We shop the nation's top carriers so you don't have to —
finding you the best coverage at the lowest possible cost
for personal and business insurance across MD, DC, and VA.
Whether you're protecting your family's home, vehicles, income, or your small business — we find the right coverage at the best rate across MD, DC, and VA.
Terrapin was founded in 2011 by University of Maryland graduate Mike Davis. Based in Rockville, MD and licensed across Maryland, Washington DC, and Virginia, Terrapin Insurance Group is a truly independent agency. That means we work for you — not the insurance company.
As longtime Montgomery County natives, we know the DMV and understand its unique insurance needs and how to best navigate this region's ever-changing rates — from commuters and condo owners in DC, to homeowners in the Maryland suburbs, to small businesses across Northern Virginia.
We aim to be your one-stop shop Insurance Advisors. You aren't just talking to a stranger in a call center taking orders, we're crafting your policies, we're managing your policies, and we're proactively reaching out to you advising you with suggestions as life changes.
Getting the right coverage is simple. We do the shopping so you don't have to.
Complete our quick multi-step quote form — it takes under 4 minutes and covers your auto, home, or both. No jargon, just clean questions that help us find the right match.
Our team securely runs your quotes across all our best carrier options to find the best combination of coverage and price — saving you from calling each one yourself.
We walk you through your top options, answer every question, and get your policy bound — fast. Then we stay on as your advocate for claims, changes, and renewals.
Need to make a change, file a claim, or ask a question? Use the form below and we'll get back to you promptly. You can also e-mail us directly service@terrapininsurance.com
We've got your message and will be in touch within one business day.
Questions? Call us at 240-243-0042
"Can't say enough good things about Terrapin Insurance Group, specifically Mike Davis. From day one, the group were easy to work with, answered all my questions, and made the whole homeowners insurance process painless."
"Mike Davis, my agent at Terrapin Insurance has provided my insurance needs — home, car, umbrella — for 15 years. He is professional, most knowledgeable about all insurance products and educates me about what I need."
"By far the best experience I've had with insurance. They went above and beyond answering my questions and informing me about important coverages I didn't even know were a thing. I can always rely on them — can't recommend enough!!"
"The Terrapin Insurance Group has been my preferred insurance agency for over a decade. I have experienced fantastic customer service focused on securing the most favorable rates and with clear explanation of policies. Highly recommend!"
Expert advice to help you make smarter insurance decisions across the DMV.
Understanding Maryland's minimum coverage requirements, uninsured motorist rules, and how to make sure you're properly protected on the road.
Read more →Many homeowners don't realize standard policies exclude flood damage entirely. Here's what Montgomery County residents need to know.
Read more →How independent agents shop multiple carriers to find you the best coverage at the lowest rate — and why it matters for your wallet.
Read more →Get a free quote in under 4 minutes. We serve clients across Maryland, Washington DC, and Virginia.
A dedicated team with over 15+ years of experience in Maryland, Washington DC, and Virginia.
