Go To Top

United Svcs Automobile offers the cheapest auto insurance rates in Maryland at about $796 a year or $66 monthly for an average driver profile. However, many factors go into deciding your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select as metrics to determine your average annual car insurance cost.

KEY TAKEAWAYS
  • MetLife offers the best car insurance rates in Maryland among the companies analyzed by Insurance.com.
  • In Maryland, United Svcs Automobile provides the cheapest car insurance at $796 per year.
  • Car insurance rates differ with various driving profiles. Geico offers the cheapest car insurance prices for drivers with poor credit.
  • Geico has the cheapest car insurance rates for any driver with a DUI in Maryland. The insurance premium is $1,465 per year.

Best auto insurance companies in Maryland

Based on Insurance.com's rate analysis, MetLife is our top pick for the best auto insurance company in Maryland. It has earned 4.8 auto star rating, highest among the carriers surveyed. Apart from MetLife, Progressive, USAA, CSAA Insurance Group and Farmers are the other top performers on the list of best car insurance companies.

Compare insurance providers based on their auto star ratings and decide which one is the right option for you.

CompanyAuto star ratings
MetLife4.8
Progressive4.8
USAA4.7
CSAA Insurance Group4.3
Farmers4.3
Nationwide4.1
Geico4.0
Erie3.8
State Farm3.7
Hartford3.7
Allstate3.4

Cheapest car insurance companies in Maryland

Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.

We have gathered price quotes from all the major insurance providers in Maryland and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, United Svcs Automobile is the cheapest auto insurance company in Maryland that offers insurance policies at $796 annually or $66 a month, on average.

CompanyAverage annual premiumAverage monthly premium
United Svcs Automobile Assn$796$66
GEICO General$1,044$87
Travelers Property Cas$1,053$88
Nationwide P&C$1,156$96
Unitrin Safeguard$1,384$115
Progressive Select$1,399$117
Erie Ins Exchange$1,435$120
State Farm Mutl Automobile Ins$1,554$130
Metropolitan Casualty$2,519$210

Cheapest car insurance cost in Maryland for teens

Erie Ins Exch is the cheapest car insurance company in Maryland for teen drivers. Its average annual premium for teenagers is $3,508 or $292 a month.

The difference in costs between the teen and adult group is significant. Drivers in the youngest age group pay more than the drivers in the oldest age group. There are several reasons for this difference. Teen drivers are more likely to be involved in accidents and to make claims on their insurance policies. They are also more likely to be driving illegally without insurance. All these reasons lead to higher insurance rates for teenage drivers.

CompanyAverage annual premium
Erie Ins Exch$3,508
Geico Cas Co$4,333
State Farm Mut Auto$5,344
Nationwide Prop & Cas$6,010
Progressive Select$8,168
Allstate Ind Co$9,026

Cheapest car insurance cost in Maryland for young adults

Geico is the cheapest car insurance company in Maryland for young adults, based on Insurance.com's rate analysis. Its average annual premium is $1,885 or $157 a month.

The insurance rates for young drivers are more expensive than adult drivers because they have a short history of safe driving and lack of experience on the road.

If you’re a young driver and still studying and looking for ways to save on your car insurance, make sure you take advantage of the discounts for which you are eligible. And for those who aren't students anymore, they can avail themselves of other discounts offered by insurance companies to save on their insurance premium.

CompanyAverage annual premium
Geico Cas Co$1,885
Erie Ins Exch$2,794
Nationwide Prop & Cas$2,816
State Farm Mut Auto$2,953
Progressive Select$3,347
Allstate Ind Co$3,685

Cheapest car insurance cost in Maryland for adults

Geico is the cheapest car insurance company in Maryland for adults. Its average annual premium is $1,384 or $115 a month.

When most drivers reach their mid 20s, they enjoy cheaper car insurance rates than in their teen years and early 20s. Still, the cost of car insurance varies due to factors such as a person’s driving record and the make or model they drive.

Adult drivers can lower the cost of auto insurance by shopping around and availing themselves of any discounts available. Another way to save on your premium is by insuring more than one vehicle with the same company, or by bundling your home and auto insurance policies.

