Cheapest Car Insurance Quotes in Hagerstown

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Hagerstown Car Insurance

^$ 19

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 Hagerstown

The car insurance rate in Hagerstown is $614 for a six-month policy, which is $53 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $372, making it a popular choice for budget-conscious drivers. Rates in Hagerstown 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.

Avg. Car Insurance in Hagerstown

$614

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Hagerstown

1st place: AutoOwners Insurance Co

At $372 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 $377 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $470 for six months, making it the third cheapest auto insurance company in Hagerstown.

Hagerstown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hagerstown, IN is AutoOwners Insurance Co, offering policies at just $372 for a six-month term. This is followed by Westfield, which has an average six-month premium of $377.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1137 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hagerstown drivers find the best deals.

Cheap Car Insurance Companies in Hagerstown, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$372	$62
Westfield	$377	$64
Nationwide	$470	$79
American Family	$487	$82
USAA	$519	$87
Hastings Mutual	$524	$88
Travelers	$580	$98
Hastings Insurance	$591	$100
Progressive	$606	$102
Auto-Owners	$628	$106
State Farm	$842	$142
Farm Bureau	$847	$144
Allstate	$1137	$191

Key Takeaways

Way's key takeaways about car insurance in Hagerstown

The auto insurance costs in Hagerstown fall around $372 for six months.
The cheapest auto insurance company in Hagerstown is Westfield.
Teen drivers pay the highest rate in Hagerstown at $505 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Hagerstown

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 Hagerstown are given below.

Westfield provides the cheapest minimum car insurance coverage in Hagerstown. Their Average 6 Month Premium is $115. Farmers is the most expensive at $208 for the same period.

Cheapest Liability Coverage in Hagerstown, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$115	$19
USAA	$147	$25
Auto-Owners Insurance Co	$153	$26
Hastings Mutual	$164	$28
Indiana Farmers	$169	$29
American Family	$186	$31
Auto-Owners	$186	$31
Progressive	$197	$33
Grange	$202	$34
Travelers	$208	$35
SafeAuto	$224	$38
State Farm	$240	$40
Farm Bureau	$273	$47
Allstate	$448	$75
Farmers	$208	$35

Cheapest Full Coverage Car Insurance in Hagerstown

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 Hagerstown is AutoOwners Insurance Co at $62 per month and $372 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hagerstown, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$372	$62
Westfield	$377	$64
Nationwide	$470	$79
American Family	$487	$82
USAA	$519	$87
Hastings Mutual	$524	$88
Travelers	$580	$98
Hastings Insurance	$591	$100
Progressive	$606	$102
Auto-Owners	$628	$106
State Farm	$842	$142
Farm Bureau	$847	$144
Allstate	$1137	$191

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Average Car Insurance in Hagerstown 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 Hagerstown, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in Hagerstown, Indiana, may be increasing due to several external factors. Indiana has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Hagerstown's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Hagerstown

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
30s	USAA	$395
40s	USAA	$370
50s	USAA	$350
60s	USAA	$364
70s	Buckeye Insurance Group	$389

Cheapest Car Insurance Rates for Teen Drivers in Hagerstown,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Hagerstown at $23 per month. At $2973 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$137	$23
Auto-Owners Insurance Co	$197	$33
Grange	$213	$36
USAA	$437	$74
Travelers	$661	$111
Progressive	$765	$129
American Family	$1333	$224
Auto-Owners	$1777	$296
State Farm	$1847	$314
Allstate	$2197	$366
Farm Bureau	$2973	$505

Teen Car Insurance Rates in IN by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Hagerstown.

As young drivers face the highest rates in Hagerstown, USAA offers the cheapest auto insurance rates at $395 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 Hagerstown, Westfield is the cheapest car insurance provider. At $219 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 Hagerstown is State Farm, offering rates of around $2684 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$219	$37
Nationwide	$257	$43
Grange	$273	$46
Travelers	$606	$102
Progressive	$639	$108
USAA	$699	$119
American Family	$749	$126
Allstate	$907	$153
Farm Bureau	$1727	$288
Auto-Owners	$1864	$316
State Farm	$2684	$447

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Car Insurance Rates with An Accident in Hagerstown

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 Hagerstown, IN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Hagerstown

The cheapest car insurance companies after an at-fault accident in Hagerstown include AutoOwners Insurance Co and Indiana Farmers, offering $213 and $219, respectively. Allstate is an expensive provider with an average six-month premium of $1809.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$213	$36
Indiana Farmers	$219	$37
Grange	$240	$40
Farmers	$279	$48
USAA	$372	$63
Travelers	$431	$73
Auto-Owners	$443	$75
Progressive	$476	$80
State Farm	$508	$86
American Family	$694	$117
Farm Bureau	$1262	$211
Allstate	$1809	$307

Hagerstown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hagerstown IN. For example, the car insurance in Hagerstown after a DUI increases to $694 for a six month policy. While the rate increases by $170 for a six-month policy in the case of a speeding ticket.

