Car Insurance in Gaithersburg, MD – Quotes, Rankings, Comparisons

We compared and ranked over 150 cars, trucks, and SUVs to find the models with the cheapest car insurance quotes in Gaithersburg.

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  • The average cost of car insurance in Gaithersburg is 3.5% more than the national average rate of $2,221.
  • Gaithersburg, MD, car insurance averages $52 per year less than the Maryland state average cost ($2,352) and $79 per year more than the United States national average ($2,221).
  • For cheap auto insurance in Gaithersburg, small SUV models like the Nissan Kicks, Chevrolet Trailblazer, Toyota Corolla Cross, and Honda CR-V have the most affordable rates.
  • Car insurance quotes in Gaithersburg can range significantly from as low as $34 per month for minimum liability insurance to well over $724 per month for teens and other high-risk drivers.

How much does car insurance cost in Gaithersburg?

The average car insurance expense in Gaithersburg is $2,300 per year, which is 3.5% more than the U.S. overall average rate of $2,221. Car insurance in Gaithersburg per month costs approximately $192 per month for full coverage auto insurance.

In the state of Maryland, the average price for car insurance is $2,352 per year, so the cost in Gaithersburg averages $52 less per year. When compared to other larger cities in Maryland, the average cost to insure a vehicle in Gaithersburg is approximately $130 per year cheaper than in Bowie, $600 per year less than in Baltimore, and $230 per year more expensive than in Frederick.

The chart below shows average Gaithersburg car insurance cost broken out not only by driver age, but also by comprehensive and collision deductibles. Rates are averaged for all 2024 vehicle models including luxury cars and SUVs.

Average full-coverage car insurance premium in Gaithersburg, MD for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Gaithersburg, MD for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Gaithersburg, MD Zip Codes.

Average Car Insurance Cost in Gaithersburg, MD
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,918$327
$500$4,630$386
$250$5,384$449
30$1,000$2,058$172
$500$2,458$205
$250$2,870$239
40$1,000$1,934$161
$500$2,300$192
$250$2,680$223
50$1,000$1,724$144
$500$2,040$170
$250$2,368$197
60$1,000$1,616$135
$500$1,910$159
$250$2,218$185

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Gaithersburg, MD Zip Codes. Updated June 27, 2025

Average car insurance rates in the chart above range from $1,616 per year for a policy with high deductibles for a 60-year-old driver to $5,384 per year for a 20-year-old driver with a low deductible policy.

When converted to a monthly cost, the average cost of car insurance per month in Gaithersburg ranges from $135 to $449.

Auto insurance rates can have a wide range and depend on a lot of factors. Due to the fact that rates are so variable, this emphasizes the need for multiple car insurance quotes when shopping online for cheaper car insurance.

The age of the driver influences the cost of car insurance. The list below illustrates these differences by breaking out average car insurance rates for drivers from 16 to 60.

Average cost of car insurance in Gaithersburg by driver age

  • 16-year-old driver – $8,196 per year or $683 per month
  • 17-year-old driver – $7,940 per year or $662 per month
  • 18-year-old driver – $7,116 per year or $593 per month
  • 19-year-old driver – $6,479 per year or $540 per month
  • 20-year-old driver – $4,630 per year or $386 per month
  • 30-year-old driver – $2,458 per year or $205 per month
  • 40-year-old driver – $2,300 per year or $192 per month
  • 50-year-old driver – $2,040 per year or $170 per month
  • 60-year-old driver – $1,910 per year or $159 per month

The rates listed above for insuring teenage drivers assumed a male driver. The next chart illustrates average teen driver car insurance rates by gender. Female drivers tend to have cheaper car insurance rates, in particular in the teen years.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Gaithersburg includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Gaithersburg, MD for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$8,196$7,657
17-Year-Old$7,940$7,609
18-Year-Old$7,116$6,568
19-Year-Old$6,479$5,481

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 27, 2025

Auto insurance for a 16-year-old female driver in Gaithersburg costs an average of $539 less per year than male drivers, while at age 19, the cost is still $998 less for a female driver.

Vehicle models that are popular in Gaithersburg tend to be compact and midsize cars like the Nissan Sentra and Honda Accord and compact or midsize SUVs like the Toyota RAV4 and Jeep Grand Cherokee.

Additional popular models from other segments include luxury SUVs like the BMW X5 and Infiniti QX60, luxury cars like the Acura ILX and Lexus ES 350, and pickup trucks like the Ford Ranger and Toyota Tacoma.

