Gaithersburg Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Maryland has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Gaithersburg typically pay around $134.97 per month compared to the national average of $146.47 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Gaithersburg, MD Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Gaithersburg coming in around $88.56 per month. Other companies to consider if you live in Gaithersburg is Clearcover with an average cost of $103.69 per month and Erie which typically runs around $157.68 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Gaithersburg.

How Much is Car Insurance in Gaithersburg, MD?

Rates can vary from city to city. The residents of Annapolis typically pay $129.80 per month while people who live in Baltimore will pay $211.13 per month on average. See what people pay for car insurance in other cities in Maryland.

Cheap Car Insurance in Gaithersburg by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Maryland. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Gaithersburg

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $314.04 per month in Gaithersburg. Compare that to drivers in their 30’s who typically pay around $109.82 per month drivers in their 40s at $110.51 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Gaithersburg

If you are teen in Gaithersburg you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Clearcover typically charges around $126.48 per month. This is likely the most affordable option in Gaithersburg. You might also want to consider USAA and Erie who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Gaithersburg

20 year-olds in Gaithersburg might want to consider USAA who, on average, offers car insurance rates around $111.28 per month. Clearcover , State Farm , Erie and Safeco are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Gaithersburg

If you are in your 30s in Gaithersburg our research has found that USAA typically has the most affordable coverage coming in around $79.12 per month, followed by Clearcover at $97.85 and State Farm at $133.43.

Cheapest Insurance for 40 Year-olds in Gaithersburg

On average, USAA offers car insurance for 40 year-olds in Gaithersburg for around $75.64 per month. If you are looking for affordable coverage, you may also want to consider Clearcover or Erie. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Gaithersburg

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Gaithersburg we found that USAA generally offers the most affordable coverage at $69.19 per month.

Cheapest Insurance for 60 Year-olds in Gaithersburg

If you live in Gaithersburg and you’re in your 60s, our data indicates that USAA usually has the best rates at $78.89 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Gaithersburg, MD

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Gaithersburg, the average monthly rate for a driver who is currently insured is $125.24 while drivers who are not currently covered will pay around $153.66.

Compare Recent Car Insurance Quotes in Gaithersburg

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Gaithersburg a driver of a 2020 Honda Accord can expect to pay around $150.87 per month while someone that owns a 2022 Acura ILX may pay around $270.95 per month. Check out the list of recent quotes in Gaithersburg below.

FAQ's for Drivers in Gaithersburg, MD

What Is the Minimum Liability Coverage Requirement in Gaithersburg, MD?

Maryland requires vehicles to be insured at all times by a carrier licensed in the state. The minimum amount of insurance needed to fulfill financial responsibility is $30,000 of bodily injury per person and $60,000 of bodily injury to cover two or more people per accident. $15,000 of coverage for property damage is also required. Additionally, Maryland requires $2,500 in personal injury protection (PIP), but this coverage can be waived in some cases.

Maryland is an at-fault state. For policies renewed or written after January 1, 2011, uninsured motorist coverage in the amount of $30,000 bodily injury per person, $60,000 bodily injury per accident, and $15,000 property damage is required.

• $30,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
• $60,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
• $15,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

State law in Maryland may set the minimum coverage requirements, but that doesn’t necessarily mean that’s all you need. Lenders who provide financing for your vehicle often require additional coverage, so be sure to check with yours and consider these additional costs when calculating your monthly auto expenses.

What Is the Blood Alcohol Concentration (BAC) limit in Gaithersburg, MD?

It is illegal for individuals to operate a motor vehicle with the following BAC percentages:

• .08%+ at 21 years old or older
• .04%+ for commercial vehicle drivers
• .02%+ at under 21 years old

Maryland’s impaired driving laws are strict and aggressively enforced. You can be found impaired while under the influence of legal as well as illegal drugs, including alcohol, prescription medications, over-the-counter drugs, and recreational drugs.

What are the consequences of being convicted of a DUI?

Potential penalties for driving while impaired in Maryland include driver’s license suspension or revocation, CDL disqualification, fees, mandatory installation of an ignition interlock device, points on your license, jail time, mandatory participation in a drug or alcohol abuse program, and more.