Cheap Car Insurance in Silver Spring, Maryland
Located in southeastern Maryland, Silver Spring is a quaint town well known for its excellent quality of life. It is a thriving arts and culture hub, home to many live performance theaters and the regionally acclaimed Acorn Park with magnificent grottos and shade trees. We are also big fans of Silver Springs State Park, Ray Wayside Park, and the Juniper Springs Recreation Area.
All Silver Spring drivers are required to carry auto insurance. For more information on car insurance in Maryland, including average monthly premiums and penalties for driving without insurance in the region, keep reading below.
Quick Facts
- Silver Spring is less than an hour’s drive from Washington, D.C.
- Silver Spring was founded by Francis Preston Blair in 1840
- In 2019, there was one fatal accident in Silver Spring
- Six Tarzan movies had scenes filmed in Silver Spring
How Much Does Car Insurance Cost in Silver Spring, Maryland?
Silver Spring drivers pay a monthly average rate of $173 for full coverage car insurance. That higher than the national average of $147 and just slightly higher than the overall average for Maryland, $161.
Silver Spring motorists who choose to pay the state-required minimum liability will average $88 per month. That’s quite a bit higher than the national average of $47 and somewhat higher than the state’s average of $70.
Some reasons why car insurance in Maryland is so expensive is the highway density (highest in the country), a higher than average uninsured motorist count (#16 in the country) and higher vehicle theft rates.
Getting a Free Auto Insurance quote with Freeway is easy!
Low-Cost Car Insurance Rates Comparison by Cities
For an average monthly premium comparison of other cities in Maryland, check out our breakdown below.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Silver Spring | $173 | $88 |
| Annapolis | $150 | $72 |
| Baltimore | $276 | $143 |
| Gaithersburg | $158 | $80 |
| Hagerstown | $123 | $56 |
Affordable Car Insurance Rates by Zip Code in Silver Spring, MD
Generally, the denser the city and the higher number of claims within a region, the higher premiums they pay. For this reason, don’t be surprised if residents of a neighboring zip code pay an average monthly premium of 40% less than residents in your zip code.
For the average monthly premium paid by Silver Spring residents, sorted by zip code, check out our breakdown below.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 20815 | $137 | $68 |
| 20901 | $173 | $88 |
| 20902 | $172 | $87 |
| 20903 | $188 | $94 |
| 20907 | $172 | $87 |
| 20910 | $153 | $78 |
| 20911 | $172 | $87 |
| 20912 | $177 | $89 |
| 20918 | $172 | $87 |
Low-Cost Car Insurance Rates by Age in Silver Spring, MD
Expect younger populations to pay significantly higher premiums than older demographics, thanks to a lack of driving history and more claims collectively.
For the average monthly premium paid by Silver Spring residents, sorted by age, check out our breakdown below.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $604 | $294 |
| 20s | $257 | $125 |
| 30s | $173 | $88 |
| 40s | $168 | $86 |
| 50s | $159 | $83 |
| 60s | $184 | $98 |
| 70s | $193 | $103 |
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Maryland. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
Driving Conditions in Silver Spring, Maryland
How Many Fatal Accidents Happen in Silver Spring?
In 2019, there was one fatal accident in Silver Spring involving four people and one pedestrian.
How Are the Road Infrastructure and Bridges in Silver Spring, Maryland?
The city of Silver Spring has a Department of Public Works and Transportation that works to address all issues related to roads and infrastructure, such as pothole repair, sediment control, sidewalk repair, and maintaining or replacing all road signs.
Minimum Car Insurance Requirements in Silver Spring, MD
All Silver Spring residents must carry a 30/60/15 liability policy:
- $30,000 for bodily injury per person
- $60,000 for bodily injury for two or more people
- $15,000 for property damage
- $30,000 for bodily injury per person uninsured motorist coverage
- $60,000 for bodily injury for two or more people uninsured motorist coverage
- $15,000 for property damage uninsured motorist coverage
All must meet the minimum coverage amounts to protect third parties. Drivers have the option of purchasing more expensive full coverage with comprehensive and collision, which includes first-party protections (covering the costs of injuries or damage you or your passengers sustain in an accident)
Getting a Free Auto Insurance quote with Freeway is easy!
What Are the Penalties for Driving Without Insurance in Silver Spring, Maryland?
Do not expect an easy time if you are caught driving without insurance in Silver Spring.
- First-time offenders will face a $1,000 fine, including $150 in administrative fees for the first 30 days and $7 for each additional day without proof of insurance. You may also see 5 points deducted from your license and up to 1 year in jail. In addition, Maryland’s Motor Vehicle Administration (MVA) may also require you to participate in a Driver Improvement Program.
- Second and subsequent offenders will see stiffer penalties, including a $2,000 fine (plus a $150 administrative fee for the first 30 days and $7 for each additional day), along with imprisonment for up to two years.
Regrettably, you should also expect to see your premiums increase, as you are now a riskier driver to insure in the eyes of the insurance company.
Car Insurance Factors Allowed in Silver Spring, Maryland
The main factors driving auto insurance rates are your age, gender, and driving history.
Other factors include but are not limited to:
- Marital status
- Education
- Occupation
- Make and model of vehicle
- Deductible
- Liability limits
Discounts for Car Insurance in Silver Spring, Maryland
There are many discounts available to Silver Spring residents, including but not limited to the following:
Want to stay on top of all the latest discounts you may qualify for? We recommend calling your insurance provider every couple of months (or as your life circumstances change) to see if you are eligible for any new discounts. Even small changes in your life could see rewards, such as switching to an older make/model vehicle or enrolling in a university.
Get an Online Quote for Low-Cost Car Insurance in Silver Spring, MD
If you drive in Silver Spring, you must have minimum liability limits to protect third parties in the event of an accident.
Let Freeway Insurance help you find an affordable auto insurance policy with the necessary coverages. To learn more about what we offer, call 800-777-5620, visit a Silver Springs location near you, or request a car insurance quote online. Contact us today and save!