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Cheap Auto Insurance Quotes in Maryland (January 2022)
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Last Updated: January 2022
Save on Car Insurance in Little America
From the abundant dune-lined coast of the Chesapeake Bay to the hills of Appalachia, to the forests and farms, The Old Line State is much more than just crabcakes and Utz pretzels (although those are pretty great too). There are almost two million vehicles on the 70,000 miles of roadways of Maryland. With all those cars, it’s essential to have an auto insurance policy that best fits you and your lifestyle. Where do you even begin when it comes to researching car insurance companies? With every insurance company claiming to be the most reliable or the cheapest, how do you mute out the noise and decide on the right fit for you? It all starts with the right tool.
Cheapest Car Insurance in Maryland
Here are the cheapest companies in Maryland for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Maryland.
| Cheapest Companies | |
|---|---|
 State Farm | $69/mo |
 Allstate | $91/mo |
 Travelers | $105/mo |
Progressive | $117/mo |
 Nationwide | $136/mo |
Best Car Insurance in Maryland
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Maryland. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
Nationwide | $136/mo | |
 American Family | $224/mo | |
State Farm | $69/mo | |
Allstate | $91/mo | |
 Liberty Mutual | $170/mo | |
Travelers | $105/mo | |
Progressive | $117/mo |
Car Insurance in Maryland
Auto insurance costs will vary between locations and insurance companies. Insurify analyzed the latest data for the five most populous cities in Maryland to find you the cheapest quotes in each of these metropolitan areas.
Baltimore, Maryland is home to a vibrant community of quirky drivers. Allstate maintains that the city has the worst driving record across all of America's largest cities.
Quotes by Top Companies
Quotes ($/mo)
$185
$197
$277
$300
$327
$392
TravelersState FarmLiberty MutualThe GeneralAmerican FamilyNationwide
Monthly $
| City | Cheapest Company | |
|---|---|---|
| Baltimore |  Travelers | $185/mo |
| Columbia | Travelers | $141/mo |
| Germantown |  State Farm | $96/mo |
| Silver Spring | State Farm | $120/mo |
| Frederick | State Farm | $69/mo |
| Waldorf |  Allstate | $91/mo |
| Glen Burnie | State Farm | $91/mo |
| Gaithersburg | State Farm | $106/mo |
| Rockville | State Farm | $98/mo |
| Ellicott City | State Farm | $95/mo |
| Dundalk | State Farm | $130/mo |
| Bethesda | State Farm | $72/mo |
| Bowie | State Farm | $102/mo |
| Towson | State Farm | $97/mo |
| Potomac | Allstate | $92/mo |
| Annapolis |  SafeAuto | $136/mo |
| Essex | Progressive | $172/mo |
| Fort Washington | Progressive | $133/mo |
| Hagerstown | Progressive | $111/mo |
| Hyattsville | SafeAuto | $182/mo |
| Laurel | SafeAuto | $162/mo |
| Owings Mills | Progressive | $186/mo |
| Parkville | Travelers | $192/mo |
| Pasadena |  Clearcover | $115/mo |
| Upper Marlboro | Progressive | $169/mo |
| Odenton | Travelers | $144/mo |
Cheapest Liability Auto Insurance in Maryland
For drivers in Maryland, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.
To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Maryland. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Maryland.
| Cheapest companies | |
|---|---|
Progressive | $135/mo |
Travelers | $145/mo |
SafeAuto | $149/mo |
 Safeco | $153/mo |
 Clearcover | $182/mo |
Cheapest Full Coverage Auto Insurance in Maryland
For drivers in Maryland, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Maryland. The following are the best insurance rates from carriers that offer full coverage auto insurance in Maryland.
| Cheapest companies | |
|---|---|
Travelers | $196/mo |
Progressive | $200/mo |
Clearcover | $229/mo |
SafeAuto | $242/mo |
Safeco | $242/mo |
Maryland Driving Facts
Minimum Car Insurance Requirements in MD
All motor vehicles operated or parked on Maryland roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability car insurance requirements for private passenger vehicles in Maryland are as follows:
- $30,000 per person/$60,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Maryland state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Maryland law.
