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Maryland Car Insurance for Bad Credit Drivers

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Joe Dyton
Written by
Joe Dyton
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Written by
Joe Dyton
Insurance Writer
Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.
John Leach
Edited by
John Leach
Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Amber Benka
Reviewed by
Amber Benka
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Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated March 9, 2022

Cheapest Companies for Drivers With Bad Credit in Maryland (2022)

For drivers with bad credit in Maryland, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Maryland. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Maryland.

CarrierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
SafeAuto$174
Travelers$213
Elephant.com$268
Safeco Insurance$291
Liberty Mutual$310
Midvale Home & Auto$335
American Family Insurance$345
Bristol West$424

Bad Credit Car Insurance in Maryland

There's a price to pay for having bad credit; it's usually due when you're seeking a loan for a house or car. A poor credit score can also affect how much you pay for car insurance. There are a few states where car insurance companies are prohibited from using a driver's credit history as a factor for determining a rate, but Maryland is not one of them. Depending on what insurance company you reach out to for coverage, you'll likely have to go through a credit check.

The good news is that car insurance credit checks in Maryland are considered "soft inquiries." They will not affect your credit score.

Maryland Car Insurance Rates for Bad Credit Drivers

Excellent
$236
Good
$296
Average
$304
Poor
$331

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Maryland?

Drivers with bad credit pay approximately 16 percent more than average for car insurance in Maryland. Car insurance companies will use factors like your payment history and total debt to calculate your insurance credit score, which plays into your risk level, according to the Insurance Information Institute. Your insurance credit score, driving record, and claims history will be used to determine your rate.

Avg. Monthly Cost - for Drivers with Good Credit
$283
Avg. Monthly Cost - for Drivers with Bad Credit
$328
$45 ▴
15.90% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Maryland?

It's possible to get car insurance without a credit check in Maryland. The car insurance companies that offer coverage with no credit check often charge more for their premiums than standard insurers, however. The extra cost serves as compensation for the insurers because without looking at your payment history or total debt, they can't fully assess how much of a risk you are to cover.

The credit check might feel like an extra, unnecessary step for getting car insurance. In the long run, it might be worth it because you could end up paying less for your insurance premiums. Be sure to look at car insurance companies that require credit checks so you can get a good comparison.

Maryland Car Insurance Rates by Credit Tier

Having good credit can help keep your car insurance rates down. It's especially important in a state like Maryland, where the average monthly cost for drivers in the excellent credit tier is $236. Meanwhile, Maryland drivers with poor credit pay $331 per month on average for car insurance. That's nearly $100 more. What's surprising is that the gap between Maryland drivers with good and average credit is relatively small—just $8.

Credit TierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Excellent$236
Good$296
Average$304
Poor$331

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Car Insurance Rates With Bad Credit in Maryland Cities

Bad credit is costly for Maryland drivers throughout many different parts of the state. Hagerstown, which is deemed more rural, is on the lower end of the average monthly cost for car insurance, at $226. Meanwhile Baltimore, Maryland's most populous city, has an average monthly car insurance cost of $433 for drivers with bad credit. A number of Maryland cities fall in the $200 to $400 per month range.

CityCredit TierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
BaltimorePoor$434
HagerstownPoor$227
DundalkPoor$301
HyattsvillePoor$404
LaurelPoor$309
WaldorfPoor$287

Tips for Researching Bad Credit Maryland Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Maryland draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate 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 you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

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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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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Joe Dyton
Written by
Joe Dyton

Insurance Writer

Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.

Learn More
John Leach
Edited by
John Leach

Insurance Content Editor at Insurify

Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.