Rockville Car Insurance Cost – 2025 Rates + Cheapest to Insure

• Rockville car insurance rates average $2,354 per year for full coverage, or approximately $196 on a monthly basis.
• Small SUVs like the Kia Soul, Nissan Kicks, Ford Bronco Sport, and Buick Encore are the best options for cheap car insurance in Rockville.
• Vehicles with segment-leading car insurance rates include the Nissan Titan, Mercedes-Benz CLA250, Chevrolet Tahoe, Acura RDX, and Toyota GR Corolla.

How much does Rockville car insurance cost?

Average auto insurance cost in Rockville is $2,354 per year, which is around $196 per month. Rockville car insurance costs 3.4% more than the national average rate of $2,276.

In the state of Maryland, the average cost of car insurance is $2,394 per year, so the average cost in Rockville is $40 less per year. When compared to other cities in Maryland, the cost of insurance in Rockville is approximately $118 per year cheaper than in Bowie, $10 per year more expensive than in Gaithersburg, and $238 per year more than in Frederick.

The next chart shows average car insurance cost in Rockville, Maryland, for all 2024 models. Rates are averaged for all Rockville Zip Codes and shown for both different driver ages and physical damage deductibles.

Average rates in the chart above range from $1,650 per year for a 60-year-old driver with $1,000 comprehensive and collision coverage deductibles to $5,504 per year for a 20-year-old driver with $250 deductibles. The average rate we use for comparing different segments, models or locations is a 40-year-old driver with $500 physical damage deductibles, which is an average cost of $2,354 per year.

As a monthly amount, the average cost to insure a vehicle in Rockville ranges from $138 to $459 for the same driver risk profiles shown in the prior chart.

Car insurance rates are different for every driver and can also be very different depending on the company. The likelihood of significant rate variability increases the need to get multiple auto insurance quotes when trying to find the cheapest Rockville car insurance.

The age of the driver significantly impacts the cost of auto insurance. The list below illustrates this point by breaking out average car insurance rates for drivers from age 16 to 60.

Car insurance cost in Rockville, MD, for drivers age 16 to 60

• 16-year-old driver – $8,378 per year or $698 per month
• 17-year-old driver – $8,116 per year or $676 per month
• 18-year-old driver – $7,277 per year or $606 per month
• 19-year-old driver – $6,625 per year or $552 per month
• 20-year-old driver – $4,734 per year or $395 per month
• 30-year-old driver – $2,510 per year or $209 per month
• 40-year-old driver – $2,354 per year or $196 per month
• 50-year-old driver – $2,086 per year or $174 per month
• 60-year-old driver – $1,952 per year or $163 per month

Vehicles with high popularity in Rockville tend to be small or midsize sedans like the Hyundai Elantra and Toyota Camry and compact or midsize SUVs like the Ford Escape, Chevy Equinox, and Toyota Highlander.

A few additional popular vehicles in Rockville, MD, from other segments include luxury SUVs like the BMW X5 and Infiniti QX60, luxury cars like the Tesla Model S and Infiniti Q50, and pickup trucks like the Ford F-150 and Ford Ranger.

We get into rates for many more vehicles a little farther in this article, but first, let’s look at some of the concepts that were discussed up to this point.

• A low deductible policy costs more – A 50-year-old driver pays an average of $980 more per year for $250 physical damage deductibles versus $1,000.
• Average car insurance cost per month ranges from $163 to $698 – That is the average car insurance cost range for drivers from age 16 to 60 in Rockville, MD.
• Car insurance for teenagers is not cheap – Average rates range from $5,601 to $8,378 per year for teen driver car insurance in Rockville.
• Rockville, MD, car insurance cost is more than the U.S. average – $2,354 (Rockville average) versus $2,276 (U.S. average)
• Rockville car insurance rates are cheaper than the Maryland state average – $2,354 (Rockville average) versus $2,394 (Maryland average)
• Car insurance cost decreases as you get older – Insurance rates for a 50-year-old driver in Rockville are $2,648 per year cheaper than for a 20-year-old driver.

Which autos have the cheapest car insurance in Rockville, MD?

The models with the best car insurance rates in Rockville tend to be compact SUVs like the Kia Soul, Subaru Crosstrek, and Toyota Corolla Cross.

