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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
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.
Here are the cheapest carriers 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 | Quotes |
|---|---|
 State Farm | $69/mo |
 Allstate | $91/mo |
 Travelers | $105/mo |
 Progressive | $117/mo |
 Nationwide | $136/mo |
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 carrier reviews. The following are the top rated carriers that offer car insurance in Maryland. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Quotes | |
|---|---|---|
Nationwide | $136/mo | |
 American Family | $224/mo | |
State Farm | $69/mo | |
Allstate | $91/mo | |
 Liberty Mutual | $170/mo | |
Travelers | $105/mo | |
Progressive | $117/mo |
Auto insurance costs will vary between locations and insurance carriers. 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.
| City | Cheapest Carrier | Quote |
|---|---|---|
| Baltimore |  Travelers | $185/mo |
| Columbia |  State Farm | $87/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 |
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:
The minimum liability car insurance requirements for private passenger vehicles in Maryland are as follows:
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.
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:
Uninsured/underinsured motorist coverage is recommended in the state of Maryland through the forms of:
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.
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.
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 | Quote |
|---|---|
State Farm | $69/mo |
Allstate | $91/mo |
Travelers | $105/mo |
Progressive | $117/mo |
Nationwide | $136/mo |
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 | Quote |
|---|---|
Erie | $54/mo |
USAA | $69/mo |
State Farm | $74/mo |
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.
| Insurance Company | Quote |
|---|---|
USAA | $67/mo |
Erie | $69/mo |
Donegal Mutual | $80/mo |
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 | Quote |
|---|---|
Erie | $54/mo |
USAA | $57/mo |
State Farm | $74/mo |
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 | Quote |
|---|---|
GEICO | $49/mo |
USAA | $51/mo |
Erie | $56/mo |
Donegal Mutual | $59/mo |
MetLife | $60/mo |
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.
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.
Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
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.
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.
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.
