Cheap Maryland Car Insurance

Find affordable auto insurance that works for you in Maryland. Compare quotes from over 100 top companies.

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Here's what you should know when driving in Maryland

Across the Old Line State, there are 68,889 miles of road just waiting to be driven. Read on to learn how much auto insurance costs in Maryland based on these variables, or submit your ZIP code above to receive free personalized quotes from top insurers so you can safely hit the road without breaking the bank.


 

Affordable insurance companies in Maryland

What's the cheapest car insurance in Maryland?
RankCompany NameAvg. Annual Premium
1MetLife$1,400
2Travelers$1,412
3Penn National$1,494
4Cal Casualty$1,514
5Erie$1,564
6USAA$1,732
7State Farm$2,093
8Allstate$2,143
9Nationwide$2,310
10Victoria$2,494

Compare quotes from dozens of insurers that provide coverage throughout Maryland. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in Maryland

Drivers with a great driving record typically enjoy cheaper insurance rates than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Maryland drivers don't enjoy a massive discount for staying safe on the roads, as a lack of traffic tickets is rewarded by an 11% price cut, compared to 17% nationally. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$16111.89%
No Accidents$54931.49%
Good Credit$98345.16%

 

Cheap auto insurance for young drivers in Maryland

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. Maryland is a relatively affordable state for teen drivers: the typical teen driver pays $4,440 per year — about $500 less than the national average for teens, but still far more than the Maryland driver average across all age groups. In order to find competitive rates, be sure to request free car insurance quotes online every few months. 

AgeAnnual Rate with ParentsAnnual Rate Alone
16$5,409$4,853
17$5,168$4,072
18$5,199$3,532
19$4,483$2,807

 

Cheap auto insurance for bad drivers in Maryland

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a poor driving record will cause your rates to skyrocket: car insurance premiums typically increase by 30% after a DUI, 31% after an at-fault accident, and 11% after a speeding ticket in Maryland. The post-citation penalties assessed by car insurance companies in Maryland are lower than nationwide averages. If you have a clean driving record, be sure to check for good-driving discounts from your insurer.

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,74331.49%
DUI$1,73130.99%
Speeding Violation$1,35611.89%
Bad Credit$2,17845.16%

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Top rated car insurance companies in Maryland

Every car insurance company highlights its cheap prices. But as with any service, the lowest car insurance option isn't always the best choice. Considering the stakes, it's worth doing the research to find an auto policy that protects your car adequately after an incident. Be on the lookout for the best value, instead of settling for the most affordable car insurance in Maryland.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

AllstateAbove averageAverageSuperior4.3 / 5
Cal CasualtyN/AN/AGoodN/A
ErieAbove averageAbove averageSuperior4.5 / 5
Liberty MutualBelow averageAbove averageGood4.2 / 5
MetLifeExcellentBelow averageExcellentN/A
NationwideAbove averagePoorSuperior4.3 / 5
Penn NationalN/AN/AExcellentN/A
State FarmAbove averageAbove averageSuperior4.5 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5
USAAExcellentExcellentSuperior4.6 / 5

 

Maryland auto insurance laws

In Maryland, drivers are required to carry liability, uninsured and underinsured motorist coverage, and personal injury protection at or above the following minimum levels:

Liability

  • Bodily injury liability: $30,000 per person
  • Bodily injury liability: $60,000 per accident
  • Property damage liability: $15,000 per accident

Uninsured and Underinsured Motorist Coverage

  • Bodily injury: $30,000 per person
  • Bodily injury: $60,000 per accident
  • Property damage: $15,000 per accident

Personal Injury Protection

  • $2,500 per person (full or limited)

Optional car insurance coverage options in Maryland (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Rental Car Reimbursement
  • Roadside Assistance

For the minimum required coverage in Maryland, expect to pay an average of $649 annually. These rates are cheaper than the national average by 1%. If you opt for better coverage, you can select a policy with comprehensive and collision coverage, which will protect against damages caused by auto collisions, theft and vandalism, or weather incidents. However, better auto insurance coverage comes with a cost: in Maryland, a comprehensive insurance policy with a $1,000 deductible costs $1,106, 70% more than basic insurance coverage. For a comprehensive policy with a $500 deductible, expect to pay 91% more than you would for a basic policy.

