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Cheap car insurance in Gaithersburg, Maryland

Car insurance in Gaithersburg, MD costs $1,997 on average, with USAA generally offering the cheapest rates. The price you will pay for car insurance in Gaithersburg will be different depending on your zip code, the vehicle you drive, and other personal factors like your age and driving record. 

Written by Alyssa DiCastro

Reviewed by Rob Deming Shield check

Last updated: February 26th, 2024

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Auto insurance trends: Gaithersburg, MD

Average annual cost of car insurance:

$1,997

Rank among cities for cheap insurance in MD (out of 23):

#8

Most affordable insurance company on average:

USAA

Zip code with least expensive insurance:

20878 ($1,827)

On this page:

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Why you can trust Rate Retriever

Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Car insurance cost across Gaithersburg, MD

Click the pins on the map to see the average annual cost of car insurance in each zip code.

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20877#$2,200#39.140749#-77.192060|20878#$1,827#39.1117744#-77.2705384|20879#$2,112#39.168416#-77.171506|20882#$2,038#39.237721#-77.156789

Cheap car insurance companies in Gaithersburg, MD

USAA, Progressive, and Geico are among the best and cheapest car insurance companies in Gaithersburg, MD. On average, they offer the cheapest rates for full coverage car insurance policies in the city.

However, you may find that another company is better for you based on your profile, vehicle, and coverage needs. It’s important to compare personalized rates at multiple insurers in Gaithersburg, MD to find the best coverage and price combination for your specific needs.

Cheapest minimum car insurance in Gaithersburg

All states have minimum legal car insurance limits, and Maryland is no exception. In general, if you purchase car insurance at the minimum required limits, you will pay significantly less for your car insurance, but you will also have less financial protection in case of an accident.

In Maryland, the minimum car insurance limits are as follows:

Bodily Injury Liability – $30,000 limit per person/$60,000 limit per accident.

Property Damage Liability – $15,000 limit.

Uninsured Motorist Coverage – $30,000 limit per person/$60,000 limit per accident; Property damage: $15,000 limit.

Underinsured Motorist Coverage – Grouped with uninsured motorist coverage.

Personal Injury Protection – $2,500 limit.

The above limits do not include comprehensive or collision insurance which provide coverage for your own property in the event of an accident or covered incident. Additionally, if you lease or finance your vehicle, your lender may require more coverage than what’s listed above.

Below, you’ll see the average annual cost of minimum car insurance at the top insurance companies in Gaithersburg.

Average Annual Premiums for Minimum Coverage

Annual rates for a 35-year-old male driving a 2023 RAV4, estimated using publicly sourced data from First Interpreter.

They are estimates, not actual quotes. Accurate as of January 2024. 

Cheapest full coverage insurance in Gaithersburg

Most drivers choose to purchase a full coverage car insurance policy, which generally has higher limits than the minimum requirements and provides coverage for their own property in an accident they cause or a covered incident like theft or weather damage.

We use these limits for a full coverage policy:

  • $100k/300k/100k for liability insurance
  • $500 deductible for comprehensive and collision insurance

In the table below, you’ll see the average annual cost of a full coverage car insurance policy at the top insurance companies in Gaithersburg.

Average Annual Premiums for Full Coverage

Annual rates for a 35-year-old male driving a 2023 RAV4, estimated using publicly sourced data from First Interpreter.

They are estimates, not actual quotes. Accurate as of January 2024. 

Local car insurance agents in Gaithersburg

Choosing to work with a local insurance agent offers a range of benefits for Gaithersburg residents:

Local knowledge

Your agent will better understand the unique factors influencing insurance needs in Gaithersburg, MD

Personalized experience

Local agents establish strong relationships with their clients which helps them address your specific concerns, and tailor insurance coverage to your unique needs

Peace of mind

In times of need, your local agents will be a familiar face that can guide you through the claims process and provide support

Recommended agents in Gaithersburg

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Other local agents in Gaithersburg

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Factors that impact insurance cost in Gaithersburg​

Where you live is one of the most significant factors that insurance companies consider when determining your car insurance premium.

Car insurance laws are set at the state-level, and the rating plans insurance companies use to calculate individuals’ rates are approved by the state department of insurance, so the state you live in has a big impact on the price you pay for car insurance.

