A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jun 7, 2022

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Just What's Essential

  • The cheapest car insurance company in Silver Spring after a DUI is Nationwide
  • The cheapest car insurance company in Silver Spring for teen drivers is USAA
  • Average car insurance rates in Silver Spring, MD for senior drivers are $3,206/year

Average car insurance rates in Silver Spring, Maryland are $410 a month. But with a little research you can get a great deal from the top car insurance companies in Silver Spring, MD. Before you buy Silver Spring, Maryland car insurance, make sure your coverage meets or exceeds the Maryland minimum of 30/60/15.

It may even be helpful to compare Silver Spring car insurance rates with Laurel car insurance rates, Rockville car insurance rates, or Gaithersburg car insurance rates to make sure you’re getting the best Silver Spring, MD car insurance quotes available.

Need affordable Silver Spring, MD car insurance? Enter your ZIP code to compare Silver Spring car insurance quotes from multiple car insurance companies near you.

Silver Spring, MD Minimum Car Insurance Coverage

Silver Spring, Maryland law requires drivers carry a minimum of 30/60/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Silver Spring, Maryland

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Silver Spring, MD Car Insurance Rates by Coverage Level

Some Silver Spring drivers can get by with the Maryland minimum coverage of 30/60/15. Other drivers may need more. See how much your Silver Spring, Maryland car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Silver Spring, Maryland

Insurance Company Low Medium High
Allstate $5,641 $5,753 $5,977
GEICO $3,687 $3,805 $3,994
Liberty Mutual $9,387 $9,657 $10,000
Nationwide $3,275 $3,434 $3,557
Progressive $4,010 $4,218 $4,426
State Farm $4,079 $4,333 $4,549
USAA $3,017 $3,222 $3,394

Silver Spring, MD Car Insurance Rates by Age, Gender, and Marital Status

Silver Spring, Maryland car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Silver Spring, MD car insurance, get quotes from multiple car insurance companies in the Silver Spring area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Silver Spring, Maryland

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,803 $3,636 $3,637 $3,732 $11,344 $13,333 $3,400 $3,436
GEICO $2,376 $2,608 $2,720 $3,163 $7,291 $8,291 $2,041 $2,141
Liberty Mutual $6,982 $6,982 $6,904 $6,904 $13,450 $19,882 $6,982 $9,366
Nationwide $2,332 $2,336 $2,107 $2,167 $5,538 $7,275 $2,708 $2,913
Progressive $2,500 $2,242 $2,176 $2,228 $9,030 $9,851 $2,902 $2,816
State Farm $2,612 $2,612 $2,412 $2,412 $8,037 $10,267 $2,922 $3,286
USAA $2,302 $2,255 $2,170 $2,151 $5,177 $6,074 $2,630 $2,927

Silver Spring, MD Car Insurance Rates for Teens

How much is Silver Spring, Maryland car insurance for teens? Compare rates from top Silver Spring car insurance companies below to help find the cheapest teen car insurance in Silver Spring, MD.

Annual Car Insurance Rates for Teen Drivers in Silver Spring, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,344 $13,333
GEICO $7,291 $8,291
Liberty Mutual $13,450 $19,882
Nationwide $5,538 $7,275
Progressive $9,030 $9,851
State Farm $8,037 $10,267
USAA $5,177 $6,074

Silver Spring, MD Car Insurance Rates for Seniors

Before seniors buy Silver Spring, Maryland car insurance, they should make sure to shop around. Some Silver Spring, MD car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Silver Spring, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,637 $3,732
GEICO $2,720 $3,163
Liberty Mutual $6,904 $6,904
Nationwide $2,107 $2,167
Progressive $2,176 $2,228
State Farm $2,412 $2,412
USAA $2,170 $2,151

Silver Spring, MD Car Insurance Rates by Credit History

How does your credit history affect Silver Spring, MD car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Silver Spring, Maryland

Insurance Company Poor Fair Good
Allstate $7,507 $5,235 $4,628
GEICO $4,340 $3,595 $3,551
Liberty Mutual $13,832 $8,919 $6,294
Nationwide $4,384 $3,091 $2,792
Progressive $5,310 $3,997 $3,347
State Farm $6,317 $3,750 $2,893
USAA $4,277 $2,942 $2,415

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Silver Spring, MD Car Insurance Rates by Driver History

How does a single speeding ticket affect your Silver Spring, Maryland car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Silver Spring.

Annual Silver Spring, Maryland Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,115 $6,832 $5,115 $6,098
GEICO $2,705 $4,226 $5,183 $3,201
Liberty Mutual $6,922 $9,143 $13,870 $8,792
Nationwide $3,007 $4,049 $3,220 $3,413
Progressive $3,598 $4,789 $4,346 $4,140
State Farm $3,866 $4,875 $4,270 $4,270
USAA $2,519 $3,106 $4,506 $2,713

Silver Spring, MD Car Insurance Rates With a DUI

Even a single DUI can increase your Silver Spring, MD car insurance rates. Compare rates below to see which Silver Spring car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Silver Spring, Maryland

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,115
GEICO $5,183
Liberty Mutual $13,870
Nationwide $3,220
Progressive $4,346
State Farm $4,270
USAA $4,506

Silver Spring, MD Car Insurance Rates by ZIP Code

Just like Silver Spring car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Silver Spring, MD car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Silver Spring, Maryland

ZIP Code Average Annual Rates
20902 $4,342
20903 $4,896
20904 $4,407
20905 $4,171
20906 $4,340
20910 $4,064
20912 $4,719

Silver Spring, MD Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Silver Spring, MD car insurance rates may be. Let’s take a look at average car insurance rates from top Silver Spring companies based on commute time.

Annual Car Insurance Rates by Commute Length in Silver Spring, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,708 $5,873
GEICO $3,766 $3,892
Liberty Mutual $9,426 $9,937
Nationwide $3,422 $3,422
Progressive $4,218 $4,218
State Farm $4,207 $4,433
USAA $3,110 $3,311

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Silver Spring, MD Cheapest Car Insurance Rates

How do the top Silver Spring, Maryland car insurance companies’ average rates stack up against the Silver Spring average monthly car insurance rates of $410? Take a look and see.

Best Annual Car Insurance Rates by Company in Silver Spring, Maryland

Category Insurance Company
Teenagers USAA
Seniors Nationwide
Clean Record USAA
With 1 Accident USAA
With 1 DUI Nationwide
With 1 Speeding Violation USAA

Silver Spring, MD Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Silver Spring, Maryland car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Silver Spring, Maryland

Insurance Company Average Annual Rates
Allstate $5,790
GEICO $3,829
Liberty Mutual $9,682
Nationwide $3,422
Progressive $4,218
State Farm $4,320
USAA $3,211

Other Factors Affecting Silver Spring, MD Car Insurance Rates

Before you buy Silver Spring, Maryland car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Silver Spring, MD Commute Time

How does your Silver Spring, MD commute time compare with the average driver? In Silver Spring, the average commute is 35.1 minutes.

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Silver Spring, MD Car Insurance Quotes

Compare Silver Spring, MD car insurance quotes from multiple companies by entering your ZIP code now.