Find affordable insurance that works for you in Maryland. Compare quotes from over 100 top companies.
Across the Old Line State, there are 68,889 miles of road just waiting to be driven. The Zebra will help you get prepped, then you take the wheel.
Compare quotes from over 20 insurance companies that provide coverage throughout Maryland. Enter your ZIP code below to get started.
Drivers with good driving records typically enjoy lower car insurance costs 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||$161||11.89%|
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.
|Age||Annual Rate with Parents||Annual Rate Alone|
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 bad 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 Factor||Annual Rate||% Increase|
Every car insurance company highlights its cheap prices. But as with any service, the cheapest 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.
Review major insurance companies' financial strength and claims satisfaction ratings to better predict the level of service you will receive. Claims satisfaction — assigned by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by AM Best and varying from "Superior" to "Poor" — measures an insurer's financial strength and ability to meet its policy and contractual obligations.
|Insurance Company||Claims Satisfaction (J.D. Power)||Financial Strength (AM Best)|
|Cal Casualty||Not Rated||Excellent|
|Penn National||Not Rated||Excellent|
The minimum allowed insurance in Maryland is $30,000 bodily injury liability coverage per person, $60,000 bodily injury per accident, and $15,000 property damage liability per accident.
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.
Compare typical prices for basic, better, and best coverage levels below.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
In Maryland, drivers are required to carry liability, uninsured and underinsured motorist coverage, and personal injury protection at or above the following minimum levels:
The lookback period in Maryland is five years. Multiple DUI offenses lead to enhanced penalties. Penalties are also increased for transporting a minor at the time of DUI or for a BAC of 0.15% or higher.
First-time DUI offenses in Maryland lead to:
When you receive a ticket your auto insurance rates will probably go up. By how much depends on the violation, your insurer's pricing standards, and differences in local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at average car insurance rates in Maryland after a few common citations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$2,038||53%||$710|
|Refused Breathalyzer/Chemical Test||$1,814||37%||$486|
|Driving with a Suspended License||$1,829||38%||$501|
|Driving with an Open Container||$1,719||29%||$391|
|Operating a Vehicle Without Permission||$1,515||14%||$188|
|Passing a School Bus||$1,562||18%||$235|
|Following Too Closely||$1,515||14%||$188|
|Failure to Stop at a Red Light||$1,515||14%||$188|
|Driving Wrong Way/Wrong Lane||$1,476||11%||$148|
|Failure to Yield||$1,515||14%||$188|
|Speeding in a School Zone||$1,515||14%||$188|
|Driving Too Slowly||$1,515||14%||$188|
|Driving with Expired Registration||$1,450||9%||$122|
|Failure to Show Documents||$1,450||9%||$122|
|Failure to Use Child Safety Restraint||$1,391||5%||$63|
|Failure to Wear a Seat Belt||$1,351||2%||$24|
|Driving Without Lights||$1,453||9%||$125|
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 your vehicle is driven or parked on public roads, you legally need to carry insurance at or more than Maryland's liability limits.
Not in Maryland. State law prohibits insurers from increasing rates based on credit history and sets parameters around how insurance companies score customers' credit.
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.
|Rank||City||Avg. Annual Premium|