CompanyAverage annual premium
Geico Cas Co$1,384
Erie Ins Exch$1,531
Nationwide Prop & Cas$1,567
State Farm Mut Auto$1,750
Progressive Select$1,832
Allstate Ind Co$2,715

Cheapest car insurance cost in Maryland for seniors

Erie is the cheapest auto insurance company for senior drivers in Maryland. Its average annual premium is $1,471 or $123 a month.

Insurance companies charge mature drivers much less than they do for teen drivers, but as drivers get into their senior years, a lot of those discounts dry up. You can save a lot of money by comparing car insurance rates. Senior drivers might be able to save hundreds of dollars on their insurance premium by shopping around.

CompanyAverage annual premium
Erie Ins Exch$1,471
Nationwide Prop & Cas$1,588
Geico Cas Co$1,603
Progressive Select$1,671
State Farm Mut Auto$1,750
Allstate Ind Co$3,103

Cheapest Car Insurance Companies in Maryland by Driver Profile

While location is a major factor in determining your car insurance rates, your driving profile also plays a role. Some drivers struggle with a bad driving record, but a clean record doesn't have to hurt your wallet. If you have been convicted of any traffic violations or have multiple accidents under your belt, then your auto insurance rates may skyrocket.

Make sure you compare rates of insurance companies to find the best policy for you. No matter what your driving history looks like, you can still find affordable coverage in Maryland.

Cheapest auto insurance for drivers with poor credit: Geico

Geico is the cheapest car insurance company for drivers a with poor credit score. Its average annual premium is $1,465 or $122 a month. It's important to know that your credit score can affect your rates with insurers. One company might charge more because of your poor credits, but another could offer the same coverage for less money. The best way to get lower rates is by getting multiple quotes from different companies and seeing which one offers a better price

CompanyAverage annual premium
Geico$1,465
United$1,620
Nationwide$1,928
Travelers$2,485
Unitrin$2,515
Progressive$2,663
State Farm$3,694
Erie Ins$3,870
Metropolitan$4,788

Cheapest auto insurance for drivers with a speeding tickets: United

United is the cheapest car insurance company for drivers with a speeding ticket. Its average annual rate for Maryland drivers is $1,109, based on a rate analysis by Insurance.com.

If you get a speeding ticket, your car insurance rates might go up. However, how much a speeding ticket affects your rates will depend on the type of violation, insurance company’s pricing strategy and regulations in your state.

The data below shows the companies that offer cheap insurance rates for drivers with a speeding ticket in Maryland.

CompanyAverage annual premium
United$1,109
Geico$1,475
Erie Ins$1,749
Nationwide$1,838
Travelers$1,865
State Farm$1,876
Progressive$2,231
Unitrin$2,630
Metropolitan$5,360

Cheapest auto insurance after at-fault accident: United

United is the cheapest car insurance company for drivers with an accident record. Its annual average cost for drivers with an at-fault bodily injury accident is $1,458. The only way to get cheap car insurance after an accident is by comparing rates. So, don't forget to compare insurers based on their average annual premium to get an affordable rate.

CompanyAverage annual premium
United$1,458
Geico$1,778
Travelers$1,863
State Farm$2,117
Erie Ins$2,153
Nationwide$2,294
Progressive$2,660
Unitrin$3,293
Metropolitan$6,264

Cheapest auto insurance after a DUI: Geico

The cheapest car insurance company for drivers with a DUI is Geico. Its average premium cost is $1,465 or $122 a month.

When you get pulled over for driving under the influence, your insurance rates are going to skyrocket. This is because it signals that drivers with a DUI have a higher chance of getting into accidents. A DUI conviction can have a huge impact on your insurance rates, but shopping around may help you save money.

CompanyAverage annual premium
Geico$1,465
Erie Ins$1,749
State Farm$1,876
Travelers$1,946
United$2,459
Progressive$2,521
Nationwide$2,851
Unitrin$3,814
Metropolitan$7,962

Average cost of car insurance in Maryland

The average car insurance rate in Maryland is $1,371 a year for a full coverage policy with coverage level of 100/300/100 for a driver age 30, according to a rate analysis by Insurance.com. That’s -$85 more than the national average $1,456. For the state minimum coverage, the average annual cost in Maryland is $525.

State minimum average annual rateFull coverage average annual rate
$525$1,371

Shop car insurance in top cities of Maryland

Car Insurance inAberdeen, MD
Car Insurance inBeltsville, MD