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Finding the cheapest car insurance quotes in Harmans 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 Harmans
The car insurance rate in Harmans is $1067 for a six-month policy, which is $51 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $780, making it a popular choice for budget-conscious drivers. Rates in Harmans 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 $780 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $842 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: State Farm
State Farm offers auto insurance
rates at $861
for six months, making it
the third cheapest auto insurance company in Harmans.
Harmans Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Harmans, MD is Kemper, offering policies at just $780 for a six-month term. This is followed by USAA, which has an average six-month premium of $842.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1996 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Harmans drivers find the best deals.
Way's key takeaways about car insurance in Harmans
The auto insurance costs in Harmans fall around $780 for six
months.
The cheapest auto insurance company in Harmans is USAA.
Teen drivers pay the highest rate in Harmans at $1402 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 Harmans
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 Harmans are given below.
USAA provides
the cheapest minimum car insurance
coverage in Harmans. Their Average 6 Month Premium is $312.
Allstate is the most
expensive at $1092 for the same
period.
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 Harmans is Kemper
at $132 per month and $780
for six months.
Cheapest Full Coverage Car Insurance Quotes in Harmans,
MD
Get Your Car Insurance Quote in Harmans
Instantly!
Average Car Insurance in Harmans 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 Harmans, MD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Harmans, 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, Harmans's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Harmans
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
Travelers
$719
30s
Travelers
$613
40s
Travelers
$559
50s
Travelers
$528
60s
Travelers
$592
70s
USAA
$626
Cheapest Car Insurance Rates for Teen Drivers in
Harmans,MD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Harmans at $80
per
month. At $8327 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Harmans.
As young drivers face the highest rates in Harmans, Travelers
offers the cheapest auto insurance rates at $719 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 Harmans,
USAA is
the cheapest car insurance provider. At $986 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
Harmans is State Farm, offering
rates of around $3730 for six
months.
Save up to $971/yr on car insurance rates in Harmans.
Car Insurance Rates with An Accident in Harmans
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 Harmans, MD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Harmans
The cheapest car insurance companies after an at-fault accident in
Harmans include Erie
and USAA, offering $774
and $880,
respectively. Encompass is an expensive provider
with an average six-month premium of
$692.
Here is a list of driving violations that can increase your car
insurance rates in Harmans MD. For example, the car
insurance in Harmans
after a DUI increases to $1184 for a six
month policy. While the rate increases by $274 for a six-month policy in the case of
a speeding ticket.
Harmans auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1260
$210
One Med/PIP claim
$1303
$222
Not-at-fault accident
$1353
$226
One comp claim
$1360
$231
Two Med/PIP claims
$1385
$231
Failure to wear a seat belt
$1428
$243
Failure to show documents
$1466
$245
Child safety restraint
$1478
$251
Two comp claims
$1478
$247
Driving with expired registration
$1515
$257
Cell phone violation
$1534
$256
Driving too slowly
$1534
$260
Failure to stop at a red light
$1534
$256
Failure to yield
$1534
$260
Following too closely
$1534
$256
Illegal turn
$1534
$260
Improper passing
$1534
$256
Speeding 11 - 15 MPH over limit
$1534
$260
Speeding 16 - 20 MPH over limit
$1534
$256
Speeding 6 - 10 MPH over limit
$1534
$260
Texting while driving
$1534
$256
Wrong way/wrong lane
$1534
$260
Speeding in school zone
$1553
$259
At-fault accident - less than $1000
$1584
$270
Passing school bus
$1591
$265
Driving without lights
$1597
$272
Open container
$1603
$267
Operating a vehicle without permission
$1621
$276
Speeding 21 - 25 MPH over limit
$1678
$279
In 65 MPH zone
$1833
$312
At-fault accident - $1000-$2000
$1890
$315
At-fault accident - greater than $2000
$1890
$321
Reckless driving
$2158
$360
Racing
$2321
$395
Driving with a suspended license
$2357
$393
Refusal to submit to a chemical test
$2433
$414
DUI
$2444
$407
Leaving scene of an accident/hit and run
$2463
$419
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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 Harmans 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 Harmans.
The cheapest car insurance premiums in
Harmans are
offered by Erie at $662 for a six-month policy.
However, it can be as
expensive as $2720 with companies
like Nationwide.
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 Harmans are offered by State Farm
at $592. However,
it can be as expensive as $2545
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Harmans after Speeding ticket
Car insurance rates in Harmans have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Harmans rose by
$224 in December
compared to $223 of November. In other words, there has been an increase by $1 when you
compare December and November.
The average cost of liability insurance in the Harmans remained steady at $81 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Harmans. At $2133 for a
six-month policy, insuring
your car at 21077 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 Harmans?
The car insurance in Harmans is $53 per month, which is lower than the national average.
What is the cheapest car insurance in Harmans?
The cheapest car insurance in Harmans
is $132 per month
for full coverage.
How much is car insurance in Harmans for teenagers?
Car insurance for teenagers costs $468 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
Harmans?
The average cost of car insurance is $1016 for a six-month
policy. It will cost around $180 per month to insure your
car in Harmans.
Is car insurance expensive in Harmans?
Car insurance can be expensive in Harmans if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Harmans can be
affordable.
What is the best car insurance in Harmans,
MD?
The best car insurance company in Harmans
MD is
Kemper, offering $780 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Harmans, MD
Car Insurance Rates by State in the USA (2025 Update)
Harmans Car Insurance
