Best Rockville, MD Auto Insurance in 2024 (Find the Top 10 Companies Here)
The best Rockville, MD, auto insurance providers include State Farm, Geico, and Progressive, with monthly rates starting at $90. These providers offer competitive pricing, outstanding customer service, and customizable coverage plans, making them ideal options for your vehicle needs in Rockville, Maryland.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Nov 22, 2024
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The best Rockville, MD auto insurance providers are State Farm, Geico, and Progressive, with State Farm standing out as the leading option for budget-friendly rates and reliable coverage for as low as $90 per month.
These insurers offer Rockville, Maryland drivers the most affordable and reliable coverage, customer service, and premium rates which is perfect for their vehicle needs.
Our Top 10 Company Picks: Best Rockville, MD Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 17% B Reliable Coverage State Farm
#2 25% A++ Affordable Rates Geico
#3 10% A+ Custom Policies Progressive
#4 25% A+ Safe Drivers Allstate
#5 13% A++ Home Bundles Travelers
#6 20% A+ Accident Forgiveness Nationwide
#7 25% A New Vehicles Liberty Mutual
#8 25% A++ Rate Stability Erie
#9 10% A++ Military Families USAA
#10 20% A Multi-policy Discounts Farmers
In our guide below, we will compare auto insurance companies to find the cheapest Rockville, MD auto insurance with dependable service for your peace of mind. Enter your ZIP code now to begin.
#1 – State Farm: Top Overall Pick
Pros
- Affordable Rates: Offers competitive premiums starting at $90/month, making it an excellent choice for budget-conscious drivers in Rockville.
- Reliable Coverage: Known for consistent claims service, ensuring peace of mind for residents. Learn all you need with our guide, “State Farm Auto Insurance Review.”
- Agent Accessibility: A large network of local agents provides a personal touch for policyholders in the area.
Cons
- Limited High-Risk Options: May not be ideal for Rockville drivers with previous accidents or violations.
- Moderate Discount Variety: While reliable, the discount options might not be as robust as other providers.
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#2 – Geico: Best for Affordable Rates
Pros
- Affordable Premiums: Offers some of the most competitive pricing for drivers in Rockville, especially those with clean records.
- User-Friendly Platform: Convenient tools like a mobile app and online services simplify managing coverage for local drivers.
- Efficient Claims Handling: Known for prompt resolution, ensuring Rockville drivers get back on the road quickly.
Cons
- Limited Personal Interaction: Not the best for drivers who prefer face-to-face service with a local agent. Tap into our guide “Geico Auto insurance Review for details”.
- Higher Costs for Young Drivers: Rates for teenagers and young adults in Rockville can be higher than average.
#3 – Progressive: Best for Custom Policies
Pros
- Custom Policies: Tailored options to suit the unique needs of Rockville’s diverse driving community.
- Safe Driving Incentives: Programs like Snapshot reward Rockville drivers for maintaining good driving habits.
- Online Convenience: A strong digital platform simplifies access to quotes and claims for local residents.
Cons
- Inconsistent Reviews: Customer experiences in Rockville can vary, depending on claims complexity. See our guide, “Progressive Auto Insurance Review” for tips and tricks.
- Behavior-Based Discounts: Savings heavily depend on individual driving patterns, which might not suit all drivers.
#4 – Allstate: Best for Safe Drivers
Pros
- Rewards Safe Drivers: Offers programs like Drivewise, ideal for careful drivers in Rockville. Check out the essentials in our guide, “Allstate Auto Insurance Review.”
- Comprehensive Bundling: Great for residents looking to bundle home and auto insurance for added savings.
- Reliable Claims Service: Positive feedback from Rockville customers for handling claims efficiently.
Cons
- Higher Premiums: Base rates can be more expensive than other providers in the Rockville area.
- Limited Mileage Discounts: Drivers with shorter commutes may not benefit from significant savings.
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#5 – Travelers: Best for Home Bundles
Pros
- Bundling Discounts: Excellent for Rockville residents looking to combine home and auto insurance.
