The cost of car insurance in Maryland varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Geico offers the cheapest rates at $1,262 a year for full coverage.
This guide makes buying car insurance in Maryland easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to learn how auto insurance in Maryland works and how much insurance you need.
- Geico provides the most affordable annual rates for full coverage car insurance in Maryland, costing $1,262 per year.
- In Maryland, insurance costs are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- Minimum liability coverage in Maryland costs around $727 annually for limits of 30/60/15, while liability-only coverage costs $756 per year for limits of 50/100/50.
- In Maryland, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 30%, a DUI raising rates by 60%, and an at-fault accident by up to 56%.
How much is car insurance in Maryland?
In Maryland, drivers pay an average of $145 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
Average cost of auto insurance in Maryland by coverage level
In Maryland, the cost of car insurance can vary depending on how much coverage you purchase. Maryland drivers need at least the minimum insurance coverage limits of 30/60/15 to legally drive.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Maryland, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Maryland for different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $61 | $727 |
| Liability Only – 50/100/50 BI/PD | $63 | $756 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $145 | $1,746 |
State minimum car insurance in Maryland
In Maryland, minimum car insurance requirements include $30,000 of bodily injury liability per person, $60,000 of bodily injury liability per accident and $15,000 of property damage liability.
In Maryland, you can get state minimum car insurance for $727 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Maryland must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Maryland
The average cost of liability-only insurance in Maryland is $756 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Maryland
On average, premiums for full coverage car insurance in Maryland cost $1,746 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Maryland
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, residents in higher-risk neighborhoods in Maryland pay more for premiums than those in lower-risk areas.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Maryland car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Maryland by car model
In Maryland, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle make and model in Maryland.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Maryland
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Maryland, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,703 annually.
Car insurance for drivers aged 16-19 costs $3,656 more annually than Maryland drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,359 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,846 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,703 per year in Maryland.
- For senior drivers: Drivers age 65 and older can expect to pay $1,803 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Maryland
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Maryland can increase your premiums by up to 60% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Maryland, you’ll likely see an increase in your car insurance premium by up to 30% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 30% increase
- DUI conviction: 60% increase
- At-fault accident (bodily injury and property damage): 56% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Maryland for high-risk drivers
In Maryland, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,743 |
| Geico | $1,909 |
| Travelers | $2,309 |
| Erie Insurance | $2,378 |
| Nationwide | $2,394 |
| State Farm | $2,634 |
| Progressive | $2,788 |
| Kemper | $3,363 |
| Allstate | $5,035 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Maryland
In Maryland, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Maryland by getting quotes from different insurance companies.
Below are the details of Maryland car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Geico | $428 | $465 | $1,262 |
| Nationwide | $724 | $715 | $1,363 |
| Travelers | $647 | $715 | $1,523 |
| Kemper Insurance | $707 | $779 | $1,603 |
| Erie Insurance | $600 | $660 | $1,685 |
| Progressive | $812 | $875 | $1,895 |
| Penn National Insurance | $1,021 | $827 | $1,911 |
| State Farm | $744 | $839 | $2,177 |
| Allstate | $1,255 | $1,299 | $3,108 |
| USAA | $362 | $418 | $1,043 |
Car insurance rates by city in Maryland
Gwynn Oak is the most expensive city in Maryland, with an average car insurance rate of $2,447 a year. Maugansville is the cheapest city for Maryland drivers at an average rate of $1,428 annually.
Car insurance premiums differ across cities in Maryland and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Maryland’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,089 |
| Nationwide | $1,260 |
| Geico | $1,307 |
| Travelers | $1,416 |
| Kemper | $1,488 |
| Erie Insurance | $1,590 |
| Penn National Insurance | $1,839 |
| Progressive | $1,989 |
| State Farm | $2,338 |
| Allstate | $3,375 |
How much does car insurance cost in Maryland per month?
The average cost of a full-coverage car insurance policy in Maryland costs $145 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $61 |
| Liability Only – 50/100/50 BI/PD | $63 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $145 |
Final thoughts on choosing car insurance in Maryland
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Maryland.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Maryland. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 30/60/15.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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