Rockville, MD Auto Insurance | Cheap Car Insurance in Rockville, MD
Rockville, MD auto insurance is $330.52/mo or $3,966.23 annually. Rates, however, can be affected by factors such as driving record, age, and your exact ZIP code. For example, Rockville, MD auto insurance rates increase by $200 annually depending on your ZIP code. Or for a Rockville, Maryland speeding violation you might pay an additional $200 per year. A more severe violation, like a Rockville, MD DUI, can increase your rates by over $1,000 per year. Secure cheap car insurance in Rockville, MD by comparison shopping today. Enter your ZIP code to get the best Rockville, MD car insurance rates from top Rockville, MD auto insurance companies.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 15, 2023
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- The average monthly rate of auto insurance in Rockville is $330.52 per month.
- 60-year-old women receive the lowest average rates, followed by 35-year-old men.
- Pedestrian-related accidents in Rockville increase overall auto insurance rates in the city.
Ready to secure cheap car insurance in Rockville, MD? Your city is one of the top employers for science and government jobs in the northeast. When you’re not working, you’re likely relaxing at one of the many upscale shopping areas your city is famous for.
All that time on the roads could lead to higher Rockville, MD auto insurance rates. Rates from Rockville, MD auto insurance companies are also affected by your driving record, credit history, age, and even your exact ZIP code. Follow our comprehensive guide and you’ll get the best cheap Rockville, Maryland auto insurance.
Ready to get affordable Rockville, MD auto insurance rates? Enter your ZIP code into our FREE tool above to get started.
Auto Insurance Rates in Rockville
How much is car insurance in Rockville, Maryland? The average auto insurance cost in Rockville is $330.52 a month or $3,966.23 annually.
To get the best auto insurance rates in Rockville you have to know what companies look for when determining rates.
Insurance companies determine your auto insurance by age and gender, but that’s not all. They also determine your auto insurance by ZIP code, commute length, and even look at your credit and driving history.
Does gender and age affect my auto insurance in Rockville?
It’s true, companies determine your auto insurance rates by gender and age. If you fall into a demographic that has significantly more chances of getting into an accident, insurance companies charge you higher than average auto insurance rates.
Who gets hit with higher than average auto insurance rates by gender and age monthly? Men and teenagers.
Year after year, men and teenagers cause the most accidents. Because they cost insurance companies more money to protect, they charge them higher rates.
See how much residents your age pay on average for auto insurance in Rockville, Maryland in the table below.
| Driver Age | Average Auto Insurance Rates |
|---|---|
| 60-years old | $3,087.00 |
| 35-years old | $3,134.20 |
| 25-years old | $3,469.29 |
| 17-years old | $9,367.72 |
According to DataUSA, the average age in Rockville is 39. If that describes you, you’re saving around two hundred dollars a year compared to younger drivers in your city.
The following chart breaks down auto insurance rates into monthly averages for teenagers versus 34-year-olds in Rockville.
If you’re a teen driver in Rockville, you can’t fully escape the higher rates. However, you can lower your insurance by looking into good student discounts or by taking a safe driver course.
When it comes to gender, most insurance providers don’t charge significantly different rates for men versus women. Usually, the difference is only a 2-3 percent increase.
See what we mean in the table below.
| Gender of Driver | Average Auto Insurance Rates |
|---|---|
| Female | $4,436.35 |
| Male | $4,764.55 |
Men pay under $30 more a month for auto insurance in Rockville than women. However, your age could lessen that gap.
Find yourself in the following table, which compares average annual auto insurance rates in Rockville by both gender and age.
| Driver Demographics | Average Annual Rates |
|---|---|
| Married 60-year-old female | $3,044.41 |
| Married 35-year-old male | $3,118.38 |
| Married 60-year-old male | $3,129.60 |
| Married 35-year-old female | $3,150.01 |
| Single 25-year-old female | $3,238.81 |
| Single 25-year-old male | $3,699.76 |
| Single 17-year-old female | $8,312.15 |
| Single 17-year-old male | $10,423.28 |
| Average Rates | $4,764.55 |
Women age 60 receive the cheapest average rates, which is normal and reflects the national average.
Something unique to Rockville is that auto insurance rates for men increase after you turn 60.
The increase could be because Rockville has a slightly older than average population. That demographic likely causes more automobile accidents in the city than younger men.
Don’t worry too much, the increase for 60-year-old men is less than a dollar a month more than those who are 35.
What ZIP codes have the cheapest auto insurance rates in Rockville?