- Specialized Add-Ons: Options like gap insurance cater to specific needs in Rockville’s market. Understand it with our guide, “Travelers Auto Insurance Review“
- Green Vehicle Savings: Rewards drivers with hybrid or electric cars, a growing trend in Maryland.
Cons
- Pricier Policies: Rates are often higher compared to competitors, even for Rockville drivers with clean records.
- Mixed Support Feedback: Customer service in Rockville may not always meet expectations.
#6 – Nationwide: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Protects Rockville drivers from premium increases after their first at-fault accident.
- Vanishing Deductible: Rewards safe driving, which is valuable for those navigating Rockville’s busy streets.
- Bundling Options: Provides substantial discounts for combining auto with other insurance policies, such as renters or home.
Cons
- Limited Tech Features: Online and mobile app capabilities are less advanced compared to other options in Rockville.
- Premium Fluctuations: Claims may lead to significant rate increases over time. Browse through our helpful guide, “Nationwide Auto Insurance Review.”
#7 – Liberty Mutual: Best for New Vehicles
Pros
- Custom Coverage: Offers unique policies for new vehicles, ideal for Rockville’s urban drivers.
- Multi-Car Savings: Significant discounts for families with multiple vehicles in Rockville.
- Convenient Mobile Tools: A highly rated app helps Rockville residents manage policies on the go.
Cons
- Higher Rates: Often more expensive compared to other options for local drivers. Familiarize yourself with our guide, “Liberty Mutual Auto Insurance review.”
- Unstable Pricing: Premiums can fluctuate significantly, depending on claims and policy changes.
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#8 – Erie: Best for Rate Stability
Pros
- Consistent Pricing: Maintains stable rates, a significant benefit for long-term Rockville customers.
- Exceptional Customer Service: Known for strong local support tailored to Maryland’s market.
- Regional Focus: Specializes in serving Rockville and surrounding areas with tailored policies.
Cons
- Limited Availability: Coverage is only offered in select states, which could limit options for those moving out of Rockville.
- Digital Tools: Online and mobile app capabilities lag behind larger providers. Read more through our Erie auto insurance review.
#9 – USAA: Best for Military Families
Pros
- Exclusive Benefits: Tailored specifically for military members and their families in Rockville.
- Affordable Rates: Low premiums offer great value for eligible customers. Use our guide “USAA Auto Insurance Review” as a resource
- Top-Notch Support: Renowned for high customer satisfaction across the board.
Cons
- Restricted Access: Limited to military families, leaving others in Rockville without access.
- Niche Market: Not ideal for non-military residents looking for local auto insurance options.
#10 – Farmers: Best for Multi-Policy Discounts
Pros
- Multi-Policy Savings: Combines policies for Rockville residents seeking discounts. Get guidance from our guide, “Farmers Auto Insurance Review.”
- Roadside Assistance: Adds value for those driving longer distances or commuting in Maryland.
- Local Agent Support: Personalized service through local agents familiar with Rockville’s needs.
Cons
- Expensive Premiums: Base rates are higher than many competitors in Rockville.
- Discount Limitations: Fewer savings opportunities for drivers not bundling policies.
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Auto Insurance Rates in Rockville
How much is car insurance in Rockville, Maryland? The average auto insurance cost in Rockville is $330.52 a month or $3,966.23 annually.
To get the best auto insurance rates in Rockville, it’s important to understand what companies look for when determining rates, including the various car insurance discounts they offer.
Rockville, MD Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$125 $185
$110 $170
$130 $190
$95 $150
$140 $200
$120 $175
$115 $165
$105 $160
$132 $180
$90 $145
By qualifying for discounts such as safe driver, multi-policy, or good student discounts, you can significantly lower your premiums.
Insurance companies determine your auto insurance by age and gender, but that’s not all. They also determine your auto insurance by ZIP code, commute length, and even look at your credit and driving history. Enter your ZIP code now to begin comparing rates.
