Cheap Maryland Car Insurance

Find affordable 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. The Zebra will help you get prepped, then you take the wheel.


 

Affordable car insurance 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 over 20 insurance companies that provide coverage throughout Maryland. Enter your ZIP code below to get started.

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Affordable Maryland auto insurance for good drivers

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$16111.89%
No Accidents$54931.49%
Good Credit$98345.16%

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

The best-rated car insurance companies in Maryland

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 CompanyClaims Satisfaction (J.D. Power)Financial Strength (AM Best)
Allstate3Superior
Amica4Superior
Cal CasualtyNot RatedExcellent
EncompassNot RatedSuperior
Erie5Superior
GEICO3Superior
Liberty Mutual3Excellent
MetLife3Superior
Nationwide4Superior
Penn NationalNot RatedExcellent
Progressive3Superior
State Farm3Superior
Travelers3Superior
USAA5Superior
Victoria3Superior

 

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What car insurance is required in Maryland?

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.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Maryland$648$1,106$1,238
National Average$657$1,241$1,397

 

Maryland auto insurance laws

State-minimum car insurance requirements in Maryland

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

Learn more about car insurance laws in Maryland

Driving laws in Maryland

Maryland texting and driving laws

  • Ban on hand-held cell phones
  • Ban on all cell phones for drivers <18 years old w/ Learner or Provisional License
  • Ban on text messaging for all drivers

Maryland DUI regulations

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:

  • Up to one year in jail
  • Up to $1,000 in fines
  • License revocation for up to six months
  • 12 points added to driving record
  • May be required to use an ignition interlock device

Tickets and auto 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

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Maryland car insurance FAQs

Who actually 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). 

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.

Can my insurance company raise my rates if my credit score gets worse?

Not in Maryland. State law prohibits insurers from increasing rates based on credit history and sets parameters around how insurance companies score customers' credit.

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
2Essex$1,795
3Catonsville$1,600
4Towson$1,598
5Aspen Hill$1,590
6Bowie$1,586
7Waldorf$1,569
8Glen Burnie$1,546
9Silver Spring$1,539
10Columbia$1,473
11Rockville$1,462
12Gaithersburg$1,455
13Ellicott City$1,443
14Potomac$1,395
15Annapolis$1,381
16North Bethesda$1,368
17Bethesda$1,305
18Frederick$1,218
19Hagerstown$1,175

Recent Maryland Car Insurance Questions and Answers

How long can you wait to file an auto insurance claim?

Each state has varying statutes on how long you have after damage occurs to file a claim. In Maryland, you actually have up to 3 years to file a property damage claim, although I would not recommend waiting that long as it can be difficult for your insurance company to properly assess the damage.

Can you get in legal trouble if you hit a parking pole?

Whether or not you could get into hot water legally-speaking depends on a few factors: 1. Was there another party involved in the collision?

Does car insurance cover my passengers?

In the state of Maryland, drivers are required to carry at least $2,500 in PIP coverage, as well as $30,000 per person and $60,000 per accident worth of uninsured motorist coverage in addition to liability. So, if you were hit by another driver and someone in your vehicle suffered injury, the other driver's liability coverage would pay for the injuries suffered inside your vehicle.

Does progressive auto insurance cover house property damage?

Yes, liability will cover damages caused to another car and or property (like a house or fence). Keep in mind, your insurance will only cover up to the limit of your property damage liability.


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.