Where you park your automobile each night will have a significant impact on your auto insurance rate. Therefore, companies do change your rates for auto insurance by ZIP code.
How do companies determine your auto insurance by ZIP codes? Reviews of crime rates and the number of cars on the roads.
Generally, auto insurance will be less expensive in rural areas because fewer cars mean a smaller possibility that you will get into an accident.
The lowest insurance ZIP codes, therefore, are usually less populated and also have lower rates of crime. Areas with more density and higher crime rates receive the highest auto insurance rates by ZIP codes.
Are you paying more than your neighbors? See how your ZIP code stacks up in the table below.
| ZIP Code | Average Auto Insurance Rate |
|---|---|
| 20854 | $3,870.55 |
| 20852 | $3,890.11 |
| 20851 | $4,036.86 |
| 20853 | $4,067.39 |
When it comes to cheap auto insurance, Rockville folks living in 20854 are saving almost $2oo a year on auto insurance compared to those who live in 20853.
The following graph shows a list of auto insurance companies in Maryland and compares their monthly rates from various cities, including Rockville.
As you can see, your address has a big impact on what you end up paying for auto insurance.
Is auto insurance in Rockville, Maryland more expensive than other cities in the state? Not necessarily, the rates are much more affordable than Baltimore and even Columbia.
Which companies have the best auto insurance rates in Rockville?
Let’s compare real rates people in Rockville pay from major auto insurance companies. Keep in mind, your auto insurance quotes will be different depending on your individual demographics.
To avoid paying the highest auto insurance rates by Rockville standards, you’ll need to be mindful of your commute length, credit history, and even your driving record.
Stick with us and we’ll help you secure the lower auto insurance rates. Use our tool below to get a free insurance quote today.
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Cheapest Auto Insurance Rates by Company
Take a look at the following table to see average annual rates offered by some of the largest auto insurance companies in Rockville, Maryland.
| Driver Demographics | USAA | Nationwide | Geico | Progressive | State Farm | Allstate | Liberty Mutual |
|---|---|---|---|---|---|---|---|
| Married 60-year-old female | $1,922.38 | $1,891.13 | $2,645.06 | $2,120.35 | $2,457.51 | $3,519.61 | $6,754.85 |
| Married 60-year-old male | $1,907.43 | $1,941.36 | $3,065.62 | $2,168.10 | $2,457.51 | $3,612.30 | $6,754.85 |
| Married 35-year-old female | $2,049.93 | $2,086.38 | $2,318.46 | $2,428.46 | $2,654.65 | $3,680.50 | $6,831.71 |
| Married 35-year-old male | $2,007.66 | $2,089.59 | $2,542.38 | $2,180.50 | $2,654.65 | $3,522.17 | $6,831.71 |
| Single 25-year-old female | $2,346.21 | $2,417.88 | $1,992.41 | $2,817.52 | $2,973.71 | $3,292.24 | $6,831.71 |
| Single 25-year-old male | $2,610.97 | $2,597.67 | $2,098.88 | $2,728.39 | $3,345.78 | $3,332.58 | $9,184.08 |
| Single 17-year-old female | $4,617.96 | $4,927.23 | $7,141.61 | $8,747.55 | $8,546.81 | $10,990.44 | $13,213.46 |
| Single 17-year-old male | $5,437.38 | $6,445.69 | $8,147.78 | $9,521.87 | $10,934.85 | $12,918.23 | $19,557.18 |
| Average Rates | $2,862.49 | $3,049.62 | $3,744.03 | $4,089.09 | $4,503.18 | $5,608.51 | $9,494.94 |
USAA, Nationwide, and Geico all offer low-cost auto insurance in Rockville, Maryland for all age groups and genders. However, USAA is only available to active or retired military personnel and their families.
Women who are 60 and men who are 25 may get better rates from Nationwide than USAA.
No matter who you are, you won’t want to use Liberty Mutual, their rates are much higher than other companies. They cannot give you cheap auto insurance in Rockville, Maryland.
The following chart breaks down monthly company rates, check it out.
When companies offer similar average rates like this, it makes comparison shopping even more important for you as a consumer. Some of these companies will charge more for things like credit history or commute length.
Depending on your circumstances, those companies might not be as viable for you as they first appear.
Best Auto Insurance for Commute Rates
Rockville residents have slightly longer average commute times than the rest of the nation. Some companies will charge you more for insurance rates if you have a long commute.
In Rockville, chances are good that it takes you around thirty minutes to get to work. The national average is twenty-five minutes.
