Car Insurance in Maryland
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Here's what you need to know when driving in Maryland
Across the Old Line State, there are 68,889 miles of road just waiting to be driven. The average car insurance rate in Maryland is $1,305 per year — 15% less than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history.
Read on to learn how much auto insurance costs in Maryland based on these variables, or submit your ZIP code above to receive free quotes from top insurers so you can safely hit the road without breaking the bank.
The best car insurance companies in Maryland
As a highly-rated regional carrier, NJM Insurance scored an 867 on J.D. Power's 2021 Auto Insurance Study.
Erie Insurance placed third with a score of 856 in J.D. Power's 2021 customer satisfaction survey.
The cheapest car insurance companies in Maryland
These companies offer the cheapest rates in the following scenarios.
The cheapest rates are from Travelers at $1,250 annually, or $104 per month.
For the minimum required coverage in Maryland, USAA is cheapest on average.
If you have a DUI on your record, check out Travelers for the cheapest average rates.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Maryland auto insurance laws
Car insurance is mandatory in almost every state, including Maryland. If you choose the legal minimum coverage level in Maryland, expect to pay an average of $655 annually. This expenditure is more expensive than the nationwide average by 22%.
State minimum coverage
In Maryland, drivers are required to carry liability, uninsured and underinsured motorist coverage, and personal injury protection at or above the following minimum levels:
- 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 coverage in Maryland (varies by carrier):
- Loan/Lease Payoff
- Rental Car Reimbursement
- Roadside Assistance
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Maryland, a comprehensive insurance policy with a $1,000 deductible costs $1,199, 83% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 111% more than you would for basic coverage.
Compare car insurance rates from the best companies in Maryland.
Maryland car insurance premiums by rating factor
Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Maryland.
Cheap auto insurance in Maryland for minimum coverage
Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. In Maryland, the average cost for minimum coverage is $55 per month, or $655 yearly — a savings of $725 compared to full coverage.
Cheap auto insurance in Maryland with bad credit
While most states use your credit history in the underwriting process, Maryland has banned the practice. This means that those with a poor credit history do not have to worry about it affecting how much they pay for auto insurance.
Cheap auto insurance in Maryland with an at-fault accident
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $656 per year.
Safe driver discounts
In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.
Cheap auto insurance for young drivers in Maryland
Young drivers between the ages of 16 and 25 pay the most for car insurance across the U.S. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Maryland, teen drivers between the ages of 16 and 19 pay $4,433 per year — which is $2,904 more than the national average and 240% higher than what a 30-year-old Maryland driver would pay.
Maryland auto insurance rate by violation
In Maryland, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average. Car insurance premiums typically increase by 54% after a DUI and 9% after a speeding ticket.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$2,086||3%||$69|
|One comp claim||$2,208||9%||$190|
|Failure to wear a seat belt||$2,214||10%||$196|
|Child safety restraint||$2,244||11%||$227|
|Two Med/PIP claims||$2,245||11%||$228|
|Failure to show documents||$2,299||14%||$282|
|Driving with expired registration||$2,331||16%||$314|
|Driving without lights||$2,381||18%||$364|
|Cell phone violation||$2,406||19%||$389|
|Texting while driving||$2,406||19%||$389|
|Two comp claims||$2,414||20%||$396|
|Speeding 6 - 10 MPH over limit||$2,434||21%||$417|
|Speeding 16 - 20 MPH over limit||$2,435||21%||$418|
|Speeding 11 - 15 MPH over limit||$2,435||21%||$418|
|Driving too slowly||$2,435||21%||$418|
|Following too closely||$2,447||21%||$430|
|Failure to yield||$2,447||21%||$430|
|Wrong way/wrong lane||$2,447||21%||$430|
|Failure to stop at a red light||$2,447||21%||$430|
|Speeding in school zone||$2,462||22%||$445|
|Passing school bus||$2,523||25%||$505|
|At-fault accident - less than $1000||$2,573||28%||$556|
|Operating a vehicle without permission||$2,599||29%||$582|
|Speeding 21 - 25 MPH over limit||$2,637||31%||$620|
|In 65 MPH zone||$2,936||46%||$919|
|At-fault accident - $1000-$2000||$3,017||50%||$1,000|
|At-fault accident - greater than $2000||$3,017||50%||$1,000|
|Driving with a suspended license||$3,657||81%||$1,640|
|Refusal to submit to a chemical test||$3,710||84%||$1,693|
|Leaving scene of an accident/hit and run||$3,781||87%||$1,764|
Maryland DUI laws
In Maryland, a DUI offense can increase your annual car insurance premium by an average of $881. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-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.
There is no car insurer in particular that offers cheap DUI auto insurance. The recommended way to save in the wake of a DUI citation is to shop around.
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 in order to apply for insurance.
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 requirements of the state that first required you to file an SR-22.
Find an affordable policy in Maryland in minutes!
Rates by city
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Leitersburg, Maryland, and the most expensive in Gwynn Oak, Maryland.
Have a look at the table below to see average car insurance costs in some of Maryland biggest cities.
|City||Avg. Annual Premium|
Car insurance price trends in Maryland
In Maryland, average annual auto insurance costs decreased by $131 in the past year. A typical Maryland driver pays an average of $1,305 per year.
The recent pricing trend in Maryland leans toward slightly cheaper car insurance costs. The steepest decrease occurred from 2015 to 2016, while the highest surge took place from 2017 to 2018. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.
|Year||Avg. Annual Premium — Maryland||Yearly Change — Maryland||Avg. Annual Premium — US||Yearly Change — US|
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Maryland car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Maryland auto insurance.
Who 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.
What is the average cost for car insurance in Maryland?
Our data showed the average for car insurance in MD was $ per policy period, or about $ per month.
Why is car insurance so expensive in Maryland?
Car insurance in Maryland is about % more expensive than average. This is due to population size, number of uninsured drivers, and insurance companies' revenue loss via claims.
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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.