What's the Average Cost of Car Insurance in Maryland?

The Zebra
Feb. 8, 2019

Car insurance is affordable in Maryland. The average car insurance rate in Maryland is $1,240 per year — less than the US average by 13.1%.

Your auto insurance prices are affected by more than just state lines. Auto insurance premiums price based on myriad considerations, including the insured party's age, credit rating, driving history, gender, and marital status.

We examined average Maryland car insurance rates by all of the major rating factors. See below how much car insurance costs in each location — or enter your zip code to see unique quotes from top car insurance companies.


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Average Maryland auto insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Auto Insurance Expenditure in Maryland by Age Group

It’s a fact of life: as you get older, your auto insurance rates shift. Typically, auto insurance is pricier for young drivers and teens, as auto insurance companies consider newer motorists as more risky.

In Maryland, car insurance costs $4,853 each year for a 16-year-old driver, but only $1,056 annually for a driver between 50 and 59 years of age.


MARYLAND AUTO INSURANCE COSTS BY AGE
AgeAverage Annual Premium
16$4,852.98
17$4,071.53
18$3,531.60
19$2,806.82
20s$1,641.54
30s$1,174.55
40s$1,140.64
50s$1,056.14
60s$1,176.30
70s$1,244.86

If you're facing the pricey prospect of insuring a teen driver, it's worth noting Maryland is the 9th cheapest state in which to purchase car insurance for a 16-year-old.




Average Car Insurance Prices in Maryland by Gender

While gender doesn’t have as large an impact on auto insurance rates as state or experience level, it is employed as a rating factor by auto insurers.


MARYLAND CAR INSURANCE PRICES FOR WOMEN VS. MEN
GenderAverage Annual Rate
Male$1,194.37
Female$1,188.81

If you're worried you aren't getting the best possible value for your money with your present car insurance company, the best option is to compare offerings from a variety of insurance companies.




Average Car Insurance Premiums in Maryland by Marriage Status

One pro of wedlock — in addition to the wedding gifts — is the lower rates you may receive on your auto insurance. In the state of Maryland, married drivers save $22 each year on car insurance. This is less than the national post-wedding price break of $76.


MARYLAND CAR INSURANCE RATES BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,194.37
Married$1,216.16
Divorced$1,194.37
Widowed$1,159.12

Car insurance coverage for divorced drivers in Maryland is the 33rd most expensive in the US. If you feel like you're being overcharged for your auto insurance policy, don't be afraid to shop around. You could find a great policy for less!




Mean Auto Insurance Costs in Maryland by Credit Score

Auto insurance underwriters reference credit score as a way of determining how reliable a prospective customer will be. Historical trends demonstrate motorists who carry excellent credit are usually more reliable auto insurance customers: they less frequently file claims insurance companies have to cover.

In Maryland, a car insurance client who maintains outstanding credit saves $1,082.86 per year on auto insurance, contrasted with a driver saddled with a bad credit score. Read more about how credit history affects car insurance expenses:


MARYLAND AUTO INSURANCE PRICES BY CREDIT TIER
Credit ScoreAverage Annual Rate
Very Poor (300-579)$2,177.73
Fair (580-669)$1,870.59
Good (670-739)$1,508.86
Very Good (740-799)$1,240.97
Exceptional (800-850)$1,094.87

Finding cheap car insurance with a bad credit history can be stressful. But we're here to help. Check out our tips on finding auto insurance with poor credit and save!




Median Car Insurance Prices for Bad Motorists in Maryland

If you are determined to be at fault in an accident or convicted of an on-road offense, your auto insurance rates are bound to climb. The more violations you accumulate, the more costly your car insurance gets.

In Maryland, your first minor at-fault accident results in a penalty of $503.36 each year in auto insurance payments. A DUI or DWI — considered among the most grave driving infractions — will lift your annual car insurance costs in Maryland by an average of $490.71.


MARYLAND AUTO INSURANCE PREMIUMS AFTER TICKETS
AgeAverage Annual Rate
DUI/DWI$1,730.80
Reckless Driving$1,570.64
At-Fault Accident (<$1,000)$1,743.45
At-Fault Accident ($1,000-$2,000)$1,812.42
At-Fault Accident (>$2,000)$1,743.45
Open Container$1,540.03
Speeding (21-25 MPH > limit)$1,530.76
Speeding (16-20 MPH > limit)$1,408.10

If you're facing above-average car insurance payments, it's worth insurance shopping to find inexpensive coverage that covers your vehicle appropriately.




Typical Car Insurance Costs by Coverage Level in Maryland

The amount you pay monthly for auto insurance is dependent on how much coverage you maintain. Liability-only coverage generally costs less, while low-deductible comprehensive coverage costs more. In Maryland, the rate differential between liability-only coverage and full coverage with a $500 deductible is $663.


MARYLAND CAR INSURANCE COSTS BY COVERAGE
Coverage LevelAverage Annual Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$755
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,270
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,415
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$695
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,210
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,355
State Minimum — Liability Only$627
State Minimum — $1,000 Comprehensive/Collision$1,144
State Minimum — $500 Comprehensive/Collision$1,290

If you're facing above-average auto insurance costs, think about policy shopping to find affordable insurance coverage that suits you.


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