Best Gaithersburg, MD Auto Insurance in 2024 (Check Out the Top 10 Companies)

The best Gaithersburg, MD auto insurance options come from Erie, USAA, and Nationwide, with rates starting as low as $95 per month. Erie is the top pick, offering competitive coverage and strong customer service.

USAA excels for military families, while Nationwide provides discounts for safe drivers. Keep reading to compare rates and find the cheapest auto insurance for your needs in Gaithersburg.

Our Top 10 Company Picks: Best Gaithersburg, MD Auto Insurance

See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool.

#1 – Erie: Top Overall Pick

Pros

• Competitive Prices: Erie provides budget-friendly rates for car insurance in Gaithersburg, which is a big plus. To get the facts, please read our Erie auto insurance review.
• Exceptional Customer Service: Erie offers great customer service with personalized help while servicing its customers in Maryland.
• Wide Coverage: Provides expansive auto insurance plans and unique add-ons for customization in Maryland.

Cons

• Coverage: Erie may not be available in all parts of Gaithersburg, MD, so it could be difficult for some drivers to obtain coverage.
• Higher Premiums for High-Risk Drivers: Drivers with previous accidents or violations in Maryland can expect expensive premiums from Erie.

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#2 –USAA: Best for Military Family 

Pros

• Discounts: USAA offers large discounts for active and retired military personnel in Maryland, making this lifeline a valuable option for many service members.
• High Customer Satisfaction: USAA has high customer satisfaction rankings and good claims service for car owners in Gaithersburg.
• Extensive Coverage: Provides specialized coverage options for military families in Maryland, such as roadside assistance. To gain a comprehensive understanding, access our USAA auto insurance review.

Cons

• Contingent on Being Military Family: USAA coverage is available only to military families—non-military residents in Gaithersburg cannot get USAA coverage.
• Localized Offices are Limited: USAA provides most of its services online or via telephone, and there are very few offices in Gaithersburg, MD, where you can get face-to-face service.

#3 – Nationwide: Best for Safe Driver Discounts

Pros

• Safe Driver Discount: In Gaithersburg, MD, drivers can earn a Safe Driver discount for having a clean driving record. For in-depth information, look into our Nationwide auto insurance review.
• Strong Financial Stability: Nationwide is a financial powerhouse that gives drivers in Maryland peace of mind when looking for coverage you can count on.
• Diverse Coverage Types: Nationwide offers various coverage types, such as new car replacement and accident forgiveness, for drivers in Gaithersburg.

Cons

• Few Discounts for High-Risk Drivers: Nationwide might not have much to offer those with bad driving records in Gaithersburg, MD.
• Older Drivers: In Maryland, older drivers often pay more for insurance than younger drivers because of age.

#4 – Travelers: Best for Flexible Coverage 

Pros

• Flexible Policy Choices: Travelers offers auto insurance policies that can be tailored to fit the needs of all Gaithersburg drivers.
• 24/7 Claims Support: Excellent when you need it. Maryland car owners will get this peace of mind. To expand your knowledge, refer to our full Travelers auto insurance review.
• Multi-Policy Discounts: Residents of Gaithersburg, MD, can reduce their auto insurance costs by purchasing other policies, such as home or renters insurance.

Cons

• Customer Service Disputes: A few Maryland drivers say that Travelers’ purchaser administration is not very quick.
• Age: Young driver rates from Travelers in Gaithersburg, MD, are higher.

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#5 – State Farm: Best for Experience

Pros

• Extensive Agent Network: State Farm boasts an extensive network of local agents in Maryland.
• Driving Discounts: Good drivers in Gaithersburg, MD, can occasionally get discounted rates through their Drive Safe & Save program. Read our State Farm auto insurance review to learn more.
• Well-known Stability: Gaithersburg drivers can take comfort in the fact that State Farm is one of the market’s most financially secure auto insurance companies.

Cons

• Higher Premiums for Frequent Lunch Drivers: State Farm’s actual charges in Gaithersburg, MD, can be high
• Limited Coverage Options for High-Risk Drivers: State Farm may offer fewer options for Maryland drivers with complex coverage needs.

#6 – Liberty Mutual: Best for Online Tools 

Pros

• Flexible Coverage: Liberty Mutual offers many coverage choices, allowing drivers in Gaithersburg to create a policy that fits their needs.
• Mobile Apps: This ease of use is one reason why Maryland residents can manage their policies for claims online through a convenient mobile app or website
• Accident Forgiveness: An eligible driver in Gaithersburg, MD, Liberty Mutual won’t hike your rates after your first accident. Get more details by checking our Liberty Mutual auto insurance review.