Impact of Gender and Age in the Auto Insurance Rates in Rockville
It’s true, companies determine your auto insurance rates by gender and age. If you fall into a demographic that has significantly more chances of getting into an accident, insurance companies charge you higher than average auto insurance rates.
Auto Insurance Discounts From the Top Providers in Rockville, MD
Insurance Company Available Discounts
Safe Driver, Multi-Policy, Anti-Theft, Good Student, Early Signing, Full Payment, Anti-Lock Brakes, New Car, Paperless, Responsible Payer, Smart Student, TeenSMART Driver, Homeowner, Easy Pay
Rate Lock, Multi-Car, Safe Driver, Home/Auto Bundle, Pay-in-Full, Young Driver, Accident Prevention, Reduced Usage, First Accident Forgiveness, Vehicle Storage, College Student Away from Home
Safe Driver, Multi-Car, Good Student, Bundling, Signal Program, Professional Group, Homeowner, Pay-in-Full, Mature Driver, Affinity, Business/Professional Group, ECO Discount (Paperless and Billing), Good Payer, Longtime Customer
Military, Good Student, Multi-Vehicle, Anti-Theft, Emergency Deployment, Seat Belt Use, Federal Employee, New Vehicle, Defensive Driving, Five-Year Accident-Free, Driving Course, Membership Discounts, Daytime Running Lights
New Car Replacement, Online Purchase, Accident-Free, Home/Auto Bundle, Early Shopper, Hybrid Vehicle, Paperless, Alternative Energy Vehicle, Violation-Free, Preferred Payment, Better Car Replacement, Teen Driver, Family Discount
Accident Forgiveness, Paperless Billing, Multi-Policy, Defensive Driving, SmartRide, Pay-in-Full, Family Plan, Safe Driver, Easy Pay, New Car, Continuous Insurance, On Your Side Review, Loyalty, Vanishing Deductible
Snapshot, Multi-Policy, Homeowner, Continuous Insurance, Online Quote, Paperless, Safe Driver, Teen Driver, Distant Student, Pay-in-Full, Homeownership, Married, Snapshot Road Test, Good Payer
Multi-Policy, Safe Driver, Defensive Driving, Anti-Theft, Drive Safe & Save, Good Student, Accident-Free, Home/Auto Bundle, Vehicle Safety, Passive Restraint, Steer Clear (Young Drivers), Driver Training, Safe Vehicle
Home/Auto Bundle, Safe Driver, Multi-Car, New Car Replacement, Hybrid Vehicle, Continuous Insurance, Affinity, Pay-in-Full, Early Quote, IntelliDrive, Auto/Home Discount, Loss-Free, Low Mileage, New Car
Military-Specific, Bundling, Safe Driver, Loyalty Discounts, Good Student, Garage Parking, Defensive Driving, Stored Vehicle, Legacy Discounts, Family Bundling, Low Mileage, Driver Training, Vehicle Recovery
This can impact those looking for cheap car insurance, as those who get hit with higher-than-average auto insurance rates by gender and age monthly are often men and teenagers.
Year after year, men and teenagers cause the most accidents. Because they cost insurance companies more money to protect, they charge them higher rates.
Justin Wright
Licensed Insurance Agent
If you're a teen driver in Rockville, you can't fully escape the higher rates. However, you can lower your insurance by looking into good student discounts or by taking a safe driver course.
When it comes to gender, most insurance providers don’t charge significantly different rates for men versus women. Usually, the difference is only a 2-3 percent increase.
Men pay under $30 more a month for auto insurance in Rockville than women. However, your age could lessen that gap. Women age 60 receive the cheapest average rates, which is normal and reflects the national average.
Rockville, MD Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Weather-Related Risks | A | Mild weather patterns |
| Uninsured Drivers Rate | B | Moderate uninsured drivers |
| Vehicle Theft Rate | B | Below-average theft rate |
| Average Claim Size | C | Average claim expenses |
| Traffic Density | C | Moderate traffic volume |
Something unique to Rockville is that auto insurance rates for men increase after you turn 60. The increase could be because Rockville has a slightly older than average population. That demographic likely causes more automobile accidents in the city than younger men.
