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- Car insurance in Maryland averages $73 per month for minimum-coverage policies and $146 each month for full coverage.
- USAA offers the lowest average prices in Maryland for both full and minimum coverage.
- High-risk drivers with at-fault accidents, DUIs, and speeding tickets on their driving records often pay more for Maryland car insurance.
The cheapest car insurance in Maryland typically comes from USAA, which offers an average rate estimate of $35 per month for minimum coverage. GEICO usually has the second-cheapest coverage for Maryland drivers, making it a strong choice for those who don’t qualify for USAA.
Our team considered cost data, coverage choices, customer reviews, and industry reputations to learn which companies offer the best car insurance in Maryland. We’ll break down each provider’s average costs to reveal where you can find high-quality and affordable insurance in the Old Line State.
Best Car Insurance Rates in Maryland
USAA, GEICO, Travelers, and Erie Insurance tend to offer the cheapest auto insurance rates for Maryland drivers. Make sure to get quotes from various providers to determine which company has the lowest prices for your vehicle, though.
- Our researchers used cost data from Quadrant Information Services to find insurance premium estimates for different coverage types, driver profiles, and cities in Maryland. We used this data to determine the cheapest coverage options from quality car insurance providers, and you’ll find details in tables throughout the article.
- To determine an overall rating for each top insurance company, our team considers not only affordability but also industry standing, availability, and coverage options. We then factor in the customer experience and online reviews to establish a numerical rating out of the highest possible score of 5.0.
- Unless stated otherwise, estimates reflect the profile of a 35-year-old driver with a clean driving record and good credit history.
- You’ll find detailed cost estimates in the sections below, but we’ve listed out the cheapest car insurance companies in Maryland for a few driver profiles right here:
- Cheapest full coverage: USAA followed by GEICO
- Cheapest minimum coverage: USAA followed by GEICO
- Cheapest for teen drivers: Travelers followed by GEICO
- Cheapest for drivers with a traffic violation: GEICO followed by Travelers
Cheapest Car Insurance Companies in Maryland
Below, we’ve compiled the auto insurance providers that offer Maryland’s strongest mix of affordable coverage and high-quality plans. While USAA has the Old Line State’s cheapest rates overall, State Farm received the highest score of any company we researched.
| Car Insurance Provider | Overall Rating (Out of 5.0) | Average Monthly Rate: Minimum Coverage | Average Monthly Rate: Full Coverage | Number of Discounts |
| State Farm | 4.7 | $63 | $152 | 12 |
| USAA | 4.6 | $35 | $92 | 13 |
| GEICO | 4.6 | $36 | $99 | 16 |
| Travelers | 4.5 | $49 | $113 | 16 |
| Erie Insurance | 4.4 | $63 | $145 | 6 |
Cheapest Car Insurance Coverage in Maryland
The cheapest car insurance in Maryland will almost certainly be minimum-liability coverage. While this will meet your state’s car insurance requirements, it won’t protect your own vehicle or take care of personal bodily injuries.
Getting a full-coverage auto insurance plan will cover your own car and medical bills instead of only those for other drivers. This will cost significantly more than minimum coverage but could save you money if you get involved in an at-fault accident.
Cheapest Minimum-Liability Car Insurance in Maryland
The average rate estimate for a minimum-coverage policy in Maryland is $73 per month or $876 per year. USAA tends to offer the cheapest minimum-liability policies with estimates of $35 per month or $420 per year.
| Car Insurance Provider | Average Monthly Rate for Minimum Coverage | Average Yearly Rate for Minimum Coverage |
| USAA | $35 | $420 |
| GEICO | $36 | $432 |
| Travelers | $49 | $588 |
| Erie Insurance | $63 | $756 |
| State Farm | $63 | $756 |
| Kemper | $73 | $876 |
| Progressive | $90 | $1,080 |
| Penn National | $97 | $1,164 |
| Nationwide | $104 | $1,248 |
| Allstate | $117 | $1,404 |
Cheapest Full-Coverage Car Insurance in Maryland
In Maryland, the average rate for full-coverage auto insurance is $146 per month or $1,752 per year. Once again, USAA offers the cheapest average estimates for full-coverage insurance at $92 per month or $1,104 per year.
| Car Insurance Provider | Average Monthly Rate for Minimum Coverage | Average Yearly Rate for Minimum Coverage |
| USAA | $92 | $1,104 |
| GEICO | $99 | $1,188 |
| Travelers | $113 | $1,356 |
| Progressive | $142 | $1,704 |
| Erie Insurance | $145 | $1,740 |
| Kemper | $147 | $1,764 |
| State Farm | $152 | $1,824 |
| Penn National | $154 | $1,848 |
| Nationwide | $174 | $2,088 |
| Allstate | $238 | $2,856 |
Maryland Car Insurance Quotes by Driver Profile
Your coverage rates for car insurance in Maryland will likely vary from what’s listed above. That’s because auto insurance companies base individual premiums on several variables. Your age, driving record, and location in Maryland all contribute to what you’ll pay for car insurance.
