Cheapest Auto Insurance in Maryland (2024)

USAA is the cheapest liability auto insurance company in Maryland, with rates of $101 per month.

Elizabeth Rivelli
Elizabeth Rivelli
  • 5+ years writing insurance and personal finance topics

  • Auto, home, health, and life insurance expertise

Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated October 30, 2024

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Cheapest recent rates in Maryland

Drivers in and around Maryland have found policies from Root, National General, Allstate, and more, through Insurify in the last few days.

*Quotes generated for Insurify users from Maryland within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Maryland within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average cost of car insurance in Maryland is $272 per month, or $3,260 per year. Car insurance rates in Maryland are higher than the U.S. national average of $158 per month.

Because Maryland’s coastal location makes it prone to tropical storms and flooding, car insurance companies charge drivers more for coverage to offset the higher risk.[1] Additionally, Maryland has one of the highest population densities in the U.S., which can increase the likelihood of accidents.[2]

Here’s what you need to know about getting cheap car insurance in Maryland and how to compare quotes to find the best deal for your needs.

Quick Facts
  • On average, Maryland drivers pay $195 per month for liability insurance and $348 per month for full coverage.

  • USAA is the cheapest full-coverage car insurance company in Maryland, with monthly rates of $154.

  • The minimum liability coverage requirements in Maryland are 30/60/15.[3]

3 of the cheapest car insurance companies in Maryland

Drivers have many options for cheap car insurance in Maryland. However, the best auto insurance in Maryland is different for every driver. The right insurer for you will depend on your individual situation, coverage needs, and budget.

Below are three of the cheapest options for affordable auto coverage in Maryland.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best for
Safeco8.3$182$130Coverage options
USAA9.4$154$101Military members
Clearcover6.8$126N/AFast claims
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for coverage options: Safeco

Compare personalized, real-time quotes
User Reviews
3.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$130/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$182/mo

Maryland drivers who want to customize their auto insurance policy with add-on coverages should consider Safeco. The company offers various coverage options, including roadside assistance, new-vehicle replacement coverage, accident forgiveness, and diminishing deductible.

Safeco customers also get access to its guaranteed repair network. If your car needs repairs after a claim, the company guarantees repairs that meet industry standards under Safeco’s President’s Guarantee.

Pros
  • Customizable coverage options

  • Guaranteed repair network

Cons
  • Fewer discounts than other insurers

  • Below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region

Read more driver reviews of Safeco
Barbara - October 28, 2024
Verified

Insurance Keeps Going Up

Please stop raising prices.

Carlotta - October 24, 2024
Verified

Excellent

They handled everything very smoothly.

Shirley - October 22, 2024
Verified

My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.

My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.

Best insurer for military members: USAA

Compare personalized, real-time quotes
User Reviews
3.6
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$101/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$154/mo

With more than 345,000 veterans and 13 military bases across the state, many drivers in Maryland can qualify for USAA car insurance. USAA exclusively sells car insurance to active-duty and retired military members and their spouses and children.

The company is known for its low rates and excellent discounts, including several discounts for military personnel. USAA also consistently receives the highest third-party ratings for overall customer satisfaction, claims satisfaction, and financial strength.

Pros
  • Excellent car insurance discounts

  • Highest third-party ratings in most categories

Cons
  • Only available to eligible military members and family

  • Few endorsements

Read more driver reviews of USAA
Kent - October 29, 2024
Verified

Excellent

The insurance is a bit high.

Dorothy - October 29, 2024
Verified

Significant Increase in Policy Payment

Be cautious not to have an accident, as my policy payment increased by $300 a month.

Martin - October 29, 2024
Verified

My Opinion

They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.

Best insurer for fast claims: Clearcover

Compare personalized, real-time quotes
User Reviews
3.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
6.8/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$94/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$179/mo

Clearcover stands out for its fast and efficient claims-handling process. You can file a claim for vehicle damage from your smartphone. Clearcover uses AI technology to analyze photos of the damage and can issue payment for eligible claims in minutes.

