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4+ years writing insurance and personal finance content
MBA from Roosevelt University
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
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NPN: 20461358
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Updated
On average, Silver Spring drivers pay $199 per month for liability insurance and $305 per month for full-coverage auto policies.
Car insurance rates in Silver Spring are similar to those in nearby Maryland towns like Laurel and Glen Burnie.
But the city’s average premiums are slightly higher than in larger suburban areas like Rockville. That’s likely because of Silver Spring’s denser population and longer daily commutes.[1]
Find the cheapest rates in Silver Spring, starting at an average of $121 per month
You can find the cheapest liability car insurance in Silver Spring through USAA. CSAA offers the cheapest full-coverage policies in the city.
Overall, car insurance in Silver Spring costs an average of $252 per month. That’s similar to the Maryland state average of $248 per month.
To drive legally in the city, you must meet Maryland’s 30/60/15 minimum liability requirements. You need to have at least $30,000 per person and $60,000 per accident of bodily injury liability coverage, and $15,000 of property damage liability coverage.[2]
Maryland doesn’t require drivers to have full-coverage car insurance. But it may be worth it due to Montgomery County’s higher vehicle theft rates. A full-coverage policy can help protect you from theft and other incidents, like vandalism and weather damage.[3]
This table shows the most affordable liability-only and full-coverage rates in Silver Spring, according to Insurify data.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $121 | $185 |
| Direct Auto | $133 | $224 |
| Safeco | $140 | $183 |
| CSAA | $142 | $157 |
| GEICO | $143 | $220 |
| Elephant | $149 | $218 |
| Clearcover | $156 | $271 |
| State Farm | $156 | $239 |
| Progressive | $158 | $232 |
| National General | $162 | $251 |
| Root | $169 | $250 |
| Erie | $177 | $270 |
| GAINSCO | $177 | $333 |
| Bristol West | $199 | $438 |
| Travelers | $211 | $323 |
| Liberty Mutual | $232 | $307 |
| Allstate | $279 | $426 |
| Nationwide | $321 | $491 |
Auto insurance premiums in Maryland vary by city. For example, due to Silver Spring’s higher population density and longer commute times, auto coverage costs more in the city than in Columbia or Frederick.
The table below highlights how average car insurance costs in Silver Spring compare with those in other Maryland cities, according to Insurify data.
City | Average Monthly Quote |
|---|---|
| Baltimore | $400 |
| Columbia | $234 |
| Frederick | $194 |
| Glen Burnie | $248 |
Compare rates from the city’s top insurers and save money in minutes
Here are some tips to keep in mind as you cruise in and around Silver Spring:
Parking garages: Downtown Silver Spring has more than a dozen parking garages. If you drive downtown often, you may want to park in a garage rather than on the street. Garages are typically safer than on-street parking. But be prepared to pay $1 to $1.25 per hour via Passport Parking or Parkmobile.
Flooding: Floods occur in parts of Montgomery County, including Silver Spring. Consider buying comprehensive insurance to protect your vehicle from flood damage, as a liability policy won’t cover it.[4]
Winter hazards: During winter storms, Montgomery County prioritizes plowing emergency routes first. Plan for residential areas and side streets to take longer to clear, resulting in longer commute times.[5]
In Silver Spring, 4% of drivers have a speeding ticket on their record, according to Insurify data. Fines for speeding in the area range from $40 to $425, depending on how fast you were going.[6]
Driving under the influence (DUI) convictions are less common than speeding in Silver Spring, but the city still enforces strict DUI penalties. A first-time DUI offense in Silver Spring could mean fines of up to $1,000, up to one year in jail, and the state revoking your license for up to six months.[7]
Below, you’ll find the cheapest car insurance costs for Silver Spring drivers with clean records compared to drivers with different traffic violations, based on Insurify data.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $252 |
| Speeding ticket | $300 |
| At-fault accident | $312 |
| DUI | $406 |
Car insurance rates in Silver Spring vary by age. Teens pay the most for auto insurance due to their inexperience and higher accident risk.
Silver Spring teenagers can get their learner’s permit at 15 years and nine months of age. Once they turn 16 and complete driver’s education practice hours, they can get a provisional license.[8] At age 18, teenagers in Silver Spring can qualify for a full license and drive without restrictions.
While teens typically pay the most for coverage, senior drivers usually pay the lowest rates. Older drivers tend to have more experience and safer habits, which lowers rates.
Here are the cheapest liability rates for Silver Spring drivers by age, according to Insurify data.
Age | Average Monthly Quote |
|---|---|
| Teens | $275 |
| 20s | $226 |
| 30s | $195 |
| 40s | $183 |
| 50s | $167 |
| 60s | $158 |
| 70+ | $152 |
*Quotes generated for Insurify users in and around Silver Spring, Maryland within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Silver Spring, Maryland within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Here are the answers to some common questions about auto insurance coverage in Silver Spring.
Silver Spring residents pay an average of $252 per month for car insurance. Liability coverage averages $199 per month, and full coverage costs an average of $305 per month. But how much you pay for car insurance depends on many factors, including your ZIP code and driving record.
USAA has the cheapest auto insurance in Silver Spring, with an average monthly liability premium of $121. You can also find cheap auto policies through Direct Auto or Safeco.
Montgomery County, home to Silver Spring, had 44 fatal car accidents in 2025, according to the Maryland State Police.[9] Frequent car accidents — especially fatal ones — can increase car insurance rates in an area because insurers charge more to offset the higher claims risk.
The right insurer for you in Silver Spring depends on many factors. Your driving record and coverage needs are two of the main things that determine the best car insurance company for you. NJM, Erie, and CSAA are the top-rated companies for customer satisfaction in the Mid-Atlantic region, according to J.D. Power.
Shopping around is one of the easiest ways to lower your car insurance costs in Silver Spring. You can also take advantage of discounts and maintain a clean driving record to lower your premium. Many insurers also offer savings when you bundle your auto insurance with your homeowners, renters, or life insurance.[10]
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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