Average Car Insurance Cost in Maryland (2025)
Drivers in Maryland pay an average of $271 per month for car insurance.
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Written byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
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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Table of contents
The average cost of car insurance in Maryland is $209 per month for liability coverage and $334 for full coverage. For comparison, the U.S. national average cost is $105 per month for liability and $196 for full coverage.
The Old Line State’s average car insurance rates have been increasing drastically in recent years. The average cost of full-coverage insurance increased by 58% between 2023 and 2024. One reason for Maryland’s expensive car insurance rates could be its relatively high rate of uninsured drivers (15%).[1]
Here’s what you should know about Maryland car insurance, including how to compare car insurance quotes and understand coverage options.
Quick Facts
USAA, GEICO, and State Farm have the cheapest liability coverage in Maryland, on average.
Baltimore is the most expensive city in Maryland for car insurance, with an average monthly rate of $442 for full coverage.
Maryland is the third-most expensive state for car insurance in the country.
How much is car insurance in Maryland?
Maryland drivers pay an average of $271 per month for car insurance, or an annual premium of $3,256.
On average, drivers pay $209 per month for liability coverage and $334 for full coverage. This comes out to $2,508 per year for liability coverage and $4,003 for full coverage.
Full-coverage car insurance is always more expensive than liability insurance because it includes collision and comprehensive coverage. Your exact rate will differ from the average, as every driver has a unique combination of driving factors, such as age, location, and driving record.
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How Maryland car insurance rates have changed over the past two years
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To find car insurance rates in Maryland and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Maryland rose to $4,000 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Maryland.
See how Maryland car insurance prices have changed over the past two years below.
Average Maryland Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Maryland car insurance rates by city
Car insurance rates vary depending on which city you live in in Maryland. Car insurance companies consider numerous factors when setting your rate, including accident frequency, auto theft rates in your ZIP code, and whether you park your car on the street or in a garage.
Drivers in large metropolitan areas almost always pay more for car insurance than drivers in rural areas, as major cities have more risks than rural towns. Baltimore drivers pay the highest rates in Maryland, with an average monthly rate of $324 for minimum coverage.
Below, you can compare average rates for a few of Maryland’s popular cities, according to Insurify data.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Frederick | $155 | $253 |
| Columbia | $190 | $320 |
| Glen Burnie | $199 | $309 |
| Silver Spring | $212 | $335 |
| Baltimore | $324 | $442 |
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 age and gender
Your car insurance rates vary by your age and even your gender. Older drivers have more experience behind the wheel, so they almost always pay less than younger drivers. Male drivers generally take more risks behind the wheel than female drivers, so they often pay higher rates.[2]
Insurers strongly consider both of these factors when setting car insurance premiums, meaning teenage drivers pay some of the highest rates in Maryland and older drivers pay some of the lowest rates.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $373 | $611 |
| 18 | $325 | $532 |
| 20 | $257 | $422 |
| 25 | $235 | $385 |
| 30 | $213 | $348 |
| 40 | $196 | $320 |
| 50 | $177 | $291 |
| 60 | $173 | $284 |
| 70+ | $175 | $286 |
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.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $381 | $624 |
| 18 | $331 | $542 |
| 20 | $263 | $430 |
| 25 | $240 | $393 |
| 30 | $217 | $356 |
| 40 | $200 | $326 |
| 50 | $181 | $297 |
| 60 | $177 | $290 |
| 70+ | $179 | $292 |
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 cost to insure popular vehicles in Maryland
The Tesla Model Y was the most popular vehicle in Maryland in 2023, according to data from Edmunds. The Toyota RAV4 and the Honda CR-V are the other most popular vehicles in the state. Toyota and Honda are reliable manufacturers, which pushes drivers to purchase them year after year.
The Ford F-Series trucks and the Toyota Camry round out the top five vehicles in Maryland. Ford trucks are excellent choices for drivers in Maryland’s rural areas, and the Toyota Camry is another extremely reliable choice. These two vehicles are among the most popular in the entire country, explaining their popularity in Maryland.[3]
Here are the average full-coverage insurance monthly costs to insure the most popular vehicles in Maryland.
Vehicle | Average Monthly Quote |
|---|---|
| Tesla Model Y | $584 |
| Toyota RAV4 | $325 |
| Honda CR-V | $296 |
| Ford F-Series | $332 |
| Toyota Camry | $392 |
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
Your driving record has one of the most significant effects on your car insurance rates. Insurance companies consider any at-fault accidents and infractions in your driving history when setting rates.
If you have even one or two infractions on your record, you’ll likely pay more than people with clean driving records. How much more you might pay than a driver with a clean driving record depends on the severity of the infraction. Drivers with DUIs can see up to 50% increases.
The table below has average rates for car insurance based on driving records in Maryland.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers $275 |
|---|---|---|
| With accident | $366 | 33% |
| With speeding ticket | $352 | 28% |
| With DUI | $421 | 53% |
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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How to lower your insurance costs in Maryland
Maryland drivers can lower their insurance costs in a number of ways. Consider the following methods to help you earn a lower rate:
Maintain a clean driving record
Maintaining an infraction-free driving history is the best way to keep your rates low, as your insurance company will have less reason to consider you likely to file a claim.
Increase your deductible
Consider increasing your car insurance deductible if you can afford to. It’ll lower your monthly premiums.
Apply for discounts
Car insurance discounts are a good option to help you keep rates low. Just about every insurance company offers multiple.
Consider coverage needs
How much you drive and the value of your car can affect the amount of coverage you need. If you don’t drive much or your car isn’t worth a lot, the state-minimum coverage may be sufficient, and it’ll save you on your premium cost. But if you have a newer car or commute frequently, you should carry full coverage.
Compare car insurance quotes
Always compare insurance quotes from at least three different car insurance companies before buying an insurance policy. Every insurer determines rates differently, so you might find cheaper rates for the same coverage.
Maryland average car insurance cost FAQs
If you’re still not sure how to navigate Maryland car insurance, the information below can help answer your remaining questions.
What is the average annual cost of car insurance in Maryland?
The average cost of car insurance in Maryland is $3,256 per year. On average, drivers pay an annual rate of $2,508 for liability coverage and $4,003 for full coverage.
What is the cheapest car insurance company in Maryland?
The cheapest car insurance company in Maryland is USAA, with an average monthly rate of $108.
How much is car insurance per month in Maryland?
Car insurance in Maryland costs $271 per month. Drivers pay an average of $209 per month for liability coverage and $334 for full coverage.
What are the best auto insurance companies in Maryland?
State Farm, Erie, and GEICO are some of the best auto insurance companies in Maryland. Each of these insurers offers affordable average rates, multiple coverage options, and numerous discounts. That said, you should always compare multiple companies and car insurance rates before deciding on an auto policy.
What are the car insurance requirements in Maryland?
Maryland’s car insurance requirements are $30,000 per person and $60,000 per accident in bodily injury liability coverage, along with $15,000 per accident in property damage liability insurance.[4]
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
- 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.
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Sources
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Edmunds. "Most popular cars in America."
- Maryland Department of Transportation. "Insurance Requirements for Maryland Vehicles."
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Danny Smith
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Danny has been a contributor at Insurify since March 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
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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