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

The Zebra
Oct. 11, 2018

Auto insurance is generally inexpensive in Maryland. The average auto insurance premium in Maryland is $1,240 per year — 13.1% less than the US average.

Your auto insurance prices are dictated by factors other than location. Car insurance premiums consider myriad components, including your credit score, driving record, age, gender, and marital status.

We analyzed average Maryland auto insurance premiums by all of the major rating factors. See below how much car insurance costs in your state — or submit your zip code to view unique quotes from popular auto insurance companies.


Average Car Insurance Premiums in Maryland by Age

It's unavoidable: as you grow older, your car insurance prices shift. As a general rule, auto insurance is more expensive for young drivers and teens, as car insurers see newer drivers as more risky.

In Maryland, auto insurance costs $4,853 each year for a 16-year-old driver, and only $1,056 per annum for a client between 50 and 59 years of age.


MARYLAND CAR INSURANCE PRICES BY AGE
Age Average Annual Rate
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



Average Auto Insurance Premiums in Maryland by Gender

While gender doesn’t have as sizable an impact on car insurance costs as a driver's location or age, it is utilized as a rating factor. Women pay less than do men for auto insurance in Maryland, but the disparity is only $5.56 annually.

MARYLAND AUTO INSURANCE RATES BY GENDER
Gender Average Annual Rate
Male $1,194.37
Female $1,188.81



Mean Auto Insurance Premiums in Maryland by Marital Status

One pro of wedlock — in addition to the honeymoon — is the improved deal you tend to receive on auto insurance. In Maryland, wedded motorists save $22 each year on car insurance. This is less than the US post-wedding price cut of $76.


MARYLAND CAR INSURANCE COSTS BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,194.37
Married $1,216.16
Divorced $1,194.37
Widowed $1,159.12



Average Car Insurance Prices in Maryland by Credit

Car insurance companies utilize credit history to gauge a potential customer's insurability. Data trends demonstrate drivers who hold superior credit are usually more dependable auto insurance customers: they less frequently file claims that insurance companies must repay.

In Maryland, a driver who carries exceptional credit saves $1,082.86 each year on car insurance, compared to a driver who has a low credit history. Learn more about how credit can impact car insurance prices:


MARYLAND CAR INSURANCE PRICES BY CREDIT TIER
Credit Level Average Yearly 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



Median Car Insurance Premiums for Bad Drivers in Maryland

If you’re defined as at fault in a car crash or found guilty of a driving violation, your insurance costs are bound to climb. The more red flags you rack up, the more costly your auto insurance becomes.

In Maryland, your first minor at-fault accident leads to a penalty of $503.36 each year in auto insurance premiums. A DUI — among the most serious vehicular offenses — could boost your annual car insurance costs in Maryland by an average of $490.71.


MARYLAND AUTO INSURANCE PREMIUMS WITH VIOLATIONS
Age Average Annual Rate
DUI or 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 costs, consider getting quotes to find affordable coverage that suits your needs.


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