How much is car insurance in Maryland?

The average cost of full coverage car insurance in Maryland is $1,746 per year. But these rates can differ depending on factors like your age, the coverage you choose, your driving record and the type of car you drive.

For example, younger drivers usually pay more for car insurance, and people with bad driving records do, too.

Maryland drivers who choose to carry only the minimum car insurance will pay $727 on average. But this doesn't include collision or comprehensive coverage, so if you cause an accident, you'd have to pay for damage to your own car yourself.

"While most of us are reviewing our household budgets to see where we may be able to cut corners, your car insurance policy shouldn't be one of them. If you are considering saving money buying a liability-only auto insurance policy, the minimum legal coverage in most states, think first about what it will cost you when you need 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. for any injuries or damage to your vehicle other than those of the other victims when you cause a crash," says Carole Walker, executive director of the Rocky Mountain Insurance Association, a nonprofit consumer insurance information organization.

Average annual premium$1,746
Average monthly premium$146

Maryland car insurance rates by company

Every car insurance company sets car insurance rates differently. Some focus more on age, while others pay closer attention to driving records. That's why car insurance rates in Maryland can differ greatly from one company to another.

On average, GEICO has the lowest car insurance rates in Maryland. The table below shows average car insurance rates in Maryland from top-rated companies for different coverage levels.

CompanyState minimumLiability-onlyFull coverage
GEICO$428$465$1,262
Erie Insurance$600$660$1,685
Travelers$647$715$1,523
Kemper$707$779$1,603
Nationwide$724$715$1,363
State Farm$744$839$2,177
Progressive$812$875$1,895
Penn National Insurance$1,021$827$1,911
Allstate$1,255$1,299$3,108
USAA$362$418$1,043

Maryland car insurance costs by coverage level

The cheapest option in Maryland is usually minimum car insurance. But even if you raise the limits, it still won't cover you or damage to your car. Full coverage costs more, but it includes collision and comprehensive insurance, which helps pay for damage to your car from accidents or events like bad weather.

Check out Maryland car insurance costs by coverage level below.

State minimum car insurance$727
Liability-only car insurance$756
Full coverage car insurance$1,746

Maryland car insurance by driver profile

Car insurance companies consider your driving record when deciding your rates because it shows how likely you are to file a claim. If you have a DUI, several accidents, or a history of reckless driving, your insurance rates will be much higher.

In most states, your credit history also affects how much you pay for car insurance. Studies show that drivers with lower credit scores are more likely to file a claim instead of paying for damages themselves.

In Maryland, drivers with Bad Credit pay the highest rates. This table shows average car insurance rates in Maryland for other driver profiles.;

Profile groupsAverage annual premiumAnnual premium for profile$ Increase% Increase
At-fault accident$1,746$2,791$1,04560%
Bad credit$1,746$3,484$1,738100%
Careless driving$1,746$2,683$93754%
Claims$1,746$1,970$22413%
DUI$1,746$3,186$1,44082%
Reckless driving$1,746$3,107$1,36178%
Speeding$1,746$2,404$65838%
Texting ticket$1,746$2,204$45826%

Maryland car insurance rates by age group

Age can significantly impact car insurance rates. Younger, less experienced drivers see the highest Maryland car insurance rates. Rates decrease considerably with age and experience behind the wheel.

The table below shows average Maryland car insurance rates by age.

Age groupFull coverage car insurance
Teens (16-19)$5,359
Young Adults (20-24)$3,000
Adults (25-60)$1,750
Seniors (65-75)$1,803

How much does car insurance cost in Maryland per month?

The average monthly cost of Maryland car insurance varies based on the amount of coverage you choose. While the minimum required car insurance is the cheapest, full coverage offers more protection at a higher rate.

Coverage levelAverage monthly premium
State Minimum BI/PD$61
Liability Only - 50/100/50 BI/PD$63
Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll$145

Maryland car insurance discounts

Which car insurance discounts are available and how much savings drivers can expect depend on the state and the company. So, savings may vary considerably from company to company in Maryland.

Check out the available car insurance discounts in Maryland below and see how much you can save on average.

Discount type Premium before discount Premium after discount $ Saving 
Air Bags$1,895$1,869$26
Anti-Theft Device$1,895$1,883$12
Daily Commute$1,895$1,792$103
Days Advanced Purchase$1,895$1,759$136
Days Per Week Driven$1,895$1,789$106
Education$1,895$1,765$130
Electronic Funds Transfer$1,895$1,827$68
Electronic Signature$1,895$1,706$189
Homeowner$1,895$1,823$72
Lower Annual Mileage$1,895$1,808$87
Loyalty - Years Renewal With Company$1,895$1,833$62
Marital Status$1,895$1,783$112
Multi Policy$1,895$1,735$160
Paperless/Electornic Documents$1,895$1,813$82
Payment Type$1,895$1,737$158
Primary Use$1,895$1,719$176
Profession$1,895$1,683$212
Safety Devices$1,895$1,829$66
Telematics$1,895$1,703$192
Years Insured$1,895$1,510$385
Years Licensed$1,895$1,351$544

Car insurance requirements in Maryland

Maryland requires a minimum amount of car insurance, including:

  • 30/60/15 in liability coverage to pay for bodily injuries and property damages you cause in an accident.

Remember, the minimum coverage required by Maryland law is just that - the minimum. Experts recommend increasing limits and adding coverage, such as collision and comprehensive, to protect yourself better. By ensuring you have adequate coverage, you can have peace of mind on the road.

State minimum requirements30/60/15
State minimum car insurance$727
Liability-only car insurance$756
Full coverage car insurance$1,746

Car insurance rates in Maryland by model year

The vehicle you drive also affects Maryland car insurance rates. For example, newer cars cost more to repair since they have expensive parts, such as collision warning systems, cameras, and anti-theft devices.

See how the model and age of the vehicle affect Maryland car insurance rates below.

L O A D I N G
CompanyStyleAverage annual premium
GEICO2WD 4 Door Sedan Automatic Turbo$1,405
Nationwide2WD 4 Door Sedan Automatic Turbo$1,504
Progressive2WD 4 Door Sedan Automatic Turbo$1,865
State Farm2WD 4 Door Sedan Automatic Turbo$1,892
Allstate2WD 4 Door Sedan Automatic Turbo$3,275

Compare auto insurance rates by city in Maryland

Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Maryland will impact what you pay. Below, we've gathered Maryland car insurance rates by city for comparison.

CityAnnual insurance premium
Aberdeen
$1,750
Baltimore
$2,345
Beltsville
$2,072

Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.

We've tracked car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. trends in Maryland to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.

Insurance.com commissioned car insurance rates from Quadrant Data Systems in late 2023 for all 50 states and Washington, D.C. Base rates were fielded based on a 40-year-old driver with a clean record and good credit, driving a 2023 Honda Accord LX. Additional rates were fielded for multiple driver profiles including tickets, accidents and various credit tiers. Coverage levels include state minimum, 50/100/50 liability only, and full coverage at 100/300/100 liability limits with $500 deductibles. Rates were fielded from 34,588 ZIP codes and 170 insurance companies.

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