We will get into car insurance rates for many more vehicles coming up in the article, but before we do that, let’s review some of the key concepts we covered so far.

  • Gaithersburg, Maryland, car insurance cost is more than the U.S. average – $2,300 (Gaithersburg average) versus $2,221 (U.S. average)
  • Auto insurance rates decrease considerably from age 20 to 30 – The average 30-year-old Gaithersburg, Maryland, driver will pay $2,172 less each year than a 20-year-old driver, $2,458 compared to $4,630.
  • Teenage girls pay lower rates than teenage males – Teenage female drivers age 16 to 19 pay $998 to $539 less per year than male drivers of the same age.
  • A low deductible policy costs more – A 40-year-old driver pays an average of $746 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
  • Insuring a teenager can cost a lot – Cost ranges from $5,481 to $8,196 per year for teen driver car insurance in Gaithersburg.
  • Gaithersburg car insurance prices are cheaper than the Maryland state average – $2,300 (Gaithersburg average) versus $2,352 (Maryland average)

What are the cheapest autos to insure in Gaithersburg?

The vehicles with the best insurance prices in Gaithersburg tend to be crossover SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Toyota Corolla Cross.

Average auto insurance rates for those small SUVs cost $2,004 or less per year ($167 per month) for a policy with full coverage.

Additional models that are ranked high in our auto insurance cost comparison are the Honda CR-V, Honda HR-V, Volkswagen Tiguan, and Kia Niro. Average rates are a few dollars per month higher for those models than the compact SUVs and crossovers at the top of the list, but they still have an average cost of $2,145 or less per year, or about $179 per month.

The following table ranks the vehicles with the cheapest overall insurance rates in Gaithersburg, sorted by annual and monthly insurance cost.

Top 25 Cheapest Car Insurance Rates in Gaithersburg, MD
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,700$142
2Chevrolet Trailblazer$1,730$144
3Kia Soul$1,796$150
4Nissan Kicks$1,812$151
5Honda Passport$1,832$153
6Buick Envision$1,846$154
7Toyota Corolla Cross$1,856$155
8Hyundai Venue$1,872$156
9Mazda CX-5$1,876$156
10Ford Bronco Sport$1,884$157
11Volkswagen Tiguan$1,906$159
12Acura RDX$1,926$161
13Nissan Murano$1,934$161
14Buick Encore$1,956$163
15Subaru Outback$1,960$163
16Honda CR-V$1,962$164
17Buick Envista$1,968$164
18Volkswagen Taos$1,972$164
19Kia Niro$1,982$165
20Toyota GR Corolla$2,000$167
21Honda HR-V$2,002$167
22Subaru Ascent$2,002$167
23Nissan Leaf$2,016$168
24Chevrolet Colorado$2,026$169
25Honda Civic$2,038$170

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Gaithersburg, MD Zip Codes. Updated June 27, 2025

Top 25 cheapest vehicles to insure in Gaithersburg, MD with the Subaru Crosstrek ranking first at $1,700 per year
Top 25 cheapest vehicles to insure in Gaithersburg, MD with the Subaru Crosstrek ranking first at $1,700 per year

A table showing 25 vehicle models with cheap Gaithersburg car insurance is not the most useful way to show a complete summary of Gaithersburg car insurance cost. But considering we track over 700 vehicles, less than 4% of total vehicles are shown.

So let’s rethink this and reorganize the most affordable vehicles in a more useful way, by automotive segment. The six sections below rank the top 20 vehicles with the most affordable insurance rates in Gaithersburg for each of the main segments.

Cheapest car insurance rates in Gaithersburg, MD

The top-ranked vehicle in Gaithersburg for cheapest average insurance in the non-luxury sedan segment is the Toyota GR Corolla, costing an average of $2,000 per year. Second place is the Nissan Leaf at $2,016 per year, and the third cheapest is the Honda Civic, at an average of $2,038 per year.

Also ranking well in our comparison are cars like the Chevrolet Malibu, Toyota Corolla, Honda Accord, and Toyota Prius, with average rates of $2,242 per year or less.

From a monthly standpoint, auto insurance rates in this segment starts at an average of $167 per month, depending on where you live. The next table ranks the cars with the most affordable average auto insurance rates in Gaithersburg, starting with the Toyota GR Corolla at $167 per month and ending with the Mazda 3 at $198 per month.

