Compare the best rates from 6 car insurance companies in Maryland.
Across the Old Line State, there are 68,889 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | USAA | $939 |
| 2 | Liberty Mutual | $1,103 |
| 3 | Penn National | $1,115 |
| 4 | Erie | $1,138 |
| 5 | State Auto | $1,202 |
| 6 | Amica | $1,321 |
| 7 | MetLife | $1,400 |
| 8 | Nationwide | $1,407 |
| 9 | Travelers | $1,412 |
| 10 | GEICO | $1,457 |
| 11 | Cal Casualty | $1,514 |
| 12 | Allstate | $1,629 |
| 13 | State Farm | $1,663 |
| 14 | Progressive | $2,107 |
| 15 | Dairyland | $2,472 |
| 16 | Encompass | $2,541 |
| 17 | Victoria | $2,993 |
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 much of a rate discount for staying safe on the roads, as a lack of traffic tickets is rewarded by just 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% |
| No Accidents | $549 | 31.49% |
| Good Credit | $983 | 45.16% |
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 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.
| Age | Annual Rate with Parents | Annual Rate Alone |
|---|---|---|
| 16 | $5,409 | $4,853 |
| 17 | $5,168 | $4,072 |
| 18 | $5,199 | $3,532 |
| 19 | $4,483 | $2,807 |
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 |
|---|---|---|
| At-Fault Accident | $1,743 | 31.49% |
| DUI | $1,731 | 30.99% |
| Speeding Violation | $1,356 | 11.89% |
| Bad Credit | $2,178 | 45.16% |
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 A.M. 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 (A.M. Best) |
| Allstate | 3 | Superior |
| Amica | 4 | Superior |
| Cal Casualty | Not Rated | Excellent |
| Encompass | Not Rated | Superior |
| Erie | 5 | Superior |
| GEICO | 3 | Superior |
| Liberty Mutual | 3 | Excellent |
| MetLife | 3 | Superior |
| Nationwide | 4 | Superior |
| Penn National | Not Rated | Excellent |
| Progressive | 3 | Superior |
| State Farm | 3 | Superior |
| Travelers | 3 | Superior |
| USAA | 5 | Superior |
| Victoria | 3 | Superior |
The minimum allowed insurance in Maryland is $30,000 Bodily Injury per person, $60,000 Bodily Injury per accident, and $15,000 Property Damage 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 might 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 |
| Maryland | $648.80 | $1,106.08 | $1,238.67 |
| National Average | $657.66 | $1,241.26 | $1,397.94 |
Liability coverage is legally required in Maryland and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Maryland, the minimum is listed as 30/60/15 and explained below:
Uninsured Motorist coverage is legally required in Maryland and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Maryland, the minimum is listed as 30/60 and explained below:
Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident. In Maryland, minimum PIP coverage of $2,500 per person is required on your policy and is broken up into two options: full or limited. Choosing a limited option provides coverage for children under the age of 16 and pedestrians, but does not offer coverage for the named insured or any household family members 16 or older.
These numbers reflect the minimum limits required in Maryland but higher coverage amounts are available with most companies.
No. Maryland currently is an at-fault state. You are held responsible for any damage you cause in a collision.
Car insurance follows the vehicle in Maryland. If a friend is driving your vehicle and gets into an accident, this would be covered by your insurance coverage.
There is no such thing as out-of-state car insurance. Car insurance is regulated at the state level and priced at the zip code level. To carry insurance assigned to a state in which you don't live puts you at risk of having your claims denied and your coverage dropped.
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 |
|---|---|---|
| 1 | Baltimore | $1,956 |
| 2 | Essex | $1,685 |
| 3 | Woodlawn | $1,641 |
| 4 | Dundalk | $1,520 |
| 5 | Towson | $1,505 |
| 6 | Catonsville | $1,492 |
| 7 | Aspen Hill | $1,491 |
| 8 | Bowie | $1,474 |
| 9 | Waldorf | $1,472 |
| 10 | Glen Burnie | $1,453 |
| 11 | Silver Spring | $1,450 |
| 12 | Rockville | $1,386 |
| 13 | Columbia | $1,368 |
| 14 | Gaithersburg | $1,360 |
| 15 | Ellicott City | $1,355 |
| 16 | Wheaton | $1,348 |
| 17 | Annapolis | $1,312 |
| 18 | North Bethesda | $1,306 |
| 19 | Severn | $1,301 |
| 20 | Potomac | $1,277 |
| 21 | Germantown | $1,262 |
| 22 | Bethesda | $1,230 |
| 23 | Bel Air South | $1,198 |
| 24 | Frederick | $1,127 |
| 25 | Hagerstown | $1,095 |
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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 |
| DUI | $1,814 | 37% | $486 |
| Racing | $2,023 | 52% | $696 |
| Reckless Driving | $1,962 | 48% | $635 |
| Driving with a Suspended License | $1,829 | 38% | $501 |
| At-Fault Accident | $1,876 | 41% | $548 |
| 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 |
| Improper Passing | $1,515 | 14% | $188 |
| Following Too Closely | $1,515 | 14% | $188 |
| Speeding | $1,597 | 20% | $270 |
| Failure to Stop at a Red Light | $1,515 | 14% | $188 |
| Illegal Turn | $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 |
| Distracted Driving | $1,494 | 13% | $167 |
| Driving with Expired Registration | $1,450 | 9% | $122 |
| Failure to Show Documents | $1,450 | 9% | $122 |
| Not-at-Fault Accident | $1,372 | 3% | $45 |
| 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 |
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Maryland area, while also getting an insider view of the Old Line State.
So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.
The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.
Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.
Your original video should not exceed 2 minutes
The video must be hosted on YouTube or Vimeo
Email your submission to scholarships@thezebra.com
your name, address, and phone number when you submit
Selected winner(s) will be awarded a check for $1,000
Applications must be received by 11:59 p.m. CST on December 31st, 2019
Winner(s) will be selected and notified by email by January 31st, 2020
The winner will be selected based on creativity in the content and presentation
*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.
Fine Print
By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.
