Fort Washington, MD Car Insurance

The average monthly cost for car insurance in Fort Washington is about $110. Learn more in our handy guide below.
What rates can residents of Fort Washington expect to pay for their car insurance? Compared to their surrounding area, how do rates in Fort Washington stack up? What about against the rest of Maryland? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Fort Washington?

Area Average Monthly Car Insurance Premium
Fort Washington$110
MD$120
United States$80

Based on the above chart, auto insurance policies in Fort Washington are about $10 a month cheaper than in the rest of Maryland.

If you're considering relocating to Fort Washington from out of state, you may want to budget a little extra for your insurance. It's about $30 more for coverage in Fort Washington than in the rest of the U.S.

Bear in mind that while these rates represent the expected monthly payments for residents of Fort Washington, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down the average rate for Fort Washington residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$168
25-34$127
35-44$102
45-54$100
55-64$66
65+$79

The more time you've spent on the road, the more experience you have. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may start to rise again in Fort Washington.

Average Car Insurance Rates by Gender

Gender Average
Male$105
Female$117

While women typically pay less than men do for auto insurance, Fort Washington goes against the grain. Female drivers typically pay around $12 more a month for insurance coverage than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$136
Multiple Accidents$182
1 Ticket$153
Multiple Tickets$136

Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Fort Washington with a single accident on their record will usually see rates around $136 a month. Likewise, drivers with one ticket will be looking at a rate of around $153 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$225
2-3 Years$121
4-5 Years$90
6-7 Years$121
8-10 Years$90
11-14 Years$99
15 Years or Older$117

If you look at the first table above, the cheapest vehicles to insure in Fort Washington are usually trucks and vans, at $84 per month.

SUV drivers will see rates of about $134, while the rates for car owners average out to about $108 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Fort Washington, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$117
Married$99
Divorced$101
Widowed$51

Generally, car insurance is slightly cheaper for married policyholders. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Fort Washington can be as much as $18 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$110
Rent$102
Live with parents$151

One other element taken into consideration is your living accommodations. Renters can expect to pay around $8 a month less than drivers who own property in Fort Washington. But if you live with your parents, you can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.

Car Insurance Companies in Fort Washington, MD

Recent trends in car insurance for Fort Washington drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

Car insurance rates in Fort Washington had been increasing from 2016-2017, and rose again, from 2019-2020. They finished down in 2021, at $116 a month.

How does Fort Washington compare to neighboring areas?

Why are car insurance rates in Fort Washington different from other areas?

Car insurance companies will take into account several factors when choosing how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:

  • Number of car accidents
  • Crime
  • Number of drivers in the area
  • Off-street parking access
  • Local regulations

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Fort Washington?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com has you covered. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer plans in Fort Washington in no time.

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Fort Washington Insurance FAQs

What factors affect car insurance quotes in Fort Washington?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Fort Washington different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Fort Washington?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Fort Washington?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Fort Washington or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes