Average Car Insurance Cost in Maryland (2024)

The average cost of car insurance for Maryland drivers is higher than in many other states and the overall national average of $158 per month. Maryland drivers pay $195 for liability insurance and $348 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.

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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.

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.

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.

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.

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 $354 per month for car insurance.

Compare average monthly quotes by coverage level and driver record below.

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.

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.

Maryland car insurance FAQs