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

• The average cost of car insurance in Gaithersburg is 2.9% more than the national average rate of $2,276.
• Gaithersburg, MD, car insurance averages $50 per year less than the Maryland state average cost ($2,394) and $68 per year more than the United States national average ($2,276).
• 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 $2,344 per year, which is 2.9% more than the U.S. overall average rate of $2,276. Car insurance in Gaithersburg per month costs approximately $195 per month for full coverage auto insurance.

In the state of Maryland, the average price for car insurance is $2,394 per year, so the cost in Gaithersburg averages $50 less per year. When compared to other larger cities in Maryland, the average cost to insure a vehicle in Gaithersburg is approximately $128 per year cheaper than in Bowie, $600 per year less than in Baltimore, and $228 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 car insurance rates in the chart above range from $1,646 per year for a policy with high deductibles for a 60-year-old driver to $5,488 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 $137 to $457.

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 – $8,352 per year or $696 per month
• 17-year-old driver – $8,093 per year or $674 per month
• 18-year-old driver – $7,253 per year or $604 per month
• 19-year-old driver – $6,606 per year or $551 per month
• 20-year-old driver – $4,718 per year or $393 per month
• 30-year-old driver – $2,502 per year or $209 per month
• 40-year-old driver – $2,344 per year or $195 per month
• 50-year-old driver – $2,078 per year or $173 per month
• 60-year-old driver – $1,946 per year or $162 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.

Auto insurance for a 16-year-old female driver in Gaithersburg costs an average of $550 less per year than male drivers, while at age 19, the cost is still $1,021 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 – $2,344 (Gaithersburg average) versus $2,276 (U.S. average)
• Auto insurance rates decrease considerably from age 20 to 30 – The average 30-year-old Gaithersburg, Maryland, driver will pay $2,216 less each year than a 20-year-old driver, $2,502 compared to $4,718.
• Teenage girls pay lower rates than teenage males – Teenage female drivers age 16 to 19 pay $1,021 to $550 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 $758 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
• Insuring a teenager can cost a lot – Cost ranges from $5,585 to $8,352 per year for teen driver car insurance in Gaithersburg.
• Gaithersburg car insurance prices are cheaper than the Maryland state average – $2,344 (Gaithersburg average) versus $2,394 (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 $2,038 or less per year ($170 per month) for a policy with full coverage.

Additional models that are ranked high in our auto insurance cost comparison are the Subaru Outback, Toyota GR Corolla, 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 $2,188 or less per year, or about $182 per month.

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

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 $2,038 per year. Second place is the Nissan Leaf at $2,054 per year, and the third cheapest is the Honda Civic, at an average of $2,076 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 $2,284 per year or less.

From a monthly standpoint, auto insurance rates in this segment starts at an average of $170 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 $170 per month and ending with the Mazda 3 at $202 per month.

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 $156 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 $1,920 per year or less.

Car insurance in this segment for an average middle-age driver can cost as low as $144 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 $1,732 per year, or $144 per month. For midsize 2024 models, the Honda Passport is the cheapest model to insure at $1,866 per year, or $156 per month. And for full-size SUVs, the Chevrolet Tahoe has the most affordable rates at $2,204 per year, or $184 per month.

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

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 $2,086 to $2,426 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 $2,466 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 $2,466 and $2,632 per year to insure.

From a cost per month standpoint, car insurance rates in this segment will start around $174 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 $174 per month and ending with the Audi S3 at $219 per month.

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 $1,960 per year, Lexus NX 250 at $2,074 per year, Cadillac XT4 at $2,118 per year, and Jaguar E-Pace at $2,190 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 $2,260 per year or less.

Some additional 2024 models that made the list include the Land Rover Evoque, Lexus NX 350, Acura MDX, Infiniti QX50, and Infiniti QX60, which cost between $2,260 and $2,354 per year to insure in Gaithersburg.

Full-coverage insurance in Gaithersburg for this segment for a good driver starts at around $163 per month, depending on your location.

The cheapest compact luxury SUV to insure in Gaithersburg is the Acura RDX at $1,960 per year. For midsize luxury SUVs, the Jaguar E-Pace is cheapest to insure at $2,190 per year. And for full-size models, the Infiniti QX80 has the cheapest rates at $2,632 per year.

The comparison table below ranks the twenty luxury SUVs with the cheapest insurance rates in Gaithersburg, starting with the Acura RDX at $1,960 per year and ending with the Lexus RX 350 at $2,354 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 $2,064 per year. Second place is the Nissan Titan costing $2,192 per year, ranking third is the Nissan Frontier, at an average of $2,216 per year, and coming in fourth is the Ford Ranger, costing an average of $2,242 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 $2,412 per year or less.

Auto insurance for this segment in Gaithersburg for a safe driver starts at around $172 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 $2,064 per year and ending with the Ram Truck at $2,712 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 $2,170 to $2,630 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 $2,804 per year or less.

From a monthly standpoint, auto insurance rates in Gaithersburg on this segment for a good driver starts at around $181 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.

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 $368 per year over a lower credit rating of 670-739. Conversely, a not-so-perfect credit rating could cost around $427 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 $396 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.