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Cheap Auto Insurance Quotes in Silver Spring, MD (May 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Quick Facts

  • The average cost of car insurance in Silver Spring is $243 per month, or $2916 annually.
  • Car insurance in Silver Spring is $16 more than the average cost of car insurance in Maryland.
  • The cheapest car insurance provider in Silver Spring on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.

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

Quotes by Top Companies

State Farm
$120
Progressive
$156
Travelers
$163
Nationwide
$193
The General
$261

Cheapest Car Insurance in Silver Spring, MD

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in Silver SpringQuotes
State Farm$120 /mo
Progressive$156 /mo
Travelers$163 /mo
Nationwide$193 /mo
The General$261 /mo

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Average Car Insurance Cost

Maryland Cities
Baltimore$280/mo
Columbia$242/mo
Germantown$154/mo
Frederick$149/mo
Silver Spring$196/mo
Maryland$204/mo
Frederick
$149
Germantown
$154
Silver Spring
$196
Average for MD
$204
Columbia
$242
Baltimore
$280
Click here to learn about car insurance quotes and save on your current policy.

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 Silver Spring agents

  • Coughlan Insurance Agency, Inc.

    10214 Sutherland Rd,
    Silver Spring, MD 20901
  • P. Allen Haney Company Property & Casualty

    308 Southwest Drive,
    Silver Spring, MD 20901
  • Statland & Katz, LTD

    8811 Colesville Rd,
    Ste 2, Silver Spring, MD 20910-4350
  • Balfour Insurance Agency

    5 Tabiona Court,
    Silver Spring, MD 20906
  • Georgetown Insurance Service, Inc.

    10010 Colesville Rd,
    Ste A, Silver Spring, MD 20901-2348
  • Weinberg, LLC

    321 Reserve Gate Terrace,
    Silver Spring, MD 20905
  • Business Insurance Solutions, Inc.

    13501 Wagon Way,
    Silver Spring, MD 20906-2141
  • Dominguez Insurance Agency Silver Spring

    10212 New Hampshire Ave,
    Silver Spring, MD 20903
  • Servimax Insurance Agency

    9411 Colesville Rd,
    Silver Spring, MD 20901
  • First Insurance Agency Tag,Title and Insurance Service

    8209 Fenton St #5,
    Silver Spring, MD 20910
View more

FAQs - Silver Spring, MD Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Silver Spring Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Silver Spring, Maryland below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Silver Spring drivers measure up to their fellow motorists across Maryland in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

toyota

Toyota Camry

Most Popular Car in Silver Spring

#31

City with the Most Speeding Tickets Rank in Maryland

#54

City with the Most Moving Violations Rank in Maryland

#22

City with the Most DUIs Rank in Maryland

#50

City with the Most Suspended Licenses in Maryland

  • 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. Silver Spring drivers rank 39 in the number of car accidents per driver across all cities in Maryland.

    • Rank within state: #39
    • Percent of drivers in Silver Spring with an accident: 12.33%
    • Drivers in Silver Spring, MD with an accident in their driving history pay on average 43.11% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Maryland, Silver Spring drivers rank 31 in the number of speeding infractions per driver.

    • Rank within state: #31
    • Percent of drivers in Silver Spring with a speeding ticket: 10.29%
    • Drivers in Silver Spring, MD with a speeding ticket in their driving history pay on average 28.44% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Silver Spring drivers rank 22 in the number of DUI’s per driver across all cities in Maryland.

    • Rank within state: #22
    • Percent of drivers in Silver Spring with a DUI: 1.41%
    • Drivers in Silver Spring, MD with a DUI in their driving history pay on average 37.33% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Silver Spring is the Toyota Camry.

  • 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, Silver Spring drivers rank 9 in rude driving infractions.

    • Rank within state: #9
    • Percent of drivers in Silver Spring with a reckless driving violation: 1.52%
    • Drivers in Silver Spring, MD with a reckless driving violation in their driving history pay on average 27.56% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Silver Spring drivers rank 7 in clean driving records across all cities in Maryland.

    • Rank within state: #7
    • Percent of drivers in Silver Spring with clean record: 78.79%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Silver Spring drivers rank 10 in failure to yield violations per driver across all cities in Maryland.

    • Rank within state: #10
    • Percent of drivers in Silver Spring with a failure to yield violation: 0.21%
    • Drivers in Silver Spring, MD with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • 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, Silver Spring drivers rank 10 in the number of reckless driving offenses per driver.

    • Rank within state: #10
    • Percent of drivers in Silver Spring with a reckless driving offense: 0.1%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Silver Spring drivers rank 26 in hybrid and electric vehicle ownership across all cities in Maryland.

    • Rank within state: #26
    • Percent of drivers in Silver Spring with a hybrid/electric vehicle: 1.48%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others

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