Cheap Quotes for Harwood, MD Car Insurance (2021)

Harwood, Maryland car insurance rates average $380 a month and Maryland law requires coverage of at least 30/60/15. By comparing rates from multiple Harwood, MD companies, you can find cheap Harwood 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

  • Average car insurance rates in Harwood, MD for senior drivers are $2,961/year
  • The cheapest car insurance company in Harwood is Nationwide
  • Average car insurance rates in Harwood, MD are $380/month

How do the Harwood, Maryland monthly average car insurance rates of $380/month compare to nearby cities like Frederick car insurance rates, Baltimore car insurance rates, and Laurel car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Harwood, MD.

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

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

What are the minimum Harwood, MD car insurance requirements?

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

Minimum Required Car Insurance Coverage in Harwood, 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 Harwood, MD car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Harwood, 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 $3,745 $3,597 $3,581 $3,674 $11,124 $13,052 $3,375 $3,428
GEICO $2,593 $2,845 $2,966 $3,439 $7,946 $9,083 $2,219 $2,343
Liberty Mutual $5,953 $5,953 $5,885 $5,885 $11,550 $17,115 $5,953 $8,016
Nationwide $2,002 $2,009 $1,809 $1,862 $4,749 $6,249 $2,324 $2,506
Progressive $2,349 $2,123 $2,048 $2,090 $8,422 $9,234 $2,745 $2,701
State Farm $2,329 $2,329 $2,139 $2,139 $7,358 $9,417 $2,596 $2,941
USAA $2,114 $2,076 $1,969 $1,965 $4,698 $5,553 $2,437 $2,718

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

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

Annual Car Insurance Rates for Teen Drivers in Harwood, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,124 $13,052
GEICO $7,946 $9,083
Liberty Mutual $11,550 $17,115
Nationwide $4,749 $6,249
Progressive $8,422 $9,234
State Farm $7,358 $9,417
USAA $4,698 $5,553

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

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

Annual Car Insurance Rates for Senior Drivers in Harwood, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,581 $3,674
GEICO $2,966 $3,439
Liberty Mutual $5,885 $5,885
Nationwide $1,809 $1,862
Progressive $2,048 $2,090
State Farm $2,139 $2,139
USAA $1,969 $1,965

How does coverage level affect Harwood, 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 Harwood, MD car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Harwood, Maryland

Insurance Company Low Medium High
Allstate $5,564 $5,664 $5,864
GEICO $4,027 $4,154 $4,358
Liberty Mutual $8,050 $8,269 $8,548
Nationwide $2,819 $2,948 $3,049
Progressive $3,786 $3,967 $4,139
State Farm $3,704 $3,915 $4,099
USAA $2,794 $2,950 $3,079

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

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

Annual Harwood, Maryland Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,031 $6,714 $5,031 $6,013
GEICO $2,953 $4,611 $5,650 $3,503
Liberty Mutual $5,975 $7,859 $11,781 $7,541
Nationwide $2,583 $3,475 $2,765 $2,931
Progressive $3,386 $4,486 $4,095 $3,890
State Farm $3,503 $4,399 $3,861 $3,861
USAA $2,311 $2,835 $4,129 $2,489

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

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

Annual Car Insurance Rates After a DUI in Harwood, Maryland

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,031
GEICO $5,650
Liberty Mutual $11,781
Nationwide $2,765
Progressive $4,095
State Farm $3,861
USAA $4,129

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

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

Annual Car Insurance Rates by Credit Score in Harwood, Maryland

Insurance Company Poor Fair Good
Allstate $7,390 $5,149 $4,553
GEICO $4,738 $3,924 $3,876
Liberty Mutual $11,848 $7,635 $5,385
Nationwide $3,759 $2,657 $2,401
Progressive $4,985 $3,755 $3,152
State Farm $5,709 $3,391 $2,618
USAA $3,924 $2,689 $2,211

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

Harwood, 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 Harwood if you’re financing.

Annual Car Insurance Rates by Commute Length in Harwood, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,616 $5,778
GEICO $4,109 $4,249
Liberty Mutual $8,068 $8,511
Nationwide $2,939 $2,939
Progressive $3,964 $3,964
State Farm $3,808 $4,004
USAA $2,850 $3,032

Who has the cheapest Harwood, MD car insurance rates?

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

Best Annual Car Insurance Rates by Company in Harwood, 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 Harwood, MD car insurance companies?

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

Average Annual Car Insurance Rates by Company in Harwood, Maryland

Insurance Company Average Annual Rates
Allstate $5,697
GEICO $4,179
Liberty Mutual $8,289
Nationwide $2,939
Progressive $3,964
State Farm $3,906
USAA $2,941

Car Insurance Quotes for Harwood, MD

Shop for affordable Harwood, Maryland car insurance rates today. Enter your ZIP code to compare quotes from multiple Harwood, MD car insurance companies.

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