Cheap Maryland Car Insurance

Compare the best rates from 6 car insurance companies in Maryland.

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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. We’ll get you prepped, then you take the wheel.


 

Cheap Car Insurance

What's the cheapest car insurance in Maryland?
RankCompany NameAvg. Annual Premium
1USAA$939
2Liberty Mutual$1,103
3Penn National$1,115
4Erie$1,138
5State Auto$1,202
6Amica$1,321
7MetLife$1,400
8Nationwide$1,407
9Travelers$1,412
10GEICO$1,457
11Cal Casualty$1,514
12Allstate$1,629
13State Farm$1,663
14Progressive$2,107
15Dairyland$2,472
16Encompass$2,541
17Victoria$2,993

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

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.

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%

What are the Best 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 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 CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. 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 is the Best Car Insurance Coverage in Maryland?

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.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Maryland$648.80$1,106.08$1,238.67
National Average$657.66$1,241.26$1,397.94

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.

Maryland Car Insurance FAQs

Is Maryland a no-fault car insurance state?

No. Maryland currently is an at-fault state. You are held responsible for any damage you cause in a collision.

Does insurance follow the car or driver in Maryland?

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.

Can I have out-of-state car insurance in Maryland?

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.

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$1,956
2Essex$1,685
3Woodlawn$1,641
4Dundalk$1,520
5Towson$1,505
6Catonsville$1,492
7Aspen Hill$1,491
8Bowie$1,474
9Waldorf$1,472
10Glen Burnie$1,453
11Silver Spring$1,450
12Rockville$1,386
13Columbia$1,368
14Gaithersburg$1,360
15Ellicott City$1,355
16Wheaton$1,348
17Annapolis$1,312
18North Bethesda$1,306
19Severn$1,301
20Potomac$1,277
21Germantown$1,262
22Bethesda$1,230
23Bel Air South$1,198
24Frederick$1,127
25Hagerstown$1,095

Recent Maryland Car Insurance Questions and Answers

Can I be sued for damages I caused in a rental car?

Hello and thanks for the question. If you have liability insurance, the other party should be collecting from this.

Are car diagnostics covered by the at-fault party?

If the diagnostics are part of your car's repair and the other party is at fault, this expense should be covered by the insurance company. However, this is specific to your claim and you will need to contact the company that's paying for the claim to find out the specifics of what they will cover.

Why won't my insurance recognize or cover Tesla labor rates?

Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.

How do I obtain insurance in the name of the estate?

You can have the driver of the car insure the vehicle in their name since you are planning on selling it. If you were not selling it, the insurance would need to be in the name of the registered owner.


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

Maryland DUI Laws

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

How Do Tickets Impact Maryland Car Insurance Premiums?

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

Maryland Tour Guide Scholarship

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.

Prompt

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.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

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.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

Judges: The Zebra

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.