- $15,000/accident for Property Damage (PD)
The state minimum amount of property damage liability coverage required in the state of Maryland is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Uninsured and underinsured motorist coverage is required in Maryland. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Maryland, the legally required level of Uninsured Motorist coverage is:
- $30,000 per person/$60,000 per accident for Bodily Injury
- $15,000 per accident for Property Damage
Uninsured/underinsured motorist coverage is recommended in the state of Maryland through the forms of:
- Uninsured/Underinsured Motorist Bodily Injury
- Uninsured Motorist Property Damage
Personal injury protection (PIP) coverage is also required in Maryland. PIP can help cover medical costs after an accident for you and your passengers, regardless of fault. $2,500 is the minimum coverage required by Maryland law.
Cheapest Car Insurance Quotes in Maryland by Profile
Here are the cheapest insurance companies in Maryland based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.
Cheap Car Insurance for Good Drivers
For Maryland drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. State Farm offers the best options for good drivers in Maryland, at $69 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
| Insurance Company | |
|---|---|
State Farm | $69/mo |
Allstate | $91/mo |
Travelers | $105/mo |
Progressive | $117/mo |
Nationwide | $136/mo |
Cheap Car Insurance for Drivers with DUI
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
| Insurance Company | |
|---|---|
Erie | $54/mo |
USAA | $69/mo |
State Farm | $74/mo |
Cheap Car Insurance for Drivers with an At-Fault Accident
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
| Insurance Company | |
|---|---|
USAA | $67/mo |
Erie | $69/mo |
Donegal Mutual | $80/mo |
Cheap Car Insurance for Speeding Drivers
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
| Insurance Company | |
|---|---|
Erie | $54/mo |
USAA | $57/mo |
State Farm | $74/mo |
Cheap Car Insurance for Young Drivers
If you’re under 40 years old in the state of Maryland, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. GEICO offers the cheapest car insurance rates for young drivers, averaging $49 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Maryland 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Marylanders lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
| Insurance Company | |
|---|---|
GEICO | $49/mo |
USAA | $51/mo |
Erie | $56/mo |
Donegal Mutual | $59/mo |
Foremost Signature | $60/mo |
SR-22 Insurance in Maryland
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Maryland on your behalf.
MD DMV Information
The Maryland Motor Vehicle Administration, has outposts around the state in Allegany, Anne Arundel, Baltimore, Calvert, Caroline, Carroll, Cecil, Charles, Dorchester, Frederick, Garrette, Harford, Howard, Kent, Montgomery, Prince George’s, Queen Anne’s, Somerset, St. Mary’s, Talbot, Washington, Wicomico and Worcester. MVA branches operate from 8:30 AM to 4:30 PM, with some special morning and evening hours.
At the MVA, Maryland residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. To save time, the DMV allows individuals to make appointments online. For the shortest wait times, avoid planning your visit on Mondays and Fridays, or during lunch hours.
Regardless of where you live in the Old Line State, an MVA shouldn’t be too far. Maryland residents may be able to skip their visit to the DMV altogether and get what they need through their online portal. Visitors may also utilize the services provided by the Maryland Department of Insurance while visiting their local MVA.
For more detailed rates on specific personas and driving histories, use our Maryland insurance rate resources.
Insurify Insights: How Maryland Drivers Measure Up
Moving Violations Rank
Maryland
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Maryland drivers measure up to their fellow motorists across the United States in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Maryland
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. Among all fifty states, Maryland drivers rank 4 in the number of car accidents per driver.
- Rank of States: #4
- Percent of drivers in Maryland with an accident: 13.28%
- Drivers in MD with an accident in their driving history paid on average 34.54% more than drivers with a clean record
Speeding in Maryland
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Maryland drivers rank 19 in the number of speeding infractions per driver across all fifty states.