Average insurance rates for those crossover SUVs cost $159 or less per month for a policy with full coverage.

Other vehicles that rank in the top 20 in the comparison table below are the Nissan Murano, Ford Bronco Sport, Toyota GR Corolla, and Buick Envista.

Average auto insurance rates are a few dollars per month higher for those models than the small SUVs that rank at the top, but they still have average rates of $2,042 or less per year, or around $170 per month in Rockville.

The table below ranks the 30 cars, trucks, and SUVs with the cheapest insurance rates in Rockville, ordered by annual cost.

The above table containing 30 vehicle models with cheap Rockville car insurance is fine if you just want the absolute lowest rates. A more thorough way to look at auto insurance rates for many more vehicles is by sorting them by automotive segment.

This next section showcases the average cost of car insurance for each different vehicle segment. These rates will provide a good understanding of the automotive segments that have the overall most affordable average auto insurance rates. Then the following six sections show the most affordable auto insurance for the most popular automotive segments.

Rockville auto insurance rates by vehicle segment

If you’re looking around at new or used cars, it’s very useful to know which styles of vehicles have less expensive car insurance rates in Rockville.

As an example, many people wonder if compact SUVs are cheaper to insure than minivans or if luxury cars have more affordable insurance than luxury SUVs.

The next chart displays the average cost of car insurance rates in Rockville for different vehicle segments. When looking at rates from a segment perspective, compact and midsize SUVs, vans, and midsize pickups have the best rates, with luxury, performance, and sports cars having the most expensive overall car insurance rates.

Average rates by automotive segment are fine to make a general comparison, but rates vary considerably within each vehicle category listed in the chart above.

For example, in the midsize SUV segment, average Rockville insurance rates range from the Honda Passport at $1,872 per year for a full coverage policy to the Rivian R1S at $2,894 per year, a difference of $1,022 within that segment. As another example, in the midsize truck segment, the average insurance cost ranges from the Chevrolet Colorado at $2,072 per year to the Rivian R1T at $2,934 per year.

In the next sections of the article, we remove some of this variability by analyzing the cost of car insurance in Rockville on a model level rather than a segment level.

Cheapest cars to insure in Rockville

Sitting at number one in Rockville for cheapest average insurance in the non-luxury car segment is the Toyota GR Corolla, costing an average of $2,042 per year. Second place is the Nissan Leaf at $2,060 per year, ranking third is the Honda Civic, costing an average of $2,082 per year, and the fourth cheapest is the Nissan Sentra, at an average of $2,156 per year.

Not the cheapest, but still in the top 10, are models like the Toyota Corolla, Chevrolet Malibu, Honda Accord, and Kia K5, with average rates of $2,292 per year or less.

Ranking between positions 10 and 20, models like the Mitsubishi Mirage G4, Subaru Legacy, Hyundai Sonata, Kia Forte, Toyota Crown, and Nissan Versa average between $2,292 and $2,432 per year for auto insurance in Rockville.

Full-coverage insurance in Rockville for this segment for a good driver starts at around $170 per month, depending on your company and location.

The rate comparison table below ranks the cars with the most affordable insurance in Rockville.

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

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

Cheapest SUV insurance rates in Rockville

The five cheapest non-luxury SUVs to insure in Rockville are the Subaru Crosstrek, Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. Rates for for these five models range from $1,738 to $1,872 per year.

Not the cheapest, but still in the top 10, are SUVs like the Mazda CX-5, Toyota Corolla Cross, Buick Envision, and Ford Bronco Sport, with an average car insurance cost of $1,924 per year or less.

In the bottom half of the top 20, models like the Subaru Outback, Honda HR-V, Buick Envista, Nissan Murano, Volkswagen Tiguan, and Subaru Ascent cost between $1,924 and $2,044 per year for full-coverage insurance in Rockville.

From a monthly standpoint, full-coverage car insurance in this segment for a safe driver will start around $145 per month, depending on the company and your location. The next table ranks the SUVs with the most affordable average insurance rates in Rockville, starting with the Subaru Crosstrek at $145 per month and ending with the Subaru Ascent at $170 per month.