Don’t worry too much, the increase for 60-year-old men is less than a dollar a month more than those who are 35. Enter your ZIP code now to begin comparing rates.
Companies With the Best Auto Insurance Rates in Rockville, MD
Let’s compare real rates people in Rockville pay from major auto insurance companies. Keep in mind, your auto insurance quotes will be different depending on your individual demographics.
Rockville, MD Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 3,500 |
| Total Claims Per Year | 2,800 |
| Average Claim Size | $8,000 |
| Percentage of Uninsured Drivers | 12% |
| Vehicle Theft Rate | 120 thefts/year |
| Traffic Density | High |
| Weather-Related Incidents | Medium |
To avoid paying the highest auto insurance rates by Rockville standards, you’ll need to be mindful of your commute length, credit history, and even your driving record.
Stick with us and we’ll help you secure the lower auto insurance rates by exploring the different types of auto insurance coverage. Use our tool below to get a free insurance quote today.
Cheapest Auto Insurance Rates by Company
Take a look at the following table to see average annual rates offered by some of the largest auto insurance companies in Rockville, Maryland.
USAA, Nationwide, and Geico all offer low-cost auto insurance in Rockville, Maryland for all age groups and genders. However, USAA is only available to active or retired military personnel and their families.
Women who are 60 and men who are 25 may get better rates from Nationwide than USAA. No matter who you are, you won’t want to use Liberty Mutual, their rates are much higher than other companies. They cannot give you cheap auto insurance in Rockville, Maryland.
When companies offer similar average rates like this, it makes comparison shopping even more important for you as a consumer. Some of these companies will charge more for things like credit history or commute length.
Depending on your circumstances, those companies might not be as viable for you as they first appear. Enter your ZIP code now to begin comparing rates.
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Factors Affecting Auto Insurance Rates in Rockville, Maryland
To fully answer the question about how are auto insurance premiums calculated, we have to look even deeper than age, gender, and credit history.
Other factors that affect auto insurance include road conditions in the city you live, crime rates, traffic congestion, and the minimum car insurance requirements set by local and state laws. These regulations can influence the types of coverage you need and the cost of your policy.
Keep in mind that companies often use auto insurance rating tiers to determine individual rates, which means they’re checking to see how risky of a driver you are. Proving you’re a low-risk driver will help you get cheap auto insurance.
Higher-risk drivers not only pay more but sometimes a severe violation could lead to companies refusing to insure you. Keep reading to uncover the different facets of Rockville that impact your auto insurance quotes.
Vehicle Theft in Rockville
Auto theft is a significant problem, specifically in densely populated areas. If your vehicle model is more likely to get stolen, you could have problems acquiring low-cost auto insurance.
According to Neighborhood Scout, Rockville is safer than 40 percent of other major American cities. The city is much safer than the state average in regard to violent crimes. In Rockville, you have a 1 in 776 chance of being a victim of a violent crime. The state average is 1 in 213.
However, when it comes to property crimes, which include vehicle thefts, the rates are higher in Rockville than in the rest of the state.
While specific numbers for vehicle theft are not reported, you have a 1 in 77 chance of being a victim to property crime in Rockville. The state average is one in forty-nine.
If you think your vehicle might be vulnerable, consider adding comprehensive coverage to your automotive insurance policy.
Traffic Congestion in Maryland
Areas with more traffic congestion mean drivers are more at risk of being involved in an accident. More chances of getting into an accident mean higher auto insurance rates.
Maryland is very close to the nation’s capital, Washington D.C., a city that generates a lot of traffic congestion. Rockville is located only half an hour from the capitol.
Intrix reports that in 2019, people commuting to Washington D.C. lost 100 and 24 hours to traffic congestion. The city is the 24th worst area for traffic in the country. It gets worse. According to TomTom, Washington D.C. is the 141st-most congested city in the world.
