Germantown, MD Car Insurance

Drivers in Germantown pay around $84 a month for their car insurance. We cover plan rates, policies and more in our guide below.
What rates can residents of Germantown expect to pay for their car insurance? How does Germantown stack up to the rest of the area, or even Maryland as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Germantown?

Area Average Monthly Car Insurance Premium
Germantown$84
MD$120
United States$80

According to the chart above, the average cost of auto insurance in Maryland is about $36 a month more expensive than it is in Germantown.

Compared to the national average cost of auto coverage, Germantown has higher rates. You can expect to pay about $4 more for your policy in Germantown.

Bear in mind that while these are the average car insurance rates for Germantown, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your monthly premium 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 Germantown and broken down the different factors to help you understand what your monthly bill might look like. And if you're not certain that you're paying the lowest option, 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$118
25-34$78
35-44$76
45-54Not Enough Data
55-64$63
65+$58

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 $60 more than someone who is retirement aged.

For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Germantown may see their rates climb back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$84
Female$85

On average, female drivers pay slightly less than male drivers for car insurance. In Germantown, although men do pay a bit less on their monthly premiums, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$87
Multiple Accidents$144
1 Ticket$96
Multiple Tickets$105

Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Germantown with one accident will pay around $87 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $96.

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$97
2-3 Years$97
4-5 Years$93
6-7 Years$95
8-10 Years$72
11-14 Years$86
15 Years or Older$83

According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Germantown, with drivers paying around $70 per month for insurance.

Meanwhile, Germantown drivers who own a car or SUV can expect to pay about $86 for auto insurance.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Germantown are vehicles less than or equal to one-year-old and two-to-three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$88
Married$76
Divorced$70
Widowed$41

Generally speaking, married policyholders will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Germantown is no exception, with the difference totaling to around $12 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$80
Rent$86
Live with parents$92

Another factor that comes into play is your living accommodations. If you rent your home or apartment in Germantown, expect to pay around $6 a month more than if you are a homeowner. But those who live at home with their parents can expect to pay significantly 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 average premiums.

Car Insurance Companies in Germantown, MD

Recent trends in car insurance for Germantown drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.

The rates for auto insurance in Germantown went up from 2016-2017, before steadying out in 2018. Rates began increasing again in 2019, and finished down in 2021, at $83 per month

How does Germantown compare to neighboring areas?

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

When considering how much to charge for a monthly rate, car insurance companies will consider many factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:

  • Road Safety (total number of local car accidents)
  • Regional crime rates
  • Community laws
  • Number of drivers in the community
  • Access to off-street parking

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Germantown?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Good news! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Germantown.

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Germantown Insurance FAQs

What factors affect car insurance quotes in Germantown?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Germantown 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 Germantown?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

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

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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Germantown or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

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