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How much is car insurance in Rockville?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Rockville are about $39 a month cheaper than in the rest of Maryland.
On the flip side, residents of Rockville might expect to pay higher rates for coverage than the rest of the country. It's about $1 more expensive for coverage in Rockville than the average rates for the U.S. as a whole.
Although these are the average rates for auto insurance in Rockville, it's important to remember that you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
We've done the heavy lifting for you and broken down the average rate for Rockville so that you can get a more accurate idea of what your monthly bill might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. Drivers in Rockville may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Rockville, however, the difference in monthly policy premiums is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Rockville with a single accident on their record will usually see rates around $106 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $143 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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||$102|
|15 Years or Older||$83|
The most affordable vehicles to insure in Rockville are by and large SUVs, which run about $69 per month.
Car owners can expect to pay an average of around $84 a month for their policy, while truck and van drivers are usually around $76 to insure each month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Rockville, 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)||$88|
Generally speaking, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Rockville, with married couples paying about $21 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$114|
Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $26 a month more than homeowners in Rockville. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Rockville, MD
Recent trends in car insurance for Rockville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
The cost of car insurance coverage in Rockville rose from 2016-2017, where it hit a high of $83, before steadying out in 2018. Policy premiums had been increasing again in 2019, and finished down at $76 in 2021.
How does Rockville compare to neighboring areas?
Why are car insurance rates in Rockville different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Access to off-street parking
- Total amount of drivers in the community
- Crime levels
- Road Safety (frequency of local car accidents)
- Local laws
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. 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 Rockville?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing auto coverage in Rockville in no time.
Rockville Insurance FAQs
What factors affect car insurance quotes in Rockville?
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 vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Rockville 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, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Rockville?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Rockville?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Rockville or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.