According to the company, most claims are paid in less than a week. Clearcover is a digital insurance company, so you must purchase your policy online or through the mobile app. You can chat with an agent if you need assistance.

Pros
  • Fast claim payouts

  • Highly rated mobile app for Apple and Android devices

Cons
  • No in-person agents

  • Limited discounts

Read more driver reviews of Clearcover
Catherine - October 22, 2024
Verified

Great Customer Service

My premium increased by $70 due to an auto accident.

Brett - October 12, 2024
Verified

Unexpected Rate Increases

Everything was fine until they started to increase my rates, despite having no claims, DUIs, or moving violations. My driving record is clean, I'm almost 63 years old, and yet my rate keeps going up. It seems like there might be some price gouging in the insurance industry. The reason I decided to switch to Clearcover was because they offered me the best rate at that time. However, since then, my rate has only increased. It should be dropping, not going up.

Richard - October 7, 2024
Verified

T.B.

Too expensive for me.

How to get the cheapest car insurance in Maryland

Car insurance premiums are different for every driver. Factors like your age, credit score, ZIP code, gender, and vehicle type can all affect your personalized premiums.

However, Maryland drivers can reduce their car insurance premiums in the following ways:

  • Choose high deductibles. For policies that require a deductible — such as collision insurance and comprehensive insurance — selecting a higher deductible will lower your monthly premium. However, make sure you can afford a higher deductible if you need to file a claim.

  • Look for discounts. Most Maryland car insurance companies offer discounts that can reduce your insurance costs. Every insurer has different discounts, but some common ones are good student discounts, defensive driving course discounts, payment discounts, and safe vehicle discounts.

  • Bundle your policies. Purchasing two or more insurance policies from the same company, like car insurance and home insurance, can help you qualify for a bundling discount.

  • Shop around. The cost of car insurance will differ among insurance companies. To find the most affordable car insurance in Maryland for your situation, shop around and compare personalized quotes from several insurance companies.

Get Affordable Car Insurance in Maryland

Rates start at $101 per month for liability insurance

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Cheapest liability-only car insurance in Maryland: USAA

Maryland requires liability-only car insurance for all drivers. It covers your financial responsibilities when you injure someone else or damage their property in an accident you cause. Liability-only insurance doesn’t provide any coverage for your injuries or vehicle damages.

Liability-only policies in Maryland cost an average of $195 per month, according to Insurify data.

The table below shows the cheapest car insurance in Maryland for liability-only coverage.

10 cheapest insurers for liability-only

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Maryland: USAA

Full-coverage car insurance provides more protection than minimum coverage. A typical full-coverage policy usually includes liability insurance, collision insurance, and comprehensive insurance.

Full coverage is optional for most Maryland drivers, but you may need it if you lease or finance your vehicle. Even if you own your vehicle, full coverage is a good idea if you drive a high-value or specialty vehicle.

Maryland drivers pay $348 per month for a full-coverage policy, on average. Below are other cheap full-coverage car insurance options in Maryland.

10 cheapest insurers for full coverage

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates in Maryland

Drivers in and around Maryland have found policies from Safeco, National General, GEICO, and more, through Insurify in the last few days.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Maryland

Car insurance is a legal requirement for all drivers in Maryland. Maryland is an at-fault state, which means the driver responsible for causing an accident must compensate others for their bodily injuries and property damages, usually through their liability coverage.

Drivers must carry liability insurance with coverage limits of at least 30/60/15. Here’s what those numbers translate to:[3]

Coverage
Minimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$15,000 per accident
Uninsured/underinsured $30,000 per person/$60,000 per accident

In addition to the required coverages, many Maryland drivers can also benefit from endorsements. These optional coverages fill gaps in your standard policy. Below are some of the most common additional coverages available in Maryland, depending on your insurance company:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers your vehicle repairs after you hit a stationary object or another vehicle, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance pays for vehicle damages from non-collision events, like severe weather, falling objects, theft, and vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap insurance pays the difference between a lease or auto loan balance and insurance settlement if your insurance company totals your vehicle.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance covers the cost of basic roadside repairs, like flat-tire changes, new batteries, fuel delivery, and towing.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Accident forgiveness coverage

    With accident forgiveness, your car insurance premium won’t go up after your first at-fault accident.

