Cheapest car insurance for high-risk drivers in Maryland

Cheapest car insurance in Maryland for a bad driving record

If you have a poor driving record in Maryland, 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

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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.

Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.

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

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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

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Average annual rate

PEOPLE ASK:

Who is considered high-risk for insurance 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.

Cheapest car insurance in Maryland with 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

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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

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Cheapest car insurance in Maryland with a reckless driving conviction

Erie Insurance offers the most affordable rates for drivers with reckless driving convictions, averaging $1,937 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those 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

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Cheapest car insurance in Maryland with bad credit

The cheapest Maryland insurer for bad credit is GEICO, with rates averaging $1,547 annually or $129 monthly. Fortunately, drivers with bad credit can still find affordable auto insurance.

Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file 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 statistically, drivers with a low credit score fit that description.

Check out 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

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Cheapest car insurance after an accident in Maryland

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

Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.

This table shows rates for drivers with a clean record, one 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

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Cheapest car insurance in Maryland by city

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

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How to reduce car insurance rates in Maryland for a bad driving record

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:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.