Cheapest Car Insurance In Gaithersburg, MD 2025
With an average monthly cost of $60, State Farm provides the cheapest minimum coverage car insurance in Gaithersburg.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the lowest-priced car insurance in Gaithersburg, MD, can be challenging, as prices differ widely.
State Farm offers the lowest rates for liability-only insurance, while Nationwide is the go-to for affordable full coverage. For young drivers, USAA provides the best pricing.
Cheapest Car Insurance Companies In Gaithersburg, MD 2025
Cheapest Liability-only Car Insurance In Gaithersburg: State Farm
State Farm stands out as the lowest-cost provider of minimum coverage car insurance in Gaithersburg, with an average price of $60 per month.
Use the following table to compare insurance rates from multiple providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $60 | $720 |
| Erie | $69 | $828 |
| Nationwide | $71 | $852 |
| Kemper | $74 | $888 |
| Progressive | $70 | $840 |
Cheapest Full Coverage Insurance Rates In Gaithersburg: Nationwide
At an average of $111 per month, Nationwide has the lowest rates for full coverage car insurance in Gaithersburg.
The table below highlights average insurance quotes from low-cost providers in Gaithersburg.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $111 | $1,332 |
| Travelers | $114 | $1,368 |
| GEICO | $113 | $1,356 |
| Kemper | $126 | $1,512 |
| State Farm | $116 | $1,392 |
Cheapest Car Insurance Rates For Seniors: Clearcover
With an average monthly rate of $80, Clearcover provides the lowest car insurance prices for seniors in Gaithersburg.
The following table highlights average insurance quotes from budget-friendly providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $80 | $960 |
| State Farm | $144 | $1,728 |
| Liberty Mutual | $135 | $1,620 |
| Erie | $146 | $1,752 |
| USAA | $82 | $984 |
Cheapest Rates In Gaithersburg For Teenagers: Clearcover
With an average monthly cost of $128, Clearcover provides the cheapest car insurance quotes for teen drivers in Gaithersburg.
The following table displays the insurers with the cheapest rates for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $128 | $1,536 |
| Erie | $320 | $3,840 |
| State Farm | $348 | $4,176 |
| USAA | $174 | $2,088 |
| Penn National | $410 | $4,920 |
Cheapest Auto Insurance For Young Adults in Gaithersburg: USAA
USAA is the best option for budget-friendly car insurance for young adults in Gaithersburg, with rates around $112 per month.
Check the table below to find and compare the lowest auto insurance rates for young adults in Gaithersburg.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $112 | $1,344 |
| Safeco | $189 | $2,268 |
| State Farm | $215 | $2,580 |
| Clearcover | $143 | $1,716 |
| Erie | $223 | $2,676 |
Cheapest Car Insurance In Gaithersburg For Good Drivers: State Farm
With an average monthly rate of $60, State Farm provides the cheapest car insurance quotes for good drivers in Gaithersburg.
Use the table below to explore average insurance rates from the most affordable companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $60 | $720 |
| Erie | $69 | $828 |
| Nationwide | $71 | $852 |
| Kemper | $74 | $888 |
| Progressive | $70 | $840 |
Find affordable Gaithersburg rates
Cheapest Car Insurance In Gaithersburg After A Speeding Ticket: State Farm
At just $127 per month on average, State Farm is one of the most budget-friendly options in Gaithersburg for drivers with a speeding ticket.
Use the table below to explore average car insurance costs for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $127 | $1,524 |
| Progressive | $224 | $2,688 |
| Travelers | $202 | $2,424 |
| Erie | $176 | $2,112 |
| Allstate | $410 | $4,920 |
Cheapest For Drivers With After At-Fault Accident: State Farm
If you have an at-fault incident, State Farm provides the cheapest car insurance, with an average monthly cost of $143.
Here’s a list of insurance providers with the cheapest premiums for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $143 | $1,716 |
| Nationwide | $350 | $4,200 |
| Travelers | $224 | $2,688 |
| GEICO | $250 | $3,000 |
| Allstate | $620 | $7,440 |
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Cheapest Rates In Gaithersburg For Drivers After A DUI: Erie
Erie offers the lowest car insurance premiums for drivers with a DUI in Gaithersburg, at about $175 per month.
