Rockville Car Insurance Cost – 2025 Rates + Cheapest to Insure

• Rockville car insurance rates average $2,308 per year for full coverage, or approximately $192 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 $2,308 per year, which is around $192 per month. Rockville car insurance costs 3.8% more than the national average rate of $2,221.

In the state of Maryland, the average cost of car insurance is $2,352 per year, so the average cost in Rockville is $44 less per year. When compared to other cities in Maryland, the cost of insurance in Rockville is approximately $122 per year cheaper than in Bowie, $8 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 $1,620 per year for a 60-year-old driver with $1,000 comprehensive and collision coverage deductibles to $5,402 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 $2,308 per year.

As a monthly amount, the average cost to insure a vehicle in Rockville ranges from $135 to $450 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 – $8,224 per year or $685 per month
• 17-year-old driver – $7,968 per year or $664 per month
• 18-year-old driver – $7,140 per year or $595 per month
• 19-year-old driver – $6,503 per year or $542 per month
• 20-year-old driver – $4,644 per year or $387 per month
• 30-year-old driver – $2,464 per year or $205 per month
• 40-year-old driver – $2,308 per year or $192 per month
• 50-year-old driver – $2,046 per year or $171 per month
• 60-year-old driver – $1,916 per year or $160 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 $958 more per year for $250 physical damage deductibles versus $1,000.
• Average car insurance cost per month ranges from $160 to $685 – 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 $5,499 to $8,224 per year for teen driver car insurance in Rockville.
• Rockville, MD, car insurance cost is more than the U.S. average – $2,308 (Rockville average) versus $2,221 (U.S. average)
• Rockville car insurance rates are cheaper than the Maryland state average – $2,308 (Rockville average) versus $2,352 (Maryland average)
• Car insurance cost decreases as you get older – Insurance rates for a 50-year-old driver in Rockville are $2,598 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 $156 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, Honda HR-V, 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 $2,008 or less per year, or around $167 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 $1,842 per year for a full coverage policy to the Rivian R1S at $2,838 per year, a difference of $996 within that segment. As another example, in the midsize truck segment, the average insurance cost ranges from the Chevrolet Colorado at $2,034 per year to the Rivian R1T at $2,878 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 $2,008 per year. Second place is the Nissan Leaf at $2,022 per year, ranking third is the Honda Civic, costing an average of $2,046 per year, and the fourth cheapest is the Nissan Sentra, at an average of $2,116 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 $2,248 per year or less.

Ranking between positions 10 and 20, models like the Mitsubishi Mirage G4, Subaru Legacy, Hyundai Sonata, Kia Forte, Volkswagen Jetta, and Nissan Versa average between $2,248 and $2,386 per year for auto insurance in Rockville.

Full-coverage insurance in Rockville for this segment for a good driver starts at around $167 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 $1,706 to $1,842 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 $1,892 per year or less.

In the bottom half of the top 20, models like the Honda CR-V, Honda HR-V, Buick Envista, Nissan Murano, Volkswagen Tiguan, and Subaru Ascent cost between $1,892 and $2,012 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 $142 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 $142 per month and ending with the Subaru Ascent at $168 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 $2,054 per year, the BMW 330i at $2,350 per year, and the Mercedes-Benz CLA250 at $2,374 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 $2,428 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 $2,428 and $2,588 per year for auto insurance in Rockville.

From a monthly standpoint, full-coverage auto insurance on this segment in Rockville starts at around $171 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 $2,054 per year and ending with the Audi S3 at $2,588 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 $2,178 or less per year, or around $182 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 $2,226 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 $2,226 and $2,318 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 $161 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 $1,932 per year, or $161 per month. For midsize 2024 models, the Jaguar E-Pace has the best rates at $2,160 per year, or $180 per month. And for large luxury SUVs, the Infiniti QX80 has the most affordable rates at $2,588 per year, or $216 per month.

The comparison table below ranks the SUVs with the cheapest insurance rates in Rockville, starting with the Acura RDX at $1,932 per year ($161 per month) and ending with the Lexus RX 350 at $2,318 per year ($193 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 $2,034 per year, the Nissan Titan at $2,160 per year, and the Nissan Frontier at $2,182 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 $2,376 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 $170 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 $2,034 per year ($170 per month) and ending with the Ram Truck at $2,668 per year ($222 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 $216 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 $2,758 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 $2,758 and $3,910 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 $178 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 $2,136 per year ($178 per month) and ending with the Porsche Taycan at $3,910 per year ($326 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 $2,668 per year, or around $222 per month, and has a range of $2,216 to $6,148 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 $2,046 per year ($171 per month) and ranges from $1,702 to $4,638 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 $2,074 per year (about $173 per month) and ranges from $1,724 to $4,742 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 $2,190 per year ($183 per month) and has a range of $1,822 to $5,032 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 $2,520 per year, or around $210 per month, and ranges from $1,948 to $5,388 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 $69 and $224 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 $362 per year when compared to a lower credit score of 670-739. Conversely, a lower credit rating could cost around $420 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 $1,602 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 $374 per year for a 40-year-old driver and $724 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 $1,114 per year for a 30-year-old driver and even $696 per year for a 50-year-old driver. So be safe and save.