Cheapest Car Insurance Quotes in Hampstead

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Hampstead Car Insurance

^$ 49

/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 Hampstead

The car insurance rate in Hampstead is $1168 for a six-month policy, which is $36 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $721, making it a popular choice for budget-conscious drivers. Rates in Hampstead 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 Hampstead

$1168

Avg. Car Insurance in Maryland

$1204

National Average

$1278

Cheapest Car Insurance Companies in Hampstead

1st place: Kemper

At $721 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $795 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $829 for six months, making it the third cheapest auto insurance company in Hampstead.

Hampstead Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hampstead, MD is Kemper, offering policies at just $721 for a six-month term. This is followed by USAA, which has an average six-month premium of $795.

At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2322 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hampstead drivers find the best deals.

Cheap Car Insurance Companies in Hampstead, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$721	$122
USAA	$795	$134
Travelers	$829	$140
State Farm	$916	$154
Erie	$991	$167
Nationwide	$997	$168
Progressive	$1181	$199
Allstate	$1758	$293
Maryland Auto	$2322	$395

Key Takeaways

Way's key takeaways about car insurance in Hampstead

The auto insurance costs in Hampstead fall around $721 for six months.
The cheapest auto insurance company in Hampstead is USAA.
Teen drivers pay the highest rate in Hampstead at $1202 per month.

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Cheapest Minimum Liability Car Insurance in Hampstead

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 Hampstead are given below.

USAA provides the cheapest minimum car insurance coverage in Hampstead. Their Average 6 Month Premium is $294. Allstate is the most expensive at $922 for the same period.

Cheapest Liability Coverage in Hampstead, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$294	$49
Travelers	$392	$66
Kemper	$409	$68
Erie	$433	$73
State Farm	$437	$74
Nationwide	$547	$92
Progressive	$565	$95
Maryland Auto	$807	$137
Allstate	$922	$153

Cheapest Full Coverage Car Insurance in Hampstead

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 Hampstead is Kemper at $122 per month and $721 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hampstead, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$721	$122
USAA	$795	$134
Travelers	$829	$140
State Farm	$916	$154
Erie	$991	$167
Nationwide	$997	$168
Progressive	$1181	$199
Allstate	$1758	$293
Maryland Auto	$2322	$395

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Average Car Insurance in Hampstead 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 Hampstead, MD increasing?

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

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

Car Insurance Premiums by Age in Hampstead

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

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Cheapest Car Insurance Rates for Teen Drivers in Hampstead,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Hampstead at $72 per month. At $7214 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$433	$72
Erie	$1348	$227
Travelers	$1435	$242
USAA	$1470	$247
State Farm	$2189	$369
Progressive	$2575	$434
Maryland Auto	$3929	$655
Nationwide	$4298	$724
Allstate	$7214	$1202

Teen Car Insurance Rates in MD by Age

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 Hampstead, USAA is the cheapest car insurance provider. At $1037 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 Hampstead is Allstate, offering rates of around $2691 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1037	$173
Progressive	$1158	$195
Nationwide	$1509	$254
Travelers	$1948	$331
Maryland Auto	$2322	$387
Erie	$2449	$416
State Farm	$5319	$887
Allstate	$2691	$458

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Car Insurance Rates with An Accident in Hampstead

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 Hampstead, MD, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Hampstead include Erie and USAA, offering $824 and $841, respectively. Allstate is an expensive provider with an average six-month premium of $3175.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$824	$139
USAA	$841	$142
Travelers	$888	$149
State Farm	$997	$168
Progressive	$1187	$200
Nationwide	$1734	$292
Maryland Auto	$3036	$506
Allstate	$3175	$540

Hampstead Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hampstead MD. For example, the car insurance in Hampstead after a DUI increases to $1094 for a six month policy. While the rate increases by $253 for a six-month policy in the case of a speeding ticket.

