Car Insurance in Maryland
- Travelers offers the cheapest full coverage auto insurance in Maryland
- Compare the cheapest car insurance quotes in MD from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Car insurance quotes in Maryland
Maryland's average car insurance rate is $1213 for a six-month policy — about 11% more expensive than than the national average.[1] Travelers offers some of the most affordable full coverage options if you're a Maryland driver looking to save.
Car insurance rates depend on more than just where you live. Factors like your age and driving history also play a big role. Our data shows that 40% of drivers in Maryland feel they're paying too much for car insurance.[2] Shopping around and comparing quotes from different companies is the best way to find savings, and we're here to help when you're ready!
- Travelers offers Maryland's cheapest full-coverage insurance coverage at $127/mo.
- See the other cheapest full-coverage insurance companies and best discounts in Maryland ↓
- As a highly-rated regional carrier, Erie scored an 863 on J.D. Power's 2023 auto study.[3]
- Read about the rest of the top and best companies in Maryland ↓
- The Zebra used third-party reviews from JD Power and AM Best and thousands of customer ratings in Maryland to name Travelers Insurance the best overall company for Maryland residents.
- USAA is also a good alternative if you (or your immediate family) are a member of the armed forces
- Read more about why we've ranked Travelers as a good option for Maryland residents ↓
- GEICO offers the cheapest liability coverage in Maryland for as little as $63 per month.
- Read about the rest of the top and best companies in Maryland ↓
Cheap full coverage insurance in Maryland
In 2024, the cost of full coverage insurance in Maryland is $1213 for a 6-month policy, based on The Zebra's data. This type of insurance, which typically includes both collision and comprehensive, is sought after by 57% of our Maryland customers.[2]
Maryland drivers looking for the cheapest full coverage should start their search with Travelers. GEICO and USAA are also solid options but remember that USAA is only available to military members and their immediate family members.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $763 | $127 |
| USAA | $934 | $156 |
| GEICO | $952 | $159 |
| Nationwide | $1,054 | $176 |
| Progressive | $1,185 | $198 |
| Erie | $1,196 | $199 |
| State Farm | $1,233 | $206 |
| Allstate | $1,832 | $305 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Zebra Tip: Ask about these discounts for savings on car insurance
- Vehicle discounts: Safety features, anti-theft devices, newer cars
- Driver discounts: Telematics, good student, good driver, homeowner, military, multi-policy
- Payment discount: Paid-in-full, advance purchase, automatic payments
Find the best coverage and price in Maryland with The Zebra
What are the best car insurance companies in Maryland?
We named Travelers the best insurance company in Maryland based on third-party ratings (such as JD Power), consumer reviews, and details such as coverage and discounts available.
Travelers Insurance offers the most affordable rates from a large company in Maryland, and they also have a reputation for great customer service.
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Cheaper than competitors
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Multiple discounts available
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Variety of insurance products and services
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Available throughout the country
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Below-average claims satisfaction rating
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Higher than average number of customer complaints
Best car insurance in Maryland — honorable mentions
While Travelers topped the list overall, the following companies also have much to offer customers in Maryland. For this list, we used ratings from the JD Power auto insurance survey and The Zebra's Customer Satisfaction Survey, which collected responses from 2,722 drivers to help us determine which companies were making customers happiest.[4]
How did we pick what company has the "Best Value" in Maryland?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2023 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Maryland
- Available coverage options
- The author's 2+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Cheap liability insurance in Maryland
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $378 | $63 |
| USAA | $389 | $65 |
| Travelers | $395 | $66 |
| Progressive | $560 | $93 |
| Erie | $586 | $98 |
| State Farm | $591 | $98 |
| Nationwide | $595 | $99 |
| Allstate | $960 | $160 |
Source: The Zebra
Liability coverage is a way to meet state minimum standards without spending too much. However, there are a few things to think about before choosing it as your only car insurance. Liability covers damages to other people and their vehicles if you're at fault in an accident. It won't cover your own car, so we don't recommend it as your only coverage if you have a fairly expensive vehicle. A good rule of thumb is that if your car is worth $4,000 or less, you can probably skip collision and comprehensive coverage.
The minimum requirement in Maryland for PIP is $2,500. But depending on the carrier, they could offer to cover higher limits (such as $5,000 or $10,000). This is important because PIP covers medical expenses, income continuation, and loss of essential services incurred by the insured or any eligible person injured. Most importantly, this coverage protects you regardless of who is at fault in the accident.
Also, if trying to decide between Limited and Full PIP, I would suggest the Full PIP since it covers the name insured, relatives 16 and older, and any other person listed on the policy as a permissive user. Limited PIP only covers minor children in the household.
Monica Monroy-Adams, Licensed Insurance Advisor at The Zebra
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| GEICO | $378 | $952 |
| USAA | $389 | $934 |
| Travelers | $395 | $763 |
| Progressive | $560 | $1,185 |
| Erie | $586 | $1,196 |
| State Farm | $591 | $1,233 |
| Nationwide | $595 | $1,054 |
| Allstate | $960 | $1,832 |
Source: The Zebra
Compare car insurance rates from the best companies in Maryland.
Car insurance price trends in Maryland
In Maryland, average annual auto insurance costs increased by over $700 in the past year. A typical Maryland driver pays an average of $2,129 per year.
