Car Insurance for Good Drivers in Maryland

The Zebra
July 15, 2019

Car insurance for good drivers in Maryland

Some of the factors that contribute to your car insurance rates lie beyond your control: your age, location, and gender are common rating factors over which you don’t have much of a say. There are, however, factors you can more easily alter in pursuit of lower rates.

If you're looking for affordable car insurance, try to keep your driving record cleaen, your credit score high, and your monthly mileage low. Insurers provide price cuts to drivers who pose the least risk, so low-risk driving behaviors can lead to a price cut.

See below rates from top companies for low-risk drivers in Maryland.

Car insurance rates for drivers with no citations in Maryland

One way to reduce your auto insurance rates is to avoid tickets and citations. Insurers view safe drivers as less risky customers, in turn charging them less. If you remain on the right side of the law, you could enjoy lower auto insurance rates.

If you're citation-free, start your insurance comparison journey with Erie, offering an average annual premium of $1,382. That comes out to $-486less than the average car insurance rate for drivers without citations in Maryland.

CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN MARYLAND
Insurance CompanyAvg. Annual Auto Insurance Rate
Erie$1,382
State Farm$1,451
Penn National$1,463
USAA$1,684
Allstate$1,851
GEICO$1,943
Nationwide$2,089
Metropolitan$2,129

Car insurance rates for drivers with high credit scores in Maryland

Car insurance companies reward drivers who have above-average credit. Insurers see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If your credit score sits within the "good" tier, your best auto insurance option in Maryland could be Erie, offering average rates of $1,382. If your credit score is even better (in the "excellent" range), Erie might be a smart place to start your search. Erie's prices for clients with credit scores of 800 or better are $69 per year less than the typical car insurance premium for drivers with excellent credit in Maryland.

Find below a breakdown of auto insurance rates in Maryland for drivers with good, very good, and excellent credit scores.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN MARYLAND
Insurance CompanyAvg. Annual Auto Insurance Rate
Erie$1,382
State Farm$1,451
Penn National$1,463
USAA$1,684
Allstate$1,851
GEICO$1,943
Nationwide$2,089
Metropolitan$2,129

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN MARYLAND
Insurance CompanyAvg. Annual Auto Insurance Rate
Erie$1,244
State Farm$1,278
Penn National$1,380
USAA$1,557
Allstate$1,780
GEICO$1,839
Metropolitan$1,925
State Auto$1,926

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN MARYLAND
Insurance CompanyAvg. Annual Auto Insurance Rate
Erie$1,101
State Farm$1,124
Penn National$1,356
USAA$1,440
Allstate$1,594
Metropolitan$1,596
GEICO$1,715
Nationwide$1,863

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Auto insurance for low-mileage drivers in Maryland

The fewer miles you drive, the less likely you are to file an insurance claim. At least that's what car insurance companies think. If you stay under the threshold of 7,500 miles per year or fewer, you could save money on car insurance. Just how much you save by reducing your mileage depends on your insurance company’s pricing practices.

If you're a Maryland driver who drives only infrequently, consider Erie, offering average annual savings of $291 for low-mileage drivers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN MARYLAND
Insurance CompanyAvg. Annual Auto Insurance Rate
Erie$1,187
Penn National$1,276
State Farm$1,305
USAA$1,451
GEICO$1,735
Allstate$1,794
Nationwide$2,089
Metropolitan$2,129

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Car insurance rates for good drivers in Maryland — by city

In addition to varying by state and by insurance company, car insurance rates differ depending on the exact address at which the vehicle is listed. Car insurance companies price policies by the driver’s home ZIP code, adjusting prices for the risk presented by specific locations.

Find below a breakdown of auto insurance rates for drivers with positive rating factors in the biggest cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Columbia$1,884$1,884$1,727$1,554$1,823
Glen Burnie$2,075$2,075$1,904$1,713$2,016
Waldorf$2,111$2,111$1,936$1,743$2,064
Silver Spring$2,120$2,120$1,942$1,749$2,059
Baltimore$2,768$2,768$2,535$2,277$2,644

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