Compare Gaithersburg, MD Car Insurance Rates (2021)

Car insurance in Gaithersburg, MD averages $386 a month. Gaithersburg, Maryland car insurance requirements are 30/60/15, but you might need full coverage insurance if your car is financed. To find cheap Gaithersburg car insurance rates, compare quotes from the top car insurance companies in Gaithersburg, MD.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Gaithersburg, MD after a DUI are $5,447/year
  • The cheapest ZIP code in Gaithersburg is 20882
  • Average car insurance rates in Gaithersburg, MD are $4,633/year

If you need to buy Gaithersburg, Maryland car insurance, the options can be confusing. Everything you need to know about car insurance in Gaithersburg, MD is right here.

You’ll find Gaithersburg car insurance rates, the cheapest Gaithersburg, MD car insurance companies, and information on Maryland car insurance laws. You can also compare Gaithersburg, Maryland car insurance rates to Rockville car insurance rates, Greenbelt car insurance rates, and Salisbury car insurance rates.

Ready to find affordable Gaithersburg, MD car insurance today? Enter your ZIP code for fast, free Gaithersburg car insurance quotes.

Cheapest Gaithersburg, MD Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Gaithersburg, MD car insurance rates? Every Gaithersburg, Maryland car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Gaithersburg, Maryland

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,381 $3,242 $3,227 $3,311 $9,920 $11,628 $3,031 $3,076
GEICO $2,361 $2,587 $2,696 $3,124 $7,220 $8,204 $2,029 $2,126
Liberty Mutual $6,509 $6,509 $6,435 $6,435 $12,609 $18,673 $6,509 $8,757
Nationwide $2,049 $2,053 $1,855 $1,906 $4,855 $6,352 $2,376 $2,555
Progressive $2,521 $2,261 $2,196 $2,248 $9,100 $9,919 $2,926 $2,837
State Farm $2,585 $2,585 $2,386 $2,386 $8,235 $10,521 $2,891 $3,254
USAA $2,062 $2,021 $1,931 $1,920 $4,619 $5,443 $2,365 $2,634

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Minimum Car Insurance in Gaithersburg, MD

Every driver must carry the minimum car insurance in Gaithersburg, MD. Take a look at the Maryland car insurance requirements.

Minimum Required Car Insurance Coverage in Gaithersburg, Maryland

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Gaithersburg, MD Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Gaithersburg, MD. Compare credit history car insurance rates in Gaithersburg from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Gaithersburg, Maryland

Insurance Company Poor Fair Good
Allstate $6,602 $4,616 $4,088
GEICO $4,300 $3,562 $3,519
Liberty Mutual $12,954 $8,337 $5,872
Nationwide $3,836 $2,713 $2,452
Progressive $5,352 $4,028 $3,373
State Farm $6,368 $3,781 $2,917
USAA $3,827 $2,630 $2,167

Cheapest Gaithersburg, MD Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Gaithersburg, MD to rates for a clean record with top companies.

Annual Gaithersburg, Maryland Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,514 $6,005 $4,514 $5,374
GEICO $2,682 $4,192 $5,126 $3,173
Liberty Mutual $6,484 $8,562 $12,946 $8,226
Nationwide $2,641 $3,542 $2,825 $2,992
Progressive $3,626 $4,825 $4,380 $4,173
State Farm $3,897 $4,915 $4,304 $4,304
USAA $2,258 $2,777 $4,033 $2,431

Cheapest Gaithersburg, MD Car Insurance for Teen Drivers

Teen car insurance in Gaithersburg, MD can be expensive. Take a look at rates from the top car insurance companies in Gaithersburg for teenagers.

Annual Car Insurance Rates for Teen Drivers in Gaithersburg, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,920 $11,628
GEICO $7,220 $8,204
Liberty Mutual $12,609 $18,673
Nationwide $4,855 $6,352
Progressive $9,100 $9,919
State Farm $8,235 $10,521
USAA $4,619 $5,443

Cheapest Gaithersburg, MD Car Insurance for Seniors

Take a look at Gaithersburg, MD senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Gaithersburg, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,227 $3,311
GEICO $2,696 $3,124
Liberty Mutual $6,435 $6,435
Nationwide $1,855 $1,906
Progressive $2,196 $2,248
State Farm $2,386 $2,386
USAA $1,931 $1,920

Cheapest Gaithersburg, MD Car Insurance Rates After a DUI

A DUI in Gaithersburg, MD increases car insurance rates. Compare Gaithersburg, Maryland DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Gaithersburg, Maryland

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,514
GEICO $5,126
Liberty Mutual $12,946
Nationwide $2,825
Progressive $4,380
State Farm $4,304
USAA $4,033

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Cheapest Gaithersburg, MD Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Gaithersburg, MD by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Gaithersburg, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,030 $5,174
GEICO $3,732 $3,855
Liberty Mutual $8,813 $9,296
Nationwide $3,000 $3,000
Progressive $4,251 $4,251
State Farm $4,244 $4,467
USAA $2,786 $2,963

Cheapest Gaithersburg, MD Car Insurance Rates by ZIP Code

Gaithersburg car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Gaithersburg, MD.

Annual Car Insurance Rates by ZIP Code in Gaithersburg, Maryland

ZIP Code Average Annual Rates
20877 $4,056
20878 $3,818
20879 $3,994
20882 $3,786

The Best Cheap Car Insurance Companies in Gaithersburg, MD

Take a look at a side-by-side comparison of the top car insurance companies in Gaithersburg, MD to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Gaithersburg, Maryland

Insurance Company Average Annual Rates
Allstate $5,102
GEICO $3,793
Liberty Mutual $9,055
Nationwide $3,000
Progressive $4,251
State Farm $4,355
USAA $2,875

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Category Winners: Cheapest Car Insurance in Gaithersburg, Maryland

Find the cheapest car insurance companies in Gaithersburg, MD for each category right here.

Best Annual Car Insurance Rates by Company in Gaithersburg, Maryland

Category Insurance Company
Teenagers USAA
Seniors Nationwide
Clean Record USAA
With 1 Accident USAA
With 1 DUI Nationwide
With 1 Speeding Violation USAA

Cheapest Gaithersburg, MD Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Gaithersburg car insurance rates. Find the cheapest Gaithersburg, MD car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Gaithersburg, Maryland

Insurance Company Low Medium High
Allstate $4,991 $5,076 $5,239
GEICO $3,658 $3,772 $3,951
Liberty Mutual $8,782 $9,032 $9,350
Nationwide $2,876 $3,008 $3,116
Progressive $4,044 $4,252 $4,457
State Farm $4,116 $4,368 $4,582
USAA $2,725 $2,884 $3,014

What affects car insurance rates in Gaithersburg, Maryland?

What factors can have an impact on Gaithersburg, MD car insurance? There are several reasons why Gaithersburg car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Gaithersburg, Maryland.

Commute Time in Gaithersburg

The more time you spend in your car the higher the risk of an accident. The average commute length in Gaithersburg, MD is 32.9 minutes according to City-Data.

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Compare Car Insurance Quotes in Gaithersburg, MD

Ready to find affordable Gaithersburg, Maryland car insurance today? Enter your ZIP code for fast, free Gaithersburg, MD car insurance quotes.

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