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How tickets change insurance rates in Maryland

When you receive a ticket your auto insurance rates will probably go up. By how much depends on the violation, your insurer's pricing standards, and differences in local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at average car insurance rates in Maryland after a few common citations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,03853%$710
Refused Breathalyzer/Chemical Test$1,81437%$486
DUI$1,81437%$486
Racing$2,02352%$696
Reckless Driving$1,96248%$635
Driving with a Suspended License$1,82938%$501
At-Fault Accident$1,87641%$548
Driving with an Open Container$1,71929%$391
Operating a Vehicle Without Permission$1,51514%$188
Passing a School Bus$1,56218%$235
Improper Passing$1,51514%$188
Following Too Closely$1,51514%$188
Speeding$1,59720%$270
Failure to Stop at a Red Light$1,51514%$188
Illegal Turn$1,51514%$188
Driving Wrong Way/Wrong Lane$1,47611%$148
Failure to Yield$1,51514%$188
Speeding in a School Zone$1,51514%$188
Driving Too Slowly$1,51514%$188
Distracted Driving$1,49413%$167
Driving with Expired Registration$1,4509%$122
Failure to Show Documents$1,4509%$122
Not-at-Fault Accident$1,3723%$45
Failure to Use Child Safety Restraint$1,3915%$63
Failure to Wear a Seat Belt$1,3512%$24
Driving Without Lights$1,4539%$125

 

Maryland car insurance FAQs

Who really has the cheapest car insurance in Maryland?

MetLife offers the cheapest auto insurance premiums for Maryland drivers, with an average rate of $700 for a six-month policy ($116 per month).  If you're interested in seeing quotes from multiple insurance companies in Maryland, use our comparison tool to get started.

Why is car insurance so expensive in Maryland?

Drivers in Maryland pay 12% less than the national average for car insurance — $619 vs $698 per six-month policy. If you feel you're overpaying for insurance, use our comparison tool to compare rates for Maryland drivers and see how much you could save.

Is it illegal to not have car insurance in Maryland?

If your vehicle is driven or parked on public roads, you legally need to carry insurance at or more than Maryland's liability limits. Use The Zebra to see free quotes.

How much does car insurance cost in Maryland cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Hagerstown, Maryland, and the most expensive in Baltimore, Maryland.

RankCityAvg. Annual Premium
1Baltimore$2,072
2Waldorf$1,569
3Glen Burnie$1,546
4Columbia$1,473
5Rockville$1,462
6Gaithersburg$1,455
7Ellicott City$1,443
8Bethesda$1,305
9Frederick$1,218
10Hagerstown$1,175

 

Recent Questions:

Are car diagnostics covered by the at-fault party?

If the diagnostics are part of your car's repair and the other party is at fault, this expense should be covered by the insurance company. However, this is specific to your claim and you will need to contact the company that's paying for the claim to find out the specifics of what they will cover.

Can my adult children who don't live with me be on my car insurance policy?

Although you are all living in the same state, insurance is rated at the zip code level. So, in this scenario, they would need their own policies.

Why did my premium increase if there was no claims payout?

There are many different reasons that your insurance rates can increase. Sometimes there is even more than one reason the rates go up.

If I am taking over payments on my brother's auto loan and leaving the car in his name, can I insure it?

You may be able to add the vehicle to an existing policy, but the registration and insurance will be in the name of two different people, which can create an issue with the state. I would recommend adding your brother as a second named insured on your policy, which means he has the same rights on the policy as you, and then add the vehicle.

Ross Martin
Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.