Cheapest Auto Insurance in Maryland (2024)

Clearcover is the cheapest liability auto insurance company in Maryland, with rates of $76 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 HalachevVice President of Engineering
  • 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 February 14, 2024 at 7:34 AM PST

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The average cost of car insurance in Maryland is $221 per month, or $2,651 per year. Car insurance rates in Maryland are higher than the U.S. national average of $155 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 $166 per month for liability insurance and $276 per month for full coverage.

  • Clearcover is the cheapest full-coverage car insurance company in Maryland, with monthly rates of $133.

  • 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Safeco3.8$162$101Coverage options
USAA4.5$146$106Military members
Clearcover3.2$133$76Fast 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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for coverage options: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
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
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.
$162/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

Significant price increase! Over twenty-two dollars monthly, without any driving changes. No accidents or tickets.

BILLY - December 4, 2023
Verified

Quality price & service.

Emery - September 21, 2023
Verified

They are really patient over the phone, and anytime I can change something on my policy online.

Mildred - August 30, 2023
Verified
Read our Safeco review

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
881
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.
$106/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.
$146/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

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best insurer for fast claims: Clearcover

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.1
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
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.
$76/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.
$133/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

The pricing is good, but the renewal process is a nightmare; calling, chatting, and filling up forms for extended renewal is too much work. Just get Progressive.

BAYRON - July 23, 2023
Verified

I filed a claim with Clearcover last year, and they haven't paid it. Now my policy has gone up by $40 per month.

Catherine - January 14, 2023
Verified

Great service, low price, very helpful staff

Jack - September 12, 2022
Verified
Read our Clearcover review

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 $76 per month for liability insurance

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Cheapest liability-only car insurance in Maryland: Clearcover

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 $166 per month, according to Insurify data.

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

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
Clearcover76
Safeco101
USAA106
GEICO125
Midvale Home & Auto131
Liberty Mutual132
State Farm136
Erie154
Elephant158
Progressive164
Travelers183
CSAA187
Direct Auto196
GAINSCO197
Nationwide227
Allstate243
Bristol West247
State Auto296
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 full-coverage car insurance in Maryland: Clearcover

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 $276 per month for a full-coverage policy, on average. Below are other cheap full-coverage car insurance options in Maryland.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
Clearcover133
USAA146
Safeco162
GEICO174
State Farm188
Travelers211
Erie213
Midvale Home & Auto223
Liberty Mutual223
Progressive227
Elephant241
CSAA248
Direct Auto254
Nationwide294
Allstate337
State Auto442
Bristol West518
GAINSCO519
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.

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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]

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$15,000 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/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist insurance covers your losses if a driver is uninsured or doesn’t have enough insurance to pay for your injuries or property damage.

  • 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 $166 per month for car insurance, on average. But after a speeding ticket, that average rate increases to $216 per month. And a DUI can cause it to jump to $256 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 $108 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Clearcover

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 Clearcover, but here’s how average rates vary among other companies.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean Driving RecordWith Speeding Ticket
Clearcover7698
Safeco101133
USAA106130
GEICO125153
Midvale Home & Auto131170
Liberty Mutual132174
State Farm136164
Erie154205
Elephant158195
Progressive164208
Travelers183228
CSAA187237
Direct Auto196253
GAINSCO197235
Nationwide227281
Allstate243297
Bristol West247307
State Auto296406
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: Clearcover

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 Clearcover, 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: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean Driving RecordWith Accident
Clearcover76119
Safeco101143
USAA106136
GEICO125161
Midvale Home & Auto131183
Liberty Mutual132183
State Farm136173
Erie154213
Elephant158205
Progressive164222
Travelers183238
CSAA187253
Direct Auto196266
GAINSCO197249
Nationwide227295
Allstate243312
Bristol West247316
State Auto296427
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: Clearcover

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: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean Driving RecordWith DUI
Clearcover76117
Safeco101156
USAA106164
GEICO125193
Midvale Home & Auto131203
Liberty Mutual132204
State Farm136210
Erie154212
Elephant158244
Progressive164254
Travelers183283
CSAA187289
Direct Auto196272
GAINSCO197305
Nationwide227351
Allstate243376
Bristol West247382
State Auto296458
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: Clearcover

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 impaired driving abilities and 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: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyLiability OnlyFull Coverage
Clearcover67118
USAA81111
Safeco82131
GEICO94131
State Farm100138
Liberty Mutual103174
Erie110153
Progressive113156
Elephant118181
CSAA137182
Travelers137158
Direct Auto144186
GAINSCO152401
Nationwide162210
Allstate187259
Bristol West189396
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: Clearcover

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: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyLiability OnlyFull Coverage
Clearcover128224
USAA164225
Safeco170273
GEICO183255
Liberty Mutual212358
State Farm218301
Midvale Home & Auto235400
Elephant245374
Erie265366
Progressive277383
CSAA291386
Travelers310357
Direct Auto334433
GAINSCO336884
Nationwide363470
Bristol West384805
Allstate399554
State Auto499745
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 $76

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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 $166 per month for liability insurance and $276 per month for full coverage.

  • Which companies have the cheapest car insurance in Maryland?

    Clearcover, Safeco, and USAA are the cheapest car insurance companies in Maryland, with rates of $76, $101, and $106 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.

Insurify Insights

How Maryland Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Maryland below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Maryland drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in Maryland

#22

State with the Most Speeding Tickets Rank

#21

State with the Moving Violations Rank

#43

State with the Most DUIs Rank

#49

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Maryland is the #6 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #6
    • Percent of drivers in Maryland with an accident: 10.3%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Maryland is the #43 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #43
    • Percent of drivers in Maryland with a DUI: 1%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Maryland is the #47 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #47
    • Percent of drivers in Maryland with a reckless driving offense: 0.8%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Maryland is the #48 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #48
    • Percent of drivers in Maryland with a rude driving violation: 0.9%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Maryland is the #22 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #22
    • Percent of drivers in Maryland with a speeding ticket: 8.8%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Maryland is the #34 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #34
    • Percent of drivers in Maryland with a failure to yield violation: 0.1%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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." Accessed January 19, 2024
  2. U.S. Census Bureau. "Highest Density." Accessed January 19, 2024
  3. Motor Vehicle Administration. "Insurance Requirements for Maryland Vehicles." Accessed January 19, 2024
  4. Zero Deaths Maryland. "Fatal Crash Dashboard." Accessed January 19, 2024
  5. III. "Do auto insurance premiums go up after a claim?." Accessed January 19, 2024
  6. Centers for Disease Control. "Older Adult Drivers." Accessed January 19, 2024
  7. Centers for Disease Control. "Teen Drivers and Passengers: Get the Facts." Accessed January 19, 2024
  8. Maryland Insurance Administration. "Use of Your Credit History for Auto Insurance." Accessed January 19, 2024
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 HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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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