Gaithersburg, MD Auto Insurance | Cheap Car Insurance in Gaithersburg, MD

Residents in need of cheap car insurance in Gaithersburg, MD have several options. The best Gaithersburg, MD car insurance companies consist of Allstate, Cal Casualty, Nationwide, State Auto, and State Farm. State Auto leads in offering Gaithersburg, MD auto insurance at $41 monthly.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jul 19, 2021

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Maryland auto insurance lists its minimum liability coverage as 30/60/15. Drivers searching for cheap car insurance in Gaithersburg, MD will be able to find affordable premiums. Allstate, Cal Casualty, Nationwide, State Auto, and State Farm rank as some of the best Gaithersburg, MD car insurance companies. State Auto leads the way in offering Gaithersburg, MD auto insurance at $41/month.

Gaithersburg is a suburban city located just to the north and west of Washington, DC. Interstate 270, which divides the city into east and west quadrants, also serves as a dividing line between the city’s historical past and its bright future. The eastern half has been around since its incorporation; it is littered with nostalgia, including the Olde Town business district. The western side is filled with Gaithersburg’s newest neighborhoods, which have been designed as small, pedestrian-friendly communities.

Here’s a fun fact: were you aware Gaithersburg is #40 on the list of “Top 100 cities with highest median household income and median resident age less than 35 (pop. 50,000+)”?

In the market for cheap auto insurance in Gaithersburg, MD? With, anyone will find the absolute best possible insurance rates in their town. If you’d like to see some Gaithersburg, MD auto insurance quotes from some of the top available providers for free, enter your ZIP code at the top or bottom of the page.

Auto Insurance Coverage Requirements in Maryland

Driving legally in Gaithersburg requires:

Coverage Requirements Most Common
Bodily Injury Liability 30,000/60,000 100,000/300,000
Property Damage Liability 15,000 50,000
Uninsured Motorist Bodily Injury 20,000/40,000 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 250 deductible
Comprehensive Not required 0 deductible

Just because Maryland’s state minimums are higher than in most other states doesn’t mean your coverage needs to be more expensive. And besides, having those extra coverages protects you from uninsured motorists. Most Maryland drivers are paying around $151 on a monthly basis for their automotive insurance policies. However, living in Gaithersburg can get you low rates starting at $48/mo*! Keep reading, and we’ll show you how.

Average Monthly Auto Insurance Premiums Legend: Gaithersburg Allstate Cal Casualty Nationwide State Auto State Farm 10 20 30 40 50 $48 $51 $46 $41 $56

Amica, State Auto, and Nationwide all want your business in Gaithersburg. That’s why they’re trying to out-bid other providers with their lowest Gaithersburg, MD auto insurance rates. But don’t let a cheap price fool you into signing up with a company that doesn’t care about customer service or paying out claims.

Gaithersburg, MD auto insurance companies evaluate several elements when determining insurance quotes, which include gender, occupation, ZIP code, driving distance to work, and theft protection devices. Additionally, premiums differ from one carrier to another. Want to verify that you are still paying a cheap rate? Then compare the cheapest Gaithersburg auto insurance quotes right now online.

Enter your ZIP code below to compare auto insurance rates.

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Major Factors in Cheap Car Insurance in Gaithersburg, Maryland

There is a range of various things that could factor into the rate quotes you obtain. While several of these things aren’t really something you can do something about, some of them are variables which you can change for the better. Here are a few components which may alter your affordable Gaithersburg, MD auto insurance:

Your ZIP Code

Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher car insurance rates because the additional amount of drivers travelling the road increases the chance of a car accident! The total population of Gaithersburg is 65,690 and the average household income is $79,420.

Auto Insurance by ZIP Code Legend: Baltimore Columbia Rockville Gaithersburg Frederick Allstate Cal Casualty Nationwide State Auto State Farm 10 20 30 40 50 60 70 $56 $49 $48 $48 $35 $61 $46 $46 $51 $38 $66 $46 $44 $46 $37 $70 $45 $40 $41 $29 $78 $47 $51 $56 $37


Automotive Accidents

The rate of serious accident is Gaithersburg is very low. And, aside from the obvious reasons, this is also good news for motorists like you. When accidents are low in a particular ZIP code, insurance provider tend to charge everyone lower rates.

