Gaithersburg, MD Car Insurance

On average, Gaithersburg drivers pay a monthly average rate of around $91 for their car insurance. For information on policy rates, coverage, and more check out our guide below.
What can Gaithersburg residents expect to pay for their car insurance? Are rates in Gaithersburg higher or lower than those in neighboring areas? How do they compare to the rest of Maryland? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Gaithersburg?

Area Average Monthly Car Insurance Premium
Gaithersburg$91
MD$120
United States$80

Based on the chart above, you can see that coverage in Gaithersburg typically costs about $29 a month less than it does in the rest of Maryland.

On the other hand, the expected monthly payments for an auto insurance policy in Gaithersburg are above the national average. The average monthly payment in Gaithersburg is about $11 more expensive than the rate for the rest of the U.S.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't worry, we've done the work for you and broken down the average rates for Gaithersburg to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$137
25-34$85
35-44$86
45-54Not Enough Data
55-64$62
65+$54

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates start to rise again in Gaithersburg.

Average Car Insurance Rates by Gender

Gender Average
Male$92
Female$91

In general, female drivers pay less for car insurance than their male counterparts. In Gaithersburg, however, the difference in monthly policy premiums is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$118
Multiple Accidents$139
1 Ticket$118
Multiple Tickets$221

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records can expect to pay less than those with accidents or violations. In Gaithersburg, a driving record with a single accident will usually get you a rate around $118 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $118.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$156
2-3 Years$95
4-5 Years$118
6-7 Years$89
8-10 Years$87
11-14 Years$87
15 Years or Older$83

The cheapest vehicles to insure in Gaithersburg are typically trucks and vans, with each type typically costing about $73 per month.

SUV drivers will see rates of about $91 for car insurance, while car owners by and large pay around $92 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. Once your car is around 5 years old, however, you may see your rates begin to drop back down. In Gaithersburg, 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)$100
Married$75
Divorced$73
Widowed$50

More often than not, people who are married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Gaithersburg is about $25 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$80
Rent$101
Live with parents$94

Another factor taken into consideration is your living accommodations. In Gaithersburg, homeowners can expect to pay around $21 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Gaithersburg, MD

Recent trends in car insurance for Gaithersburg drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The rates for car insurance in Gaithersburg rose from 2016-2017, where they hit a high of $81, before steadying out in 2018. Car insurance rates increased again in 2019, and finished down at $116 in 2021.

How does Gaithersburg compare to neighboring areas?

Why are car insurance rates in Gaithersburg different from other areas?

Car insurance companies take in many factors when figuring out how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

  • Prevalence of crime
  • Amount of drivers in the area
  • Off-street parking access
  • Local regulations
  • Road Safety (frequency of local car accidents)

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Gaithersburg?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

But hold on! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Gaithersburg.

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Gaithersburg Insurance FAQs

What factors affect car insurance quotes in Gaithersburg?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, 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 Gaithersburg different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.

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

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Gaithersburg?

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 Gaithersburg 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.

Find your best rate in just a few minutes