Cheapest Car Insurance Quotes in Fort Washington

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Fort Washington Car Insurance

^$ 62

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Fort Washington

The car insurance rate in Fort Washington is $1250 for a six-month policy, which is $234 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $914, making it a popular choice for budget-conscious drivers. Rates in Fort Washington can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Fort Washington

$1250

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Fort Washington

1st place: Kemper

At $914 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $986 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $1009 for six months, making it the third cheapest auto insurance company in Fort Washington.

Fort Washington Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fort Washington, MD is Kemper, offering policies at just $914 for a six-month term. This is followed by USAA, which has an average six-month premium of $986.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2338 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Washington drivers find the best deals.

Cheap Car Insurance Companies in Fort Washington, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$914	$155
USAA	$986	$166
State Farm	$1009	$170
Travelers	$1009	$170
Nationwide	$1169	$197
Erie	$1205	$203
Progressive	$1374	$231
Allstate	$2338	$394

Key Takeaways

Way's key takeaways about car insurance in Fort Washington

The auto insurance costs in Fort Washington fall around $914 for six months.
The cheapest auto insurance company in Fort Washington is USAA.
Teen drivers pay the highest rate in Fort Washington at $1642 per month.

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Cheapest Minimum Liability Car Insurance in Fort Washington

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Fort Washington are given below.

USAA provides the cheapest minimum car insurance coverage in Fort Washington. Their Average 6 Month Premium is $365. Allstate is the most expensive at $1279 for the same period.

Cheapest Liability Coverage in Fort Washington, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$365	$62
Travelers	$504	$85
State Farm	$512	$86
Kemper	$519	$86
Erie	$541	$91
Progressive	$636	$107
Nationwide	$658	$111
Allstate	$1279	$215

Cheapest Full Coverage Car Insurance in Fort Washington

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Fort Washington is Kemper at $155 per month and $914 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Washington, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$914	$155
USAA	$986	$166
State Farm	$1009	$170
Travelers	$1009	$170
Nationwide	$1169	$197
Erie	$1205	$203
Progressive	$1374	$231
Allstate	$2338	$394

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Average Car Insurance in Fort Washington by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Fort Washington, MD increasing?

Despite maintaining a clean driving record, your car insurance rates in Fort Washington, Maryland, may be increasing due to several external factors. Maryland has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Fort Washington's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Fort Washington

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$843
30s	Travelers	$718
40s	Travelers	$654
50s	Travelers	$619
60s	Travelers	$694
70s	USAA	$733

Cheapest Car Insurance Rates for Teen Drivers in Fort Washington,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Fort Washington at $93 per month. At $9754 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$549	$93
Erie	$1424	$240
Travelers	$1665	$280
USAA	$1782	$300
State Farm	$2418	$407
Progressive	$3076	$518
Nationwide	$4617	$777
Allstate	$9754	$1642

Teen Car Insurance Rates in MD by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Fort Washington.

As young drivers face the highest rates in Fort Washington, Travelers offers the cheapest auto insurance rates at $843 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Fort Washington, USAA is the cheapest car insurance provider. At $1155 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Fort Washington is State Farm, offering rates of around $4369 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1155	$192
Progressive	$1191	$200
Nationwide	$1513	$255
Travelers	$2133	$363
Erie	$2506	$418
Allstate	$3412	$581
State Farm	$4369	$728

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Car Insurance Rates with An Accident in Fort Washington

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Fort Washington, MD, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Washington

The cheapest car insurance companies after an at-fault accident in Fort Washington include Erie and USAA, offering $907 and $1031, respectively. Encompass is an expensive provider with an average six-month premium of $811.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$907	$153
USAA	$1031	$173
Travelers	$1044	$176
State Farm	$1125	$189
Progressive	$1367	$230
Nationwide	$1899	$320
Allstate	$4267	$718
Encompass	$811	$135

Fort Washington Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Washington MD. For example, the car insurance in Fort Washington after a DUI increases to $1387 for a six month policy. While the rate increases by $321 for a six-month policy in the case of a speeding ticket.