Fatal Accidents in Gaithersburg, MD Legend: Gaithersburg Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 6 7 8 4 5 1 4 8 3


Auto Thefts in Gaithersburg

Auto theft is a serious problem, particularly in densely populated locations. If your region and/or vehicle model place you at a higher risk for theft, you might have problems obtaining low-cost car insurance. There were fewer than 100 cars stolen in Gaithersburg during 2013. Unfortunately, the only way to protect your vehicle from theft is to add comprehensive coverage to your policy – and that can get expensive if you don’t have an appropriately-sized deductible.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Allstate Cal Casualty Nationwide State Auto State Farm 15 30 45 60 75 90 105 120 135 $48 $140 $51 $149 $46 $86 $41 $114 $56 $122


Your Credit Score

Many people don’t understand how important their credit rating happens to be when identifying their car insurance rates. For those who have a bad credit score, your rate per month is often highly increased compared to those of someone having an excellent credit rating.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Allstate Cal Casualty Nationwide State Auto State Farm 10 20 30 40 50 60 70 80 90 100 110 $44 $73 $43 $76 $41 $64 $39 $70 $45 $114


Your Age

On average, youthful and unskilled motorists will be much more likely to get involved with any sort of accident. This is exactly why older motorists get billed lower monthly rates – since the insurance provider isn’t dealing with an enormous financial risk by covering them. If you’re a youthful teenage driver, try considering good student discount rates, in addition to Motorists Education and defensive driving courses.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Allstate Cal Casualty Nationwide State Auto State Farm 50 100 150 200 250 300 350 $48 $243 $51 $178 $46 $376 $41 $223 $56 $177


Your Driving Record

The higher violations you’ve collected on your record, the higher the chance is to file claims – which will lead your provider to request you for greater rates. However when you’ve basically only got a small accident inside your record, ask your agent about Accident Forgiveness special discounts.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate Cal Casualty Nationwide State Auto State Farm 10 20 30 40 50 60 70 80 90 100 110 $48 $66 $60 $80 $51 $57 $118 $71 $46 $66 $71 $85 $41 $52 $72 $66 $56 $62 $62 $70


Your Vehicle

Naturally, you will need to pay more for the insurance when you’re covering a costly, luxury vehicle. Such cars are more expensive to exchange or repair, in the event you file claims, and you’ll need not only the state minimum coverage to be able to safeguard your automobile properly.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allstate Cal Casualty Nationwide State Auto State Farm 15 30 45 60 75 90 105 120 135 150 165 $48 $175 $51 $164 $46 $128 $41 $116 $56 $160


Minor Factors in Cheap Auto Insurance in Gaithersburg, Maryland

Then again, these factors may alter your rate too:

Your Marital Status

For individual insurance policies, marital status is only going to alter the price of your rate by 2-3%, if it alters it whatsoever. However, married people could possibly get large discount rates by bundling their products together. And when you’ve homeowner’s or renter’s insurance, it can save you much more by bundling all policies, too.

Your Gender

Gender has very little substantial influence on your rate per month. A lot of companies don’t charge different rates according to gender whatsoever. The old fashioned institutions which still do rarely charge more than a few percentage points of difference.

Your Driving Distance to Work

Despite the city’s recent embrace of New Urbanism construction projects, it can still take a while to get to work in Gaithersburg. The average driver may spend 26-35 minutes behind the wheel each way. Anywhere between 3-13% of drivers are likely to carpool to work. For those who have your automobile on your insurance plan like a business vehicle, you will probably pay around 10% more, no matter how frequently you drive every year. Total miles driven, along with your purpose on the highway (work/school/pleasure) will not change your monthly rates by greater than 1-2%.

Your Coverage and Deductibles

Naturally, the more insurance coverage you purchase, the higher your monthly premiums will be. However, you can purchase the coverage you need and keep your monthly rate relatively low by raising your deductible. Yes, you will have higher out-of-pocket expenses in the event of a claim, but you will have lower monthly premiums as a result.

Education in Gaithersburg, MD

If you have obtained a higher level of education (beyond that of a standard high school diploma), there may be more benefits than you realize. For starters, you can usually get a lower rate on car insurance just for having an advanced degree – even more than for having a nice job or a wealthy salary. More than one quarter of drivers in Gaithersburg have a bachelor’s degree, while 15% have not yet gone beyond a high school education. For those Gaithersburg residents who would like to expand their education, the city is located within an easy driving distance of Rockville and, to a lesser extent, Frederick. Both towns host their fair share of prestigious four-year institutions. For something a little more local, you can also try the Gaithersburg campus of Montgomery College, which can help you prepare for a four-year university or assist you with an associate’s degree. Establishing your own insurance costs can be very hard for the average insurance shopper. Insurance companies have an edge over consumers because of their statistics and vast amount of experience. Learn what insurance companies don’t want you to know.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device. Sources: Maryland Insurance Administration Comptroller of Maryland Department of Highway Safety and Motor Vehicles

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