Cheap Quotes for Sandy Spring, MD Car Insurance (2021)

Sandy Spring, Maryland car insurance rates average $409 a month and Maryland law requires coverage of at least 30/60/15. By comparing rates from multiple Sandy Spring, MD companies, you can find cheap Sandy Spring car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Sandy Spring, MD are $409/month
  • Sandy Spring has an average commute time of 37.0 minutes
  • The cheapest car insurance company in Sandy Spring is USAA

How do the Sandy Spring, Maryland monthly average car insurance rates of $409/month compare to nearby cities like Gaithersburg car insurance rates, Annapolis car insurance rates, and Greenbelt car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Sandy Spring, MD.

We’ll cover the Maryland minimum coverage requirements, Maryland car insurance laws, and Sandy Spring, MD statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Sandy Spring, Maryland companies to find the most affordable Sandy Spring car insurance rates.

Enter your ZIP code above to find cheap Sandy Spring, MD car insurance quotes today.

What are the minimum Sandy Spring, MD car insurance requirements?

To meet Maryland minimum car insurance coverage requirements, Sandy Spring, MD drivers need to carry at least 30/60/15 coverage.

Minimum Required Car Insurance Coverage in Sandy 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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How do age, gender, and marital status affect Sandy Spring, MD car insurance rates?

Three of the criteria that most affect car insurance rates in Sandy Spring, Maryland are age, gender, and marital status. Let’s take a look at how each of these stack up with top Sandy Spring car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Sandy 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 $3,911 $3,740 $3,742 $3,843 $11,792 $13,892 $3,504 $3,537
GEICO $2,318 $2,542 $2,645 $3,066 $7,142 $8,148 $1,992 $2,099
Liberty Mutual $6,982 $6,982 $6,904 $6,904 $13,450 $19,882 $6,982 $9,366
Nationwide $2,113 $2,118 $1,912 $1,965 $5,040 $6,591 $2,453 $2,641
Progressive $2,890 $2,597 $2,514 $2,568 $10,444 $11,393 $3,369 $3,278
State Farm $2,506 $2,506 $2,313 $2,313 $7,570 $9,677 $2,803 $3,152
USAA $2,048 $2,008 $1,910 $1,901 $4,589 $5,422 $2,354 $2,621

How much do teen drivers pay for car insurance in Sandy Spring, MD?

Sandy Spring, Maryland car insurance rates for teens are often higher than rates for other drivers. Compare Sandy Spring car insurance rates from multiple Sandy Spring, Maryland car insurance companies to get the best deal.

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,792 $13,892
GEICO $7,142 $8,148
Liberty Mutual $13,450 $19,882
Nationwide $5,040 $6,591
Progressive $10,444 $11,393
State Farm $7,570 $9,677
USAA $4,589 $5,422

How much do senior drivers pay for car insurance in Sandy Spring, MD?

With a little research, seniors can find affordable car insurance in Sandy Spring, Maryland. Here’s a look at how the top Sandy Spring car insurance companies stack up.

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,742 $3,843
GEICO $2,645 $3,066
Liberty Mutual $6,904 $6,904
Nationwide $1,912 $1,965
Progressive $2,514 $2,568
State Farm $2,313 $2,313
USAA $1,910 $1,901

How does coverage level affect Sandy Spring, MD car insurance rates?

How much coverage do you need? Are you comfortable with the Maryland minimum of 30/60/15 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Sandy Spring, MD car insurance rates will be. Let’s take a look.

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

Insurance Company Low Medium High
Allstate $5,837 $5,958 $6,190
GEICO $3,618 $3,725 $3,890
Liberty Mutual $9,387 $9,657 $10,000
Nationwide $2,980 $3,112 $3,221
Progressive $4,663 $4,885 $5,096
State Farm $3,875 $4,116 $4,323
USAA $2,720 $2,866 $2,984

How does your driving record affect Sandy Spring, MD car insurance rates?

Safe driving pays off. The more traffic violations you have in Sandy Spring, MD, the higher your car insurance rates will be. Compare rates based on driving infractions from top Sandy Spring, Maryland companies.

Annual Sandy Spring, Maryland Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,289 $7,085 $5,289 $6,316
GEICO $2,645 $4,136 $5,067 $3,129
Liberty Mutual $6,922 $9,143 $13,870 $8,792
Nationwide $2,731 $3,667 $2,922 $3,096
Progressive $4,158 $5,532 $5,045 $4,791
State Farm $3,676 $4,629 $4,057 $4,057
USAA $2,244 $2,758 $4,009 $2,415

How does a DUI affect Sandy Spring, MD car insurance rates?

With even one DUI on your record, you can see an increase in your Sandy Spring, MD car insurance rates.

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,289
GEICO $5,067
Liberty Mutual $13,870
Nationwide $2,922
Progressive $5,045
State Farm $4,057
USAA $4,009

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How does your credit history affect Sandy Spring, MD car insurance rates?

Take a look at the data here to see how your Sandy Spring, Maryland car insurance rates are affected by your credit history.

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

Insurance Company Poor Fair Good
Allstate $7,781 $5,417 $4,787
GEICO $4,244 $3,516 $3,473
Liberty Mutual $13,832 $8,919 $6,294
Nationwide $3,973 $2,806 $2,534
Progressive $6,141 $4,625 $3,879
State Farm $6,001 $3,564 $2,750
USAA $3,803 $2,612 $2,154

How does your commute affect Sandy Spring, MD car insurance rates?

Sandy Spring, MD car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Maryland can be seen here. Remember, though, that you may have to carry substantially more car insurance in Sandy Spring if you’re financing.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,909 $6,081
GEICO $3,683 $3,805
Liberty Mutual $9,426 $9,937
Nationwide $3,104 $3,104
Progressive $4,881 $4,881
State Farm $3,996 $4,213
USAA $2,770 $2,943

Who has the cheapest Sandy Spring, MD car insurance rates?

Here’s a breakdown of Sandy Spring, Maryland car insurance rates by company. You can see which company offers the cheapest Sandy Spring car insurance rates in each category.

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

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

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What are the top Sandy Spring, MD car insurance companies?

Which Sandy Spring, Maryland car insurance company will best fit your needs and budget? Check out this comparison of the top Sandy Spring companies to find the one for you.

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

Insurance Company Average Annual Rates
Allstate $5,995
GEICO $3,744
Liberty Mutual $9,682
Nationwide $3,104
Progressive $4,881
State Farm $4,105
USAA $2,856

What factors affect Sandy Spring, MD car insurance rates?

Why are Sandy Spring, Maryland car insurance rates different than rates in Gaithersburg or Annapolis? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Sandy Spring, MD?

More time spent behind the wheel can lead to higher Sandy Spring, Maryland car insurance rates. In Sandy Spring, MD, the average commute length is 37.0 minutes.

Car Insurance Quotes for Sandy Spring, MD

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