For a 40-year-old driver with a clean record, Hagerstown car insurance averages about $159 a month ($1,904 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 19% below the Maryland average of $197 a month. GEICO has the lowest full-coverage average in Hagerstown among insurers open to all drivers, at about $122 a month.
Hagerstown is one of the least expensive cities in Maryland for car insurance. Our benchmark driver pays about $38 a month less here than the state average.
Our data uses Hagerstown’s two standard ZIP codes, 21740 and 21742. 21742 runs about $2 a month cheaper than 21740.
Cost data comes from the auto rates insurers file with state regulators, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Sept. 29, 2026.
Full coverage in Hagerstown averages $1,904 a year, or about $159 a month, for our benchmark driver. Minimum liability at 20/40/15 limits averages $799 a year ($67 a month), and 50/100/50 liability with comprehensive and collision averages $1,882 ($157 a month).
GEICO’s Hagerstown average is 13% below Erie’s. Travelers and Nationwide aren’t in the Quadrant rate data we analyze. Every published 2026 Maryland rate study we reviewed ranks GEICO cheapest statewide, with Travelers or Nationwide often next; our Hagerstown estimates are about $135 a month for Travelers and $127 for Nationwide. For minimum liability, GEICO has the lowest average among the insurers we rank, at about $38 a month, followed by Erie at $47.
Full-coverage averages by insurer in Hagerstown
Monthly, for the same driver and car. Estimated insurers are in the table below, not 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: | Minimum Liability 20/40/15 (Yearly): | Minimum Liability 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| USAA (military families) | $331 | $28 | $1,258 | $105 |
| GEICO | $453 | $38 | $1,458 | $122 |
| Erie | $568 | $47 | $1,682 | $140 |
| State Farm | $734 | $61 | $1,792 | $149 |
| Progressive | $1,195 | $100 | $1,936 | $161 |
| Allstate | $1,516 | $126 | $3,297 | $275 |
| Nationwide* | $914 | $76 | $1,520 | $127 |
| Travelers* | $702 | $59 | $1,622 | $135 |
| Hagerstown average | $799 | $67 | $1,904 | $159 |
These prices are for Hagerstown ZIP codes only. See how we calculated these rates.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $22 a year in our Hagerstown data, with the same $500 deductibles. That’s under $2 a month for three times the injury protection per crash and double the property damage limit.
Not for our benchmark driver. Comparing the same insurers in the same Hagerstown ZIP codes, full coverage averaged $1,766 a year in rates as of Nov. 30, 2025 and $1,625 as of Aug. 31, 2026, an 8.0% drop. Erie and Progressive each cut their Hagerstown averages by about 12% and State Farm by about 11%, while GEICO’s didn’t change. Allstate isn’t part of that comparison because it joined our Maryland data in 2026.
Hagerstown’s prices match Washington County’s, which averages $1,906 a year for full coverage in our data. That’s among the six least expensive of Maryland’s 24 jurisdictions.
The insurer you choose matters far more than your ZIP code here. GEICO’s Hagerstown average is about $153 a month below Allstate’s, while the two ZIP codes are about $2 apart.
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.
Williamsport, Boonsboro and Smithsburg all average about $158 to $160 a month in our data, almost identical to Hagerstown. Frederick runs about $3 more, and Cumberland about $3 less.
Drivers in Hagerstown follow Maryland’s rules. To register and drive a car, your policy must include at least:
That’s often written as 30/60/15. You can waive PIP in writing for a lower premium, but you’d give up no-fault coverage for your own medical bills and lost wages. Our Maryland requirements guide covers the details, including the penalties for letting your coverage lapse.
Ready to compare
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 the Maryland Insurance Administration and the Maryland MVA. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Hagerstown averages about $159 a month ($1,904 a year) and minimum liability about $67 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 19% below the Maryland average of $197 a month.
GEICO has the lowest full-coverage average among insurers open to all drivers in our Hagerstown rate data, at about $122 a month, followed by Erie at $140. USAA is lower at about $105 a month, but only for military members, veterans and their families. Rates vary by driver, so compare quotes for your own car and ZIP code.
Slightly. In our data, Hagerstown full coverage averages about $159 a month and Frederick about $162, for the same driver and car.
Only a little. In our data, 21742 averages about $158 a month for full coverage and 21740 about $160.
In our Hagerstown data, full coverage (100/300/100 with $500 deductibles) averages about $159 a month and minimum liability at 20/40/15 limits about $67, a difference of about $92 a month ($1,105 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Hagerstown full coverage fell 8.0% between November 2025 and August 2026, from about $1,766 to $1,625 a year.