Sixty-three percent of workers in Rockville drive their own vehicle to work, and another 9 percent carpool. Almost twenty percent of commuters use public transportation to get to work.
Using public transportation, or even walking to work, might help lower your Maryland auto insurance rates because you’re not at risk of getting into an accident during rush hour traffic.
Are you paying more for auto insurance because of the length of your commute? Find out in the table below.
| Companies | Average Annual Rates for 10 Miles Commute 6,000 Annual Mileage | Average Annual Rates for 25 Miles Commute 12,000 Annual Mileage | Average Annual Rates |
|---|---|---|---|
| USAA | $2,775.27 | $2,949.72 | $2,862.50 |
| Nationwide | $3,049.61 | $3,049.61 | $3,049.61 |
| Geico | $3,683.23 | $3,804.82 | $3,744.03 |
| Progressive | $4,089.09 | $4,089.09 | $4,089.09 |
| State Farm | $4,387.91 | $4,618.46 | $4,503.19 |
| Allstate | $5,528.81 | $5,688.22 | $5,608.52 |
| Liberty Mutual | $9,242.56 | $9,747.33 | $9,494.95 |
Only Geico and Progressive do not change rates based on commute length. If you drive more than the national average, definitely look into these companies.
Best Auto Insurance for Coverage Level Rates
There are many different types of auto insurance. If you own or are financing or leasing a newer vehicle, insurance with higher coverage might make sense for you.
Fortunately, in Rockville, adding extra coverage does not have to cost you an arm and a leg. See what we mean in the table below.
| Companies | Average Annual Rates with Low Coverage | Average Annual Rates with Medium Coverage | Average Annual Rates with High Coverage | Average Annual Rates |
|---|---|---|---|---|
| USAA | $2,713.57 | $2,872.27 | $3,001.64 | $2,862.49 |
| Nationwide | $2,922.20 | $3,058.99 | $3,167.65 | $3,049.61 |
| Geico | $3,617.57 | $3,724.64 | $3,889.87 | $3,744.03 |
| Progressive | $3,895.62 | $4,092.59 | $4,279.07 | $4,089.09 |
| State Farm | $4,247.56 | $4,516.98 | $4,745.01 | $4,503.18 |
| Allstate | $5,474.14 | $5,576.83 | $5,774.56 | $5,608.51 |
| Liberty Mutual | $9,205.07 | $9,471.23 | $9,808.53 | $9,494.94 |
USAA, Nationwide, and Geico charge around $100 a year more for increasing coverage from low to medium, and again for medium to high coverage.
The following graph compares monthly auto insurance rates for basic coverage versus more comprehensive coverage in Rockville.
Maryland law also requires drivers to have some type of personal injury protection insurance, also known as PIP insurance, unless you are over the age of sixteen and sign a waiver.
Signing the waiver may lower your annual rates, but it could end up costing you in the long run. Miller and Zois, personal injury attorney’s in Maryland, explain why you should keep this coverage on your policy in the following video.
Paying a little more upfront for more comprehensive coverage really does pay off. Especially if you are involved in an accident and are able to take full advantage of your PIP insurance.
Best Auto Insurance for Credit History Rates
Your credit score affects your auto insurance premiums. Often, it’s a very influential factor when it comes to your insurance rates.
Having good credit can help you get affordable auto insurance in Rockville, Maryland. See what we mean in the table below.
| Companies | Average Annual Rates with Good Credit | Average Annual Rates with Fair Credit | Average Annual Rates with Poor Credit | Average Annual Rates |
|---|---|---|---|---|
| USAA | $2,160.08 | $2,620.39 | $3,807.00 | $2,862.49 |
| Nationwide | $2,492.19 | $2,757.59 | $3,899.07 | $3,049.62 |
| State Farm | $3,015.17 | $3,908.84 | $6,585.53 | $4,503.18 |
| Progressive | $3,244.82 | $3,873.42 | $5,149.03 | $4,089.09 |
| Geico | $3,472.83 | $3,515.63 | $4,243.61 | $3,744.02 |
| Allstate | $4,485.24 | $5,071.41 | $7,268.88 | $5,608.51 |
| Liberty Mutual | $6,156.52 | $8,742.53 | $13,585.78 | $9,494.94 |
USAA charges an extra $500 annually if you have fair credit and almost $700 more for poor credit.
Nationwide and Geico are a little less severe with their increases, although Geico’s rates are not as competitive as Nationwide’s.
Consider the chart below, which compares rates for monthly average auto insurance in Rockville, Maryland by poor credit versus excellent credit.
