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Maryland Average Cost of Car Insurance Rates (2022)

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Courtney Roy

By: Courtney Roy

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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How Much Does Car Insurance Cost In Maryland?

On average, car insurance rates for drivers in Maryland are $317 per month, and $3807 per year. The average rates make Maryland the 7th most expensive state in the country for car insurance rates and 30% more expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $31750%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Maryland Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Maryland and has selected the following providers and quotes as the best rates for drivers in Maryland.

Cheapest CompaniesQuotes
State Farm$69
Allstate$91
Travelers$105
Progressive$117
Nationwide$136

Maryland Car Insurance Rates by City

For drivers in Maryland, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Maryland.

CityAvg. Monthly Rate
Baltimore$373
Bowie$264
Columbia$255
Frederick$195
Gaithersburg$233
Hyattsville$293
Laurel$268
Rockville$207
Silver Spring$248
Upper Marlboro$285

What Is the Average Cost of Car Insurance in Maryland by Age?

Teenagers face stratospheric average rates for car insurance in Maryland, paying $547 per month on average. Twentysomethings see a $175 price cut as their driving experience grows.

Drivers in their 30s, 40s, and 50s are the first to slide below the state average. Marylanders in their 80s pay less than a third of what their teenage grandchildren and great-grandchildren pay.

AgeAvg. Monthly Rate
Teens$547
20s$372
30s$268
40s$285
50s$278
60s$234
70s$213
>80s$179

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What Is the Average Cost of Car Insurance in Maryland by Gender?

Men pay three percent more than women in Maryland. That’s a $10 average difference in monthly car insurance costs.

GenderAvg. Monthly Rate
Male$322
Female$312

Does Marital Status Influence the Average Cost of Car Insurance in Maryland?

The $64 question is "Will you marry me?" Drivers who say yes could save over $760 on average per year.

Economists and financial experts say that you'll have a higher average net worth and greater financial stability once you tie the knot.

Marital StatusAvg. Monthly Rate
Married$269
Single$333

What Are the Minimum Car Insurance Requirements in Maryland?

Maryland requires quite a bit of coverage. State law says you must have $30,000 in bodily injury liability per person and $60,000 per accident, $15,000 in property damage liability per accident, $2,500 in personal injury protection (PIP) per person per accident, $30,000 in uninsured/underinsured motorist bodily per person, $60,000 in underinsured motorist bodily per accident, and $15,000 in uninsured/underinsured property damage per accident. To cover your vehicle, you still need comprehensive and collision coverage.

maryland

How Does Credit History Affect Maryland Car Insurance Rates?

Insurance companies in Maryland can use your credit score to determine rates. That's the case in most states.

As your credit improves, you pay less for insurance. There's not much difference between poor, average, and good credit, but your rates are fantastic once you hit excellent. Between poor credit drivers and excellent credit ones, a nearly $100 price gap exists. An excellent credit score, above 800, saves you a ton of money in Maryland.

Credit HistoryAvg. Monthly Rate
Poor$338
Average$328
Good$319
Excellent$242

What Is the Average Cost of Car Insurance in Maryland for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Maryland will pay $30 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $39. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$298
At-Fault Accident$338
Speeding$328

Tips for Researching Maryland Car Insurance Rates

Maryland's prices and premiums vary by location, company, and driver. The state reports that Frederick County had the fastest growth, and the state's population is getting bigger. Does that mean bigger monthly car insurance payments in a state that requires so much insurance?
If you're hoping for the best, use Insurify ’s comparison tool to get 10+ real quotes and unlock savings and discounts. In less than two minutes, you can find the coverage you deserve at a price you can afford.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Maryland Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Maryland. 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.

  • The way to find the carrier with the best auto insurance ratings in Maryland and save on your insurance premiums 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.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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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.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.

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