Silver Spring Auto Insurance Rates, Quotes, Agents & Reviews in MD

Silver Spring, MD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Silver Spring, MD, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Save More on Auto Insurance With a Healthy Credit Score in Silver Spring, MD

The average cost of auto insurance in Silver Spring, MD, is $1,472. Car owners in Silver Spring can improve savings by comparing multiple quotes and reviews from various auto insurance companies. Below is a list of discounts available to drivers in Silver Spring.


Multi-Car Insurance:

Car insurance companies provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. The cost of insuring two vehicles under a multi-car insurance policy in Silver Spring is $2,532, while the cost of insuring four vehicles under this policy is $5,064. Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts. 

Anti-Theft Discounts:

Car insurers across Maryland offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms. 

Equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling device helps save the most on auto insurance in Silver Spring.

Discounts for Students:

Teenagers in Silver Spring pay $4,776 a year on car insurance. Though they bear the brunt of being inexperienced drivers, insurance companies offer discounts to teenage students with good grades in school. For instance, Allstate offers stellar discounts to smart students based on their grades and proximity to the school (100 miles). Alongside these requirements, the teenage driver must be under the age of 25 and must also complete Allstate’s “teenSMART Driver Education Program.” State Farm’s “Good Student” program offers discounts of up to 25% to teenage students who have good grades. Farmers offers similar discounts to students (with good grades) under the age of 25 as well.

Factors that can influence the cost of car insurance in Silver Spring, MD are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Silver Spring, MD Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Silver Spring, MD with that of other cities in and around Silver Spring.

Silver Spring Takoma Park Kemp Mill Forest Glen Four Corners South Kensington
Average Insurance Rates $1,472 $1,503 $1,441 $1,448 $1,458 $1,585

Silver Spring, MD Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Silver Spring, MD based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Silver Spring $1,622 $1,370
Four Corners $1,906 $1,610
Forest Glen $1,891 $1,597
Takoma Park $1,964 $1,659
Langley Park $1,775 $1,499
South Kensington $1,156 $976
Kemp Mill $1,541 $1,302
North Chevy Chase $1,122 $947

Silver Spring, MD Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Silver Spring, MD usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,776
20 Years $1,891
30 Years $1,457
40 Years $1,402
50 Years $1,298
60 Years $1,316
70 Years $1,532

Silver Spring, MD Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Silver Spring, MD can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,532 $412
3 Vehicles $3,798 $618
4 Vehicles $5,064 $824

Savings on 2 Vehicles bundle:$412

Savings on 3 Vehicles bundle:$618

Savings on 4 Vehicles bundle:$824

Silver Spring, MD Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Silver Spring, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Silver Spring $1,472 $2,347
Four Corners $1,458 $2,325
Forest Glen $1,448 $2,309
Takoma Park $1,503 $2,396
Langley Park $1,360 $2,168
South Kensington $1,585 $2,527
Kemp Mill $1,441 $2,297
North Chevy Chase $1,644 $2,621

Silver Spring, MD Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,263
Excellent (740-799) $1,442
Good (670-739) $1,534
Average (580-669) $2,001
Poor (300-579) $2,401

Silver Spring, MD Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
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Marisa Alonso Allstate 1717 Elton Rd Ste 207, Silver Spring, 20903 (301) 431-1501
Brock Insurance Services Inc. Erie 6412 Bells Mill Road, Bethesda, 20817 None
Bethesda General Insurance Erie 13975 CONNECTICUT AVE STE 205, SILVER SPRING, 20906 301-654-7203
Herb Krusen Insurance Group Inc Nationwide 1057 Rockville Pike, Rockville, 20852-1403 (301) 545-0733
Rich Tusing State Farm 9418 Annapolis Rd Ste 105, Lanham, 20706-3049 301-429-3600
American Life Brokerage, Llc None 11417 Orleans Way , Kensington, 20895 None
Rick Stein Insurance Agency Erie 5640 Nicholson Lane Suite 225, Rockville, 20852 None
The Insurance Store Llc Erie 622 Hungerford Drive Suite 1, Rockville, 20850 None
Becerra Insurance Agency Inc Travelers 1354 HOLTON LANE, TAKOMA PARK, 20912 240-247-0023
Charles R. Grant Insurance Agency, Inc. None 620 Hungerford Drive, Suite 33, Rockville, 20850 None

Silver Spring, MD Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$65 $1,537
Driver's Failure In Showing Documents +$143 $1,615
Driving With An Expired Registration +$152 $1,624
Driving At A Considerably Slow Pace +$319 $1,791
Using A Cellphone While Driving +$337 $1,809
Running A Red Light +$343 $1,815
Speeding +$361 $1,833
Driving A Vehicle Without The Required Permission +$458 $1,930
Driving With An Expired/Suspended License +$992 $2,464

Silver Spring, MD Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,413
Active Disabling Device $1,413
Tracking Device $1,384
Passive Disabling Device $1,369

Latest Auto Insurance Reviews in Silver Spring, MD | Back to Top

My experience with USAA car insurance has also been excellent. The biggest issue has been getting my son on my insurance. They gave him a good student discount and only charge me.
There is a myriad of policy offerings, but USAA never tries to up-sell anything. The experience of adding vehicles and removing vehicles is very simple.
State Farm
I think they are as good as any other. The reputation probably makes them more desirable. I would recommend them to an experienced driver but not a beginner.
State Farm
They do a great job answering all of my questions and thankfully I have not had to use them for an accident yet. They do offer discounts for good driving as well. I love it.
I have been customer with Geico for 10 years. Never had any issues and payment for the premium is reasonable.
I feel that Metlife offers you a wide range of options that are comparable to the market. They are willing to discuss options with you so that you can choose the best options for your insurance needs.
I would definitely recommend Geico because it has a friendly staff, reasonable premium, and are very quick and professional in handline any claims.
State Farm
because it offers everything I need with my car. No more and no less.
Nationwide offers road side assistance at no additional cost, which most companies charge for this service. The deductibles are lower than most other companies I have checked.