Cheap Auto Insurance Quotes in Bethesda, MD (2021)

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Car Insurance in Bethesda, MD

The average cost of Maryland car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Bethesda, MD to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
State FarmProgressiveTravelersNationwideThe General
Monthly $

Cheapest Car Insurance in Bethesda, MD

Here are the cheapest carriers in Bethesda for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
MarylandBaltimoreColumbiaGermantownSilver SpringBethesda
Monthly $

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Bethesda, MD Driving Facts


Minimum Car Insurance Requirements in MD

All motor vehicles operated or parked on Maryland roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Maryland are as follows:

  • $30,000 per person/$60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Maryland state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Maryland law.

  • $15,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Maryland is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage is required in Maryland. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Maryland, the legally required level of Uninsured Motorist coverage is:

  • $30,000 per person/$60,000 per accident for Bodily Injury
  • $15,000 per accident for Property Damage

Uninsured/underinsured motorist coverage is recommended in the state of Maryland through the forms of:

  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

Personal injury protection (PIP) coverage is also required in MarylandPIP can help cover medical costs after an accident for you and your passengers, regardless of fault. $2,500 is the minimum coverage required by Maryland law. 

Insurify Insights: How Bethesda Drivers Measure Up

Toyota Camry
Most Popular Car in
Bethesda, MD
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Bethesda drivers measure up to their fellow Maryland motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Bethesda

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Bethesda drivers rank 45 in the number of car accidents per driver across all cities in Maryland.

  • Rank within state: #45
  • Percent of drivers in Bethesda with an accident: 11.67%
  • Drivers in Bethesda, MD with an accident in their driving history paid on average 8.85% more than drivers with a clean record

Speeding Bethesda

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Maryland, Bethesda drivers rank 22 in the number of speeding infractions per driver.

  • Rank within state: #22
  • Percent of drivers in Bethesda with a speeding ticket: 11%
  • Drivers in Bethesda, MD with a speeding ticket in their driving history paid on average 20.31% more than drivers with a clean record

DUI/DWIs Bethesda

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Bethesda drivers rank 51 in the number of DUI’s per driver across all cities in Maryland.

  • Rank within state: #51
  • Percent of drivers in Bethesda with a DUI: --%
  • Drivers in Bethesda, MD with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Bethesda

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Bethesda is the Toyota Camry.

Hybrid/Electric Vehicle Ownership Bethesda

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Bethesda drivers rank 1 in hybrid and electric vehicle ownership across all cities in Maryland.

  • Rank within state: #1
  • Percent of drivers in Bethesda with a hybrid/electric vehicle: 7.11%

Green Driving in Bethesda, MD

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Maryland offers many green driver incentives, including federal tax credits, voucher programs, and discounts through some car insurance carriers.

Greenes Cities


Greenes Cities
% of Hybrids / Electrics

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.