- Rank of States: #19
- Percent of drivers in Maryland with a speeding ticket: 10.94%
- Drivers in MD with a speeding ticket in their driving history paid on average 31.33% more than drivers with a clean record
DUI/DWIs in Maryland
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Maryland drivers rank 37 in the number of DUI’s per driver across all fifty states.
- Rank of States: #37
- Percent of drivers in Maryland with a DUI: 1.47%
- Drivers in MD with a DUI in their driving history paid on average 24.5% more than drivers with a clean record
Most Popular Vehicle in Maryland
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Maryland is the Honda Accord.
Rude in Maryland
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Maryland drivers rank 24 in rude driving infractions.
- Rank of States: #24
- Percent of drivers in Maryland with a reckless driving violation: 1.5%
- Drivers in MD with a reckless driving violation in their driving history paid on average 28.92% more than drivers with a clean record.
Safest Drivers in Maryland
Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Maryland drivers rank 39 in clean driving records across all fifty states.
- Rank of States: #39
- Percent of drivers in Maryland with clean record: 78.11%
Street Racing in Maryland
Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Maryland drivers rank 25 in street racing violations per driver.
- Rank of States: #25
- Percent of drivers in Maryland with a street racing violation: --%
Failure to Yield the Right of Way in Maryland
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Maryland drivers rank 41 in failure to yield violations per driver across all fifty states.
- Rank of States: #41
- Percent of drivers in Maryland with a failure to yield violation: 0.26%
- Drivers in MD with a failure to yield violation in their driving history paid on average 28.92% more than drivers with a clean record
Reckless Drivers in Maryland
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. Among all fifty states, Maryland drivers rank 25 in the number of reckless driving offenses per driver.
- Rank of States: #25
- Percent of drivers in Maryland with a reckless driving offense: 0.1%
Hybrid/Electric Vehicle Ownership in Maryland
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Maryland drivers rank 5 in hybrid and electric vehicle ownership across all fifty states.
- Rank of States: #5
- Percent of drivers in Maryland with a hybrid/electric vehicle: 1.64%
Greenest Cities in Maryland
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
The state of Maryland offers many green driver incentives, including federal tax credits, voucher programs, and discounts through some car insurance carriers.
Bethesda
% of Hybrids / Electrics
6%
Most Patriotic City
Baltimore
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Upper Marlboro won Insurify's Most Patriotic Cities Award for the state of Maryland. The diminutive town can trace its history back to the late 1600s, when the area was settled by the first Duke of Marlborough.
Road Statistics
Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Maryland is vital for all car insurance shoppers hitting the road in The Old Line State.
Road Rankings
8%Rural Roads in
Poor Condition
#20
Ranked
8%Structurally Deficient
Rural Bridges
#11
Ranked
1%Fatality Rate per 100M VMT
on Rural Roads
#33
Ranked
FAQs - Maryland Car Insurance
How do I file a claim after a car accident in Maryland?
There’s enough to worry about after a car accident, filing an insurance claim should not be one of them. If you’re ever involved in an accident, first call the police. Having an officer on the scene will ensure a valuable set of eyes sees damage first hand. Seek immediate medical treatment if necessary and exchange contact information with the other driver or drivers involved. Make sure to take photos of the damage to your car and other vehicles involved in the accident. Next, to file an insurance claim, call your provider to inform them you’ve been in an accident. An agent will walk you through your coverage and what steps to take to get yourself back on the road.
What happens if I get caught driving uninsured in Maryland?
You should never drive a vehicle if you’re uninsured. Serious penalties may occur if you’re caught or involved in an accident without insurance. Driving without liability, uninsured motorist, and PIP insurance in Maryland may result in a $2,000 fine, administrative fine fees, and/or up to two years in jail. Plus, your license or driving privileges may be suspended or revoked if you do not meet the minimum requirements mandated by state law and will be required to ap1ply for SR-22 insurance. Uninsured drivers pose dangers to themselves and those around them.
Who has the cheapest car insurance in Maryland?
The best way to get the cheapest car insurance in Maryland and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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