Cheap Car Insurance
It's expensive to get car insurance in Maryland!
Dang! Maryland is definitely not one of the cheapest states for car insurance. Don't worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Maryland might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in Maryland?
| 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 | Encompass | $2,541 |
| 16 | Victoria | $2,993 |
Cheap Insurance for Good Drivers in Maryland
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% |
Cheap Insurance for Young Drivers in Maryland
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 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 |
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 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% |
Car Insurance Laws
State minimum insurance requirements in Maryland
In Maryland, the state minimum coverage requirements are as follows:
Liability
- Bodily Injury $30,000 per person
- Bodily Injury $60,000 per accident
- Property Damage $15,000 per accident
Uninsured Motorist
- 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
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:
$30,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
$60,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
$15,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
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:
$30,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured driver.
$60,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured driver if more than one person is hurt.
$15,000 property damage coverage per accident. This is the maximum dollar amount that pays for damage caused to your vehicle by an uninsured driver.
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.
Cheap Maryland Car Insurance Companies
The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Maryland.
Car Insurance FAQs
Are digital insurance cards accepted in Maryland?
What does this mean for you?
If you happen to find yourself pulled over by a police officer in Maryland you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
Do I need uninsured motorist coverage in Maryland?
Uninsured Drivers in Maryland
12%
12%
Did you know?
Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.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.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Baltimore | $1,778 |
| 2 | Woodlawn | $1,641 |
| 3 | Dundalk | $1,520 |
| 4 | Towson | $1,497 |
| 5 | Aspen Hill | $1,449 |
| 6 | Silver Spring | $1,446 |
| 7 | Catonsville | $1,446 |
| 8 | Essex | $1,445 |
| 9 | Bowie | $1,418 |
| 10 | Waldorf | $1,403 |
| 11 | Glen Burnie | $1,356 |
| 12 | Wheaton | $1,348 |
| 13 | Severn | $1,301 |
| 14 | Gaithersburg | $1,291 |
| 15 | Rockville | $1,277 |
| 16 | Germantown | $1,262 |
| 17 | Ellicott City | $1,258 |
| 18 | Columbia | $1,250 |
| 19 | Potomac | $1,249 |
| 20 | Annapolis | $1,243 |
| 21 | North Bethesda | $1,231 |
| 22 | Bethesda | $1,227 |
| 23 | Bel Air South | $1,198 |
| 24 | Frederick | $1,024 |
| 25 | Hagerstown | $1,000 |
Recent Maryland Car Insurance Questions and Answers
Does progressive auto insurance cover house property damage?
I was in an automobile accident and caused damage to a fence and to a side of a house. Does ...
Someone backed car into me who is at fault
Sitting at a red light the guy in front of me drifted back hit my car. He said it was ...
Should I drop collision coverage?
My car is recently paid off, my deductible is $500 and it has 192k miles. I drive 35k miles/year. I ...
Will my insurance premium raise after an uninsured motorist claim?
Someone hit and run my car, resulting in around $1,000 in damage. I have uninsured motorist coverage, how much would ...
Driving Laws
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
Alcohol Related Fatalities
160
Per Year in MarylandAnnual DUI Arrests
Maryland23,714
US Average23,438
DUI Legal Limit
0.08%
Blood Alcohol ContentAverage DUI Cost
10k
Nationally, For First OffendersWhat does this mean for you?
Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.
If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