Cheapest Car Insurance in Gaithersburg, MD
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,000$167
Nissan LeafCompact$2,016$168
Honda CivicCompact$2,038$170
Nissan SentraCompact$2,110$176
Subaru ImprezaCompact$2,116$176
Toyota PriusCompact$2,152$179
Kia K5Midsize$2,216$185
Honda AccordMidsize$2,224$185
Chevrolet MalibuMidsize$2,232$186
Toyota CorollaCompact$2,242$187
Kia ForteCompact$2,246$187
Volkswagen ArteonMidsize$2,262$189
Nissan VersaCompact$2,268$189
Subaru LegacyMidsize$2,270$189
Hyundai Ioniq 6Midsize$2,290$191
Mitsubishi Mirage G4Compact$2,322$194
Toyota CrownMidsize$2,328$194
Volkswagen JettaCompact$2,328$194
Hyundai SonataMidsize$2,334$195
Mazda 3Compact$2,380$198

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Gaithersburg, MD Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Gaithersburg, MD, with the Toyota GR Corolla ranking first at $2,000 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Gaithersburg, MD, with the Toyota GR Corolla ranking first at $2,000 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Don’t see insurance cost for your vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Maryland.

Cheapest SUVs to insure in Gaithersburg, Maryland

Ranking at the top of the list for the most affordable Gaithersburg auto insurance rates in the non-luxury SUV segment are the Chevrolet Trailblazer, Kia Soul, Subaru Crosstrek, Honda Passport, and Nissan Kicks. Car insurance prices for these vehicles average $153 or less per month.

Rounding out the top 10 are models like the Hyundai Venue, Mazda CX-5, Ford Bronco Sport, and Buick Envision, with an average cost of $1,884 per year or less.

Car insurance in this segment for an average middle-age driver can cost as low as $142 per month, depending on where you live.

When rates are compared by vehicle size, the lowest-cost compact SUV to insure in Gaithersburg is the Subaru Crosstrek at $1,700 per year, or $142 per month. For midsize 2024 models, the Honda Passport is the cheapest model to insure at $1,832 per year, or $153 per month. And for full-size SUVs, the Chevrolet Tahoe has the most affordable rates at $2,160 per year, or $180 per month.

The table below ranks the twenty SUVs with the cheapest insurance in Gaithersburg.

Cheapest SUV Insurance in Gaithersburg, MD
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,700$142
Chevrolet TrailblazerCompact$1,730$144
Kia SoulCompact$1,796$150
Nissan KicksCompact$1,812$151
Honda PassportMidsize$1,832$153
Buick EnvisionCompact$1,846$154
Toyota Corolla CrossCompact$1,856$155
Hyundai VenueCompact$1,872$156
Mazda CX-5Compact$1,876$156
Ford Bronco SportCompact$1,884$157
Volkswagen TiguanCompact$1,906$159
Nissan MuranoMidsize$1,934$161
Buick EncoreCompact$1,956$163
Subaru OutbackMidsize$1,960$163
Honda CR-VCompact$1,962$164
Buick EnvistaMidsize$1,968$164
Volkswagen TaosCompact$1,972$164
Kia NiroCompact$1,982$165
Honda HR-VCompact$2,002$167
Subaru AscentMidsize$2,002$167

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Gaithersburg, MD Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Gaithersburg, MD, with the Subaru Crosstrek ranking first at $1,700 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Gaithersburg, MD, with the Subaru Crosstrek ranking first at $1,700 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see insurance cost for your SUV? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Gaithersburg car insurance quotes from top-rated car insurance companies in Maryland.

Cheapest luxury car insurance rates

In our comparison, the top five most budget-friendly luxury car models to insure in Gaithersburg are the Acura Integra, BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. Rates for for these models range from $2,046 to $2,382 per year.

Not the cheapest in the list, but still ranking well, are luxury cars like the Lexus RC 300, Mercedes-Benz AMG CLA35, Genesis G70, and Cadillac CT4, with average insurance cost of $2,420 per year or less.

Additional vehicles that made the list include the Cadillac CT5, Jaguar XF, BMW 330e, Audi S3, and Lexus RC 350, which cost between $2,420 and $2,580 per year to insure.

From a cost per month standpoint, car insurance rates in this segment will start around $171 per month, depending on where you live.

The table below ranks the cars with the most affordable car insurance in Gaithersburg, starting with the Acura Integra at $171 per month and ending with the Audi S3 at $215 per month.

