Car insurance premiums start to climb for drivers at around age 65. According to the Centers for Disease Control and Prevention, older drivers have a higher rate of fatal crashes than those aged 35 to 54.
However, seniors in Maryland can still find affordable car insurance. Our guide provides tips on securing the cheapest rates for seniors in Maryland and helps save on auto insurance premiums.
- In Maryland, a 65-year-old driver can expect to pay an average of $1,762 annually for full coverage car insurance.
- In Maryland, a 70-year-old driver’s car insurance rates are 2% more for full coverage than for a 65-year-old driver.
- A 75-year-old driver in Maryland pays 5% more a full coverage policy than a 65-year-old driver.
- Reviewing and comparing car insurance quotes every six months or at renewal can help you find the most affordable rates.
Cheapest car insurance companies for seniors in Maryland
Below are the cheapest, full-coverage car insurance rates in Maryland for drivers at various ages:
- Cheapest for seniors, overall: Nationwide, $111 per month.
- Cheapest for seniors at age 65: Nationwide, $111 per month.
- Cheapest for seniors at age 70: Nationwide, $111 per month.
- Cheapest for seniors at age 75: Nationwide, $111 per month.
Compare cheap car insurance quotes for senior drivers in Maryland
State minimum car insurance refers to the least amount of coverage that a driver is legally required to have in a particular state. This typically includes liability insurance, which covers bodily injury and property damage to others if you are at fault in an accident. Each state sets its own minimum requirements for coverage limits.
Liability car insurance with limits of 50/100/50 means:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury per accident
- $50,000 per accident for property damage
A liability policy covers expenses for injuries and damages you cause to others in an accident, but not your own injuries or vehicle damage.
Full coverage insurance with limits of 100/300/100 includes higher liability limits:
- $100,000 per person for bodily injury
- $300,000 per accident for bodily injury to multiple people
- $100,000 per accident for property damage
Full coverage also typically includes:
- Collision coverage: Pays for damages to your car from a collision.
- Comprehensive coverage: Covers damages to your car from non-collision events (e.g., theft, fire, vandalism).
Full coverage ensures you are covered for a wide range of incidents, both for your liability to others and for your own vehicle’s damage.
Below, find the cheapest car insurance rates in Maryland from major insurers for three coverage levels: state minimum, liability-only with limits of 50/100/50 and full coverage with 100/300/100 limits.
Select your age and type of coverage below to see the average annual and monthly rates.
| Company Name | Avg. Annual Premium | Avg. Monthly Premium |
|---|---|---|
- Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage
Why do car insurance rates increase for senior drivers in Maryland?
As drivers age, car insurance typically becomes more expensive. This is largely because statistics reveal that seniors, on average, are more involved in accidents than younger drivers, excluding teenagers, according to the Insurance Institute for Highway Safety.
Although older drivers typically have many years of experience on the road, they often face age-related challenges such as hearing or vision loss, slower reflexes, medication side effects and other health issues that can complicate driving.
The CDC found that drivers older than 70 have higher crash death rates per 1,000 crashes than drivers aged 35-54 and NHTSA statistics show that senior drivers 65 and older were involved in 13% of fatal accidents in 2020, which is up 26% from 2011.
In addition, older drivers are more likely to need medical treatment even after a minor accident, and steep hospital expenses contribute to an overall increase in insurance rates.
“Unfortunately, as we move past middle age, the odds of being more severely injured or dying in a car crash increase significantly,” says Carole Walker, executive director at Rocky Mountain Insurance Association.
“Statistically, older drivers have a higher risk of causing a crash, but an even bigger factor adding to higher car insurance bills are common health problems that make them more prone to being hurt and incurring medical bills – even in low-speed or less serious crashes,” she says.
This leads to higher car insurance costs. CarInsurance.com’s data show that premiums rise for most senior drivers starting in their mid-60s and keep increasing. In Maryland, a full coverage policy costs an average of $1,762 for a 65-year-old driver, while a 70-year-old driver pays $1,801.
In Maryland, 70-year-old drivers pay 2% more for full coverage than 65-year-olds and 75-year-olds pay 5% more for a full coverage policy, based on CarInsurance.com data.
