Cheap Auto Insurance Quotes in Germantown, MD (2021)

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

Quotes by Top Carriers
Quotes ($/mo)
$96
$130
$137
$168
$170
State FarmProgressiveTravelersNationwideLiberty Mutual
Monthly $

Cheapest Car Insurance in Germantown, MD

Here are the cheapest carriers in Germantown 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)
$189
$280
$164
$196
$149
$154
MarylandBaltimoreColumbiaSilver SpringFrederickGermantown
Monthly $

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Germantown, 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 Germantown agents

Klinger Insurance Group
19785 Crystal Rock Drive, Suite 301, Germantown, MD 20874
CF Alliance Insurance Services, LLC
20300 Seneca Meadows Pkwy, Ste 205, Germantown, MD 20876
C Insurance
12410 Milestone Center Dr, Germantown, MD 20876
Preferred Insurance Solutions
20030 Century Blvd STE 201, Germantown, MD 20874
Kwame Mukong: Allstate Insurance
12810 Wisteria Dr Ste 203, Germantown, MD 20874
Schaefer & Delauder Insurance
13208 Executive Park Terrace, Germantown, MD 20874
Candice Clough: Allstate Insurance
19725 Executive Park Cir, Germantown, MD 20874
Wendy Louder - State Farm Insurance Agent
12401 Middlebrook Road #170, Germantown, MD 20874
Minhthao Ha - State Farm Insurance Agent
13224 Executive Park Terrace, Germantown, MD 20874
Antonio Tatis - State Farm Insurance Agent
19809 Executive Park Cir, Germantown, MD 20874

Insurify Insights: How Germantown Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Germantown, MD
suspended licenses
#40
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 Germantown 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 Germantown

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. Germantown drivers rank 23 in the number of car accidents per driver across all cities in Maryland.

  • Rank within state: #23
  • Percent of drivers in Germantown with an accident: 13.24%
  • Drivers in Germantown, MD with an accident in their driving history paid on average 30% more than drivers with a clean record

Speeding Germantown

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Maryland, Germantown drivers rank 5 in the number of speeding infractions per driver.

  • Rank within state: #5
  • Percent of drivers in Germantown with a speeding ticket: 14.01%
  • Drivers in Germantown, MD with a speeding ticket in their driving history paid on average 32% more than drivers with a clean record

DUI/DWIs Germantown

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Germantown drivers rank 12 in the number of DUI’s per driver across all cities in Maryland.

  • Rank within state: #12
  • Percent of drivers in Germantown with a DUI: 1.92%
  • Drivers in Germantown, MD with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Germantown

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Germantown is the Nissan Altima.

Rude Germantown

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, Germantown drivers rank 4 in rude driving infractions.

  • Rank within state: #4
  • Percent of drivers in Germantown with a reckless driving violation: 2.11%
  • Drivers in Germantown, MD with a reckless driving violation in their driving history paid on average -94% more than drivers with a clean record.

Safest Drivers Germantown

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Germantown drivers rank 19 in clean driving records across all cities in Maryland.

  • Rank within state: #19
  • Percent of drivers in Germantown with clean record: 75.24%

Failure to Yield the Right of Way Germantown

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Germantown drivers rank 1 in failure to yield violations per driver across all cities in Maryland.

  • Rank within state: #1
  • Percent of drivers in Germantown with a failure to yield violation: 0.77%
  • Drivers in Germantown, MD with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Germantown

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, Germantown drivers rank 17 in the number of reckless driving offenses per driver.

  • Rank within state: #17
  • Percent of drivers in Germantown with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership Germantown

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Germantown drivers rank 30 in hybrid and electric vehicle ownership across all cities in Maryland.

  • Rank within state: #30
  • Percent of drivers in Germantown with a hybrid/electric vehicle: 1.21%

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.