Average car insurance cost in Rockville, Maryland

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Based on our data, Rockville drivers pay an average of $1,712 annually for car insurance. It’s $34 less than the Maryland state average and $183 less than the national average.

Where you live plays a big role in how much you pay for car insurance. Areas with high population density, theft and accident rates tend to have higher premiums.

Comparing car insurance rates in Rockville to state and national averages can help you determine if you’re getting a good deal or if it’s time to explore other options. Below, we outline local trends, rate differences and ways to save.

Cheap car insurance companies in Rockville

GEICO offers the most affordable full coverage car insurance in Rockville, at $1,185 annually, with coverage limits of $100,000 in bodily injury per person, $300,000 total per accident, and $100,000 for property damage.

Nationwide offers the second-lowest rate in Rockville, with an average yearly premium of $1,261.

Car insurance rates vary by company because each insurer uses its own method to assess risk and determine premiums. That’s why it’s smart to compare quotes from different providers to find coverage that fits your needs and budget.

Below is a breakdown of average yearly and monthly car insurance rates from different insurers in Rockville.

Read about the best car insurance companies.

Average car insurance cost in Rockville by coverage limits

Here’s a breakdown of average car insurance rates in Rockville by coverage type.

• State minimum coverage: $772 per year (limits are $25,000 bodily injury liability per person, $50,000 total bodily injury liability per accident and $25,000 property damage liability per accident).
• Liability only coverage: $798 per year (limits are $50,000 bodily injury liability per person, $100,000 total bodily injury liability per accident and $50,000 property damage liability per accident).
• Full coverage: $1,712 per year (limits are $100,000 bodily injury liability per person, $300,000 total bodily injury liability per accident and $100,000 property damage liability per accident).
• Non-owners coverage: $479 per year

While liability insurance is required in nearly every state to drive legally, the minimum coverage limits differ by state. This coverage protects you financially if you’re responsible for injuring someone or damaging their property in a crash.

Minimum liability insurance only covers damage or injuries you cause to others – it won’t help with your own medical bills or car repairs. You should consider adding collision and comprehensive coverage for adequate protection.

Average car insurance rates by gender in Rockville

In Rockville, female drivers pay an average of $1,711 per year for car insurance. In comparison, male drivers pay $1,713 annually, which is $2 more than what female drivers pay. Most states consider gender when calculating premiums. However, states such as California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania don’t allow insurers to use gender as a rating factor to determine insurance rates.

According to the Insurance Information Institute, or Triple-I, women tend to be safer drivers than men and are less likely to be involved in severe accidents. Insurers account for this risk by charging male drivers higher premiums.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Rockville

Teen drivers in Rockville experience the highest insurance rates, paying an average of $5,331 per year or $444 per month.

According to the Insurance Information Institute, teens aged 16 to 19 are considered high-risk due to their inexperience behind the wheel. On average, teen drivers pay $2,357 more than young adults for insurance.

With age and experience, young drivers often see a drop in car insurance premiums. On average, 20 to 24-year-olds pay $2,974 per year – a difference of $2,357 less than compared to teen drivers.

Drivers in Rockville aged 25 to 55 typically pay $1,722 a year for car insurance. For senior drivers aged between 60 and 75, the average annual premium is $1,815.

Read more on auto insurance for seniors.

The table below shows the average annual full coverage car insurance rates for drivers of different age groups.

Car insurance rate trends in Rockville

From 2022 to 2023, drivers in Rockville experienced an upward trend in car insurance premiums, with average rates increase by 7% or about $117.

The graph below tracks insurance costs from 2016 to 2023, highlighting long-term trends that help explain today’s rate changes.

How drivers can save on insurance even with higher rates

Car insurance rates in Rockville are lower than the Maryland state average. To find affordable coverage, consider comparing quotes from at least three to five insurers. You can also save by taking advantage of discounts for safe driving, low annual mileage or bundling your policies.

Methodology

Insure.com commissioned car insurance rates in 2023 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your rates may vary.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.