Cheapest Car Insurance in Maryland: Age
Age is one of the biggest factors in setting the price of car insurance. Young drivers and especially teen drivers typically pay far more for auto coverage than those in other age groups. In the table below, you’ll find the average rate estimates for Maryland drivers of different ages:
| Driver Age | Average Monthly Rate for Minimum Coverage | Average Monthly Rate for Full Coverage |
| 16 | $286 | $603 |
| 25 | $82 | $173 |
| 35 | $73 | $146 |
| 45 | $71 | $140 |
| 55 | $68 | $129 |
Cheapest Car Insurance in Maryland: High-Risk Drivers
Your driving history is another key component in your Maryland auto insurance rates, as those with clean driving records often get cheaper car insurance rates. Any at-fault accidents or traffic violations such as speeding tickets can result in receiving higher premiums.
How much your driving record impacts your monthly cost varies by car insurer. Below is a list of the top insurers in Maryland and their average minimum-coverage rates for good drivers versus those marked as high-risk drivers.
| Car Insurance Provider | Average Monthly Rate for Clean Driving Records | Average Monthly Rate for High-Risk Drivers |
| GEICO | $36 | $48 |
| Travelers | $49 | $63 |
| USAA | $35 | $63 |
| State Farm | $63 | $73 |
| Erie Insurance | $63 | $78 |
| Progressive | $90 | $108 |
| Allstate | $117 | $147 |
| Kemper | $73 | $166 |
| Penn National | $97 | $166 |
| Nationwide | $104 | $178 |
Car Insurance Rates in Maryland: Speeding Ticket
A single speeding ticket can cause your premiums to go up significantly. For Maryland drivers, USAA tends to offer the cheapest car insurance after a speeding ticket with an average rate estimate of $41 per month or $492 per year. GEICO also offers extremely competitive rates for drivers whose recent driving history includes a speeding ticket.
| Car Insurance Provider | Average Monthly Rate After a Speeding Ticket | Average Yearly Rate After a Speeding Ticket |
| USAA | $41 | $492 |
| GEICO | $42 | $504 |
| Travelers | $59 | $708 |
| State Farm | $70 | $840 |
| Erie Insurance | $72 | $864 |
| Progressive | $100 | $1,200 |
| Kemper | $108 | $1,296 |
| Penn National | $119 | $1,428 |
| Allstate | $136 | $1,632 |
| Nationwide | $138 | $1,656 |
Car Insurance Rates in Maryland: At-Fault Accident
Drivers will also likely see higher rates if they’re found at fault for a car accident. GEICO generally offers the cheapest coverage for Maryland drivers with a recent accident, with an average rate estimate of $56 per month or $672 per year. USAA and Travelers have relatively inexpensive coverage for drivers with an at-fault accident as well.
| Car Insurance Provider | Average Monthly Rate After an At-Fault Accident | Average Yearly Rate After an At-Fault Accident |
| GEICO | $56 | $672 |
| USAA | $57 | $684 |
| Travelers | $63 | $756 |
| State Farm | $80 | $960 |
| Erie Insurance | $91 | $1,092 |
| Progressive | $121 | $1,452 |
| Penn National | $144 | $1,728 |
| Nationwide | $175 | $2,100 |
| Kemper | $178 | $2,136 |
| Allstate | $186 | $2,232 |
Car Insurance Rates in Maryland: DUI
A violation for driving under the influence (DUI) can cause auto insurance premiums to skyrocket. For Maryland motorists with a DUI on their record, GEICO offers average estimates of $46 per month or $552 per year. Travelers and State Farm also offer some of the more affordable premiums for these drivers.
| Car Insurance Provider | Average Monthly Rate After a DUI | Average Yearly Rate After a DUI |
| GEICO | $46 | $552 |
| Travelers | $67 | $804 |
| State Farm | $70 | $840 |
| Erie Insurance | $72 | $864 |
| USAA | $91 | $1,092 |
| Progressive | $103 | $1,236 |
| Allstate | $121 | $1,452 |
| Kemper | $210 | $2,520 |
| Nationwide | $221 | $2,652 |
| Penn National | $234 | $2,808 |
Average Cost of Car Insurance in Maryland
The average cost of car insurance in Maryland comes out to $876 per year for minimum-liability insurance and $1,752 annually for full coverage. These rates are about 40% higher than the national average for minimum coverage but 8% less than the national rate for full coverage.