However, even the city and zip code you live in can make a difference on your premium. The impact your zip code has on car insurance rates is influenced by several factors:

Population

Areas with higher population density often have more traffic, increasing the likelihood of accidents. With a population of 136,848, Gaithersburg’s higher population may lead to higher car insurance rates.

Traffic Patterns

Insurance companies analyze the traffic patterns in different zip codes. Areas with heavy traffic and a high frequency of accidents may have higher insurance rates.

Crime Rates

Crime rate – especially rates of auto theft and vandalism – can affect insurance premiums. Higher crime rates may result in higher premiums.

Uninsured Motorist Rates

If there are a high percentage of uninsured drivers, insurance rates may be higher to account for the increased risk. According to III, 14.1% of drivers in Maryland are uninsured.

Additionally, the weather and road conditions in Gaithersburg and claims history in your specific zip code may impact your rates. It’s important to note that each insurance company may weigh these factors differently when determining rates, and the specific impact of zip code can vary from one company to another.

Take our short quiz to see what factors impact your car insurance premium in Gaithersburg, MD

Take our short quiz to see what factors impact your car insurance premium in Gaithersburg, MD

Cheap car insurance by factor

Car insurance in Gaithersburg by age

Your age has a significant impact on the price you’ll pay for car insurance. In general, young drivers will pay the most for car insurance until about age 25 when car insurance rates start to level out. From age 25 on, rates tend to decrease each year until the mid-50s when drivers tend to pay the lowest rates. From age 60 on, rates will slowly rise again.

Cheapest car insurance for teens in Gaithersburg

Teenage drivers pay the most for car insurance in Gaithersburg. Below, you’ll see the average cost of car insurance for a 17-year-old driver on their own policy at the top insurance companies in Gaithersburg.

Average Annual Premium for Teen Drivers

Annual rates for a 17-year-old male driving a 2023 RAV4, estimated using publicly sourced data from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

Car insurance in Gaithersburg by credit score

In most states, car insurance companies can use credit score as a rating factor. In those states, drivers with poor credit scores (580 and below) pay more than those with good credit scores (670-739). Those with excellent credit scores save the most on car insurance.

Car insurance in Gaithersburg by marital status

On average, married couples tend to save on car insurance. In Gaithersburg, married drivers save -27.23% on car insurance when they combine their policies, compared to what they would spend on two individual policies. 

Just married on back of car

Car insurance in Gaithersburg and gender

In most states, car insurance companies can use the sex described on your driver’s license as a rating factor. However, other factors – like your vehicle and driving record – tend to have a bigger impact on the price you pay for car insurance.

Average rates each gender pays for car insurance in Gaithersburg:

How to save money on car insurance in Gaithersburg

Insurance companies use a variety of factors – from the vehicle you drive to your driving record – to determine your insurance premiums. This means that the cheapest company for you might be different than the cheapest company for your friend or neighbor.

The best way to save on car insurance in Gaithersburg is to compare quotes from leading insurance companies. Rate Retriever makes it easy for you to compare rates at each of the top companies based on your unique driver profile.

Gaithersburg auto insurance shopping made easy

Based on your answers to our short quiz, we’ll estimate how much you’ll pay at each of the top providers near you, so you can find the best price for the coverage you need.

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Maryland car insurance laws

What auto insurance laws are in Maryland?

The minimum car insurance requirements in Maryland are: Bodily Injury Liability – $30,000 limit per person/$60,000 limit per accident. Property Damage Liability – $15,000 limit. Uninsured Motorist Coverage – $30,000 limit per person/$60,000 limit per accident; Property damage: $15,000 limit. Underinsured Motorist Coverage – Grouped with uninsured motorist coverage. Personal Injury Protection – $2,500 limit.

How long do you have to get insurance in Maryland?

Typically, you will be granted 30 days to get car insurance for a new car in MD.

What is the fine for not having car insurance in Maryland?

Driving without insurance is a misdemeanor in MD. If you are convicted of driving without insurance, you will be subject to a fine up to $1,000.

Methodology

Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive. 

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score, driving a 2023 RAV4.  

These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile. 

Gaithersburg zip codes evaluated

When analyzing Gaithersburg rates, we used the following zip codes:

20877, 20878, 20879, 20882

Sources