Average Car Insurance Cost in Maryland (2024)

Drivers in Maryland pay $246 per month on average for car insurance.

Lindsay VanSomeren
Lindsay VanSomeren
  • 8 years in insurance and personal finance writing

  • Former data scientist for U.S. Geological Survey

Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated May 23, 2024

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Cheapest recent rates in Maryland

Drivers using Insurify have found quotes as cheap as $73/mo for liability only and $131/mo for full coverage in Maryland.

*Quotes generated for Insurify users from Maryland within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Maryland within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average cost of car insurance for Maryland drivers is higher than in many other states and the overall national average of $160 per month. Maryland drivers pay $177 for liability insurance and $316 for full-coverage insurance, on average.

The state of Maryland requires drivers to purchase more types of minimum car insurance than most other states, which increases the average cost of car insurance for Maryland drivers.

Here’s what you need to know about car insurance in Maryland, including what affects costs.

Quick Facts
  • Maryland is in the top 10 most expensive states for car insurance in the U.S.

  • Maryland residents must carry minimum amounts of liability, uninsured motorist, and personal injury protection (PIP) coverage.[1]

  • Baltimore residents pay some of the highest average car insurance rates in Maryland, at $374 per month.

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What’s the average cost of car insurance in Maryland?

Most states require residents to purchase a minimum amount of liability coverage in order to drive legally. Maryland is unique because it requires drivers to purchase two other types of coverage in addition to liability coverage: personal injury protection (PIP) and uninsured motorist coverage.[2]

If you finance your car, your lender will usually require you to pay for a full-coverage policy to protect your vehicle. Though full-coverage insurance costs more than minimum coverage, most drivers can benefit from the extra protection it provides.

Here are the average costs of liability and full-coverage insurance from top insurers in Maryland.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full Coverage
USAA105154
Safeco112166
GEICO125183
State Farm136199
Midvale Home & Auto140214
Erie154225
Liberty Mutual160243
Progressive164240
Elephant166266
CSAA181241
Travelers183268
Direct Auto187351
GAINSCO199525
Allstate242355
Bristol West252544
Nationwide278303
State Auto309458
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average Maryland car insurance rates by city

Car insurance typically costs more in urban areas than in suburban and rural areas due to factors like higher rates of crime and car accidents.[3] For example, drivers in Baltimore pay much higher average rates than drivers in less populated cities like Frederick and Silver Spring.

Find average monthly car insurance quotes for different Maryland cities below.

CityAverage Monthly Quote
Baltimore$374
Columbia$242
Frederick$172
Silver Spring$233
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average Maryland car insurance rates by age

You can’t change your age, but it can have a big effect on your car insurance rates. Teenage drivers typically pay the highest rates for car insurance because they often take more risks and have less experience driving than older drivers. High-risk drivers pay more for coverage than people without low levels of risk.

Middle-aged drivers typically benefit from lower rates than younger drivers due to a lengthy driving history. Around the age of 70, however, senior drivers may face increased rates as insurers account for aging-related risk factors.[4]

Find average monthly quotes for Maryland drivers by age below.

Rates by Age

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How gender affects car insurance rates in Maryland

Your gender can also influence how auto insurers calculate your rates, especially for young drivers.

Male teenagers, in particular, pay 22% more than female teenagers in Maryland. Men tend to demonstrate more of a risk when driving than women, especially young men. About 56% of teen drivers involved in Maryland car accidents were male, according to the Maryland Department of Transportation.[5]

Average rates tend to even out for men and women as they age. Below, you can see how age and gender affect car insurance rates in Maryland.

AgeMaleFemale
16$501$410
35$239$225
50$189$185
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How your driving record affects car insurance rates in Maryland

One of the most important factors that insurance companies consider when setting your insurance premiums is your driving record. In fact, practicing safe driving habits is one of the best things you can do to earn the cheapest car insurance rates. Maryland drivers with a clean driving record pay much lower rates than drivers with a past incident on their record.

Any driving violations on your record, including speeding tickets, at-fault accidents, or DUIs, can show insurers you pose a greater risk of having an accident or filing a claim. On average, Maryland drivers with an incident on their record pay $328 per month for car insurance.

Compare average monthly quotes by coverage level and driver record below.

Driver RecordAverage Quote: Liability OnlyAverage Quote: Full Coverage
Clean record$160$249
With accident$229$356
With speeding ticket$214$334
With DUI$248$386
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Average Maryland car insurance rates by marital status

Though it doesn’t have as much of an effect on your auto insurance rates as other factors, insurers do take your marital status into account when determining how much risk you pose. Single drivers often pay a bit more for coverage than married drivers because auto insurers view married drivers as less of a risk to insure.

Married Maryland drivers pay $16 less per month for minimum coverage and $24 less per month for full coverage. Learn more below.

Marital StatusAverage Quote: Liability OnlyAverage Quote: Full Coverage
Married$146$227
Single$162$251
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average Maryland car insurance rates by credit tier

Your credit score can also influence your car insurance premium. If you have excellent or good credit, you’ll likely pay less for coverage than drivers with poor credit.

Maryland state law allows car insurance companies to consider your credit-based insurance score when determining premiums.

Credit TierAverage Quote: Liability OnlyAverage Quote: Full Coverage
Poor$248$386
Average$160$249
Good$146$227
Excellent$123$192
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Maryland car insurance FAQs

Before you start shopping around for an insurance policy, you should decide how much coverage you need. The following information should help you navigate the process of buying car insurance in Maryland.

  • What is the average cost of auto insurance in Maryland?

    The average monthly cost of car insurance in Maryland is $246. Maryland drivers pay $177 per month for liability coverage and $316 for full-coverage car insurance, on average. How much your car insurance coverage costs will depend on a variety of factors, including your traffic violations, type of vehicle, discounts you qualify for, the type of coverage you purchase, and more.

  • What is the cheapest car insurance in Maryland?

    With an average monthly rate of $105 for liability coverage, USAA is the cheapest car insurance company in Maryland. Other cheap insurers include Safeco and GEICO, which have average liability car insurance rates of $112 and $125, respectively. You can find the lowest rates for the amount of coverage you need by comparing quotes from different companies.

  • Do car insurance rates vary by county in Maryland?

    Yes. Average annual rates for coverage will differ by county and even by ZIP code due to variations in population density, crime rates, car accident rates, traffic congestion, and more.

  • What are the best auto insurance companies in Maryland?

    The best car insurance companies in Maryland include USAA, Erie, Travelers, and State Farm. These companies have high financial strength ratings and customer service rankings, making them great options to choose from.

  • What are the car insurance requirements in Maryland?

    Maryland requires all drivers to purchase a minimum of property damage and bodily injury liability insurance, as well as uninsured motorist and personal injury protection (PIP) coverage.

    Specific requirements include the following:

    • $30,000 per person and $60,000 per accident in bodily injury liability

    • $15,000 per accident in property damage liability

    • $2,500 in PIP coverage

    • $30,000 per person and $60,000 per accident in uninsured motorist bodily injury coverage

    • $15,000 per accident in uninsured motorist property damage coverage

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Maryland Insurance Adminstration. "A Consumer Guide to Auto Insurance."
  2. Maryland Department of Transportation. "Maryland Approved Vehicle Insurance Companies."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. Insurance Institute for Highway Safety. "Older drivers."
  5. Maryland Department of Transportation. "Young Driver Safety."
Lindsay VanSomeren
Lindsay VanSomeren

Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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Compare Car Insurance Quotes Instantly

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