Car Insurance in Hagerstown, MD

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Living and Driving in Hagerstown, MD

Hagerstown is home to approximately 44,000 people. Approximately 8,180 people live and work in the city, and an additional 8,893 enter it each day to work, according to With two major interstates skirting the city and several highways heading into downtown, traffic in the area can become congested and accidents are fairly common. Let VIU by HUB help you choose full-coverage car insurance in Hagerstown, MD, which can help limit your financial responsibility after an accident.

According to data provided by the city, approximately 400,000 people use County Commuter transportation provided by Washington County each year. Park-and-ride lots and regional bus and rail routes increase public transportation options.

Despite multiple shared transportation choices, 76.22% of Hagerstown commuters drive alone in a passenger vehicle to work each day. That figure is in line with national averages and slightly higher than rates in the rest of the state. The average one-way commute time is about 24 minutes, which is below both state and national averages.

Meeting Maryland Insurance Requirements

Drivers should ensure proper coverage is in place before heading out onto Hagerstown streets. In Maryland, that means meeting minimum liability insurance requirements established by the state. It is a good idea to familiarize yourself with the requirements for car insurance in Hagerstown, MD, before shopping for a policy. According to Maryland law. all drivers must maintain the following liability coverages:

  • $30,000 bodily injury (per person)
  • $60,000 bodily injury (for 2 or more people)
  • $15,000 property damage (per accident)

Liability insurance pays for damage or injuries or injuries you cause to others. It does not help pay for damage to your own car or truck. For that, you will need to add collision and, possibly, comprehensive coverage. Collision insurance pays out when you are in an accident with another car or a fixed object, such as a light pole. It covers repairs or, if your car's damage is greater than its current value, pays you that amount.

Comprehensive insurance pays for other types of damages, such as from theft, fire or flooding. It also pays for certain accidents, such as if you hit an animal. Glass coverage is usually a component of comprehensive insurance. You can choose a deductible you are comfortable with for both collision and comp coverages.

Some Maryland drivers also opt to include coverage for roadside assistance and rental car reimbursement. These help lower out-of-pocket costs in emergency situations or while your car gets repaired after an accident.

Paying for Car Insurance in Hagerstown, MD

Hagerstown drivers can expect to pay around the city average of $2,654 per year for full-coverage auto insurance. That's about $600 higher than the state average for the same level of coverage. Factors such as traffic congestion and high rates of car theft likely contribute to elevated premiums.

It is important to remember that multiple individual factors will affect how much you pay for coverage. Your premium will reflect things such as your credit history, driving record, daily commute distance and the type of car you drive. You can help keep rates low by driving carefully, avoiding tickets and taking advantage of available discounts.

Another great way to save on car insurance in Hagerstown, MD, is by comparing rates from multiple companies. VIU by HUB makes it simple by providing you with several coverage options to compare.

This information is intended for general informational purposes only and is not intended to constitute legal advice.



Maryland DOT

U.S. Census Bureau

Vision Hagerstown

Auto insurance in Maryland by city

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