

Rude Drivers in Hagerstown

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Maryland, Hagerstown drivers rank 12 in rude driving infractions.

  • Rank within state: #12
  • Percent of drivers in Hagerstown with a reckless driving violation: 1.36%
  • Drivers in Hagerstown, MD with a reckless driving violation in their driving history paid on average 56.44% more than drivers with a clean record.

Safest Drivers in Hagerstown

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Hagerstown drivers rank 4 in clean driving records across all cities in Maryland.

  • Rank within state: #4
  • Percent of drivers in Hagerstown with clean record: 79.18%

Failure to Yield the Right of Way in Hagerstown

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Hagerstown drivers rank 6 in failure to yield violations per driver across all cities in Maryland.

  • Rank within state: #6
  • Percent of drivers in Hagerstown with a failure to yield violation: 0.37%
  • Drivers in Hagerstown, MD with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Hagerstown

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Maryland, Hagerstown drivers rank 3 in the number of reckless driving offenses per driver.

  • Rank within state: #3
  • Percent of drivers in Hagerstown with a reckless driving offense: 0.25%

Hybrid/Electric Vehicle Ownership in Hagerstown

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Hagerstown drivers rank 28 in hybrid and electric vehicle ownership across all cities in Maryland.

  • Rank within state: #28
  • Percent of drivers in Hagerstown with a hybrid/electric vehicle: 1.29%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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