Cons

• New Drivers Pay Higher Premiums: Liberty Mutual tends to charge more for new drivers than collision coverage in Gaithersburg.
• Smaller Local Footprint: The Liberty Mutual agent network is much smaller than other providers, and you may find it hard to meet with an agent in Maryland.

#7 – Geico: Best for Cheap Insurance

Pros

• Affordable Rates: Geico will provide some of Maryland’s cheapest car insurance rates if you have a clean driving history. Learn more by exploring our Geico auto insurance review.
• Robust Mobile Application: Geico’s well-rated mobile application allows policyholders and claim submitters in Gaithersburg, MD, to manage their next steps.
• Various Discount Options: Geico offers many potential discounts for some drivers in Gaithersburg, such as good student and bundling policy options.

Cons

• Weak Coverage Options: Geico does not offer as many premium coverage options as some of its larger competitors in Maryland.
• Inconsistent Customer Service: While most Geico users are satisfied, some clients in Gaithersburg have highlighted inconsistencies in the company’s customer service approach.

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#8 – Farmers: Best for Customized Options

Pros

• Variety of Plans: Farmers offers customized coverage options, which means Gaithersburg drivers can choose the right policy for their needs.
• Discounts: When drivers from Gaithersburg, MD, sign up with them, they are offered numerous discounts to save big. Gain deeper insights by reading our Farmers auto insurance review.
• Robust Agent Base in Your Local Area: Farmers has a notable local presence in Maryland, and you can find many local agents there who have all the time in the world to meet with you face to face.

Cons

• Average Rates: In Gaithersburg, drivers will generally be required to pay more for Farmers than they would from a competitor such as Geico or Progressive.
• Slow Claims Processing: Farmers has received negative reviews for slow claims processing with customers in Maryland.

#9 – Allstate: Best for Multi-Policy Discount

Pros

• Extensive Coverage Options: Drivers in Maryland can select from various coverage types through Allstate, such as rental car coverage and gap insurance.
• Good Mobile App: Allstate has an app that helps policyholders in Gaithersburg, MD, manage their policies and file claims on the go. Read our Allstate auto insurance review to learn more.
• Safe Driver Discounts: At Allstate, safe driving pays off, and if you have the Drivewise app in Gaithersburg, you will earn some discounts.

Cons

• Costlier Premiums: One drawback of Allstate in Maryland is its higher premiums for certain drivers, particularly those with poor driving records.
• Customer Service Problems: Many drivers in Gaithersburg, MD, describe Allstate insurance as frustrating, especially when filing a claim takes time.

#10 – Progressive: Best for Customizable Coverage 

Pros

• Economical Premiums: If you have a not-so-clean driving record, Progressive is super affordable in Maryland. See our Progressive auto insurance review to gain more clarity.
• Discount Programs: Drivers in Gaithersburg, MD, can save more with Progressive’s Snapshot program that rewards good driving with lower rates
• Diverse Array of Add-Ons: Progressive offers options for optional coverages, such as roadside assistance and rental car coverage, for folks in Gaithersburg.

Cons

• Higher Charges: Progressive may charge rates higher in Gaithersburg for drivers with poor driving records
• Few Local Office Resources: Progressive is primarily an online and phone-based service, which may make it challenging for drivers to walk into an office in Maryland.

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Auto Insurance Coverage Requirements in Gaithersburg, MD

Just because Maryland’s state minimums are higher than most other states doesn’t mean your coverage needs to be more expensive. And besides, factors that affect your car insurance premium, like having those extra coverages, also protect you from uninsured motorists.

Gaithersburg, MD Auto Insurance Monthly Rates by Provider & Coverage Level

Many insurance providers are eager to earn your business in Gaithersburg, which is why they offer some of the lowest auto insurance rates in the area.
Auto Insurance Discounts From the Top Providers in Gaithersburg, MD

However, don’t be tempted by a cheap price alone—make sure the company you choose values customer service and is reliable when paying claims.

Gaithersburg, MD Report Card: Auto Insurance Premiums

Gaithersburg, MD, auto insurance companies evaluate several elements when determining car insurance quotes, including gender, occupation, ZIP code, driving distance to work, and theft protection devices.

Gaithersburg, MD Auto Accident & Insurance Claim Statistics

Additionally, premiums differ from one carrier to another. Do you want to verify that you are still paying a cheap rate? Then compare the cheapest Gaithersburg auto insurance quotes right now online.

Major Factors in Cheap Car Insurance Companies in Gaithersburg, Maryland

A range of factors could influence the rate quotes you receive. While some factors are beyond your control, others are variables you can adjust to your benefit.

