Car Insurance in Maryland
- Travelers offers the cheapest liability coverage in MD at $58/mo.
- Travelers offers the cheapest full coverage in MD at $110/mo.
Enter your ZIP code to start your search for Maryland car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Maryland at the right price.
About The Zebra's recommendations
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Car insurance quotes in Maryland
Maryland's average car insurance rate is $1,420 for a six-month policy — about 22% more expensive than =the national average.[1] But 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 71% 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!
Cheapest full coverage in MD
- Travelers offers the cheapest full coverage in Maryland at $110/mo.
Best customer service in MD
- NJM Insurance Co. scored 721 (9.9% above average) in JD Power's latest study — the highest in Maryland.[3]
Cheapest liability coverage in MD
- Travelers offers the cheapest liability coverage in Maryland at $58/mo.
Cheap full coverage insurance in Maryland
In 2026, the cost of full coverage insurance in Maryland is $1,420 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 56% of our Maryland customers.[2]
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $658 | $110 |
| GEICO | $936 | $156 |
| USAA | $1,066 | $178 |
| Nationwide | $1,158 | $193 |
| State Farm | $1,331 | $222 |
| Erie | $1,428 | $238 |
| Progressive | $1,551 | $258 |
| Encompass | $1,698 | $283 |
| Allstate | $2,061 | $344 |
Source: The Zebra
The Zebra’s auto insurance 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.
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.
Renata Balasco, Insurance writer with 5+ years experience
What are the best car insurance companies in Maryland?
We’ve named NJM Insurance Co. as Maryland's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick.
You've done your research. Let us take it from here
Way to go—this part isn’t easy! We’ll make the next step as simple as we can. Tell us a little more about yourself to start a quote.
Cheap liability insurance in Maryland
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $347 | $58 |
| GEICO | $362 | $60 |
| USAA | $438 | $73 |
| Erie | $615 | $102 |
| Nationwide | $655 | $109 |
| State Farm | $763 | $127 |
| Progressive | $764 | $127 |
| Encompass | $828 | $138 |
| Allstate | $1,107 | $184 |
Source: The Zebra
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| USAA | $438 | $1,066 |
| Travelers | $347 | $658 |
| State Farm | $763 | $1,331 |
| Progressive | $764 | $1,551 |
| Penn National | $791 | $1,761 |
| Nationwide | $655 | $1,158 |
| MetLife | $898 | $1,806 |
| Maryland Auto Insurance Fund | $829 | $2,449 |
| GEICO | $362 | $936 |
| Erie | $615 | $1,428 |
| Encompass | $828 | $1,698 |
| Allstate | $1,107 | $2,061 |
Source: The Zebra
Local insights
Drivers near you in Maryland weigh in
"I left Progressive after they quoted me $210 for minimal coverage on my vehicle. I told them I was storing it while overseas on military orders. Geico quoted me $108."
-Reddit user on r/Maryland
"It's all dependent on your vehicles and demographics and always pays to shop around. State Farm was going to cost me $980 to renew my 6-month policy on two vehicles. Progressive came in at $416 for the exact same levels of coverage, deductible, etc."
-Reddit user on r/Maryland
Compare car insurance rates from the best companies in Maryland.
Car insurance in popular Maryland cities
Car insurance companies calculate your rate based on many factors, including the vehicle's location. Major cities tend to be more expensive, which may not surprise current residents.
The table below shows average car insurance costs in some of Maryland's biggest cities.
Updating data...
Source: The Zebra
Insurance questions? They’ve got answers
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
With a 10-year career in the insurance industry, Jordan brings a wealth of experience in property and casualty insurance. He has experience in both c…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Licensed Insurance Agent — Life, Health and Variable Annuities
- 10+ insurance experience
Katie has worked in the insurance industry for more than 12 years. She started her career in claims with Allstate Insurance, but with a background in…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Licensed Insurance Agent — Life, Accident and Health
- Series 6 License (Investment Company/Variable Contracts Products Limited Representative)
- Series 63 License (Uniform Securities Agent)
- Series 26 License (Investment Company and Variable Contracts Products Principal)
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.
Source: The Zebra
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 greatly. 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.
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.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $1,043 | $174 |
| Travelers | $1,315 | $219 |
| Encompass | $1,548 | $258 |
| Erie | $1,552 | $259 |
| USAA | $2,064 | $344 |
| Allstate | $2,131 | $355 |
| Progressive | $2,292 | $382 |
| Nationwide | $2,781 | $463 |
| State Farm | $3,002 | $500 |
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.
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.
Find an affordable policy in Maryland in minutes!
How have car insurance costs in Maryland changed?
In Maryland, average annual auto insurance costs increased substantially in the past year.
Most of the U.S., including Maryland, has seen increased car insurance costs. 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 — Maryland |
|---|---|
| 2026 | $2,841 |
| 2025 | $2,740 |
| 2024 | $2,129 |
| 2023 | $1,397 |
| 2022 | $2,017 |
| 2021 | $1,305 |
| 2020 | $1,498 |
| 2019 | $1,412 |
| 2018 | $1,345 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
Save money on your next car insurance policy!
Maryland car insurance FAQs
Below, you'll find answers to some of the most commonly asked questions regarding Maryland auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
-
Anonymized User Surveys. The Zebra
-
2025 U.S. Auto Insurance Study. J.D. Power
RECENT QUESTIONS ABOUT CAR INSURANCE IN MD
Can you get in legal trouble if you hit a parking pole?
If I scratched a rental car, can I pay for the paint repair out of pocket?
How does my insurance company handle a claim if I hit a car that was already damaged?
Will my insurance rate increase after an uninsured motorist claim?
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.