Types of Car Insurance Coverage

Types of Car Insurance Coverage

  • illustration card https://a.storyblok.com/f/162273/150x150/3ee7c71fef/states_maryland.svg

    Maryland Auto Insurance

    If car insurance companies in Maryland deny you coverage, you can get guaranteed coverage through Maryland Auto Insurance.

    This program, formally known as the Maryland Auto Insurance Fund (MAIF), insures drivers who can’t get car insurance through the private market due to their credit score, lapses in coverage, or similar issues. Maryland Auto Insurance provides state-minimum and full-coverage policies, as well as several add-ons, including rental car coverage and towing insurance.

Cheapest car insurance for drivers with an incident

Car insurance companies usually consider drivers with incidents on their record as high-risk drivers. If you have incidents such as speeding tickets or at-fault accidents, you’ll probably pay more for car insurance than someone with a clean record. More serious violations, such as driving under the influence (DUI) convictions, usually have the biggest effect on rates.

For example, people with a clean driving record in Maryland pay $195 per month for car insurance, on average. But after a speeding ticket, that average rate increases to $255 per month. And a DUI can cause it to jump to $301 per month.

These increases in premiums after driving infractions and violations are why it’s important to always drive safely and obey traffic laws.

Shop for Car Insurance in Maryland

Monthly rates start at $124 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: USAA

While speeding is often a minor offense, getting a speeding ticket can affect your car insurance premium. If you get a speeding ticket, you might see your insurance premium increase when the policy renews.

The cheapest insurance company for drivers with a speeding ticket in Maryland is USAA, but here’s how average rates vary among other companies.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Clean Driving Record
With Speeding Ticket
USAA$101$125
GEICO$120$149
Safeco$130$164
State Farm$130$160
Erie$148$189
Progressive$157$195
CSAA$174$222
Travelers$176$221
Direct Auto$179$222
Elephant$180$243
National General$186$233
GAINSCO$207$280
Allstate$233$290
Bristol West$250$311
Nationwide$268$337
Liberty Mutual$270$365
State Auto$440$597
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: USAA

Maryland reported more than 500 fatal crashes in 2023.[4] If you cause an accident, you can expect your insurance premium to increase when your policy renews.[5]

Drivers with an accident on their record can still find affordable rates — starting with USAA, which has the cheapest rates in Maryland. Other cheap car insurance companies in Maryland for drivers with an at-fault accident are listed below.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Clean Driving Record
With Accident
USAA$101$131
GEICO$120$157
Safeco$130$165
State Farm$130$168
Erie$148$197
Progressive$157$207
CSAA$174$236
Travelers$176$231
Direct Auto$179$238
Elephant$180$229
National General$186$244
GAINSCO$207$258
Allstate$233$303
Bristol West$250$323
Nationwide$268$352
Liberty Mutual$270$377
State Auto$440$629
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: USAA

A DUI is one of the most serious violations, and more than 100 fatal crashes in Maryland involved impairment in 2023.[4] If you have a DUI conviction on your record, your car insurance premiums will likely increase significantly. Depending on the situation, your insurance company could even refuse to renew your policy.

Although you can expect a big rate increase after getting a DUI, some insurers have lower rates than others. Below are the cheapest car insurance companies in Maryland for drivers with a DUI on their record.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Clean Driving Record
With DUI
USAA$101$161
GEICO$120$192
Safeco$130$208
State Farm$130$208
Erie$148$236
Progressive$157$251
CSAA$174$278
Travelers$176$281
Direct Auto$179$286
Elephant$180$287
National General$186$297
GAINSCO$207$330
Allstate$233$372
Bristol West$250$399
Nationwide$268$428
Liberty Mutual$270$431
State Auto$440$702
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: USAA

Senior drivers typically pay more expensive car insurance rates than middle-aged adults. For most drivers, car insurance rates decrease around age 35 and increase around age 70. Older people may have changes to driving abilities, and they have higher crash rates than drivers in younger age groups.[6]

