Best Car Insurance in Germantown 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Germantown.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
March 15, 2021Kia Sorento LX2087455Allstate$150/mo.$83/mo.
August 23, 2021Mercury Milan Premier2087440Electric$155/mo.$112/mo.
June 23, 2021Jeep Renegade Trailhawk2087626Progressive$212/mo.$112/mo.
July 22, 2021Jeep Compass Limited2087623ClearCover$292/mo.$175/mo.
August 4, 2021Kia Forte EX2087422ClearCover$234/mo.$182/mo.
Here’s more information about what impacts the insurance rates in your Germantown.

How much does car insurance cost in Germantown?

Car insurance in Germantown, Maryland costs single-car drivers an average of $2,771 annually, or about $231 per month. Compared to the state annual average of $3,544, auto insurance in Germantown is $773 lower higher.
Germantown takes its name from the European immigrants that settled there in the early 19th century, but today it’s home to a diverse population at the edge of the Washington, D.C. metropolitan area.
Living close to D.C. comes with a high cost of living, so finding affordable car insurance is important for the 78% of Germantown residents who commute to work by car. Car insurance comparison and broker app Jerry has compiled a guide to everything you need to know about car insurance in Germantown.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Germantown$2,709$1,894$3,187$2,222$2,400$1,482
National Average$3,223$2,143$3,086$1,764$3,423$2,486
GermantownNational Average
All Coverage Before Jerry
$2,709$3,223
All Coverage After Jerry
$1,894$2,143
Minimum Coverage Before Jerry
$3,187$3,086
Minimum Coverage After Jerry
$2,222$1,764
Full Coverage Before Jerry
$2,400$3,423
Full Coverage After Jerry
$1,482$2,486
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Choosing a carrier in Germantown

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Your insurance premium is calculated based on your demographics, vehicle, and driving history along with your location, so no single provider has the best rate for every driver in Germantown. Compare rates to figure out which carrier offers the coverage you need at a rate that fits your budget.
GEICO and Allstate are two of the companies with the best rates in Germantown. You can also look to local insurance companies, where you’ll work with agents who understand the specific needs of drivers in Montgomery County.
Here’s what Jerry users paid with different insurance carriers before and after Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Progressive$2,526$783Compare Prices
Safeco$2,637$491Compare Prices
Travelers$2,040$443Compare Prices
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What kind of car insurance you need in Germantown

In Germantown, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
State law requires all drivers in Maryland to purchase minimum amounts of liability insurance, uninsured motorist coverage, and personal injury protect (PIP). You’ll need to buy the following amounts of coverage to drive legally in Germantown:
  • Bodily injury liability: $30,000 per person / $60,000 per accident
  • Property damage liability: $15,000 per accident
  • Uninsured motorist coverage: $30,000 bodily injury per accident / $60,000 bodily injury per accident / $15,000 property damage per accident
  • Personal injury protection (PIP): $2,500
Failure to meet Maryland state insurance minimums could result in heavy fines or even jail time. Always carry proof of insurance in your car to avoid severe financial and legal consequences.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Maryland’s minimum insurance requirements are thorough, but don’t assume they provide all the protection you need. Consider the following factors that might influence the coverage you need in Germantown.
FactorRecommended coverageDescription
Heavy trafficCollision insuranceCollision insurance covers damage to your vehicle incurred due to a collision with another vehicle or stationary object.
High population densityAccident forgivenessMore drivers on the road means more accidents. Accident forgiveness will prevent your insurance rates from going up after your first at-fault incident.
Tornadoes and floodsComprehensive insuranceComprehensive coverage pays for damage to your vehicle that isn’t the result of a collision, such as from natural disasters.
Rural highwaysRoadside assistanceIf you’re driving in the rural areas near Germantown, it’s worth having roadside assistance to cover towing, lockout services, fuel delivery, and more.

What determines your car insurance cost in Germantown

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Germantown, you could be paying as much as $55 more per month than an adult driver. These are average rates for Jerry customers in Germantown broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$3,636$144
21-24$3,411$1,040
25-34$3,127$1,111
35-44$2,678$501
45-54$1,756$515
55-64$1,800$768
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Germantown with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,774$836
Careless Driving$4,800$1,172
Speeding under 15$4,080$1,084
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Where in Germantown you live

It may seem like insurance rates in Germantown should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Germantown, residents of 20876 will have the most expensive car insurance rates, while people who live in 20874 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Germantown:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
March 15, 202120874Kia Sorento LXMD55Allstate$150/mo.$83/mo.
September 1, 202120874Honda Accord LXMD28Bristol West$215/mo.$88/mo.
September 11, 202120876Hyundai Santa FE GLSMD25Progressive$125/mo.$97/mo.
September 29, 202120874Nissan Maxima SEMD34ClearCover$144/mo.$101/mo.
May 21, 202120876Acura 3.2TlMD37State Auto$274/mo.$244/mo.
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Why is car insurance in Germantown so expensive?

A variety of considerations determine baseline car insurance rates in Germantown. Insurance companies often consider the following:
We get it: you’re a safe driver, you pay your bill on time, and yet your premium still feels high. Here are a couple factors that make car insurance in Germantown more expensive.

Heavy traffic

Germantown’s proximity to Washington, D.C. makes it an attractive place to live—and a frustrating (and expensive) place to drive. Heavy traffic in and out of the capital raises the potential for accidents, and insurance companies take that risk into account when calculating premiums.

Long commute times

A significant percentage of Germantown drivers commute 60 minutes or more to work. Those long commute times mean your car is on the road with tired and frustrated drivers, which raises risk for insurance companies.

High tornado risk

Germantown’s historical tornado activity is slightly above the national average. Damage caused by tornadoes leads to more insurance claims, so your insurance carrier may be taking that added risk into account when setting your rate.

How can you save money on car insurance in Germantown?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Most car insurance companies offer a range of discounts based on demographics, driving history, payment behavior, policy type, and more. Check out the table below for hints on car insurance discounts you should look for in Germantown.
DiscountDescription
Good studentIf you’re under the age of 25 and have at least a B average in school, you may be eligible for a discount on your insurance.
BundlingPaying for both car and home (or renter’s) insurance? Bundle your policies, and you can save on both.
Responsible payerIf you pay your insurance bill on time for 12 months, you may be eligible for savings on your rate.
Driving habitsSome companies offer a telematics program which allows you to get discounts based on safe driving behaviors recorded by a telematics device.
Driving trainingTake a driver training course or a defensive driving refresher, and you could be eligible for a discount on your insurance.
Accident freeInsurance companies often give discounts to drivers who have been accident free from 3 to 5 years.
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