Cheap Quotes for Hampstead, MD Car Insurance (2021)

Hampstead, Maryland car insurance rates average $396 a month and Maryland law requires coverage of at least 30/60/15. By comparing rates from multiple Hampstead, MD companies, you can find cheap Hampstead car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • The cheapest car insurance company in Hampstead is Nationwide
  • Average car insurance rates in Hampstead, MD for senior drivers are $3,095/year
  • Average car insurance rates in Hampstead, MD after a DUI are $5,661/year

How do the Hampstead, Maryland monthly average car insurance rates of $396/month compare to nearby cities like College Park car insurance rates, Laurel car insurance rates, and Annapolis car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Hampstead, MD.

We’ll cover the Maryland minimum coverage requirements, Maryland car insurance laws, and Hampstead, MD statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Hampstead, Maryland companies to find the most affordable Hampstead car insurance rates.

Enter your ZIP code above to find cheap Hampstead, MD car insurance quotes today.

What are the minimum Hampstead, MD car insurance requirements?

To meet Maryland minimum car insurance coverage requirements, Hampstead, MD drivers need to carry at least 30/60/15 coverage.

Minimum Required Car Insurance Coverage in Hampstead, Maryland

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $15,000 minimum

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How do age, gender, and marital status affect Hampstead, MD car insurance rates?

Three of the criteria that most affect car insurance rates in Hampstead, Maryland are age, gender, and marital status. Let’s take a look at how each of these stack up with top Hampstead car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Hampstead, Maryland

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,418 $3,287 $3,257 $3,341 $9,921 $11,615 $3,093 $3,139
GEICO $2,412 $2,639 $2,746 $3,168 $7,352 $8,413 $2,063 $2,182
Liberty Mutual $7,702 $7,702 $7,615 $7,615 $14,850 $21,957 $7,702 $10,336
Nationwide $1,734 $1,740 $1,571 $1,616 $4,044 $5,301 $2,004 $2,158
Progressive $2,652 $2,384 $2,306 $2,356 $9,690 $10,621 $3,104 $3,045
State Farm $2,291 $2,291 $2,103 $2,103 $7,323 $9,385 $2,557 $2,902
USAA $1,896 $1,860 $1,773 $1,765 $4,226 $4,985 $2,178 $2,426

How much do teen drivers pay for car insurance in Hampstead, MD?

Hampstead, Maryland car insurance rates for teens are often higher than rates for other drivers. Compare Hampstead car insurance rates from multiple Hampstead, Maryland car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Hampstead, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,921 $11,615
GEICO $7,352 $8,413
Liberty Mutual $14,850 $21,957
Nationwide $4,044 $5,301
Progressive $9,690 $10,621
State Farm $7,323 $9,385
USAA $4,226 $4,985

How much do senior drivers pay for car insurance in Hampstead, MD?

With a little research, seniors can find affordable car insurance in Hampstead, Maryland. Here’s a look at how the top Hampstead car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Hampstead, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,257 $3,341
GEICO $2,746 $3,168
Liberty Mutual $7,615 $7,615
Nationwide $1,571 $1,616
Progressive $2,306 $2,356
State Farm $2,103 $2,103
USAA $1,773 $1,765

How does coverage level affect Hampstead, MD car insurance rates?

How much coverage do you need? Are you comfortable with the Maryland minimum of 30/60/15 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Hampstead, MD car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Hampstead, Maryland

Insurance Company Low Medium High
Allstate $5,016 $5,104 $5,282
GEICO $3,739 $3,850 $4,026
Liberty Mutual $10,365 $10,659 $11,031
Nationwide $2,418 $2,528 $2,617
Progressive $4,315 $4,521 $4,722
State Farm $3,674 $3,881 $4,053
USAA $2,505 $2,647 $2,764

How does your driving record affect Hampstead, MD car insurance rates?

Safe driving pays off. The more traffic violations you have in Hampstead, MD, the higher your car insurance rates will be. Compare rates based on driving infractions from top Hampstead, Maryland companies.

Annual Hampstead, Maryland Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,543 $6,037 $4,543 $5,412
GEICO $2,740 $4,276 $5,219 $3,253
Liberty Mutual $7,651 $10,097 $15,285 $9,707
Nationwide $2,222 $2,972 $2,375 $2,515
Progressive $3,848 $5,120 $4,680 $4,431
State Farm $3,466 $4,362 $3,825 $3,825
USAA $2,075 $2,547 $3,700 $2,233

How does a DUI affect Hampstead, MD car insurance rates?

With even one DUI on your record, you can see an increase in your Hampstead, MD car insurance rates.

Annual Car Insurance Rates After a DUI in Hampstead, Maryland

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,543
GEICO $5,219
Liberty Mutual $15,285
Nationwide $2,375
Progressive $4,680
State Farm $3,825
USAA $3,700

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How does your credit history affect Hampstead, MD car insurance rates?

Take a look at the data here to see how your Hampstead, Maryland car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Hampstead, Maryland

Insurance Company Poor Fair Good
Allstate $6,651 $4,641 $4,110
GEICO $4,389 $3,635 $3,591
Liberty Mutual $15,265 $9,843 $6,947
Nationwide $3,211 $2,284 $2,068
Progressive $5,674 $4,286 $3,599
State Farm $5,665 $3,357 $2,586
USAA $3,513 $2,414 $1,989

How does your commute affect Hampstead, MD car insurance rates?

Hampstead, MD car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Maryland can be seen here. Remember, though, that you may have to carry substantially more car insurance in Hampstead if you’re financing.

Annual Car Insurance Rates by Commute Length in Hampstead, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,061 $5,206
GEICO $3,808 $3,935
Liberty Mutual $10,402 $10,968
Nationwide $2,521 $2,521
Progressive $4,520 $4,520
State Farm $3,772 $3,966
USAA $2,558 $2,720

Who has the cheapest Hampstead, MD car insurance rates?

Here’s a breakdown of Hampstead, Maryland car insurance rates by company. You can see which company offers the cheapest Hampstead car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Hampstead, Maryland

Category Insurance Company
Teenagers USAA
Seniors Nationwide
Clean Record USAA
With 1 Accident USAA
With 1 DUI Nationwide
With 1 Speeding Violation USAA

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What are the top Hampstead, MD car insurance companies?

Which Hampstead, Maryland car insurance company will best fit your needs and budget? Check out this comparison of the top Hampstead companies to find the one for you.

Average Annual Car Insurance Rates by Company in Hampstead, Maryland

Insurance Company Average Annual Rates
Allstate $5,134
GEICO $3,872
Liberty Mutual $10,685
Nationwide $2,521
Progressive $4,520
State Farm $3,869
USAA $2,639

What factors affect Hampstead, MD car insurance rates?

Why are Hampstead, Maryland car insurance rates different than rates in College Park or Laurel? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Hampstead, MD?

FBI statistics show that the Hampstead, Maryland car theft rate is 2 thefts each year. High theft rates can lead to higher than average Hampstead, MD car insurance rates.

How long is the average commute in Hampstead, MD?

More time spent behind the wheel can lead to higher Hampstead, Maryland car insurance rates. In Hampstead, MD, the average commute length is 40.4 minutes.

Car Insurance Quotes for Hampstead, MD

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