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.

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Updated: 25 February 2025
Written by Bob Phillips
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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 Car Insurance, Gaithersburg 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

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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

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

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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.

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Quotes Analyzed

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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.

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