Gaithersburg drivers with a DUI can compare the cheapest insurance options in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $175 | $1,896 |
| Progressive | $189 | $2,268 |
| National General | $231 | $2,772 |
| Nationwide | $322 | $3,864 |
| Allstate | $279 | $3,348 |
Best Car Insurance Companies In Gaithersburg
The lowest car insurance rates in Gaithersburg start with State Farm at $60 per month, but Travelers ($65) and GEICO ($66) are also competitive choices.
Listed below are the 10 best car insurance companies in Gaithersburg, MD, ranked based on their average monthly costs.
| Company | Monthly Premium |
| State Farm | $60 |
| Erie | $69 |
| Nationwide | $71 |
| Kemper | $74 |
| Progressive | $70 |
| GEICO | $66 |
| Travelers | $65 |
| Allstate | $190 |
| USAA | $70 |
| Safeco | $112 |
Average Auto Insurance Rates In Gaithersburg – By Age
One of the biggest influences on car insurance costs is age. Since younger drivers are more likely to be involved in accidents, they face steeper premiums. For instance, teenagers pay approximately $3,116 per year for coverage.
Insurance costs generally decline for drivers once they reach 25, assuming they have a history of safe driving.
The lowest car insurance rates are often available to drivers in their 50s and early 60s, as insurers use age to determine driving experience and risk levels.
| Age | Average Yearly Rate |
| Teenagers | $3,116 |
| 20s | $2,294 |
| 30s | $1,422 |
| 40s | $1,461 |
| 50s | $1,367 |
| 60s | $1,399 |
| 70s | $1,362 |
Average Rates In Gaithersburg – By Vehicle
Insurance companies set premiums based on your vehicle’s specifications, including its make, model, year, and design. High-tech luxury cars and newer models usually come with steeper insurance costs.
Use the table below to see how insurance rates vary in Gaithersburg for different kinds of vehicles.
| Vehicle | Average Monthly Rate |
| Chevrolet Camaro | $200 |
| Audi A4 | $100 |
| Ford Fusion | $181 |
| Toyota Camry | $84 |
| Toyota Rav4 | $136 |
How Much Is Car Insurance In Other Cities in Maryland?
Car insurance premiums vary by location, as insurers consider factors like accident frequency, theft rates, and vandalism. Urban areas with higher risks often see steeper insurance costs.
On average, drivers in Baltimore spend $203 per month on car insurance, compared to $113 for those living in Cumberland.
| City | Average Monthly Rate |
| Rockville | $132 |
| Bethesda | $127 |
| Silver Spring | $156 |
| Capitol Heights | $195 |
| Baltimore | $203 |
| Columbia | $180 |
| Hyattsville | $191 |
| Bowie | $167 |
| Cumberland | $113 |
| Upper Marlboro | $175 |
Average Cost Of Auto Insurance In Gaithersburg – By Zip Code
Car insurance rates are influenced by zip codes, as insurers analyze local crime statistics to determine risk.
Check the table below for average car insurance costs in different Gaithersburg zip codes.
| Zip Code | Average Monthly Rate |
| 20877 | $152 |
| 20886 | $140 |
| 20878 | $117 |
| 20882 | $176 |
| 20879 | $149 |
Find affordable Gaithersburg rates
Our Methodology
Through a detailed evaluation of pricing, service quality, product offerings, and user reviews, I’ve created an in-depth analysis of car insurance providers in Gaithersburg, MD.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Gaithersburg?
Gaithersburg drivers can get the most budget-friendly minimum coverage from State Farm, while Nationwide provides the lowest-cost full coverage, including comprehensive and collision protection.
What is the average cost of car insurance in Gaithersburg?
The typical cost of car insurance in Gaithersburg is around $140 per month, though rates fluctuate based on zip code, vehicle details, and driving history.