The table below shows cheap car insurance companies for seniors in Maryland for liability-only coverage and full coverage.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Liability Only
Full Coverage
USAA$81$123
GEICO$96$146
State Farm$101$154
Safeco$109$153
Erie$111$169
Progressive$112$171
CSAA$134$182
Travelers$138$209
Direct Auto$139$277
National General$143$248
Elephant$146$237
GAINSCO$173$411
Allstate$187$284
Nationwide$200$303
Bristol West$200$434
Liberty Mutual$225$352
State Auto$334$418
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: USAA

Teen drivers typically pay the most expensive car insurance rates. Drivers ages 16 to 19 have a higher accident rate than any other age group. Young drivers are also more likely to make critical driving errors that can result in collisions.[7]

However, teen drivers can reduce their car insurance premiums in a few ways. For example, teens who stay insured on a parent’s policy pay significantly less than getting their own policy. Additionally, many insurers offer discounts for smart students, taking a defensive driving course, and insuring a safe vehicle.

Teen drivers shopping for auto insurance should compare rates from several insurers. These are the cheapest car insurance companies for teens in Maryland for minimum coverage and full coverage.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Liability Only
Full Coverage
USAA$158$241
GEICO$178$271
State Farm$208$317
Erie$234$354
Safeco$246$345
CSAA$264$359
Progressive$264$401
Elephant$276$449
Travelers$300$454
Direct Auto$308$610
GAINSCO$340$807
National General$347$605
Allstate$388$589
Bristol West$397$863
Nationwide$436$660
Liberty Mutual$450$706
State Auto$737$921
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Maryland

Monthly liability rates start at $101

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Based on 3,806+ reviews
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Maryland car insurance quotes by credit tier

In Maryland, car insurance companies can use credit-based insurance scores when underwriting policies.[8] When you apply for a policy, the insurance company may check your credit history to help determine your premium. Drivers with good credit scores usually pay cheaper rates than drivers with poor credit scores.

Here’s how credit scores affect average rates in Maryland.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Maryland car insurance FAQs

Learn about quote-comparison sites to help you shop for car insurance, and check out the answers to common questions about auto coverage in Maryland below.

  • How much is car insurance in Maryland?

    The average cost of car insurance in Maryland is $195 per month for liability insurance and $348 per month for full coverage.

  • Which companies have the cheapest car insurance in Maryland?

    USAA, GEICO, and Safeco are the cheapest car insurance companies in Maryland, with rates of $101, $120, and $130 per month, respectively.

    The best way to find the cheapest rates for your situation is to compare quotes from at least three car insurance companies. This way, you can see which company offers you the lowest rates for the coverage you need.

  • What are the best car insurance companies in Maryland?

    Some of the best car insurance companies in Maryland include Safeco, Clearcover, and USAA. These insurers have solid coverage options, plenty of discounts, and high Insurify Quality (IQ) Scores.

  • Why is car insurance so high in Maryland?

    Car insurance might be expensive in Maryland due to its coastal location, which puts it at risk for tropical storms and hurricanes, and because of its dense population, which can increase the risk of car accidents.[1] [2]

  • What is the minimum required car insurance in Maryland?

    Maryland requires drivers to carry 30/60/15 minimum car insurance limits. This translates to $30,000 per person and $60,000 per accident for bodily injury liability coverage and $15,000 per accident for property damage liability coverage.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Maryland State Climatologist Office. "Hurricanes."
  2. U.S. Census Bureau. "Highest Density."
  3. Motor Vehicle Administration. "Insurance Requirements for Maryland Vehicles."
  4. Zero Deaths Maryland. "Fatal Crash Dashboard."
  5. III. "Do auto insurance premiums go up after a claim?."
  6. Centers for Disease Control. "Older Adult Drivers."
  7. Centers for Disease Control. "Teen Drivers and Passengers: Get the Facts."
  8. Maryland Insurance Administration. "Use of Your Credit History for Auto Insurance."
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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