For those who have a poor credit score, your rates might be two to three times greater than someone with excellent credit.
Best Auto Insurance for Driving Record Rates
To get the best auto insurance in Rockville, Maryland, you must have a clean driving record. Safe drivers also qualify for more discounts.
See how just one speeding violation can increase your rates in the table below.
| Companies | Average Annual Rates with a Clean Record | Average Annual Rates with 1 Accident | Average Annual Rates with 1 DUI | Average Annual Rates with 1 Speeding Violation | Average Annual Rates |
|---|---|---|---|---|---|
| USAA | $2,247.24 | $2,767.75 | $4,015.86 | $2,419.11 | $3,010.28 |
| Nationwide | $2,686.47 | $3,597.55 | $2,872.71 | $3,041.73 | $3,052.24 |
| Geico | $2,644.91 | $4,135.55 | $5,067.12 | $3,128.52 | $3,949.19 |
| Progressive | $3,491.56 | $4,638.77 | $4,211.45 | $4,014.58 | $4,113.93 |
| State Farm | $4,025.63 | $5,086.86 | $4,450.12 | $4,450.12 | $4,520.87 |
| Allstate | $4,954.10 | $6,616.94 | $4,954.10 | $5,908.90 | $5,508.38 |
| Liberty Mutual | $6,780.47 | $8,967.60 | $13,611.58 | $8,620.13 | $9,786.55 |
As you can see, most auto insurance agencies in Rockville, Maryland charge you an extra $200 a year for a speeding ticket. A more severe violation, like a DUI, can increase your rates by over $1,000.
In Maryland, DUI lawyers often help drivers who commit this offense. Therefore, the average increase in rates is lower than in most other states.
See more details about how a traffic violation can increase your monthly premiums in the graph below.
If you already have violations, consider asking about Accident Forgiveness discounts. Some companies will forgive at least one violation on your record when calculating your premiums.
Use our free tool below to find the best insurance plan for you today.
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What affects auto insurance rates in Rockville?
To fully answer the question about how are auto insurance premiums calculated, we have to look even deeper than age, gender, and credit history.
Other factors that affect auto insurance include road conditions in the city you live, crime rates, and even traffic congestion.
Keep in mind that companies often use auto insurance rating tiers to determine individual rates, which means they’re checking to see how risky of a driver you are.
Proving you’re a low-risk driver will help you get cheap auto insurance. Higher-risk drivers not only pay more but sometimes a severe violation could lead to companies refusing to insure you.
Keep reading to uncover the different facets of Rockville that impact your auto insurance quotes.
Road Conditions in Rockville
Road conditions impact your rates because potholes and dangerous intersections can lead to more automobile accidents. Better infrastructure means safer driving and saving money.
Take a look at the road conditions in the Washington D.C. area, where Rockville is located.
| Road Type | Percentage of All Washington D.C. Roads |
|---|---|
| Poor share | 30% |
| Mediocre share | 25% |
| Fair share | 17% |
| Good share | 29% |
Unfortunately, more than 50 percent of the roads in your area are in mediocre or poor condition, which means higher auto insurance rates.
Vehicle Theft in Rockville
Auto theft is a significant problem, specifically in densely populated areas. If your vehicle model is more likely to get stolen, you could have problems acquiring low-cost auto insurance.
According to Neighborhood Scout, Rockville is safer than 40 percent of other major American cities. The city is much safer than the state average in regard to violent crimes.
In Rockville, you have a 1 in 776 chance of being a victim of a violent crime. The state average is 1 in 213.
However, when it comes to property crimes, which include vehicle thefts, the rates are higher in Rockville than in the rest of the state.
While specific numbers for vehicle theft are not reported, you have a 1 in 77 chance of being a victim to property crime in Rockville. The state average is one in forty-nine.
If you think your vehicle might be vulnerable, consider adding comprehensive coverage to your automotive insurance policy.
Traffic Congestion in Maryland
Areas with more traffic congestion mean drivers are more at risk of being involved in an accident. More chances of getting into an accident mean higher auto insurance rates.
Maryland is very close to the nation’s capital, Washington D.C., a city that generates a lot of traffic congestion. Rockville is located only half an hour from the capitol.
Intrix reports that in 2019, people commuting to Washington D.C. lost 100 and 24 hours to traffic congestion. The city is the 24th worst area for traffic in the country.
It gets worse. According to TomTom, Washington D.C. is the 141st-most congested city in the world.