Find below the annual average rate increases for senior drivers in Maryland by age and different coverage limits.
| Age | State minimum | Liability only | Full coverage |
|---|---|---|---|
| 65 | $767 | $802 | $1,762 |
| 70 | $785 | $821 | $1,801 |
| 75 | $806 | $844 | $1,845 |
Coverage types:
- Full coverage: 100/300/100 liability with $500 comp/coll deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage only
Find out how much insurance costs for seniors
Cheapest car insurance for seniors with tickets in Maryland
A speeding ticket or other moving violation will increase your insurance premiums regardless of age. Insurers value statistics, and the data show that drivers who have tickets are more likely to be involved in accidents that might lead to claims.
The rate hike will differ between insurance companies, but Maryland drivers can expect a 39% increase in their premiums after receiving a speeding ticket for driving 1-29 mph over the limit.
If you are a senior with a speeding ticket or other minor moving violation on your record, expect to pay more for coverage. When we ran the numbers, these were the best insurance companies for seniors with tickets on their records.
| Company | Annual rates with 1 speeding ticket | Monthly rates with 1 speeding ticket |
|---|---|---|
| Geico | $1,702 | $142 |
| Nationwide | $1,940 | $162 |
| Erie Insurance | $2,034 | $170 |
| State Farm | $2,324 | $194 |
| Progressive | $2,447 | $204 |
| Travelers | $2,915 | $243 |
| Kemper | $2,922 | $244 |
| Allstate | $4,214 | $351 |
| USAA* | $1,216 | $101 |
Compare senior car insurance rates in neighboring states
Cheapest car insurance for seniors with DUIs in Maryland
A DUI is a serious offense and your insurance rates will skyrocket once it appears on your driving record. Typically, your insurance premium will double after a DUI. According to our data, in some states, the increase can be as high as 83% after your first DUI. If you get a second DUI, the insurance rates could increase by 122%.
After a DUI, finding affordable or any coverage can be difficult, but based on our data, these insurers are the best options for seniors with a DUI in Maryland:
| Company | Annual rates with DUI first offense | Monthly rates with DUI first offense |
|---|---|---|
| Geico | $1,678 | $140 |
| Erie Insurance | $2,034 | $170 |
| State Farm | $2,324 | $194 |
| Progressive | $2,736 | $228 |
| Travelers | $3,071 | $256 |
| Nationwide | $3,218 | $268 |
| Allstate | $4,057 | $338 |
| Kemper | $4,913 | $409 |
| USAA* | $2,717 | $226 |
Cheapest car insurance for seniors after an accident in Maryland
Just like a ticket or DUI, having an accident on your driving record will push up your insurance rates. The increase will vary by insurance company but according to our data, drivers should expect their premium to jump 64% with one at-fault accident with property damage over $2,000.
The increase will typically stay in place for three to five years, so it’s important to find the most affordable insurance company. Our data shows that the following insurers offer the cheapest car insurance for seniors after an accident in Maryland.
| Company | Annual rates with 1 at-fault accident | Monthly rates with 1 at-fault accident |
|---|---|---|
| Geico | $2,074 | $173 |
| Nationwide | $2,358 | $197 |
| Erie Insurance | $2,504 | $209 |
| State Farm | $2,631 | $219 |
| Travelers | $2,811 | $234 |
| Progressive | $3,060 | $255 |
| Kemper | $3,840 | $320 |
| Allstate | $5,109 | $426 |
| USAA* | $1,891 | $158 |
How can seniors save on car insurance in Maryland?
Auto insurance for seniors can be expensive, but there are ways to save. The following are easy ways to reduce your premiums:
- Shop around: Shopping regularly for car insurance – every six months or yearly around renewal time – can ensure you have the best price.
- Raise your deductible: Increasing your deductible from $500 to $1,000 can save you a bit of money every month – but make sure you have the necessary funds to cover the higher deductible.
- Ask about discounts: Discounts – bundling with homeowners insurance, loyalty discounts and discounts for years of being licensed – are a great way to save on your car insurance. More on discounts below.
Editor’s Tip:Take a senior driving course: With an approved defensive driving course, seniors can save up to 5% on their car insurance in Maryland. The American Automobile Association(AAA) and AARP offer defensive driving courses for senior drivers in Maryland.
