Are Auto Insurance Prices Going Up in Maryland?

The Zebra
May 31, 2019

Most drivers can attest to the fact insurance costs commonly increase each year. But car insurance is complex: justifications for rate hikes and price cuts vary, and may differ based on the driver's location.

One of the primary rating factors insurance companies use to set rates is location. The state, city, and ZIP code in which a car is stored and driven contribute to car insurance rates — a phenomenon that comes down to state law and the differing levels of risk associated with insuring cars in various areas of the country.

Due to the dynamic nature of car insurance pricing, rate trends vary widely by state. Car insurance prices might be increasing year-over-year in a given state while they fall one state over.

See below trending auto insurance rates in Maryland. If your policy isn't following your state's trend, consider shopping for a cheaper insurance option. The Zebra's car insurance comparison tool allows you to get auto insurance rates based on your specific profile — enter your ZIP below to get started.


Auto insurance rate trends in Maryland


In Maryland, average yearly auto insurance premiums went up by $112 from 2017 to 2018. The usual driver in Maryland now pays an average rate of $1,327 per year.

The recent trend in Maryland is leaning toward less expensive car insurance rates. From 2015 to 2018, rates went down by an average of $100 per year. Meanwhile, car insurance rates across the nation have increased steadily in recent years, climbing from $1,280 in 2015 to $1,470 in 2018.


ANNUAL INSURANCE RATE TRENDS IN MARYLAND
YearAvg. Annual Premium — MarylandYearly Change — MarylandAvg. Annual Premium — USYearly Change — US
2018$1,327$112$1,470$32
2017$1,215$100$1,437$69
2016$1,115-$312$1,368$88
2015$1,427$208$1,280$51
2014$1,219-$35$1,229$34
2013$1,254-$127$1,195-$80
2012$1,381$134$1,276$82

If your rates are rising faster than the average in your state, shop around for a better deal.


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How are auto insurance rates changing in the biggest cities in Maryland?


Car insurance prices are set at the local level, with many location-specific variables influencing premiums. That means drivers can see major differences in their car insurance rates, based solely on their ZIP code or city. As an example, drivers in Columbia faced a bigger year-over-year rate increase (2.1%) than their intrastate neighbors in Baltimore (2.1%) between 2018 and 2017.

See below yearly rates of change in the largest cities in Maryland If rates are rising in your city — and moving isn't a feasible option — you can get quotes in an effort to find a lower rate.


CityAvg. Rate Increase — 2018 vs. 2017
Columbia2.1%
Baltimore2.1%
Glen Burnie1.9%
Silver Spring1.5%
Waldorf1.0%

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