Cheapest Auto Insurance in Maryland (2025)

The average cost of car insurance in Maryland is $265 per month, or $3,185 per year. Car insurance quotes in Maryland are higher than the U.S. national average of $151 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. Additionally, Maryland has one of the highest population densities in the U.S., which can increase the likelihood of accidents.^[1]

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.

6 of the cheapest car insurance companies in Maryland

Drivers have many options for cheap car insurance in Maryland. But 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 auto coverage in Maryland.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $163/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $166/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $212/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $194/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $213/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $218/mo*
Overall rating 4.9 1,191 reviews	Overall rating 3.4 38 reviews	Overall rating 4.0 6,421 reviews	Overall rating 3.7 161 reviews	Overall rating 3.3 6,895 reviews	Overall rating 4.4 488 reviews
Value for money 4.9/5	Value for money 3.3/5	Value for money 3.8/5	Value for money 3.1/5	Value for money 3.4/5	Value for money 3.9/5
Customer service 4.7/5	Customer service 3.5/5	Customer service 3.9/5	Customer service 3.6/5	Customer service 3.4/5	Customer service 4.0/5
Claims handling 4.9/5	Claims handling 3.5/5	Claims handling 4.1/5	Claims handling 3.4/5	Claims handling 3.5/5	Claims handling 4.0/5
Special highlight AI-generated from 1191 user reviews Members of the military community	Special highlight AI-generated from 38 user reviews Robust mobile app	Special highlight AI-generated from 6421 user reviews Teen drivers	Special highlight AI-generated from 161 user reviews Hard-to-insure drivers	Special highlight AI-generated from 6895 user reviews Competitive rates	Special highlight AI-generated from 488 user reviews Cash back for being claims free

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Safeco

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User Reviews	4.4 488 reviews
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.	8.1 /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.	$183/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.	$253/mo

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Driver Reviews

4.4

Best choiceBased on 865 verified guest reviews and ratings

How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

Reviews (488)

Jerri

June 6, 2025

Verified Review

SAFECO Ins. - Not for Me

WARNING - Stick with whatever payment plan you begin with. I used to pay in full for each six-month policy. Last month I was short, so I paid 72% of my six-month premium on the 6th and tried to pay the balance on the 28th. (Premium for the six months was due on May 1.) They refused the payment and canceled my policy. I had been with them since 2021. No loyalty - no reinstatement, they just sent me a refund less one month! BEWARE - they would not negotiate at all, no renewal. Then they showed I had no insurance and the rate skyrocketed everywhere because when they checked me out online, it said I currently had no insurance!

Pat

May 30, 2025

Verified Review

Not Satisfied

Rates go up each year with no claims.

Thomas

May 22, 2025

Verified Review

Safeco handled my flood damage from Hurricane Ian satisfactorily.

Fine -- just noticed the costs have risen.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.72

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A

Why we picked this company

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

USAA

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User Reviews	4.9 1,191 reviews
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.	9.1 /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.	$142/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.	$184/mo

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Driver Reviews

4.9

Best choiceBased on 2,093 verified guest reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,191)

Marlon

June 15, 2025

Verified Review

Don't let them hook you

Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.

Timothy

June 10, 2025

Verified Review

The Old Bait and Switch

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.

Norman

June 7, 2025

Verified Review

USAA Value

Expensive for coverage.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

881

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

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

Clearcover

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User Reviews	3.4 38 reviews
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.	7.1 /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.	$135/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.	$196/mo

Show Details

Driver Reviews

3.4

A solid optionBased on 55 verified guest reviews and ratings

How drivers feel about Clearcover

Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Robust mobile app

Fast claims process

Competitive pricing

How drivers feel about Clearcover

Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Robust mobile app

Fast claims process

Competitive pricing

Reviews (38)

Jerry

June 12, 2025

Verified Review

They helped me with some relief in getting reliable car insurance coverage

Very good at helping get some insurance.

Mohammad

April 25, 2025

Verified Review

Price Increase for My Two Old Cars

The price for insuring my two old cars increased by 100%.

Ray

December 4, 2024

Verified Review

All Good

Everything is good, no problems.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

4.36

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Maryland drivers looking for a sophisticated digital experience and quick claim payouts may appreciate Clearcover. Using the company’s app, 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

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.

But you can reduce your 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. But 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.

Low-cost car insurance in Maryland

Maryland increased its minimum-required car insurance amounts in 2024, in addition to increasing car registration fees and insurance lapse penalties. The state doesn’t have a program to help low-income drivers find affordable car insurance, making it difficult for drivers to find low-cost car insurance options.

If you’re a Maryland driver looking for affordable car insurance, your best bet is to make sure you’re shopping around every six months and comparing quotes from three to five car insurance companies before buying a policy. Sometimes, switching insurers can save you a lot more than staying with the same company for a loyalty discount.