Drivers lose 14 minutes for every half hour drive in the morning on the weekdays, and they lose another 18 minutes for every 30-minute trip in the evenings.
If you’re able to join the nearly 20 percent of Rockville commuters who take public transportation to get to work, you could end up saving on auto insurance costs, and also saving on travel time.
Allstate America’s Best Drivers Report
Just like it sounds, Allstate America’s Best Drivers Report ranks the 200 largest American cities based on how safe their drivers are. While Rockville is not on the list, both Baltimore and Washington D.C. appear.
However, Washington D.C. was ranked as the second to last city with the safest drivers in the report. Baltimore was ranked last. Both highway 695 in Baltimore and Highway 295 in Washington D.C. were ranked as two of the 15 riskiest roads to drive on in the nation.
If you have to drive through either of these cities or on either of those highways, take extra cautions to avoid an accident.
Vehicle and Auto Insurance Rates
The type of vehicle you drive can change the cost of your auto insurance. An extravagant vehicle will always cost more than the usual fuel-efficient sedan.
If you have a nicer vehicle, you’ll likely also want to purchase more comprehensive and collision auto insurance coverage to protect it. Higher coverage for a vehicle that is more expensive to replace will always cost you more to insure. Enter your ZIP code now to begin comparing rates.
Frequently Asked Questions
Which auto insurance provider is known for offering the most affordable rates in Rockville, MD?
State Farm is recognized for its budget-friendly premiums, with rates starting at $90 per month. This makes it a top choice for cost-conscious drivers in Rockville.
How does Geico’s mobile app benefit drivers in Rockville?
Geico’s app allows Rockville residents to manage their policies, file claims, and access roadside assistance seamlessly. It is particularly helpful for busy drivers needing quick, on-the-go solutions. Enter your ZIP code now to begin comparing.
What unique policy feature does Progressive offer to reward safe driving habits?
Progressive’s Snapshot program provides discounts based on safe driving behavior. This feature is especially beneficial for Rockville drivers, including high-risk drivers, who are looking to demonstrate improved habits on Maryland’s congested roads.
Why might Allstate be a good choice for Rockville drivers who bundle home and auto insurance?
Allstate offers significant discounts for bundling home and auto insurance policies. This makes it a valuable option for Rockville residents seeking comprehensive coverage at reduced costs.
What kind of discount does Travelers provide for drivers with eco-friendly vehicles?
Travelers rewards Rockville drivers who own hybrid or electric cars with special discounts. This aligns with Maryland’s growing focus on sustainability and green living. Enter your ZIP code now to begin comparing.
How does Nationwide’s accident forgiveness program benefit drivers in Rockville?
Nationwide’s program prevents premium increases after a driver’s first at-fault accident.
This feature is particularly advantageous for Rockville drivers navigating high-traffic areas, where minor incidents are common, and it can also provide added peace of mind for businesses seeking commercial auto insurance to protect their fleet and drivers.
Why might Liberty Mutual be more expensive than other auto insurance providers in Rockville?
Liberty Mutual’s policies often come with higher premiums, particularly for comprehensive coverage.
What makes Erie Insurance particularly well-suited for residents of Rockville and the surrounding area?
Erie Insurance focuses on stability and offers consistent pricing, ideal for Rockville residents seeking long-term savings. Additionally, its localized customer service is tailored to the Maryland market. Enter your ZIP code now to begin comparing.
Why is USAA only available to a specific group of drivers in Rockville?
USAA exclusively serves active or retired military personnel and their families, making it a niche provider.
However, it is highly beneficial for eligible Rockville residents, especially since USAA offers competitive rates and programs like the safe driver discount to reward careful driving habits.
What advantage does Farmers Insurance offer for Rockville drivers needing roadside assistance?
Farmers includes comprehensive roadside assistance in many of its auto policies. This is particularly helpful for Rockville commuters who often travel long distances or through congested areas.