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Finding the cheapest car insurance quotes in Hagarstown shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Hagarstown
The car insurance rate in Hagarstown is $860 for a six-month policy, which is $9 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $442, making it a popular choice for budget-conscious drivers. Rates in Hagarstown can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $442 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: Westfield
Westfield offers auto
insurance rates at $500 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Country Financial
Country Financial offers auto insurance
rates at $524
for six months, making it
the third cheapest auto insurance company in Hagarstown.
Hagarstown Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Hagarstown, IL is AutoOwners Insurance Co, offering policies at just $442 for a six-month term. This is followed by Westfield, which has an average six-month premium of $500.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $800 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hagarstown drivers find the best deals.
Way's key takeaways about car insurance in Hagarstown
The auto insurance costs in Hagarstown fall around $442 for six
months.
The cheapest auto insurance company in Hagarstown is Mercury.
Teen drivers pay the highest rate in Hagarstown at $57 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Hagarstown
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Hagarstown are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Hagarstown. Their Average 6 Month Premium is $148.
First Chicago is the most
expensive at $194 for the same
period.
Cheapest Full Coverage Car Insurance in Hagarstown
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Hagarstown is AutoOwners Insurance Co
at $75 per month and $442
for six months.
Cheapest Full Coverage Car Insurance Quotes in Hagarstown,
IL
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Average Car Insurance in Hagarstown by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Hagarstown, IL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Hagarstown, Illinois, may be increasing due to several external factors.
Illinois has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Hagarstown's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Hagarstown
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
Auto-Owners
$700
30s
Auto-Owners
$484
40s
Auto-Owners
$475
50s
Auto-Owners
$448
60s
Auto-Owners
$471
70s
Auto-Owners
$598
Cheapest Car Insurance Rates for Teen Drivers in
Hagarstown,IL
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Hagarstown at $32
per
month. At $336 for a six-month premium,
AAA offers the most expensive rate for
teen drivers.
If you are in your twenties AutoOwners is
the best choice for car
insurance in Hagarstown.
As young drivers face the highest rates in Hagarstown, AutoOwners
offers the cheapest auto insurance rates at $700 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Hagarstown,
Mercury is
the cheapest car insurance provider. At $224 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Hagarstown is State Farm, offering
rates of around $3076 for six
months.
Save up to $971/yr on car insurance rates in Hagarstown.
Car Insurance Rates with An Accident in Hagarstown
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Hagarstown, IL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Hagarstown
The cheapest car insurance companies after an at-fault accident in
Hagarstown include AutoOwners Insurance Co
and Westfield, offering $247
and $252,
respectively. Hastings Mutual is an expensive provider
with an average six-month premium of
$294.
Here is a list of driving violations that can increase your car
insurance rates in Hagarstown IL. For example, the car
insurance in Hagarstown
after a DUI increases to $812 for a six
month policy. While the rate increases by $218 for a six-month policy in the case of
a speeding ticket.
Hagarstown auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$970
$161
One Med/PIP claim
$976
$166
Not-at-fault accident
$1030
$171
One comp claim
$1052
$179
Two Med/PIP claims
$1052
$175
Failure to wear a seat belt
$1129
$192
Driving without lights
$1140
$190
Child safety restraint
$1146
$195
Two comp claims
$1146
$191
Failure to show documents
$1164
$198
Speeding 6 - 10 MPH over limit
$1188
$198
Driving with expired registration
$1194
$203
Speeding 11 - 15 MPH over limit
$1218
$203
Driving too slowly
$1224
$208
Failure to yield
$1224
$204
Illegal turn
$1224
$208
At-fault accident - less than $1000
$1235
$206
Failure to stop at a red light
$1235
$210
Following too closely
$1235
$206
Speeding 16 - 20 MPH over limit
$1240
$211
Speeding in school zone
$1240
$207
Improper passing
$1246
$212
Wrong way/wrong lane
$1246
$208
Cell phone violation
$1270
$216
Texting while driving
$1270
$212
Passing school bus
$1282
$218
In 65 MPH zone
$1288
$215
Speeding 21 - 25 MPH over limit
$1300
$221
Operating a vehicle without permission
$1324
$221
At-fault accident - $1000-$2000
$1406
$239
At-fault accident - greater than $2000
$1429
$239
Open container
$1476
$251
Reckless driving
$1712
$285
Racing
$1729
$294
Driving with a suspended license
$1764
$294
Refusal to submit to a chemical test
$1776
$302
DUI
$1782
$297
Leaving scene of an accident/hit and run
$1800
$306
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Hagarstown after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Hagarstown.
The cheapest car insurance premiums in
Hagarstown are
offered by Mercury at $224 for a six-month policy.
However, it can be as
expensive as $2523 with companies
like Farmers.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Hagarstown are offered by Westfield
at $188. However,
it can be as expensive as $4622
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Hagarstown after Speeding ticket
Car Insurance Price Trends in Hagarstown,
Illinois
Car insurance rates in Hagarstown have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Hagarstown rose by
$191 in December
compared to $189 of November. In other words, there has been an increase by $2 when you
compare December and November.
The average cost of liability insurance in the Hagarstown rose to $52 in December,
compared to $50 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Hagarstown by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Hagarstown. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Hagarstown?
The car insurance in Hagarstown is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Hagarstown?
The cheapest car insurance in Hagarstown
is $75 per month
for full coverage.
How much is car insurance in Hagarstown for teenagers?
Car insurance for teenagers costs $188 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Hagarstown?
The average cost of car insurance is $869 for a six-month
policy. It will cost around $144 per month to insure your
car in Hagarstown.
Is car insurance expensive in Hagarstown?
Car insurance can be expensive in Hagarstown if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Hagarstown can be
affordable.
What is the best car insurance in Hagarstown,
IL?
The best car insurance company in Hagarstown
IL is
AutoOwners Insurance Co, offering $442 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Hagarstown, IL
Car Insurance Rates by State in the USA (2025 Update)
Hagarstown Car Insurance