Average Car Insurance Cost in Maryland by City
Where you live in Maryland significantly impacts the auto insurance premiums you’ll be charged. Potential risk factors such as population density, crime rates, and weather patterns vary between ZIP codes, and you can expect car insurance rates to as well. The table below shows the average rates for car insurance in Maryland’s largest cities.
| City in Maryland | Average Monthly Rate for Minimum Coverage | Average Monthly Rate for Full Coverage |
| Baltimore | $109 | $204 |
| Dundalk | $87 | $166 |
| Towson | $80 | $158 |
| Wheaton | $79 | $150 |
| Silver Spring | $78 | $149 |
| Bowie | $76 | $150 |
| Glen Burnie | $73 | $142 |
| Waldorf | $71 | $149 |
| Severn | $71 | $140 |
| Columbia | $70 | $138 |
| Rockville | $70 | $135 |
| Germantown | $69 | $134 |
| Ellicott City | $69 | $138 |
| Gaithersburg | $69 | $135 |
| Bethesda | $64 | $126 |
| Annapolis | $64 | $132 |
| Frederick | $55 | $118 |
| Salisbury | $55 | $120 |
| Hagerstown | $52 | $117 |
| Cumberland | $46 | $112 |
Maryland Minimum Car Insurance Coverage
According to Maryland law, all drivers must either meet or exceed the following minimum coverage requirements:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $15,000 property damage liability per accident
- $30,000 underinsured/uninsured motorist bodily injury coverage per person
- $60,000 underinsured/uninsured motorist bodily injury coverage per accident
- $15,000 underinsured/uninsured motorist property damage coverage per accident
While liability insurance and uninsured motorist coverage are important, they don’t protect against everything. Both insurance agents and experts recommend moving beyond state minimum-coverage car insurance policies. That’s because higher limits could protect you from paying large amounts of money out of pocket after an accident
If you have collision coverage and comprehensive coverage, you’ll be safe from covering repair costs to your own vehicle after thefts, vandalism, a car accident, or severe weather. Other types of coverage such as personal injury protection (PIP) and medical payments coverage (MedPay) could make it easier to cover potential medical bills as well.
Cheap Car Insurance in Maryland: Conclusion
The cheapest car insurance in Maryland often comes from USAA, which has average rates of $35 per month. It’s important to compare auto insurance quotes from various providers, though, to find out if you could receive more affordable coverage elsewhere.
You may also want to consider the protection of a full-coverage policy. The best rates we found for full coverage came in as low as $92 per month from USAA. More coverage generally means higher premiums, but also more financial protection and peace of mind.
Best Car Insurance in Maryland: Recommended Providers
While certain companies are known to offer reasonable premiums to Maryland drivers, you’ll need to get car insurance quotes from various providers to find your best rates. We recommend considering USAA and GEICO as you begin your search for the best auto insurer.
USAA: 4.6 out of 5.0
USAA typically provides the cheapest car insurance in Maryland for both full-coverage and minimum-coverage plans. While the company is known for strong customer service and reasonable premiums, you’ll only qualify if you’re a military member, a veteran, or a family member of one. For those who are eligible, however, USAA may be the best choice.
Keep reading: USAA insurance review
GEICO: 4.6 out of 5.0
The price estimates for GEICO car insurance in Maryland were extremely competitive, nearly matching those from USAA. That, combined with the company’s reputation and financial strength, makes it an excellent option for those seeking coverage in the Old Line State. GEICO is also known to offer plenty of safe driving discounts, with 16 choices for Maryland motorists.
Keep reading: GEICO insurance review
Cheapest Auto Insurance in Maryland: FAQ
You’ll find answers to some of the most frequently asked questions about car insurance in Maryland below.
Which company gives the cheapest car insurance?
State Farm generally offers the cheapest car insurance when it comes to national averages. Drivers in Maryland tend to receive their lowest premiums from USAA and GEICO.
How much is car insurance per month in Maryland?
The average cost of car insurance per month in Maryland is $73 for a minimum-coverage policy and $146 for full coverage. Our team found rates in Maryland as low as $35 per month for minimum coverage and $92 for a full-coverage policy.
How to reduce car insurance in Maryland?
The easiest ways to reduce your car insurance cost in Maryland are by lowering your amounts and types of coverage, increasing your deductible, and seeking out driver discounts. Improving your credit score and bundling coverage with homeowners or renters insurance are other ways to get lower rates over the long term.
How much is car insurance on average in Maryland?
Car insurance in Maryland averages out to $876 per year for minimum coverage and $1,752 annually for full-coverage policies.
Is it illegal to drive without insurance in Maryland?
Yes, it is illegal to drive without insurance in Maryland. Expect to receive a misdemeanor if you’re caught driving without coverage and current registration. It’s possible that you could be fined, lose permission to drive, or even face a short time in prison.
Is it cheaper to pay car insurance every six months or monthly?
You’ll typically get charged less if you pay off your car insurance policy every six months rather than each month. Many auto insurers give discounts for paying policies upfront, though this savings opportunity isn’t universally offered.
Our Methodology
Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.
- Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
- Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
- Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
- Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
- Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
- Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.
*Data accurate at time of publication.