The recent pricing trend in Maryland and most of the U.S. has been increased car insurance costs. The steepest increase occurred over the past year. The past several years have included volatile rate shifts, so if you feel like your insurance premiums have been unsteady for a while, you aren't alone.
| Year | Avg. Annual Premium | Yearly Change |
|---|---|---|
| 2024 | $2,129 | $732 |
| 2023 | $1,397 | -$617 |
| 2022 | $2,017 | $702 |
| 2021 | $1,305 | -$131 |
| 2020 | $1,498 | $24 |
| 2019 | $1,412 | $67 |
| 2018 | $1,345 | $451 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
Car insurance in popular Maryland cities
Car insurance companies calculate your rate based on many factors, including the vehicle's location. Baltimore is the major city with the most expensive insurance, which may not surprise residents.
The table below shows average car insurance costs in some of Maryland's biggest cities.
Cheap auto insurance for teens and young drivers in Maryland
Teen drivers between 16 and 19 face the highest car insurance rates across the U.S. Because inexperienced drivers are riskier to insure, teens pay more than three times the national average. In Maryland, teens aged 16 to 19 pay $6,565 per year, which is $1,225 more than the national average and 171% higher than what a 30-year-old Maryland driver would pay.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $2,180 | $363 |
| GEICO | $2,874 | $479 |
| USAA | $2,882 | $480 |
| Nationwide | $3,554 | $592 |
| Progressive | $4,143 | $691 |
| State Farm | $4,944 | $824 |
| Allstate | $7,509 | $1,251 |
Source: The Zebra
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Allstate | $9,297 | $1,549 |
| State Farm | $6,543 | $1,090 |
| Progressive | $5,303 | $884 |
| USAA | $4,113 | $686 |
| Nationwide | $4,068 | $678 |
| Erie | $3,356 | $559 |
| GEICO | $3,302 | $550 |
| Travelers | $2,841 | $473 |
Source: The Zebra
Zebra Tip: 3 ways young drivers can save on car insurance
- Complete an approved defensive driving course to qualify for discounts and reduce accident risk.
- Choose a less expensive car with good safety ratings and low repair costs over high-performance models.
- Stay on a parent's policy to save money and benefit from their longer insurance history.
Find your best value insurance match with The Zebra.
Maryland auto insurance quotes after an accident or ticket
In Maryland, a bad driving record will cause your rates to skyrocket. Your auto insurance premiums will probably rise if you receive a ticket or citation. How much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average. Typically, the violations that will cause the highest increase will be DUI or hit-and-run charges, whereas an incident such as a speeding ticket will cause less of a rate hike.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Allstate | $3,308 | $551 |
| State Farm | $1,911 | $319 |
| Nationwide | $1,843 | $307 |
| Progressive | $1,737 | $289 |
| USAA | $1,475 | $246 |
| GEICO | $1,321 | $220 |
| Travelers | $1,034 | $172 |
Source: The Zebra
Zebra Tip: Don't forget about claims satisfaction
The goal with insurance is to have it in case you need it; if you ever do, having a low-stress experience is critical. In our 2024 Customer Satisfaction Survey, we asked about the claims experience of various companies. Erie was the top choice and is worth considering if you live in Maryland.
Source: The Zebra
The Zebra's guide to Maryland car insurance laws for high-risk drivers
Certain tickets or violations will affect your insurance differently, and not just through the cost. We've outlined the details for DUI violations and SR-22 requirements below.
Maryland DUI laws
In Maryland, a DUI offense can increase your annual car insurance premium by an average of $2,272. Finding affordable auto insurance after a DUI violation isn’t simple. A DUI often brings about a more significant premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
No car insurer in particular offers cheap DUI auto insurance. The recommended way to save money after a DUI citation is to shop around.
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Lower-cost car insurance after a DUI in Maryland
If you're convicted of a DUI or DWI violation in Maryland, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Maryland, Travelers, advertises annual rates 17% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Maryland is GEICO, while the priciest firm is State Farm, with prices 110% above average.
Updating data...
| Company | Avg. Annual Premium |
|---|---|
| GEICO | $2,086 |
| Travelers | $2,268 |
| Progressive | $3,392 |
| Allstate | $3,822 |
| Nationwide | $4,918 |
| USAA | $5,011 |
| State Farm | $5,907 |
Source: The Zebra
Maryland SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy but a form issued by your insurance company to ensure that you remain insured. Most states require an SR-22, but Maryland is one exception. The state of Maryland does not require you to file an SR-22 to apply for insurance.Â
If you move from a state that requires an SR-22 to a state that does not, you will typically still need to follow the state's requirements that first require you to file an SR-22.
If your rates are increasing more rapidly than the state average in Maryland, then we suggest getting multiple quotes so you can compare rates. Even if you haven't noticed a huge cost jump, it's a good idea to get new quotes a few times per year. The Zebra’s car insurance comparison tool provides personalized quotes based on your unique profile — simply enter your ZIP code below to begin
Maryland car insurance FAQs
Below, you'll find answers to some of the most commonly asked questions regarding Maryland auto insurance.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
J.D. Power. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds
2024 Customer Satisfaction Survey. The Zebra
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.