Average Car Insurance Cost in Maryland (2024)
Drivers in Maryland pay $273 per month on average for car insurance.
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Written byLindsay VanSomeren
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated November 21, 2024
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Table of contents
The average cost of car insurance for Maryland drivers is higher than in many other states and the overall national average of $154 per month. Maryland drivers pay $204 for liability insurance and $342 for full-coverage insurance, on average.
The state of Maryland requires drivers to purchase more types of minimum car insurance than most other states, which increases the average cost of car insurance for Maryland drivers.
Here’s what you need to know about car insurance in Maryland, including what affects costs.
Quick Facts
Maryland is in the top 10 most expensive states for car insurance in the U.S.
Maryland residents must carry minimum amounts of liability, uninsured motorist, and personal injury protection (PIP) coverage.[1]
Baltimore residents pay some of the highest average car insurance rates in Maryland, at $387 per month.
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What’s the average cost of car insurance in Maryland?
Most states require residents to purchase a minimum amount of liability coverage in order to drive legally. Maryland is unique because it requires drivers to purchase two other types of coverage in addition to liability coverage: personal injury protection (PIP) and uninsured motorist coverage.[2]
If you finance your car, your lender will usually require you to pay for a full-coverage policy to protect your vehicle. Though full-coverage insurance costs more than minimum coverage, most drivers can benefit from the extra protection it provides.
Here are the average costs of liability and full-coverage insurance from top insurers in Maryland.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| USAA | $101 | $156 |
| GEICO | $120 | $185 |
| State Farm | $130 | $200 |
| Root | $145 | $230 |
| Erie | $148 | $227 |
| Progressive | $157 | $242 |
| Safeco | $158 | $233 |
| CSAA | $172 | $229 |
| Direct Auto | $174 | $351 |
| Travelers | $176 | $270 |
| National General | $191 | $321 |
| Elephant | $192 | $305 |
| GAINSCO | $205 | $486 |
| Allstate | $233 | $358 |
| Bristol West | $249 | $546 |
| Nationwide | $268 | $411 |
| Liberty Mutual | $307 | $422 |
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.
Average Maryland car insurance rates by city
Car insurance typically costs more in urban areas than in suburban and rural areas due to factors like higher rates of crime and car accidents.[3] For example, drivers in Baltimore pay much higher average rates than drivers in less populated cities like Frederick and Silver Spring.
Find average monthly car insurance quotes for different Maryland cities below.
City ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Baltimore | $387 |
| Columbia | $259 |
| Frederick | $206 |
| Silver Spring | $265 |
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.
Average Maryland car insurance rates by age
You can’t change your age, but it can have a big effect on your car insurance rates. Teenage drivers typically pay the highest rates for car insurance because they often take more risks and have less experience driving than older drivers. High-risk drivers pay more for coverage than people without low levels of risk.
Middle-aged drivers typically benefit from lower rates than younger drivers due to a lengthy driving history. Around the age of 70, however, senior drivers may face increased rates as insurers account for aging-related risk factors.[4]
Find average monthly quotes for Maryland drivers by age below.
Rates by Age
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.
How gender affects car insurance rates in Maryland
Your gender can also influence how auto insurers calculate your rates, especially for young drivers.
Male teenagers, in particular, pay 22% more than female teenagers in Maryland. Men tend to demonstrate more of a risk when driving than women, especially young men. About 56% of teen drivers involved in Maryland car accidents were male, according to the Maryland Department of Transportation.[5]
Average rates tend to even out for men and women as they age. Below, you can see how age and gender affect car insurance rates in Maryland.
Age ▲▼ | Male ▲▼ | Female ▲▼ |
|---|---|---|
| 16 | $501 | $410 |
| 35 | $239 | $225 |
| 50 | $189 | $185 |
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.
How your driving record affects car insurance rates in Maryland
One of the most important factors that insurance companies consider when setting your insurance premiums is your driving record. In fact, practicing safe driving habits is one of the best things you can do to earn the cheapest car insurance rates. Maryland drivers with a clean driving record pay much lower rates than drivers with a past incident on their record.
Any driving violations on your record, including speeding tickets, at-fault accidents, or DUIs, can show insurers you pose a greater risk of having an accident or filing a claim. On average, Maryland drivers with an incident on their record pay $348 per month for car insurance.
Compare average monthly quotes by coverage level and driver record below.
Driver Record ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Clean record | $160 | $249 |
| With accident | $229 | $356 |
| With speeding ticket | $214 | $334 |
| With DUI | $248 | $386 |
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
Recent Maryland car insurance prices for Hyundai, Chevrolet, Toyota , and more.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 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 November 21, 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 November 21, 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 November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Average Maryland car insurance rates by marital status
Though it doesn’t have as much of an effect on your auto insurance rates as other factors, insurers do take your marital status into account when determining how much risk you pose. Single drivers often pay a bit more for coverage than married drivers because auto insurers view married drivers as less of a risk to insure.
Married Maryland drivers pay $16 less per month for minimum coverage and $24 less per month for full coverage. Learn more below.
Marital Status ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Married | $146 | $227 |
| Single | $162 | $251 |
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.
Average Maryland car insurance rates by credit tier
Your credit score can also influence your car insurance premium. If you have excellent or good credit, you’ll likely pay less for coverage than drivers with poor credit.
Maryland state law allows car insurance companies to consider your credit-based insurance score when determining premiums.
Credit Tier ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Poor | $248 | $386 |
| Average | $160 | $249 |
| Good | $146 | $227 |
| Excellent | $123 | $192 |
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
Before you start shopping around for an insurance policy, you should decide how much coverage you need. The following information should help you navigate the process of buying car insurance in Maryland.
What is the average cost of auto insurance in Maryland?
The average monthly cost of car insurance in Maryland is $273. Maryland drivers pay $204 per month for liability coverage and $342 for full-coverage car insurance, on average. How much your car insurance coverage costs will depend on a variety of factors, including your traffic violations, type of vehicle, discounts you qualify for, the type of coverage you purchase, and more.
What is the cheapest car insurance in Maryland?
With an average monthly rate of $101 for liability coverage, USAA is the cheapest car insurance company in Maryland. Other cheap insurers include GEICO and State Farm, which have average liability car insurance rates of $120 and $130, respectively. You can find the lowest rates for the amount of coverage you need by comparing quotes from different companies.
Do car insurance rates vary by county in Maryland?
Yes. Average annual rates for coverage will differ by county and even by ZIP code due to variations in population density, crime rates, car accident rates, traffic congestion, and more.
What are the best auto insurance companies in Maryland?
The best car insurance companies in Maryland include USAA, Erie, Travelers, and State Farm. These companies have high financial strength ratings and customer service rankings, making them great options to choose from.
What are the car insurance requirements in Maryland?
Maryland requires all drivers to purchase a minimum of property damage and bodily injury liability insurance, as well as uninsured motorist and personal injury protection (PIP) coverage.
Specific requirements include the following:
$30,000 per person and $60,000 per accident in bodily injury liability
$15,000 per accident in property damage liability
$2,500 in PIP coverage
$30,000 per person and $60,000 per accident in uninsured motorist bodily injury coverage
$15,000 per accident in uninsured motorist property damage 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
- 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
- Maryland Insurance Adminstration. "A Consumer Guide to Auto Insurance."
- Maryland Department of Transportation. "Maryland Approved Vehicle Insurance Companies."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Institute for Highway Safety. "Older drivers."
- Maryland Department of Transportation. "Young Driver Safety."
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Lindsay VanSomeren
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in