How Much Does Car Insurance Cost In Maryland?

On average, drivers pay $317 per month for car insurance in Maryland, according to 2021 rates.

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Average Cost of Car Insurance in Maryland

If you plan a road trip through Maryland, you might see the Battle Creek Cypress Swamp, bluish tree haze west of the Piedmont, or Backbone Mountain, the state's tallest point. But most Marylanders leave the great outdoors for "staycations” and concern themselves with getting back and forth to work or school.

More than 92 percent of Maryland's six million people live in the Washington-Arlington-Baltimore metro. Maybe it's all the hustle and bustle that makes the Old-Line State the seventh most expensive for car insurance in the U.S.

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.

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

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.

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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.

FAQs - Maryland Car Insurance

Why is car insurance so expensive in Maryland?

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.

Do car insurance rates vary by county in Maryland?

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.

Which providers have the best auto insurance ratings in Maryland?

'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.'

How much do annual auto insurance rates increase in Maryland?

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.