- Cheapest car insurance for high-risk drivers in Maryland
- Average rates for high-risk drivers in Maryland by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Maryland
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Maryland is Geico, followed by Travelers and Erie Insurance.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $1,830 | $153 |
| Travelers | $2,417 | $201 |
| Erie Insurance | $2,528 | $211 |
| Progressive | $2,850 | $238 |
| State Farm | $3,069 | $256 |
| Nationwide | $3,260 | $272 |
| Kemper Insurance | $3,982 | $332 |
| Allstate | $4,865 | $405 |
| USAA | $1,746 | $146 |
Average rates for high-risk drivers in Maryland by driving record
Average cost of car insurance in Maryland for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| USAA | $1,840 |
| Geico | $2,064 |
| Travelers | $2,277 |
| Erie Insurance | $2,576 |
| State Farm | $2,997 |
| Progressive | $3,237 |
| Nationwide | $3,415 |
| Kemper Insurance | $4,314 |
| Allstate | $5,793 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Maryland for a driver with a DUI is Geico with an average annual of $1,671 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $1,671 | $139 |
| Erie Insurance | $2,091 | $174 |
| Travelers | $2,393 | $199 |
| State Farm | $2,643 | $220 |
| Progressive | $2,997 | $250 |
| Nationwide | $4,289 | $357 |
| Allstate | $4,677 | $390 |
| Kemper Insurance | $5,055 | $421 |
| USAA | $2,920 | $243 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Maryland, the cheapest car insurance with multiple tickets is from Geico. It offers full coverage insurance at $1,694 per year or $141 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $1,694 | $141 |
| Erie Insurance | $2,091 | $174 |
| Travelers | $2,285 | $190 |
| State Farm | $2,643 | $220 |
| Progressive | $2,670 | $223 |
| Nationwide | $2,712 | $226 |
| Kemper Insurance | $3,471 | $289 |
| Allstate | $4,831 | $403 |
| USAA | $1,310 | $109 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Maryland, Erie Insurance offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $2,091 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Erie Insurance | $2,091 | $174 |
| Travelers | $2,393 | $199 |
| Geico | $2,557 | $213 |
| State Farm | $2,643 | $220 |
| Progressive | $2,909 | $242 |
| Nationwide | $4,289 | $357 |
| Allstate | $4,677 | $390 |
| Kemper Insurance | $5,055 | $421 |
| USAA | $1,535 | $128 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Maryland is Geico with an average annual cost of $1,671 or $139 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $1,671 | $139 |
| Nationwide | $2,845 | $237 |
| Travelers | $2,862 | $239 |
| Progressive | $3,181 | $265 |
| Kemper Insurance | $3,370 | $281 |
| Erie Insurance | $4,712 | $393 |
| State Farm | $5,200 | $433 |
| Allstate | $5,341 | $445 |
| USAA | $2,091 | $174 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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