Hampstead auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1164	$194
One Med/PIP claim	$1204	$205
Not-at-fault accident	$1250	$209
One comp claim	$1256	$213
Two Med/PIP claims	$1279	$213
Failure to wear a seat belt	$1319	$224
Failure to show documents	$1354	$226
Child safety restraint	$1366	$232
Two comp claims	$1366	$228
Driving with expired registration	$1400	$238
Cell phone violation	$1417	$237
Driving too slowly	$1417	$241
Failure to stop at a red light	$1417	$237
Failure to yield	$1417	$241
Following too closely	$1417	$237
Illegal turn	$1417	$241
Improper passing	$1417	$237
Speeding 11 - 15 MPH over limit	$1417	$241
Speeding 16 - 20 MPH over limit	$1417	$237
Speeding 6 - 10 MPH over limit	$1417	$241
Texting while driving	$1417	$237
Wrong way/wrong lane	$1417	$241
Speeding in school zone	$1435	$240
At-fault accident - less than $1000	$1464	$249
Passing school bus	$1470	$244
Driving without lights	$1475	$251
Open container	$1481	$246
Operating a vehicle without permission	$1498	$255
Speeding 21 - 25 MPH over limit	$1550	$258
In 65 MPH zone	$1694	$288
At-fault accident - $1000-$2000	$1746	$291
At-fault accident - greater than $2000	$1746	$297
Reckless driving	$1993	$333
Racing	$2144	$365
Driving with a suspended license	$2178	$363
Refusal to submit to a chemical test	$2247	$382
DUI	$2258	$376
Leaving scene of an accident/hit and run	$2276	$387

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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 Hampstead 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 Hampstead.

The cheapest car insurance premiums in Hampstead are offered by Erie at $692 for a six-month policy. However, it can be as expensive as $3416 with companies like Maryland Auto.

Hampstead car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$692	$116
Travelers	$951	$160
Progressive	$1279	$215
USAA	$1400	$236
Allstate	$1838	$307
State Farm	$2189	$369
Nationwide	$2996	$504
Maryland Auto	$3416	$581

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 Hampstead are offered by USAA at $709. However, it can be as expensive as $2351 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hampstead after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$709	$120
State Farm	$743	$125
Erie	$847	$143
Progressive	$1031	$174
Travelers	$1372	$233
Nationwide	$2207	$368
Maryland Auto	$2322	$395
Allstate	$2351	$392

Car Insurance Price Trends in Hampstead, Maryland

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

The average cost of full coverage in the Hampstead rose by $218 in January compared to $207 of December. In other words, there has been an increase by $11 when you compare January and December.

The average cost of liability insurance in the Hampstead rose to $76 in January, compared to $75 in December. This represents an increase of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Hampstead?

The car insurance in Hampstead is $49 per month, which is lower than the national average.

What is the cheapest car insurance in Hampstead?

The cheapest car insurance in Hampstead is $122 per month for full coverage.

How much is car insurance in Hampstead for teenagers?

Car insurance for teenagers costs $433 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 Hampstead?

The average cost of car insurance is $1204 for a six-month policy. It will cost around $196 per month to insure your car in Hampstead.

Is car insurance expensive in Hampstead?

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

Cheapest Car Insurance Quotes in Hampstead

Why you can trust Way?

How Much Is Car Insurance in Hampstead

Avg. Car Insurance in Hampstead

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Hampstead

1st place: Kemper

2nd place: USAA

3rd place: Travelers

Hampstead Car Insurance Rates by Company

Cheap Car Insurance Companies in Hampstead, MD

Way's key takeaways about car insurance in Hampstead

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hampstead

Cheapest Liability Coverage in Hampstead, MD

Cheapest Full Coverage Car Insurance in Hampstead

Cheapest Full Coverage Car Insurance Quotes in Hampstead, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hampstead by Rating Factor

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

Car Insurance Premiums by Age in Hampstead

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hampstead,MD

If you are in your twenties N/A is the best choice for car insurance in Hampstead.

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 Hampstead

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

Hampstead Car Insurance Rates by Violation

Hampstead auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hampstead after a DUI

Hampstead car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hampstead after Speeding ticket

Car Insurance Price Trends in Hampstead, Maryland

Average Car Insurance Cost in Hampstead by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hampstead, MD

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

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