Cheapest Luxury Car Insurance in Gaithersburg, MD
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,046$171
BMW 330iCompact$2,342$195
Mercedes-Benz CLA250Midsize$2,368$197
Lexus IS 300Midsize$2,372$198
Acura TLXCompact$2,382$199
Cadillac CT4Compact$2,404$200
Lexus ES 350Midsize$2,404$200
Genesis G70Compact$2,410$201
Mercedes-Benz AMG CLA35Midsize$2,414$201
Lexus RC 300Midsize$2,420$202
Lexus IS 350Compact$2,430$203
Jaguar XFMidsize$2,436$203
Cadillac CT5Midsize$2,480$207
Lexus ES 250Midsize$2,488$207
Lexus RC 350Compact$2,496$208
BMW 330eCompact$2,498$208
BMW 228iCompact$2,504$209
BMW 230iCompact$2,522$210
Lexus ES 300hMidsize$2,526$211
Audi S3Compact$2,580$215

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Gaithersburg, MD Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Gaithersburg, MD, with the Acura Integra ranking first at $2,046 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Gaithersburg, MD, with the Acura Integra ranking first at $2,046 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Need rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Gaithersburg car insurance quotes from top-rated car insurance companies in Maryland.

Cheapest luxury SUVs to insure

The four most affordable luxury SUVs to insure in Gaithersburg are the Acura RDX at $1,926 per year, Lexus NX 250 at $2,038 per year, Cadillac XT4 at $2,078 per year, and Jaguar E-Pace at $2,152 per year.

Also ranking well in our comparison are SUVs like the Mercedes-Benz GLB 250, Lexus UX 250h, Lexus NX 350h, and Lincoln Corsair, with an average cost to insure of $2,218 per year or less.

Some additional 2024 models that made the list include the Acura MDX, Lexus NX 350, Land Rover Evoque, Infiniti QX50, and Infiniti QX60, which cost between $2,218 and $2,310 per year to insure in Gaithersburg.

Full-coverage insurance in Gaithersburg for this segment for a good driver starts at around $161 per month, depending on your location.

The cheapest compact luxury SUV to insure in Gaithersburg is the Acura RDX at $1,926 per year. For midsize luxury SUVs, the Jaguar E-Pace is cheapest to insure at $2,152 per year. And for full-size models, the Infiniti QX80 has the cheapest rates at $2,580 per year.

The comparison table below ranks the twenty luxury SUVs with the cheapest insurance rates in Gaithersburg, starting with the Acura RDX at $1,926 per year and ending with the Lexus RX 350 at $2,310 per year.

Cheapest Luxury SUV Insurance in Gaithersburg, MD
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,926$161
Lexus NX 250Compact$2,038$170
Cadillac XT4Compact$2,078$173
Jaguar E-PaceMidsize$2,152$179
Cadillac XT5Midsize$2,172$181
Lexus NX 350hCompact$2,172$181
Lincoln CorsairCompact$2,198$183
Mercedes-Benz GLB 250Compact$2,202$184
Lexus UX 250hCompact$2,206$184
Lexus NX 450hCompact$2,218$185
Infiniti QX50Midsize$2,236$186
Mercedes-Benz GLA250Compact$2,244$187
Cadillac XT6Midsize$2,252$188
Mercedes-Benz GLA35 AMGCompact$2,252$188
Infiniti QX60Midsize$2,264$189
Mercedes-Benz AMG GLB35Midsize$2,268$189
Land Rover EvoqueCompact$2,298$192
Acura MDXMidsize$2,300$192
Lexus NX 350Compact$2,308$192
Lexus RX 350Midsize$2,310$193

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Gaithersburg, MD Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Gaithersburg, MD, with the Acura RDX ranking first at $1,926 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Gaithersburg, MD, with the Acura RDX ranking first at $1,926 per year.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Is your luxury SUV missing from the table above? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Maryland.

Cheapest pickup insurance rates

The #1 ranking in Gaithersburg for the lowest-cost average insurance in the pickup truck segment is the Chevrolet Colorado, with an average cost of $2,026 per year. Second place is the Nissan Titan costing $2,152 per year, ranking third is the Nissan Frontier, at an average of $2,174 per year, and coming in fourth is the Ford Ranger, costing an average of $2,200 per year.

Additional pickups that are affordable to insure include the Honda Ridgeline, Toyota Tacoma, Hyundai Santa Cruz, and GMC Canyon, with average annual insurance rates of $2,368 per year or less.

Auto insurance for this segment in Gaithersburg for a safe driver starts at around $169 per month, depending on your location. The table below ranks the pickups with the most affordable average car insurance rates in Gaithersburg, starting with the Chevrolet Colorado at $2,026 per year and ending with the Ram Truck at $2,660 per year.