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

Is your SUV not in the list? That’s no problem! 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 luxury car insurance rates in Rockville

The three highest ranking luxury cars with the most affordable insurance rates in Rockville are the Acura Integra at $2,090 per year, the BMW 330i at $2,394 per year, and the Mercedes-Benz CLA250 at $2,420 per year.

Not the cheapest, but still very affordable, are models like the Genesis G70, Lexus ES 350, Cadillac CT4, and Mercedes-Benz AMG CLA35, with an average cost to insure of $2,472 per year or less.

Ranked from 10th to 20th place, models like the Lexus IS 350, Jaguar XF, Audi S3, Lexus ES 300h, and Cadillac CT5 average between $2,472 and $2,638 per year for auto insurance in Rockville.

From a monthly standpoint, full-coverage auto insurance on this segment in Rockville starts at around $174 per month, depending on where you live.

The rate comparison table below ranks the twenty luxury cars with the most affordable average auto insurance rates in Rockville, starting with the Acura Integra at $2,090 per year and ending with the Audi S3 at $2,638 per year.

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see insurance cost for your luxury car? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Rockville car insurance quotes from top auto insurance companies in Maryland.

Cheapest luxury SUVs to insure in Rockville, MD

Ranking in the top five for the most affordable Rockville auto insurance rates in the luxury SUV segment are the Cadillac XT5, Lexus NX 250, Jaguar E-Pace, Acura RDX, and Cadillac XT4. Rates for these models average $2,218 or less per year, or around $185 per month.

Other models that rank well include the Lincoln Corsair, Lexus UX 250h, Lexus NX 450h, and Lexus NX 350h, with average rates of $2,268 per year or less.

In the lower half of the top 20 luxury SUVs to insure, models like the Mercedes-Benz GLA250, Mercedes-Benz AMG GLB35, Infiniti QX50, Lexus NX 350, Infiniti QX60, and Cadillac XT6 average between $2,268 and $2,360 per year for insurance in Rockville.

On a monthly basis, auto insurance on this segment in Rockville for a middle-age safe driver can cost as low as $164 per month, depending on the company and where you live.

When vehicle size is considered, the most budget-friendly compact luxury SUV to insure in Rockville is the Acura RDX at $1,966 per year, or $164 per month. For midsize 2024 models, the Jaguar E-Pace has the best rates at $2,198 per year, or $183 per month. And for large luxury SUVs, the Infiniti QX80 has the most affordable rates at $2,638 per year, or $220 per month.

The comparison table below ranks the SUVs with the cheapest insurance rates in Rockville, starting with the Acura RDX at $1,966 per year ($164 per month) and ending with the Lexus RX 350 at $2,360 per year ($197 per month).

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Is your luxury SUV not in the list? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Rockville car insurance quotes from the best companies in Maryland.

Cheapest pickup truck insurance rates in Rockville, MD

The cheapest pickups to insure in Rockville are the Chevrolet Colorado at $2,072 per year, the Nissan Titan at $2,202 per year, and the Nissan Frontier at $2,224 per year.

Some other pickups that have affordable insurance rates are the Hyundai Santa Cruz, Honda Ridgeline, Toyota Tacoma, and GMC Sierra 2500 HD, with an average cost to insure of $2,420 per year or less.

As a cost per month, full-coverage car insurance in Rockville on this segment for a good driver starts at around $173 per month, depending on the company and your location. The table below ranks the pickups with the most affordable insurance in Rockville, starting with the Chevrolet Colorado at $2,072 per year ($173 per month) and ending with the Ram Truck at $2,720 per year ($227 per month).

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Don’t see your pickup model? No problem! 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 auto insurance companies in Maryland.

Cheapest sports car insurance rates in Rockville, Maryland

Ranking highest for the cheapest Rockville car insurance rates in the performance and sports car segment are the Subaru WRX, Mazda MX-5 Miata, BMW Z4, Toyota GR86, and Ford Mustang. Car insurance rates for these 2024 models average $220 or less per month.

Additional sports cars that are affordable to insure are the BMW M2, Nissan Z, Lexus RC F, and Subaru BRZ, with average rates of $2,814 per year or less.

