Cheap Auto Insurance Quotes in Gaithersburg, MD (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Old Line State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes

Car Insurance in Gaithersburg, 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 Gaithersburg, MD to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$106
$143
$156
$185
$237
State FarmProgressiveTravelersNationwideLiberty Mutual
Monthly $

Cheapest Car Insurance in Gaithersburg, MD

Here are the cheapest carriers in Gaithersburg 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)
$197
$280
$164
$154
$196
$191
MarylandBaltimoreColumbiaGermantownSilver SpringGaithersburg
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Gaithersburg, MD Driving Facts

maryland

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. 

Find local Gaithersburg agents

McDaniel Group, Inc.
16041 Comprint Cir, Gaithersburg, MD 20877
Capitol Benefits, LLC
364 Main St 2nd floor, Gaithersburg, MD 20878
Allied Partners Insurance Inc
845 Quince Orchard Blvd Ste M, Gaithersburg, MD 20878
Dave Vidmar State Farm® Insurance Agent
9 N Summit Ave, Gaithersburg, MD 20877
Nationwide Insurance: Rogers & Goldbach Ins Assoc
424 N Frederick Ave #1A, Gaithersburg, MD 20877
Walker-Poole Insurance
18310 Montgomery Village Ave Suite 360, Gaithersburg, MD 20879
Nationwide Insurance: David W Kushner
60 Market St Ste 203, Gaithersburg, MD 20878
Farmers Insurance - Joshua Fitzpatrick
12 S Summit Ave Ste 100-A31, Gaithersburg, MD 20877
Nazar Insurance Agency
1 E Diamond Ave, Gaithersburg, MD 20877
Venice Mundle-Harvey: Allstate Insurance
18564 Office Park Dr, Gaithersburg, MD 20886

Insurify Insights: How Gaithersburg Drivers Measure Up

toyota
Toyota Corolla
Most Popular Car in
Gaithersburg, MD
suspended licenses
#26
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 Gaithersburg 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 Gaithersburg

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. Gaithersburg drivers rank 37 in the number of car accidents per driver across all cities in Maryland.

  • Rank within state: #37
  • Percent of drivers in Gaithersburg with an accident: 12.37%
  • Drivers in Gaithersburg, MD with an accident in their driving history paid on average 32.69% more than drivers with a clean record

Speeding Gaithersburg

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Maryland, Gaithersburg drivers rank 8 in the number of speeding infractions per driver.

  • Rank within state: #8
  • Percent of drivers in Gaithersburg with a speeding ticket: 13.08%
  • Drivers in Gaithersburg, MD with a speeding ticket in their driving history paid on average 32.69% more than drivers with a clean record

DUI/DWIs Gaithersburg

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Gaithersburg drivers rank 21 in the number of DUI’s per driver across all cities in Maryland.

  • Rank within state: #21
  • Percent of drivers in Gaithersburg with a DUI: 1.43%
  • Drivers in Gaithersburg, MD with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Gaithersburg

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

Rude Gaithersburg

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Maryland, Gaithersburg drivers rank 8 in rude driving infractions.

  • Rank within state: #8
  • Percent of drivers in Gaithersburg with a reckless driving violation: 1.55%
  • Drivers in Gaithersburg, MD with a reckless driving violation in their driving history paid on average 46.63% more than drivers with a clean record.

Safest Drivers Gaithersburg

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Gaithersburg drivers rank 9 in clean driving records across all cities in Maryland.

  • Rank within state: #9
  • Percent of drivers in Gaithersburg with clean record: 78.24%

Failure to Yield the Right of Way Gaithersburg

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Gaithersburg drivers rank 7 in failure to yield violations per driver across all cities in Maryland.

  • Rank within state: #7
  • Percent of drivers in Gaithersburg with a failure to yield violation: 0.36%
  • Drivers in Gaithersburg, MD with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Gaithersburg

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Maryland, Gaithersburg drivers rank 8 in the number of reckless driving offenses per driver.

  • Rank within state: #8
  • Percent of drivers in Gaithersburg with a reckless driving offense: 0.12%

Hybrid/Electric Vehicle Ownership Gaithersburg

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Gaithersburg drivers rank 19 in hybrid and electric vehicle ownership across all cities in Maryland.

  • Rank within state: #19
  • Percent of drivers in Gaithersburg with a hybrid/electric vehicle: 1.75%

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.