Cheapest Pickup Insurance in Gaithersburg, MD
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,026$169
Nissan TitanFull-size$2,152$179
Nissan FrontierMidsize$2,174$181
Ford RangerMidsize$2,200$183
Ford MaverickMidsize$2,232$186
Honda RidgelineMidsize$2,282$190
Hyundai Santa CruzMidsize$2,322$194
Toyota TacomaMidsize$2,330$194
GMC Sierra 2500 HDHeavy Duty$2,342$195
GMC CanyonMidsize$2,368$197
Jeep GladiatorMidsize$2,426$202
GMC Sierra 3500Heavy Duty$2,438$203
Chevrolet Silverado HD 3500Heavy Duty$2,458$205
Chevrolet Silverado HD 2500Heavy Duty$2,526$211
GMC SierraFull-size$2,542$212
Nissan Titan XDHeavy Duty$2,544$212
Chevrolet SilveradoFull-size$2,546$212
Ford F150Full-size$2,574$215
GMC Hummer EV PickupFull-size$2,640$220
Ram TruckFull-size$2,660$222

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Gaithersburg, MD Zip Codes. Updated June 26, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Gaithersburg, MD, with the Chevrolet Colorado ranking first at $2,026 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Gaithersburg, MD, with the Chevrolet Colorado ranking first at $2,026 per year.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see your truck in the table above? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Maryland.

Cheapest sports car insurance rates in Gaithersburg

For 2024 models, the five most budget-friendly sports cars to insure in Gaithersburg are the Mazda MX-5 Miata, Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. Average insurance rates for for these vehicles range from $2,130 to $2,582 per year.

Additional sports cars that have cheaper rates are the BMW M2, Subaru BRZ, Lexus RC F, and Nissan Z, with an average car insurance cost of $2,752 per year or less.

From a monthly standpoint, auto insurance rates in Gaithersburg on this segment for a good driver starts at around $178 per month, depending on where you live and the company you use. The table below ranks the sports cars with the most affordable car insurance in Gaithersburg.

Cheapest Sports Car Insurance in Gaithersburg, MD
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,130$178
Toyota GR86Sports Car$2,426$202
Ford MustangSports Car$2,532$211
BMW Z4Sports Car$2,542$212
Subaru WRXSports Car$2,582$215
Toyota GR SupraSports Car$2,586$216
BMW M2Sports Car$2,660$222
Nissan ZSports Car$2,666$222
Lexus RC FSports Car$2,720$227
Subaru BRZSports Car$2,752$229
BMW M3Sports Car$2,908$242
Porsche 718Sports Car$2,962$247
Chevrolet CamaroSports Car$2,990$249
Chevrolet CorvetteSports Car$3,188$266
Porsche 911Sports Car$3,298$275
BMW M4Sports Car$3,436$286
Lexus LC 500Sports Car$3,452$288
Jaguar F-TypeSports Car$3,630$303
Mercedes-Benz AMG GT53Sports Car$3,808$317
Porsche TaycanSports Car$3,898$325

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Gaithersburg, MD Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Gaithersburg, MD, with the Mazda MX-5 Miata ranking first at $2,130 per year.
Ranking of the cheapest sports cars to insure in Gaithersburg, MD, with the Mazda MX-5 Miata ranking first at $2,130 per year.

Don’t see insurance cost for your sports car? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Maryland.

Money-saving tips for finding cheaper auto insurance

Shrewd drivers in Gaithersburg are always searching for ways to cut the monthly cost of insurance So take a minute and read through the savings tips in the list below and it’s very possible you can save a little dough on your next auto insurance policy.

  • Excellent credit scores get the best rates. Insureds with excellent credit scores of 800+ could save up to $361 per year over a lower credit rating of 670-739. Conversely, a not-so-perfect credit rating could cost around $419 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Remain claim free and save. Car insurance companies offer a discount if you have not filed any claims. Auto insurance should only be used for large financial hits, not nickel-and-dime type claims.
  • Find cheaper rates by qualifying for policy discounts. Savings may be available if the policyholders are accident-free, are senior citizens, are good students, insure their home and car with the same company, or many other policy discounts which could save the average Gaithersburg driver as much as $388 per year on the cost of car insurance
  • Shop around for a better deal. Setting aside a few minutes every year or so to get free car insurance quotes could save you a significant amount. Rates change frequently and you are not locked into any one company.
  • Remove unneeded coverage on older vehicles. Dropping full coverage from vehicles whose value has dropped to the point where coverage is not cost effective can cheapen the cost to insure considerably.