Gaithersburg, MD Car Insurance

The average cost for car insurance in Gaithersburg is about $92 a month. To learn more about policy rates and coverage in the Gaithersburg area, continue reading our guide below.
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What rates can residents of Gaithersburg 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$92
MD$122
United States$81

The cost of coverage in Gaithersburg is about $30 a month cheaper than it is for the rest of Maryland.

The average cost of insuring your vehicle in Gaithersburg is above the national rate. Coverage in Gaithersburg is about $11 more expensive than it is for the rest of the U.S.

While these are the average monthly costs for auto insurance coverage in Gaithersburg, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've analyzed the average rate for Gaithersburg and broken down the different factors 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 for your area, simply enter your ZIP below and find out!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$138
25-34$87
35-44$89
45-54$74
55-64$63
65+$55

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may creep back up a bit in Gaithersburg.

Average Car Insurance Rates by Gender

Gender Average
Male$93
Female$90

Car insurance rates for men are usually slightly more expensive than they are for women. In Gaithersburg, although women do pay slightly less on their monthly insurance rates, the price is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$118
Multiple Accidents$151
1 Ticket$108
Multiple Tickets$148

One of the key factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Gaithersburg, drivers with one accident on their record will experience rates around $118 a month. Likewise, drivers with one ticket will be looking at a rate of around $108 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$152
2-3 Years$92
4-5 Years$119
6-7 Years$91
8-10 Years$88
11-14 Years$91
15 Years or Older$82

If you look at the first table above, the cheapest vehicles to insure in Gaithersburg are usually trucks and vans, at $76 per month.

SUV drivers will see rates of about $90 for auto insurance coverage, while car owners typically pay around $94 a month.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Gaithersburg are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$100
Married$76
Divorced$71
Widowed$50

On average, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Gaithersburg as well, where the difference is around $24 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$83
Rent$99
Live with parents$95

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $16 a month more than if you own your own home in Gaithersburg. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Gaithersburg, MD

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

In Gaithersburg, car insurance rates increased from 2019-2020, but began to decrease in 2021. This trend has continued through 2022 when rates have most recently reached $88.

How does Gaithersburg compare to neighboring areas?

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

There are several factors car insurance companies take into consideration when choosing how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:

  • Number of drivers
  • Off-street parking accessibility
  • Laws
  • Area crime rates
  • Road Safety (frequency of local car accidents)

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.

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 to request a quote from a car insurance company.

Luckily, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing auto coverage in Gaithersburg.


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Gaithersburg Insurance FAQs

What factors affect car insurance quotes in Gaithersburg?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, marital status, and address.

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 crime rates, parking situations, and local laws 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?

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 Gaithersburg?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 Gaithersburg or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

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