Which company has the cheapest car insurance in Maryland for a bad driving record?
GEICO, Erie Insurance and Nationwide offer some of the cheapest rates for drivers with poor driving records in Maryland. Among them, GEICO has the lowest average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $1,693 annually.
If you have accidents, tickets or a DUI on your record, insurance companies will charge higher rates. Serious violations may affect your premiums for years, especially if you have multiple offenses.
| 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 |
How much is high-risk car insurance in Maryland?
The average cost of high-risk car insurance in Maryland is $2,832 per year. Depending on your driving history and insurer, you may be able to find rates as low as $1,693 annually.
Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets, or one in a school zone, will increase your rates more than a single basic speeding ticket.
Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| 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 |
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?
GEICO offers the cheapest average rate for drivers with multiple tickets at $1,568 annually or $131 monthly.
A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.
The table below compares average car insurance rates with a clean driving record and rates after 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 |
What is the cheapest car insurance in Maryland with multiple tickets?
GEICO has the cheapest average rates for drivers with multiple tickets at $1,568 annually or $131 monthly.
A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.
This table shows drivers in Maryland how much having multiple tickets can raise their insurance 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 |
Expert's Insight
Two minor tickets can sometimes cost you more on insurance than one major violation.
What company offers the cheapest insurance for reckless driving in Maryland?
Erie Insurance has the cheapest average reckless driving insurance rates in Maryland at $1,937 per year. Reckless driving convictions often result in substantial premium increases and fewer coverage options.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
The table below compares car insurance rates for drivers with a clean driving record and 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 |
Expert's 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?
GEICO offers the lowest average car insurance rates in Maryland for drivers with bad credit, at $1,547 per year or $129 per month. Even with bad credit, drivers can still find affordable auto insurance coverage.
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 |
What company has the cheapest car insurance in Maryland after an accident?
GEICO has the cheapest average post-accident insurance rates in Maryland at $1,909 per year. Travelers also offers below-average rates after an at-fault crash.
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 |
Expert's Insight
Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.
Which city is cheapest for high-risk car insurance in Maryland?
Boonsboro has the cheapest average high-risk insurance premiums in Maryland at $2,338 annually. Meanwhile, Baltimore has the highest average rates at $3,815 per year.
Where you live affects your insurance costs. Areas with more traffic, accidents or vehicle theft usually have higher insurance rates.
| 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 |
How can high-risk drivers lower their car insurance rates in Maryland?
High-risk drivers in Maryland can reduce insurance costs by comparing quotes and avoiding additional violations. Many insurers reward safer driving habits over time with lower premiums.
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.
- Take a defensive driving course. Many insurance companies offer a discount for completing the class, and some states remove driver's license points for successfully completing it.
- 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 Maryland 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:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:
- DUI
- Reckless driving
- Multiple speeding tickets
- Bad credit
- One at-fault accident over $2,000
FAQ: High-risk car insurance in Maryland
Can high-risk drivers get full coverage car insurance in Maryland?
Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.
Does an SR-22 automatically make your insurance more expensive in Maryland?
Not directly. It's the reason you need an SR-22 that will cause the rate increase. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.
Will my car insurance rates go down after three years in Maryland?
Yes, your rates should decrease over time if you avoid additional tickets, accidents or claims.
Compare Maryland high-risk driver car insurance rates with other states
You might also be interested in- Maryland car insurance laws and requirements: What is changing in 2026
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