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How much is car insurance in Fort Washington?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Fort Washington typically costs about $9 a month less than it does in the rest of Maryland.
That being said Fort Washington residents will likely pay higher rates to insure their vehicle than in the rest of the country. The average monthly payment in Fort Washington is about $32 more expensive than the rate for the rest of the U.S.
While these are the average car insurance rates for Fort Washington, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
But worry not, we've done the heavy lifting and broken down the average rate for Fort Washington to help you understand what exactly you might be asked to 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 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $88 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may climb back up a bit in Fort Washington.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for insurance coverage, in Fort Washington men actually pay $110 per month for coverage while women pay $117.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Fort Washington with one accident will pay around $129 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $139.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$191|
|15 Years or Older||$115|
If you look at the first table above, the cheapest vehicles to insure in Fort Washington are by and large trucks and vans, at $103 per month.
Car owners can expect to pay an average of around $111 a month for their policy, while SUVs usually cost around $132 a month to insure.
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Fort Washington, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$121|
Generally speaking, people who are married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
The cost of auto insurance in Fort Washington reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $23 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$148|
Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $5 a month less than homeowners in Fort Washington. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Fort Washington, MD
Recent trends in car insurance for Fort Washington drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
The cost of auto insurance in Fort Washington have been mixed as of late, it fell in 2017, increased in 2019, and declined again in 2021, before finishing at $121 in 2022.
How does Fort Washington compare to neighboring areas?
Why are car insurance rates in Fort Washington different from other areas?
There are many factors car insurance companies take into consideration when deciding how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:
- Crime rates
- Number of drivers in the community
- Road safety
- Regional regulations
- Off-street parking access
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Fort Washington?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing coverage in Fort Washington.
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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, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Fort Washington different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Fort Washington?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use 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 relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Fort Washington or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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