Get Affordable Car Insurance in Maryland

Rates start at $142 per month for liability insurance

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Cheapest liability-only car insurance quotes 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 $208 per month, according to Insurify data.

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

Cheapest full-coverage car insurance quotes 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 $323 per month for a full-coverage policy, on average. Below are some cheap full-coverage car insurance options in Maryland.

Car insurance requirements in Maryland

Maryland legally requires all drivers to carry car insurance. 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:^[2]

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:

• 

  Collision coverage

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

• 

  Comprehensive coverage

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

• 

  Gap coverage

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

• 

  Roadside assistance coverage

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

• 

  Accident forgiveness coverage

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

• 

  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 companies in Maryland 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 $208 per month for car insurance, on average. But after a speeding ticket, that average rate increases to $233 per month. And a DUI can cause it to jump to $335 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 $163 for drivers with an incident

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Based on 3,806+ reviews

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Cheapest car insurance quotes 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.

Maryland drivers with a speeding ticket pay an average of $233 per month for liability coverage compared to drivers with a clean record, who pay $208.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Speeding Ticket
USAA	$142	$166
CSAA	$154	$182
Progressive	$175	$205
State Farm	$183	$211
Safeco	$183	$220
GEICO	$191	$214
Root	$196	$246
National General	$199	$232
Direct Auto	$204	$240
GAINSCO	$204	$227
Erie	$207	$252
Elephant	$210	$237
Travelers	$246	$291
Bristol West	$250	$296
Allstate	$326	$380
Liberty Mutual	$328	$395
Nationwide	$375	$442

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes for drivers with an at-fault accident: USAA

Maryland reported more than 500 fatal crashes in 2024.^[3] If you cause an accident, you can expect your insurance premium to increase when your policy renews.^[4]

Maryland drivers with an at-fault accident on their record pay average monthly premiums of $245 for liability coverage and $380 for full coverage. The table below lists cheap car insurance companies in Maryland for drivers with an at-fault accident.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Accident
USAA	$142	$174
CSAA	$154	$201
Progressive	$175	$220
State Farm	$183	$222
Safeco	$183	$236
GEICO	$191	$225
Root	$196	$246
National General	$199	$241
Direct Auto	$204	$257
GAINSCO	$204	$242
Erie	$207	$253
Elephant	$210	$255
Travelers	$246	$303
Bristol West	$250	$307
Allstate	$326	$397
Liberty Mutual	$328	$408
Nationwide	$375	$462

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes 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.^[3] 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.

On average, Maryland drivers with a DUI pay $335 per month for liability coverage and $520 for full coverage.

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: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With DUI
USAA	$142	$219
CSAA	$154	$237
Progressive	$175	$270
State Farm	$183	$282
Safeco	$183	$292
GEICO	$191	$308
Root	$196	$302
National General	$199	$307
Direct Auto	$204	$314
GAINSCO	$204	$314
Erie	$207	$319
Elephant	$210	$324
Travelers	$246	$379
Bristol West	$250	$385
Allstate	$326	$502
Liberty Mutual	$328	$505
Nationwide	$375	$578

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes 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.^[5]

Senior drivers in Maryland pay average monthly rates of $179 for liability insurance and $278 for full coverage.

The table below shows cheap car insurance companies for seniors in Maryland.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
USAA	$115	$149
CSAA	$121	$158
Progressive	$128	$184
State Farm	$143	$186
National General	$154	$239
Safeco	$159	$220
Direct Auto	$161	$260
Erie	$162	$210
GEICO	$164	$199
Root	$167	$270
GAINSCO	$171	$407
Elephant	$173	$265
Travelers	$194	$252
Bristol West	$205	$445
Allstate	$265	$344
Liberty Mutual	$275	$348
Nationwide	$284	$369

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes for teens: USAA

Teen drivers typically pay the most expensive car insurance rates. Maryland teens pay $401 per month on average for insurance.

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.^[6]

But 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: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
USAA	$235	$304
CSAA	$239	$310
GEICO	$289	$351
Progressive	$292	$419
Root	$301	$485
State Farm	$313	$405
Elephant	$328	$501
Safeco	$344	$476
GAINSCO	$346	$827
Erie	$354	$461
Direct Auto	$367	$594
National General	$372	$578
Bristol West	$407	$883
Travelers	$440	$570
Liberty Mutual	$535	$677
Allstate	$581	$754
Nationwide	$657	$853

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $142

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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.^[7] When you apply for a policy, the insurance company may check your credit history to help determine your premium. Drivers with good credit usually pay cheaper rates than drivers with poor credit.

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

Car insurance rates across Maryland cities

While car insurance rates across Maryland have gone up because of the state’s new minimum requirements, your rate still heavily depends on the city you live in. This is because each city has a unique set of rating factors, like vehicle crime rates and weather patterns, that influence the probability of you filing a claim.

Maryland car insurance FAQs