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Get Cheap Car Insurance in Germantown, MD
We monitor insurance prices, helping the average driver in Germantown save up to 26.9% on car insurance.
The Cheapest Minimum Coverage in Germantown
The chart below shows the cheapest car insurance company in Germantown for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Erie Insurance, Travelers, and Safeco Insurance.
| Germantown Insurer | Monthly Cost |
|---|---|
| State Farm | $93 |
| Erie Insurance | $94 |
| Travelers | $108 |
| Safeco Insurance | $112 |
Savings for Every Kind of Germantown Driver
Based on our extensive insurance data, we know the average Germantown driver will save about 19% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $375 per year by choosing the right vehicle insurance company. Some Germantown residents are paying out over $2,012 extra every year for auto insurance in Germantown. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Germantown, MD Savings / Yr. |
|---|---|
$375 |
|
$352 |
|
$409 |
|
$660 |
|
$1,269 |
|
$227 |
|
$887 |
Germantown Car Insurance vs. Maryland
People living in Germantown pay an average of 8.57% more than the typical driver in the state. The average driver in Germantown can expect to pay about $1,371 per year, or $2,012 for full coverage.
Based on our analysis, MetLife will be the cheapest provider in Germantown for most people.
Car Insurance Prices by Germantown Neighborhood
Insurance Prices
Where is insurance cheapest within Germantown?
The map shows insurance prices in and around Germantown, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $400 per year within the city boundaries, with insurance premiums ranging from a high of $2,190 to a low of $1,790. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Germantown.Pick the Best Car Insurance Company for You in Germantown
The best car insurance provider for most drivers in Germantown
For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $375 over the average Germantown car insurance company.
The best car insurance provider for Germantown drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $352 over the competition.
The best car insurance company for Germantown drivers with speeding tickets
>Erie Insurance gave the average person with a speeding ticket the most savings, averaging $409 better than other car insurance companies.
The best auto insurance for Germantown drivers with a DUI conviction
Getting a quote from Erie Insurance may cost the average person with a DUI about $660 less each year.
The least expensive car insurance company for new and young drivers in Germantown
In Germantown, Erie Insurance costs young drivers $1,269 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Germantown
State Farm gave the largest car insurance discounts to married couples, averaging $227 saved each year compared to an average Germantown couple's premiums.
The cheapest car insurance in Germantown for drivers with bad credit
The best Germantown car insurance company for customer service
Nationwide was the best company for customer service in Germantown according to the NAIC.
Recent price drops
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The cheapest large national provider in Germantown
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Germantown driver can expect to pay about $133 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Germantown, USAA has the best prices for drivers with a DUI conviction, drivers with bad credit, drivers with accidents, married couples, drivers with speeding tickets, young drivers, and good drivers.Auto Insurance Prices in and Around Germantown
What Influences the Cost of Car Insurance in Germantown?
On average, car insurance in Germantown is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Germantown is 44 minutes, which is a little more than average for a driver in the state.
- Maryland state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Germantown are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Germantown has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Germantown is $114 per month for minimum coverage and $168 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Boyds: Insurance costs 2.98% less
- Montgomery Village: Insurance costs 3.23% more
- Gaithersburg: Insurance costs 0.30% more
- Cedar Grove: Insurance costs 3.88% less
- Clarksburg: Insurance costs 3.53% less
- Washington Grove: Insurance costs 3.33% more
- North Potomac: Insurance costs 4.37% less
- Redland: Insurance costs 4.08% less
- Laytonsville: Insurance costs 4.92% less
- Derwood: Insurance costs 1.99% less
Cities with Similar Populations
- New Port Richey: Insurance costs 38.02% more
- New Braunfels: Insurance costs 17.64% less
- New Britain: Insurance costs 9.74% more
- Norman: Insurance costs 11.13% less
- Norwalk: Insurance costs 12.03% more
- Norwalk: Insurance costs 13.07% more
- New York: Insurance costs 11.93% less
- New Bedford: Insurance costs 8.80% less
- Livonia: Insurance costs 48.81% more
- Lexington: Insurance costs 18.14% less