For a 40-year-old driver with a clean record, Cumberland car insurance averages about $156 a month ($1,875 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 21% below the Maryland average of $197 a month. State Farm, GEICO and Erie are effectively tied for the lowest full-coverage average among the five major insurers we compared (Allstate, Erie, GEICO, Progressive and State Farm), at about $131 to $132 a month.
Cumberland has the lowest car insurance prices of the eight Maryland cities we publish a guide for: car insurance in Cumberland costs our benchmark driver about $41 a month less than the state average. Use these figures as a benchmark when you compare auto insurance quotes in Cumberland, MD.
Our figures use Cumberland’s ZIP code, 21502, so the city average and the ZIP code average are the same.
Cost data comes from the auto rates insurers file with state regulators, priced in Cumberland’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Cumberland averages $1,875 a year, or about $156 a month, for our benchmark driver. Liability-only coverage at 20/40/15 limits averages $726 a year ($61 a month), and 50/100/50 liability with comprehensive and collision averages $1,860 ($155 a month).
Allstate is far more expensive than the other insurers here: its full-coverage average of about $279 a month is 2.1 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Allstate, the Cumberland average would be about $132 a month.
State Farm, GEICO and Erie are effectively tied for the lowest full-coverage average among these five insurers in Cumberland. USAA averages even less, at $98 a month, but it sells only to military members, veterans and their families. Four of the seven published 2026 statewide Maryland rate studies we reviewed rank GEICO cheapest for full coverage, apart from USAA, and the other three each put a different insurer first. For liability-only coverage at 20/40/15 limits, Erie has the lowest average among these five insurers that are among insurers anyone can buy from, at about $35 a month, with GEICO close behind at $37. USAA comes in even lower, at about $25 a month, but it sells only to military families.
Full-coverage averages by insurer in Cumberland
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/15 (Yearly): | Liability Only 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| USAA (military families) | $304 | $25 | $1,171 | $98 |
| State Farm | $554 | $46 | $1,572 | $131 |
| GEICO | $448 | $37 | $1,578 | $132 |
| Erie | $424 | $35 | $1,587 | $132 |
| Progressive | $1,150 | $96 | $1,998 | $167 |
| Allstate | $1,476 | $123 | $3,343 | $279 |
| Travelers* | $475 | $40 | $1,576 | $131 |
| Nationwide* | $591 | $49 | $1,708 | $142 |
| Cumberland average | $726 | $61 | $1,875 | $156 |
This table uses Cumberland’s ZIP code only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Cumberland data: with the same $500 deductibles, full coverage averages $1,875 a year and 50/100/50 averages $1,860. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and Erie charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Cumberland ZIP code, their full-coverage average fell from $1,727 a year nine months earlier to $1,581 in rates as of Aug. 31, 2026, an 8.5% drop. Erie cut its Cumberland average 13.3%, Progressive 13.2% and State Farm 11.3%, while USAA raised its average 1.3%; GEICO’s average was unchanged. Allstate is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Cumberland average above. Liability-only coverage at 20/40/15 limits fell 2.9%, led by USAA, which cut its liability-only average 17.8%.
Cumberland’s price matches Allegany County’s, which averages $1,869 a year for full coverage in our data, the third-least expensive of Maryland’s 24 jurisdictions.
Liability-only coverage is especially cheap here. Cumberland’s average of about $61 a month at 20/40/15 limits is the lowest of the eight Maryland cities we publish a guide for, and of the 178 places we price, only Frostburg is lower. Erie has the lowest liability-only average here among insurers anyone can buy from, about $35 a month. Where your car is kept is one of the factors Maryland insurers use, so neighboring towns can be priced differently.
More Maryland cities and towns are in the Maryland rates by city table, and you can compare states on our car insurance rates by state page.
Frostburg, about nine miles west, averages about $155 a month in our data, nearly the same as Cumberland. Hagerstown, about 55 miles east, runs about $3 more a month, and Frederick about $6 more. For the statewide picture, see our guide to Maryland car insurance rates.
Drivers in Cumberland follow Maryland’s rules. To register and drive a car, your policy must include at least:
Since July 1, 2024, new Maryland policies also include enhanced underinsured motorist coverage, which pays on top of the at-fault driver’s insurance, unless you turn it down in writing. The liability-only prices on this page use 20/40/15 limits, below that minimum. Our Maryland requirements guide covers your PIP choices and the penalties for letting your coverage lapse.
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Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Maryland law and the Maryland Insurance Administration. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Cumberland averages about $156 a month ($1,875 a year) and liability-only coverage at 20/40/15 limits about $61 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 21% below the Maryland average of $197 a month.
State Farm, GEICO and Erie are effectively tied for the lowest full-coverage average among the five major insurers we compared in Cumberland, at about $131 to $132 a month. USAA, which sells only to military members, veterans and their families, has a lower average still ($98 a month). Progressive’s average is next among the five major insurers we compared, at $167. For liability-only coverage at 20/40/15 limits, Erie has the lowest average among insurers anyone can buy from, at about $35 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, by Maryland standards. In our data, Cumberland full coverage averages about $156 a month, 21% below the state average and the lowest of the eight Maryland cities we publish a guide for.
Erie and State Farm have cut their Cumberland prices by 11% to 13% over the past nine months while GEICO’s held steady. In our data, the three now sit within about $1 a month of each other for full coverage, so your own driving record and car decide which is cheapest for you.
In our Cumberland data, full coverage (100/300/100 with $500 deductibles) averages about $156 a month and liability-only coverage at 20/40/15 limits about $61, a difference of about $95 a month ($1,149 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Maryland law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Cumberland must carry Maryland’s minimums: $30,000 per person and $60,000 per crash for injuries and $15,000 for property damage (30/60/15), uninsured and underinsured motorist coverage at the same amounts plus $15,000 for uninsured motorist property damage, and $2,500 of personal injury protection unless the first named insured waives it in writing.
Not for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past nine months), their Cumberland full-coverage average fell 8.5%, from about $1,727 to $1,581 a year. That’s lower than the Cumberland average of $1,875 because it leaves out Allstate. Erie cut its Cumberland average 13.3%, Progressive 13.2% and State Farm 11.3%, while USAA raised its average 1.3%. Liability-only coverage at 20/40/15 limits fell 2.9%.
For our benchmark driver, full coverage in Cumberland averages about $156 a month. Nearby, Hagerstown averages about $159, Frederick about $162 and Germantown about $182. Cumberland is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
