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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 personalized quotes from top insurers so you can safely hit the road without breaking the bank.

The best car insurance companies in Maryland

1st place medal
USAA

Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 879 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the state of Maryland.

2nd place medal
NJM

As a highly-rated regional carrier, NJM Insurance scored an 867 on J.D. Power's 2021 Auto Insurance Study.

3rd place medal
Erie Insurance

Erie Insurance placed third with a score of 856 in J.D. Power's 2021 customer satisfaction survey.

Key takeaways
  • Maryland residents pay about 15% less for car insurance on average
  • The cheapest major car insurance company in Maryland is Travelers.

The cheapest car insurance companies in Maryland

These companies offer the cheapest rates in the following scenarios.

medal
Cheapest full coverage insurance: Travelers

The cheapest rates are from Travelers at $1,250 annually, or $104 per month.

medal for most affordable
Cheapest for minimum liability: USAA

For the minimum required coverage in Maryland, USAA is cheapest on average.

Most affordable medal
Cheapest for DUI: Travelers

If you have a DUI on your record, check out Travelers for the cheapest average rates.

Company Avg. Annual Premium
Travelers $1,250
USAA $1,411
GEICO $1,717
Nationwide $1,736
State Farm $2,072
Progressive $2,287
Allstate $2,516
Updated: 09/29/22.

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%. 

For the legal minimum coverage level in Maryland, expect to pay about $655 per year.

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:

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 coverage in Maryland (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Rental Car Reimbursement
  • Roadside Assistance
car with blue windshield

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.

in Maryland, a comprehensive insurance policy with a $1,000 deductible costs $1,199, 83% more than liability-only car insurance

The Zebra's guide to Maryland car insurance laws


Learn more about car insurance requirements in the state of Maryland with our helpful guide.


Compare car insurance rates from the best companies in Maryland.

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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.

Company Avg. Annual Premium
USAA $399
GEICO $444
State Farm $484
Nationwide $644
Progressive $687
Allstate $807
Updated: 09/29/22.

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%.

Company Avg. Annual Premium
Travelers $1,695
USAA $2,222
GEICO $2,368
State Farm $3,062
Nationwide $3,191
Progressive $3,330
Allstate $4,153
Updated: 09/29/22.

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.

Company Avg. Annual Premium
Travelers $3,532
USAA $4,358
GEICO $5,079
Nationwide $7,395
Progressive $7,876
State Farm $8,252
Allstate $9,055
Updated: 09/29/22.

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
None $2,017 0% $0
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
Not-at-fault accident $2,257 12% $240
Failure to show documents $2,299 14% $282
Driving with expired registration $2,331 16% $314
Driving without lights $2,381 18% $364
Texting while driving $2,406 19% $389
Cell phone violation $2,406 19% $389
Two comp claims $2,414 20% $396
Speeding 6 - 10 MPH over limit $2,434 21% $417
Speeding 11 - 15 MPH over limit $2,435 21% $418
Speeding 16 - 20 MPH over limit $2,435 21% $418
Driving too slowly $2,435 21% $418
Failure to stop at a red light $2,447 21% $430
Following too closely $2,447 21% $430
Failure to yield $2,447 21% $430
Wrong way/wrong lane $2,447 21% $430
Illegal turn $2,448 21% $431
Improper passing $2,448 21% $431
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
Open container $2,628 30% $611
Speeding 21 - 25 MPH over limit $2,637 31% $620
In 65 MPH zone $2,936 46% $919
At-fault accident - greater than $2000 $3,017 50% $1,000
At-fault accident - $1000-$2000 $3,017 50% $1,000
Reckless driving $3,445 71% $1,428
Racing $3,627 80% $1,609
Driving with a suspended license $3,657 81% $1,640
Refusal to submit to a chemical test $3,710 84% $1,693
DUI $3,719 84% $1,702
Leaving scene of an accident/hit and run $3,781 87% $1,764
Updated: 09/29/22.

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.

Company Avg. Annual Premium
Travelers $1,849
GEICO $1,870
Allstate $2,625
Progressive $2,897
USAA $3,748
Nationwide $4,014
State Farm $4,671
Updated: 09/29/22.

There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.

Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.

Learn more about car insurance and DUI infractions.

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.

Learn more about SR-22 certificate requirements and how they impact insurance premiums.

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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
Germantown $1,953
Columbia $2,009
Waldorf $2,202
Silver Spring $2,206
Baltimore $2,971
Updated: 09/29/22.

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.

MARYLAND CAR INSURANCE RATE TRENDS
Year Avg. Annual Premium — Maryland Yearly Change — Maryland Avg. Annual Premium — US Yearly Change — US
2021 $1,305 -$131 $1,529 $46
2020 $1,498 $24 $1,483 -$61
2019 $1,412 $67 $1,544 $23
2018 $1,345 $451 $1,521 $84
2017 $1,796 $234 $1,437 $69
2016 $1,562 -$323 $1,368 $88
2015 $1,885 $216 $1,280 $51
2014 $1,669 $155 $1,229 $34
2013 $1,514 -$63 $1,195 -$80
2012 $1,577 $323 $1,276 $82

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? Chevron down icon
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? Chevron down icon
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? Chevron down icon
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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RECENT QUESTIONS

How soon do I have to get my car registered in Florida after I move?

The state of Florida requires that you register a car within 10 days of starting a new job in the state or enrolling a child in school. Your insurance company doesn't care where the vehicle is registered because you have to get insurance before you can register it anyway, so that shouldn't be a problem.
Mar 9, 2017 Margate, FL

Does Oregon offer insurance on rental cars?

There are a couple of things you can do. You can get a non-owners plan that will give you liability coverage and make it legal for you to drive.
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Is this insurance fraud?

Yes, that is fraud. An insurance company needs to know what kind of risk it is being exposed to in order to accurately price the policy.
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If I get in an accident in a company car, can I use my personal insurance for claim?

Hello, Sorry to hear about your accident. In short, no, you cannot use your personal insurance to cover a wreck in a company car.
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Renata Balasco photo
Renata BalascoContent Strategist

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist. Her expertise in property and casualty insurance informs her work in creating expert home and auto insurance guides to educate shoppers. 

Renata previously worked as a content specialist for Lifespan, the largest hospital system in the state of Rhode Island. She holds a bachelor’s degree in French Language and Communications from The University of Rhode Island.

Renata's work has been cited by Car and Driver, The Balance and Fox Business

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 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.