Fort Washington auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1476	$246
One Med/PIP claim	$1526	$260
Not-at-fault accident	$1585	$264
One comp claim	$1593	$271
Two Med/PIP claims	$1622	$271
Failure to wear a seat belt	$1673	$284
Failure to show documents	$1717	$287
Child safety restraint	$1732	$294
Two comp claims	$1732	$289
Driving with expired registration	$1775	$301
Cell phone violation	$1797	$300
Driving too slowly	$1797	$305
Failure to stop at a red light	$1797	$300
Failure to yield	$1797	$305
Following too closely	$1797	$300
Illegal turn	$1797	$305
Improper passing	$1797	$300
Speeding 11 - 15 MPH over limit	$1797	$305
Speeding 16 - 20 MPH over limit	$1797	$300
Speeding 6 - 10 MPH over limit	$1797	$305
Texting while driving	$1797	$300
Wrong way/wrong lane	$1797	$305
Speeding in school zone	$1819	$304
At-fault accident - less than $1000	$1856	$316
Passing school bus	$1863	$310
Driving without lights	$1871	$319
Open container	$1878	$312
Operating a vehicle without permission	$1899	$323
Speeding 21 - 25 MPH over limit	$1966	$327
In 65 MPH zone	$2148	$365
At-fault accident - $1000-$2000	$2214	$369
At-fault accident - greater than $2000	$2214	$376
Reckless driving	$2528	$422
Racing	$2718	$462
Driving with a suspended license	$2761	$460
Refusal to submit to a chemical test	$2850	$485
DUI	$2863	$477
Leaving scene of an accident/hit and run	$2886	$491

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Fort Washington after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Fort Washington.

The cheapest car insurance premiums in Fort Washington are offered by Erie at $775 for a six-month policy. However, it can be as expensive as $3186 with companies like Nationwide.

Fort Washington car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$775	$130
Travelers	$1133	$191
Progressive	$1476	$248
USAA	$1702	$287
State Farm	$2214	$373
Allstate	$2440	$411
Nationwide	$3186	$536

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Fort Washington are offered by State Farm at $694. However, it can be as expensive as $2982 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fort Washington after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$694	$117
USAA	$790	$134
Erie	$920	$155
Progressive	$1066	$180
Travelers	$1461	$244
Nationwide	$2075	$353
Allstate	$2982	$497

Car Insurance Price Trends in Fort Washington, Maryland

Car insurance rates in Fort Washington have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Fort Washington rose by $262 in December compared to $261 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Fort Washington remained steady at $95 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Fort Washington?

The car insurance in Fort Washington is $62 per month, which is lower than the national average.

What is the cheapest car insurance in Fort Washington?

The cheapest car insurance in Fort Washington is $155 per month for full coverage.

How much is car insurance in Fort Washington for teenagers?

Car insurance for teenagers costs $549 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Fort Washington?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $210 per month to insure your car in Fort Washington.

Is car insurance expensive in Fort Washington?

Car insurance can be expensive in Fort Washington if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Fort Washington can be affordable.

Cheapest Car Insurance Quotes in Fort Washington

Why you can trust Way?

How Much Is Car Insurance in Fort Washington

Avg. Car Insurance in Fort Washington

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Fort Washington

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Fort Washington Car Insurance Rates by Company

Cheap Car Insurance Companies in Fort Washington, MD

Way's key takeaways about car insurance in Fort Washington

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fort Washington

Cheapest Liability Coverage in Fort Washington, MD

Cheapest Full Coverage Car Insurance in Fort Washington

Cheapest Full Coverage Car Insurance Quotes in Fort Washington, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fort Washington by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Fort Washington, MD increasing?

Car Insurance Premiums by Age in Fort Washington

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fort Washington,MD

If you are in your twenties Travelers is the best choice for car insurance in Fort Washington.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Fort Washington

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Washington

Fort Washington Car Insurance Rates by Violation

Fort Washington auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fort Washington after a DUI

Fort Washington car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fort Washington after Speeding ticket

Car Insurance Price Trends in Fort Washington, Maryland

Average Car Insurance Cost in Fort Washington by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fort Washington, MD

Car Insurance Rates by State in the USA (2025 Update)

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