Car insurance discounts for senior drivers in Maryland
Seniors can take advantage of these car insurance discounts to reduce their insurance costs.
| Discount type | Potential annual savings |
|---|---|
| Air bags | 1% |
| Anti-theft device | 1% |
| Daily commute | 5% |
| Days advanced purchase | 7% |
| Days per week driven | 5% |
| Defensive driver | 5% |
| Education | 7% |
| Electronic funds transfer | 4% |
| Electronic signature | 10% |
| Homeowner | 4% |
| Lower annual mileage | 5% |
| Loyalty – years renewal with company | 3% |
| Marital status | 6% |
| Multi policy | 8% |
| Paperless/electronic documents | 4% |
| Payment type | 8% |
| Primary use | 11% |
| Profession | 11% |
| Safety devices | 4% |
| Telematics | 10% |
| Years insured | 20% |
| Years licensed | 29% |
Choosing the cheapest and best car insurance for seniors in Maryland
Senior drivers generally pay higher premiums than younger adult drivers. If you want an affordable policy, carefully evaluate your needs and determine the coverage amount. When shopping for insurance, consider the price, customer service and available discounts.
Find the best auto insurance companies online to see which carrier provides affordable rates and easy-to-use websites or apps.
FAQ: Cheap car insurance for seniors in Maryland
Who has the cheapest state minimum auto insurance for seniors in Maryland?
According to our data, Geico offers the cheapest state minimum auto insurance for seniors in Maryland at about $493 a year, on average. Erie Insurance and Nationwide also scored high when it comes to cheap state minimum insurance coverage for seniors in Maryland.
Which companies offer the cheapest liability car insurance for seniors in Maryland?
Geico has the cheapest liability car insurance coverage for senior drivers in Maryland at an average annual premium of $536. Erie Insurance and Nationwide also offer cheap liability insurance rates to seniors in Maryland, based on CarInsurance.com data analysis.
Does State Farm offer a senior discount in Maryland?
State Farm does not currently offer a senior discount in Maryland, but it does offer quite a few deals that seniors can use to lower their premiums. This includes discounts for taking a defensive driving course, a safe driving discount, long-term customer, bundling and discounts for advanced safety features on your vehicle.
Bottom line
A CarInsurance.com analysis found that Nationwide provides the cheapest full-coverage car insurance quotes for senior drivers in Maryland.
Shopping around and comparing online rates from different insurers can help seniors find the best car insurance deals. Additionally, senior drivers might qualify for discounts by taking defensive driving courses or bundling their car insurance with another policy.
Check out how to shop for car insurance for seniors
Resources & Methodology
Additional Resources
There are several resources available for older drivers who want to stay safe behind the wheel and save on their insurance premiums:
- American Automobile Association: AAA helps senior drivers to continue driving for as long and safely as possible.
- AARP (American Association of Retired Persons): AARP’s smart driver program helps senior drivers to learn proven driving techniques and save money on car insurance.
- National Institute on Aging: The NIA provides tips to senior drivers about health and driving and offers free publications to aging seniors to answer health-related queries.
- Fitness-to-Drive Screening Measure Online: This web-based tool helps family members identify at-risk drivers.
- Eldercare Locator: Helps senior drivers maintain their independence, and provides information about highway safety for aging drivers and services.
Sources:
- Centers for Disease Control & Prevention. “Older Adult Drivers.” Accessed March 2025.
- Insurance Institute for Highway Safety. “Fatality Facts 2021 Older People.” Accessed March 2025.
- National Safety Council. “Motor Vehicle: Age Group Comparisons.” Accessed March 2025.
- National Highway Traffic Safety Administration “U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS).” Accessed March 2025.
Methodology
CarInsurance.com gathered car insurance rates for senior drivers from Quadrant Information Services. The rates are for a full coverage policy with limits 100/300/100 and a $500 comprehensive and collision deductible based on sample profiles of 65, 70 & 75 year old male and female drivers with clean driving records. We have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 170 national and regional car insurance companies.
To determine car insurance rates for senior drivers with a history of traffic violations, CarInsurance.com used a sample profile of a 65-year-old driver who owns a Honda Accord LX. We have compared 50,73,544 insurance quotes from 138 companies across 1,468 ZIP codes.
Car insurance rates are calculated by evaluating the sample profile of a 65-year-old male and female driver with the following incidents applied
- One at-fault property damage accident over $2K
- One at-fault property damage accident under $2K
- At-fault bodily injury accidents
- DUI/DWI first offense.
- Speeding ticket (1-10 MPH over the limit,11-29 MPH over the limit & 30+ over limit)
These are sample rates and should only be used for comparison purposes.
Note: USAA is only available to military community members and their families.
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