Cheapest car insurance for high-risk drivers in Maryland

Which company has the cheapest car insurance in Maryland for a bad driving record?

GEICO, Erie Insurance, Nationwide are the cheapest options. GEICO has the lowest annual rate at $1,693 per year.

Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.

Company	Average annual premium for clean record	Annual premium for high-risk driver
GEICO	$1,262	$1,693
Erie Insurance	$1,685	$2,284
Nationwide	$1,363	$2,404
Progressive	$1,895	$2,433
Travelers	$1,523	$2,452
Kemper	$1,603	$3,169
State Farm	$2,177	$3,787
Allstate	$3,108	$4,220
USAA	$1,043	$1,673

Read our methodology

How much is high-risk car insurance in Maryland?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Maryland, high-risk car insurance costs $2,832 per year. However, you can get rates as low as $1,693 annually from GEICO.

Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.

Read on as we explain high-risk car insurance factors and rates below.

Average annual car insurance rate for At-fault bodily injury accident in Maryland, MD is $2,884

Show Graph View

Company	Annual premium for clean record	Annual premium after violation
USAA	$1,043	$1,743
GEICO	$1,262	$1,909
Travelers	$1,523	$2,309
Erie Insurance	$1,685	$2,378
Nationwide	$1,363	$2,394
State Farm	$2,177	$2,634
Progressive	$1,895	$2,788
Kemper	$1,603	$3,363
Allstate	$3,108	$5,035

Read our methodology

Average annual rate

PEOPLE ASK:

Who is considered a high-risk driver in Maryland?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

What company offers the cheapest car insurance in Maryland after a DUI?

While many insurers offer coverage after a DUI, GEICO has the lowest rate at $1,547 a year.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. a DUI in Maryland.

Company	Average annual premium for clean record	Annual premium for a DUI
GEICO	$1,262	$1,547
Erie Insurance	$1,685	$1,937
State Farm	$2,177	$2,335
Travelers	$1,523	$2,441
Progressive	$1,895	$2,514
Nationwide	$1,363	$3,257
Allstate	$3,108	$4,058
Kemper	$1,603	$4,356
USAA	$1,043	$2,783

Read our methodology

What is the cheapest car insurance in Maryland with multiple tickets?

The cheapest insurer for drivers with multiple tickets is GEICO, with rates averaging $1,568 annually or $131 monthly.

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.

This table shows Maryland drivers how much multiple tickets increase premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
GEICO	$1,262	$1,568
Erie Insurance	$1,685	$1,937
Nationwide	$1,363	$1,971
Progressive	$1,895	$2,246
Travelers	$1,523	$2,327
State Farm	$2,177	$2,335
Kemper	$1,603	$2,591
Allstate	$3,108	$4,197
USAA	$1,043	$1,245

Read our methodology

Key insight

Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

Which company offers the cheapest insurance for reckless driving in Maryland?

Erie Insurance has the cheapest rates for drivers with reckless driving convictions at $1,937 a year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.

Company	Average annual premium for clean record	Annual premium for reckless driving
Erie Insurance	$1,685	$1,937
State Farm	$2,177	$2,335
GEICO	$1,262	$2,364
Travelers	$1,523	$2,441
Progressive	$1,895	$2,465
Nationwide	$1,363	$3,257
Allstate	$3,108	$4,058
Kemper	$1,603	$4,356
USAA	$1,043	$1,453

Read our methodology

Key insight

A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Maryland?

The cheapest Maryland insurer for bad credit is GEICO, with rates averaging $1,547 per year or $129 per month. The good news is that drivers with bad credit can still get affordable auto insurance.

Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.

Check the table below to see how your credit score affects Maryland car insurance.

Company	Annual premium for good credit	Annual premium for bad credit
GEICO	$1,262	$1,547
Nationwide	$1,363	$1,995
Kemper	$1,603	$2,528
Travelers	$1,523	$2,851
Progressive	$1,895	$2,879
Erie Insurance	$1,685	$4,021
Allstate	$3,108	$4,612
State Farm	$2,177	$11,042
USAA	$1,043	$2,068

Read our methodology

What company has the cheapest car insurance in Maryland after an accident?

GEICO has the lowest average rates after an accident at $1,909 a year. Travelers also offers affordable rates, averaging $2,244 per year.

Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.

This table shows car insurance rates for drivers with a clean record, a single at fault accident, and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
GEICO	$1,262	$1,909	$2,965
Travelers	$1,523	$2,244	$2,866
Erie Insurance	$1,685	$2,378	$2,819
Nationwide	$1,363	$2,394	$3,385
State Farm	$2,177	$2,634	$2,634
Progressive	$1,895	$2,788	$3,845
Kemper	$1,603	$3,363	$5,625
Allstate	$3,108	$5,035	$6,315
USAA	$1,043	$1,743	$2,672

Read our methodology

Key insight

Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in Maryland?

In Maryland, the lowest car insurance rates are found in Boonsboro, averaging $2,338 annually. On the other hand, Baltimore has the highest rates at $3,815 a year.

Where you live in Maryland matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.

City	Average annual premium for clean record	Annual premium for high-risk driver
Boonsboro	$1,470	$2,338
Luke	$1,488	$2,375
Henderson	$1,507	$2,412
Brunswick	$1,529	$2,438
Aberdeen	$1,750	$2,808
Maryland City	$1,772	$2,858
Laurel	$1,928	$3,117
Beltsville	$2,072	$3,352
Bladensburg	$2,253	$3,621
Baltimore	$2,345	$3,815

Read our methodology

How can high-risk drivers lower their car insurance rates in Maryland?

Finding affordable car insurance in Maryland is possible, even with a bad driving record. Ways to lower car insurance rates include:

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

PEOPLE ASK:

How long are you considered a high-risk driver in Maryland?

Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on: