Best Auto Insurance Rates in Chevy Chase, Maryland

On average your neighbors pay $84 a month.

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Though Chevy Chase, Maryland, is a small-ish town with just under 10,000 residents, it is huge on preserving its rich history. For starters, its name comes from the historical tract of land called "Cheivy Chace," meaning border raid, which was patented to Colonel Joseph Belt from Lord Baltimore on July 10, 1725.

The name is fitting considering the town sits right on the border of Maryland and Washington, D.C. One thing Chevy Chase residents shouldn’t be on the border—or fence—about is having cheap car insurance.

Average Chevy Chase Car Insurance Rates

How is car insurance in Chevy Chase, MD? Residents shouldn't be surprised if they pay more for car insurance in Chevy Chase than people in other parts of the US. That’s due to local weather conditions as well as their town’s proximity to Washington, D.C. On average, though, auto insurance in Maryland costs $1,016.81 per year. The national average price is $889.01.

You may pay less, though, as prices vary depending on your limits, coverage, driving record, and the number of claims filed in your zip code.

Maryland Average Annual Car Insurance Rates
Coverage Rates
Liability $609.74
Collision $353.99
Comprehensive $152.72
Total Cost Per Year $1,016.81
Price Per Month $84.73
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Maryland rates from 2011 to 2015, the most recent year the data is available. According to the III, Maryland car insurance rates increased from $956 in 2011 to $1,016 in 2015, a jump of $60 dollars, or 6.35 percent.

Maryland average car insurance rates

QuoteWizard helps consumers compare quotes from both national companies and local agents so you get cheap car insurance rates near Chevy Chase, Maryland. In fact, people who use QuoteWizard to shop around save up to 40% on their premiums.

Last year, many people used QuoteWizard to compare auto insurance quotes in Chevy Chase, MD from multiple companies  to lower their rates.

Best Car Insurance Companies in Chevy Chase, MD

This is our list of the most common car insurance companies reported by QuoteWizard users living in Chevy Chase, Maryland last year.

Top 10 Vehicles in Chevy Chase

These are the most common car makes and models owned by Chevy Chase, MD drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX
  2. Chevrolet Equinox
  3. Honda CR-V LX
  4. Toyota RAV4 LE
  5. Toyota Camry LE/XLE/SE
  6. Hyundai Elantra SE
  7. Ford Escape HEV
  8. Ford Fusion SE Hybrid
  9. Infiniti FX35
  10. Chrysler 200 Touring
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Legal Minimum Insurance Requirements in Chevy Chase, MD

Chevy Chase, Maryland, has a minimum liability coverage requirement known as the 30/60/15 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $30,000.
    The total amount your insurance carrier will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $60,000.
    The most your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $15,000.
    The maximum your insurance company will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence your insurance rates.

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Like most Mid-Atlantic cities, Chevy Chase, Maryland, has a warm and humid climate. This means residents there experience hot summers and no dry season. Though Chevy Chase residents usually enjoy around 200 days a year of either partial or full sunshine, they also tend to endure a lot of wet weather. On average, they see around 115 days annually with measurable precipitation, whether it be snow or rain. In a typical year, the area receives 44 inches of rain and 21 inches of snow. Both forms of weather can cause dangerous driving situations, so be prepared for it if you call Chevy Chase home.

Road Conditions

Many of Maryland’s roads are in poor condition. According to a recent study by TRIP, a non-profit national transportation research group, 24 percent of the state’s major roads are in either poor or mediocre condition. That’s a sore spot for both Chevy Chase residents and the insurance companies serving them. Thankfully, conditions are improving.

Traffic Congestion

Chevy Chase may be small, but many residents regularly commute to Washington, D.C., just five miles away, for work and leisure.

According to TomTom's annual traffic index report, Washington, D.C., ranks eighth for worst traffic congestion in the US. To the average commuter, this means spending an additional 31 minutes per hour stuck in traffic during rush hour commutes and 117 hours a year for peak hour commutes of 30 minutes.

Moving Violations

Moving violations including speeding tickets, accidents, and drunk driving can add points to your driver's license and give you a bad driving record. If this happens, your insurer will label you a bad driver and force you to purchase high-risk auto insurance.

Traffic Tickets

The District Court of Maryland traffic website allows residents to pay traffic tickets and tells them how to contest tickets.

The Montgomery County Police Department made 130,342 traffic stops in 2015, resulting in 235,310 warnings and citations.

DUI Arrests

The 2nd District of the Montgomery County PD reported 515 DUI incidents in 2015. That’s a 5.5 percent decrease from the 549 DUI incidents reported in 2014.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Chevy Chase DUI insurance.

Vehicle Theft Rates

The 2nd District of the Montgomery County PD also reported 145 auto thefts in 2015. That’s 35.5 percent more than in 2014, when there were 107 auto thefts. Vehicle thefts in your city can have a major impact on what you pay for insurance.

Traffic Fatalities

The Montgomery Country PD reported 38 fatal collisions that resulted in 39 deaths in 2015. This represents an increase of 15 percent from the 33 fatal collisions in 2014.

Car Insurance Discounts in Chevy Chase

If you want to find affordable car insurance, discounts are one of the best ways to lower your rates. Below are only some of the car insurance discounts available to drivers in Chevy Chase, MD. Get a free quote to find out which discounts you may qualify for.

  1. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  2. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 20% of your total bill
  3. Maintain at least a B grade point average in school to qualify for the good student discount
  4. Safe driver. If you have a perfect driving record with no tickets or accidents you may qualify for the safe driver or accident-free discount
  5. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  6. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount

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