How Much Is Car Insurance in Maryland? (2026)

How much is car insurance in Maryland?

Maryland drivers pay well above the national average for car insurance. The Old Line State is one of the most expensive states in the country, with average rates for liability-only and full-coverage car insurance running higher than in neighboring Virginia and Pennsylvania.

A high rate of uninsured drivers and dense metro areas like Baltimore and Montgomery County push costs up statewide.^{[1] [2]}

The table below breaks down Maryland’s average monthly and annual quotes for state-minimum and full-coverage policies based on Insurify data, so you can compare Maryland’s average rates to quotes you receive.

Coverage Type	Average Monthly Quote	Average Annual Quote
State-minimum coverage	$192	$2,303
Full coverage	$303	$3,638

Disclaimer: Table data is based on real-time Maryland quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Minimum car insurance requirements in Maryland

Maryland requires drivers to have bodily injury liability, property damage liability, and uninsured motorist coverage with a $250 deductible for property damage claims. It also requires insurance companies to offer personal injury protection (PIP). But you can waive PIP coverage in writing.^[3]

The table below summarizes the state-mandated minimum limits. The Maryland Vehicle Administration (MVA) can suspend your registration and levy financial penalties if your coverage falls short.^[3]

Coverage Type	Maryland Minimum Requirement
Bodily injury liability	$30,000 per person / $60,000 per accident
Property damage liability	$15,000
Uninsured motorist bodily injury	$30,000 per person / $60,000 per accident
Uninsured motorist property damage	$15,000
Personal injury protection	$2,500 (unless waived in writing)

Cheapest car insurance companies in Maryland

Allstate, USAA, and Direct Auto offer the cheapest liability-only rates in Maryland. Liability coverage costs less than full coverage because it pays only for damage you cause to others. It doesn’t include collision coverage or comprehensive coverage, which pay for repairs to your own vehicle.

With Maryland’s high average car insurance rates, especially in the Baltimore area, it’s important to compare car insurance quotes to find the best coverage at the right price.

The table below shows the cheapest monthly rates for state-minimum coverage.

The below rates in Maryland are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
Allstate	$116
USAA	$118
Direct Auto	$136
Safeco	$150
State Farm	$152
GEICO	$155
Elephant	$158
Clearcover	$162
Erie	$172
National General	$172
Progressive	$172
GAINSCO	$189
Root	$195
Travelers	$206
Bristol West	$212
Liberty Mutual	$241

Disclaimer: Table data sourced from real-time Maryland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Maryland may vary based on the policy buyer's unique driver profile.

Average Maryland car insurance rates by city

Baltimore is the most expensive city in Maryland for car insurance. Baltimore’s dense urban core, heavy traffic on I-695 at Security Boulevard and on I-895 at the Harbor Tunnel Thruway, and elevated vehicle theft rates push costs higher.^[4]

Hagerstown is at the other end of the spectrum, with the cheapest average rates in the state. It’s in rural Washington County and has a population of around 44,000, compared to Baltimore’s 570,000, according to the U.S. Census Bureau. Lower traffic density and lower rates of vehicle theft (based on state data) translate into lower car insurance premiums for Hagerstown drivers.

The table below compares average monthly rates across Maryland’s largest cities.

The below rates in Maryland are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

City	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Hagerstown	$137	$225
Frederick	$142	$236
Annapolis	$162	$258
Rockville	$173	$267
Gaithersburg	$176	$275
Columbia	$177	$304
Glen Burnie	$194	$303
Laurel	$199	$316
Silver Spring	$201	$312
Upper Marlboro	$208	$352
Baltimore	$346	$475

Disclaimer: Table data sourced from real-time Maryland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Maryland may vary based on the policy buyer's unique driver profile.

Average Maryland car insurance rates by age

A driver’s age plays a major role in Maryland car insurance rates because it indicates a driver’s experience level. Teen drivers pay the most because they’re newly licensed and statistically more likely to be involved in a crash, per state data.

Maryland’s Rookie Driver program adds restrictions for drivers younger than 18, including nighttime and passenger limits, that reflect this higher risk.^{[5] [6]}

Car insurance rates tend to fall in your mid-to-late 20s and continue to decline the older you get.

The table below shows average rates by age group in Maryland.

Age	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Teens	$287	$452
Adults (40s)	$190	$300
Seniors	$170	$268

Disclaimer: Table data is based on real-time Maryland quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How your driving record affects car insurance rates in Maryland

A clean driving record keeps your Maryland car insurance rates low, while violations push them up fast. The MVA assigns points for infractions and suspends your license if you accumulate five or more points in 12 months. Driving violations raise red flags with your insurance company.

A single at-fault accident or speeding ticket raises your rates, and driving under the influence (DUI) causes the steepest jump.

The table below compares average monthly quotes for Maryland drivers with a clean driving record to those with common violations.

Driving Record	Average Monthly Quote in MD	% Increase Compared to Clean Driving Record
Clean driving record	$249	N/A
With speeding ticket	$296	19%
With accident	$309	24%
With DUI	$401	61%

Disclaimer: Table data is based on real-time Maryland quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

What affects car insurance rates in Maryland?

Several Maryland-specific factors affect what you pay for car insurance. Maryland is one of only five jurisdictions, along with Virginia, North Carolina, Alabama, and the District of Columbia, that follow pure contributory negligence. This means you can’t recover damages from the other driver if you were even 1% at fault.

This system raises litigation risk for insurance companies and, in turn, raises car insurance rates for drivers.^[7]

Maryland also strictly regulates the use of credit history in insurance underwriting. Insurers can apply it only to new policies; they can’t look back more than five years and can’t surcharge more than 40%.^[8]

Maryland’s mandatory uninsured motorist coverage also increases average rates, but it protects you against the above-average number of uninsured drivers in the state.

Drivers in coastal counties near the Chesapeake Bay and Ocean City may also pay more for car insurance due to the increased risk of weather-related claims.

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How Maryland car insurance rates have changed over the past five years

Maryland’s average annual full-coverage rate fell 9% from the beginning to the end of 2025, dropping it from the most expensive in the nation to second, behind Washington, D.C.

Rates spiked in 2024 after Maryland began requiring insurance companies to offer enhanced uninsured motorist coverage on new policies. Since then, a 19% drop in fatal crashes from 2024 to 2025 has helped ease rates back down.

How to lower car insurance costs in Maryland

Several strategies beyond the usual basics of safe driving can lower your rate. Here are a few to consider:

• Compare regional insurers. Companies like Erie Insurance and GEICO have a regional presence and may price policies more competitively.

• Complete a Driver Improvement Program (DIP). The MVA maintains a database of approved DIP providers. Your insurance company may offer a discount if you complete an approved course.

• Check for union or workplace affinity discounts. Insurance affinity programs sometimes offer car insurance discounts to members of specific organizations, alumni associations, professional groups, and credit unions. For example, AFSCME Maryland Council 3 partners with insurance companies through programs like AFSCME Advantage. Check with your employer or any organizations you’re involved with.

• Ask about low-mileage or usage-based insurance. If you don’t drive much, tracking your mileage or driving habits can qualify you for a lower rate than a standard policy. This might be a good strategy if you live in Montgomery or Prince George’s counties and use the Washington Metrorail system to commute to work in D.C.

Maryland average car insurance cost FAQs