Drivers lose 14 minutes for every half hour drive in the morning on the weekdays, and they lose another 18 minutes for every 30-minute trip in the evenings.
If you’re able to join the nearly 20 percent of Rockville commuters who take public transportation to get to work, you could end up saving on auto insurance costs, and also saving on travel time.
Allstate America’s Best Drivers Report
Just like it sounds, Allstate America’s Best Drivers Report ranks the 200 largest American cities based on how safe their drivers are. While Rockville is not on the list, both Baltimore and Washington D.C. appear.
However, Washington D.C. was ranked as the second to last city with the safest drivers in the report. Baltimore was ranked last.
Both highway 695 in Baltimore and Highway 295 in Washington D.C. were ranked as two of the 15 riskiest roads to drive on in the nation.
If you have to drive through either of these cities or on either of those highways, take extra cautions to avoid an accident.
Your Vehicle and Auto Insurance Rates
The type of vehicle you drive can change the cost of your auto insurance. An extravagant vehicle will always cost more than the usual fuel-efficient sedan.
See the chart below to see how auto insurance rates increase when you’re insuring a luxury vehicle versus a basic sedan.
If you have a nicer vehicle, you’ll likely also want to purchase more comprehensive and collision auto insurance coverage to protect it. Higher coverage for a vehicle that is more expensive to replace will always cost you more to insure.
How is Traffic in Rockville?
We already talked about how there are not too many traffic problems in Rockville, but you will feel the effect of traffic congestion if you commute to or drive through Washington D.C. or Baltimore.
The major causes of traffic jams in Rockville are related to rush hour traffic. Rush hour traffic contributes to the causes of traffic congestion from Rockville all the way through Washington D.C.
Wondering how to reduce traffic problems? Take advantage of public transportation, or try biking to wherever you need to be.
While the rate of fatal automobile accidents in Rockville is relatively low, pedestrian-related issues caused by poorly structured roads are incredibly high.
One major road in the city, Rockville Pike, saw two pedestrian deaths in two consecutive days in January 2020.
The year prior, Rockville experienced fourteen pedestrian deaths, and over 600 more were injured on the roads, prompting city council members to push for Vision Zero, which aims to end traffic deaths by 2030.
ABC 7 News covers the issue in more detail in the following video.
The initiative would put millions of dollars into pedestrian safety measures. City leaders agree that the entire Rockville community needs to work together to ensure safer roads for pedestrians and drivers alike.
Take a look at the graph below for more details about vehicle-related deaths in Rockville.
As you can see from the chart, the rate of serious accidents is thankfully low across the board except in regard to pedestrian-related deaths.
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Frequently Asked Questions: Rockville Auto Insurance
You’ve done it, you’re now an expert on securing cheap auto insurance, Rockville residents. Refer back to this guide while you comparison shop. Check out our frequently asked questions below for more information.
#1 – What Auto Insurance is Required in Maryland?
The auto insurance requirements in Rockville Maryland are $30,000 per individual and $60,000 per accident for bodily injury liability insurance.
The state also requires $15,000 for property damage coverage per accident.
#2 – Why is Auto Insurance Expensive in Rockville Maryland?
Rockville Maryland demographics impact the rates in the area, including road conditions and safety, city density, and rates of crime. Rockville rates are actually average for the state of Maryland.
#3 – How Does Auto Insurance Rates in Rockville, Maryland Compare to Other Cities?
Rockville insurance rates are often cheaper than Baltimore and Washington D.C., but they are higher than some rural areas in Maryland.
#4 – How Can I Get Auto Insurance for the Cheapest Rate in Rockville, Maryland?
Auto insurance quotes comparison in Maryland, or any other state, will always help you get the lowest rates.
#5 – What is the Best Way to Get Cheap, Affordable Insurance?
We already mentioned the importance of comparison quotes for auto insurance in Rockville, Maryland. No matter where you live, comparison shopping is the best way to get cheaper rates.
#6 – Can I Call You for Quotes and Other Info?
You can use our website to compare auto insurance quotes.
#7 – What Types of Auto Insurance Coverage Can You Help With?
We can help you secure personal auto insurance quotes using our FREE comparison tools. We also offer articles that cover all types of auto insurance topics.
#8 – How Much Auto Insurance Do I need?
You are required to purchase your state’s legal minimum standards for auto insurance.
#9 – Cheapest Auto Insurance in Baltimore?
Allstate offers the best rates for auto insurance in Baltimore, MD.
Get the best Rockville, MD auto insurance quotes by entering your ZIP code into our FREE tool below.