Some additional cars worth mentioning include the Mercedes-Benz AMG GT53, Porsche 718, Chevrolet Corvette, Lexus LC 500, and Jaguar F-Type, which average between $2,814 and $3,984 to insure per year in Rockville.

Auto insurance rates in Rockville for this segment for an average middle-age driver can cost as low as $181 per month, depending on where you live. The comparison table below ranks the sports cars with the most affordable average car insurance rates in Rockville, starting with the Mazda MX-5 Miata at $2,174 per year ($181 per month) and ending with the Porsche Taycan at $3,984 per year ($332 per month).

Looking for rates for a different vehicle? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Rockville.

Rockville car insurance price variability

In order to reinforce the extent to which auto insurance cost can deviate for different drivers, the sections below have a wide range of rates for five popular models in Rockville: the Ram Truck, Honda Civic, Nissan Rogue, Kia Sorento, and Toyota Supra.

The example for each vehicle uses a variety of different driver profiles to demonstrate the difference in price based on changes in the type of driver rated on the policy.

Ram Truck insurance rates

Ram Truck insurance in Rockville averages $2,720 per year, or around $227 per month, and has a range of $2,256 to $6,266 annually.

The Ram Truck is considered a full-size truck, and other popular models in the same segment include the Nissan Titan, Toyota Tundra, Ford F150, and Chevrolet Silverado.

Honda Civic insurance rates

Insurance for a Honda Civic in Rockville averages $2,082 per year ($174 per month) and ranges from $1,732 to $4,730 annually for the sample risk profiles in the next insurance cost chart.

The Honda Civic is classified as a compact car, and other similar models from the same segment include the Volkswagen Jetta, Chevrolet Cruze, Nissan Sentra, and Hyundai Elantra.

Nissan Rogue insurance rates

Insurance for a Nissan Rogue in Rockville averages $2,114 per year (about $176 per month) and ranges from $1,758 to $4,830 annually.

The Nissan Rogue is considered a compact SUV, and other models popular in Rockville include the Chevrolet Equinox, Mazda CX-5, Subaru Forester, and Ford Escape.

Kia Sorento insurance rates

In Rockville, Kia Sorento insurance costs an average of $2,232 per year ($186 per month) and has a range of $1,856 to $5,128 annually.

The Kia Sorento is classified as a midsize SUV, and other models popular in Rockville include the Ford Edge, Jeep Grand Cherokee, and Ford Explorer.

Toyota Supra insurance rates

In Rockville, Toyota Supra insurance averages $2,570 per year, or around $214 per month, and ranges from $1,986 to $5,488 annually for the different driver profiles in the chart below.

The Toyota Supra belongs to the sports car segment, and other models in that segment include the Chevrolet Camaro, Subaru BRZ, Nissan 370Z, and Chevrolet Corvette.

Tips for saving money on Rockville car insurance

Shrewd drivers are always searching for ways to reduce the monthly expense for insurance, so take a minute or two to look through the tips and ideas in the list below and maybe you’ll be able to save a few bucks on your next policy.

• Save money due to your job. Most car insurance companies offer discounts for being employed in professions like firefighters, emergency medical technicians, doctors, engineers, lawyers, and others. By working in a profession that qualifies for this discount, you could save between $71 and $229 on your auto insurance bill, depending on the age of the driver.
• Clean up your credit to lower your rates. Having a good credit rating over 800 could save as much as $370 per year when compared to a lower credit score of 670-739. Conversely, a lower credit rating could cost around $428 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Reduce coverage on older vehicles. Removing comprehensive and/or collision coverage from older vehicles whose value has decreased will trim the cost considerably.
• Choose a vehicle that is more affordable to insure. Vehicle type has a significant impact on the cost of insurance. As an example, a Hyundai Venue costs $1,632 less per year to insure in Rockville than a Dodge Challenger. Drive cheaper models and save money.
• Shop around and save. Setting aside the time to get a few free car insurance quotes could save a pile of cash. Rates change quite often and you are not locked into any one company.
• Lower policy cost by raising deductibles. Increasing your policy deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• Fewer accidents means cheaper auto insurance in Rockville. Too many at-fault accidents will increase rates, possibly by an additional $1,134 per year for a 30-year-old driver and even $708 per year for a 50-year-old driver. So be safe and save.