For example, understanding the types of auto insurance coverage you choose can significantly impact your premium. Here are a few components that may alter your affordable Gaithersburg, MD, auto insurance rates:

Your ZIP Code

Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher car insurance rates because the additional drivers traveling the road increase the chance of a car accident. The total population of Gaithersburg is 65,690, and the average household income is $79,420.

Automotive Accidents

The rate of serious accidents in Gaithersburg is very low.

Fatal Accident Statistics in Gaithersburg, MD

This is good news for motorists like you for several reasons. Insurance providers tend to charge everyone lower rates when accidents are low in a particular ZIP code.

Auto Thefts in Gaithersburg

Auto theft is a serious problem, particularly in densely populated locations. If your region and vehicle model place you at a higher risk for theft, you might have problems obtaining low-cost car insurance.

There were fewer than 100 cars stolen in Gaithersburg in 2013. Unfortunately, the only way to protect your vehicle from theft is to add comprehensive coverage to your policy – and that can get expensive if you don’t have an appropriately sized deductible.

Your Credit Score

Many people don’t understand how important their credit rating is when determining their car insurance rates.

Gaithersburg, MD Auto Insurance Monthly Rates by Provider & Credit Score

Monthly rates for those with bad credit scores are often significantly higher than those with excellent credit ratings.

Your Age

On average, youthful and unskilled motorists are much more likely to get into accidents. This is exactly why older motorists are billed lower monthly rates—the insurance provider isn’t taking on an enormous financial risk by covering them.

Gaithersburg, MD Auto Insurance Monthly Rates by Provider, Age, & Gender

If you’re a youthful teenage driver, consider good student discount rates, motorist education, and defensive driving courses.

Your Driving Record

The higher the violations you’ve collected on your record, the more likely you are to file claims, leading your provider to request higher rates.

Gaithersburg Auto Insurance Monthly Rates by Provider & Driving Record

However, when you’ve only got a small accident on your record, ask your agent about Accident Forgiveness special discounts.

Your Vehicle

You must pay more for insurance when covering a costly luxury vehicle.

Gaithersburg, MD Auto Insurance Monthly Rates by Vehicle & Coverage Level

Suppose you file an insurance claim in Gaithersburg, Maryland. In that case, such cars are more expensive to exchange or repair, and you’ll need more than the state minimum coverage to safeguard your automobile properly.

Minor Factors in Cheap Auto Insurance in Gaithersburg, Maryland

However, other factors, such as your selected auto insurance coverage, may also alter your rate. The type and extent of coverage can significantly impact your premiums.

Your Marital Status

For individual insurance policies, marital status will only alter the price of your rate by 2-3% if it alters it whatsoever. However, married people could get large discount rates by bundling their products.

And when you’ve homeowner’s or renter’s insurance, bundling all policies can save you much more.

Your Gender

Gender has very little substantial influence on your monthly rate. Many companies don’t charge different rates according to gender. Old-fashioned institutions, which still do, rarely charge more than a few percentage points of difference.

Your Driving Distance to Work

Despite the city’s recent embrace of New Urbanism construction projects, it can still take a while to get to work in Gaithersburg. The average driver may spend 26-35 minutes behind the wheel each way. Anywhere between 3% and 13% of drivers are likely to carpool to work.

If you have your automobile on your insurance plan like a business vehicle, you will probably pay around 10% more, no matter how frequently you drive yearly. However, the total miles driven and your purpose on the highway (work/school/pleasure) will not change your monthly rates by more than 1-2%.

Your Coverage and Deductibles

Naturally, your monthly premiums will increase the more insurance coverage you purchase. However, you can purchase the coverage you need and keep your monthly rate relatively low by raising your deductible.

Yes, you will have higher out-of-pocket expenses in the event of a claim, but you will have lower monthly premiums as a result.

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Education in Gaithersburg, MD

If you have obtained a higher education level (beyond a standard high school diploma), there may be more benefits than you realize. For starters, you can usually get a lower rate on car insurance just for having an advanced degree – even more than a nice job or a wealthy salary. More than one-quarter of drivers in Gaithersburg have a bachelor’s degree, while 15% have not yet gone beyond a high school education.

For those Gaithersburg residents who would like to expand their education, the city is located within easy driving distance of Rockville and, to a lesser extent, Frederick. Both towns host their fair share of prestigious four-year institutions.

For something a little more local, you can also try the Gaithersburg campus of Montgomery College, which can help you prepare for a four-year university or assist you with an associate’s degree. Additionally, if you’re a student, exploring options for car insurance for students can help you save on premiums while in school.

Establishing your insurance costs can be very hard for the average insurance shopper. Insurance companies have an edge over consumers because of their statistics and vast experience. Learn what insurance companies don’t want you to know. Get the best auto insurance rates possible by entering your ZIP code into our free comparison tool today.