Hagerstown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$754	$126
One Med/PIP claim	$754	$128
Not-at-fault accident	$798	$133
Two Med/PIP claims	$809	$137
One comp claim	$814	$136
Failure to show documents	$853	$145
Failure to wear a seat belt	$858	$143
Two comp claims	$864	$147
Child safety restraint	$874	$145
Driving without lights	$874	$149
Driving with expired registration	$907	$151
Speeding 6 - 10 MPH over limit	$924	$157
Driving too slowly	$929	$155
Failure to yield	$929	$158
Following too closely	$929	$155
Illegal turn	$929	$158
Speeding in school zone	$929	$155
Cell phone violation	$935	$159
Speeding 11 - 15 MPH over limit	$935	$155
Texting while driving	$935	$159
Wrong way/wrong lane	$935	$155
Failure to stop at a red light	$940	$160
Improper passing	$946	$157
Speeding 16 - 20 MPH over limit	$946	$161
At-fault accident - less than $1000	$957	$159
Passing school bus	$972	$166
Speeding 21 - 25 MPH over limit	$1022	$170
At-fault accident - $1000-$2000	$1054	$179
In 65 MPH zone	$1071	$178
At-fault accident - greater than $2000	$1076	$183
Operating a vehicle without permission	$1153	$192
Open container	$1164	$198
Racing	$1415	$236
Reckless driving	$1420	$242
Refusal to submit to a chemical test	$1437	$239
DUI	$1448	$247
Leaving scene of an accident/hit and run	$1476	$246
Driving with a suspended license	$1487	$253

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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 Hagerstown 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 Hagerstown.

The cheapest car insurance premiums in Hagerstown are offered by Grange at $339 for a six-month policy. However, it can be as expensive as $1727 with companies like Hastings Mutual.

Hagerstown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$339	$56
Travelers	$454	$76
Progressive	$492	$83
USAA	$541	$91
American Family	$754	$127
State Farm	$880	$148
Farm Bureau	$1006	$169
Allstate	$1049	$177
Auto-Owners	$1415	$238
Hastings Mutual	$1727	$293

Cheapest car insurance after a speeding ticket

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 Hagerstown are offered by Westfield at $142. However, it can be as expensive as $1415 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hagerstown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$142	$24
Auto-Owners Insurance Co	$197	$33
State Farm	$431	$73
Travelers	$470	$79
USAA	$481	$82
American Family	$492	$83
Progressive	$513	$86
Auto-Owners	$661	$110
Farm Bureau	$1017	$173
Allstate	$1415	$236

Car Insurance Price Trends in Hagerstown, Indiana

Car insurance rates in Hagerstown have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Hagerstown remained steady at $123 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Hagerstown remained steady at $36 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Hagerstown?

The car insurance in Hagerstown is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Hagerstown?

The cheapest car insurance in Hagerstown is $62 per month for full coverage.

How much is car insurance in Hagerstown for teenagers?

Car insurance for teenagers costs $137 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 Hagerstown?

The average cost of car insurance is $667 for a six-month policy. It will cost around $103 per month to insure your car in Hagerstown.

Is car insurance expensive in Hagerstown?

Car insurance can be expensive in Hagerstown if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Hagerstown can be affordable.

Cheapest Car Insurance Quotes in Hagerstown

Why you can trust Way?

How Much Is Car Insurance in Hagerstown

Avg. Car Insurance in Hagerstown

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Hagerstown

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

Hagerstown Car Insurance Rates by Company

Cheap Car Insurance Companies in Hagerstown, IN

Way's key takeaways about car insurance in Hagerstown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hagerstown

Cheapest Liability Coverage in Hagerstown, IN

Cheapest Full Coverage Car Insurance in Hagerstown

Cheapest Full Coverage Car Insurance Quotes in Hagerstown, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hagerstown by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Hagerstown, IN increasing?

Car Insurance Premiums by Age in Hagerstown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hagerstown,IN

If you are in your twenties USAA is the best choice for car insurance in Hagerstown.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Hagerstown

Cheapest Car Insurance Companies after an At-Fault Accident in Hagerstown

Hagerstown Car Insurance Rates by Violation

Hagerstown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hagerstown after a DUI

Hagerstown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hagerstown after Speeding ticket

Car Insurance Price Trends in Hagerstown, Indiana

Average Car Insurance Cost in Hagerstown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hagerstown, IN

Car Insurance Rates by State in the USA (2025 Update)

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