Best Car Insurance Companies in Maryland 2022: Quotes, Discounts

To drive legally in Maryland, you need to carry the state minimum required auto insurance plus any additional coverage required by your lending institution if you’re financing your vehicle.

On average, Maryland minimum coverage is more robust than in other states and requires underinsured/uninsured motorist coverage on top of standard liability coverage. However, it may still not be enough to cover the cost of a car accident.

Staying safe on the road doesn’t have to break the bank. Use Insurify, an AI-powered comparison tool to compare personalized auto insurance rates from the best car insurance companies in Maryland and get affordable car insurance with the most coverage. It’ll only take you five minutes!

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Maryland drivers can expect to pay an average car insurance rate of $246 per month - or $2,952 per year - for auto insurance coverage. Monthly insurance premiums can go as high as $296 and as low as $182, resulting in a $1,368 annual difference, so it’s important to carefully consider your options before buying a policy.

You can compare average rates for different auto insurance companies in Maryland below. But remember that these are just rough estimates! To get real car insurance quotes, use Insurify.

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Maryland requires all drivers to carry the following coverage limits:

• $30,000 in bodily injury liability insurance per person
• $60,000 in bodily injury liability insurance per accident
• $15,000 in property damage liability insurance
• $30,000 in underinsured/uninsured motorist bodily injury per person
• $60,000 in underinsured/uninsured motorist bodily injury per accident
• $15,000 in underinsured/uninsured motorist property damage

Liability coverage is meant to protect the other driver involved in an accident if you’re found to be at fault. Underinsured/uninsured motorist coverage covers your injuries and property damage. Maryland insurance providers are also required to offer you PIP coverage, but you can decline it by signing a waiver.

Whether you’re looking for the minimum required Maryland auto insurance or full coverage, you can find cheap car insurance at one of the companies below!

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The best auto insurance company on this list according to Insurify data, Clearcover stands out from other providers because of its tech innovation and low advertising budget, which allows policyholders to have better coverage at lower rates.

Top discounts that the company offers include anti-theft device, good driver, and military members.

Drivers over 60 and safe drivers with no prior violations enjoy the best rates at Clearcover. You can find the average monthly insurance costs for different driver categories with Clearcover below.

The second most expensive auto insurance company on this list, Nationwide offers competitive programs to its customers, such as the SmartRide program. This program allows Nationwide to track your driving behavior through a mobile app or a smart device. Good drivers can enroll in the SmartRide program to keep their annual premiums down.

Top discounts that the company offers include multiple policy (bundling your car insurance policy with another policy, such as home insurance or renters insurance), family, and multiple vehicle.

Young drivers under 25 can expect the highest average monthly premium at Nationwide, but drivers over the age of 60 and those with no prior violations enjoy competitive average rates.

Safeco offers a variety of coverage options to its policyholders, from standard auto insurance policies, such as comprehensive coverage and collision coverage, to additional ones, like pet insurance. It also has a diminishing deductible for every year you go without filing a claim.

Top discounts that the company offers include good credit, multiple vehicle, and low mileage.

With some of the lowest rates on this list, Safeco is a great choice for those looking to purchase affordable Maryland car insurance without compromising quality of service.

Liberty Mutual policyholders enjoy accident forgiveness for maintaining a clean driving record for five or more years and a lifetime repair guarantee for vehicle repairs at one of Liberty Mutual’s partnered shops.

Top discounts that the company offers include advance shopper, driving training, and RightTrack.

Compare the average monthly costs for a policy with Liberty Mutual below.

The cheapest car insurance company on this list, Travelers offers a variety of coverage options at a good rate. Whether you’re looking to comply with car insurance requirements or protect yourself with full-coverage car insurance, use Insurify to get a personalized quote now.

Top discounts that the company offers include safe driver, continuous coverage, and good payer.

Teen drivers and high-risk drivers especially will benefit from a policy with Travelers because its average monthly costs are much lower than the state’s average for these driver categories.

The most expensive provider on this list, State Auto offers a unique prime of life program, which provides qualifying customers over the age of 45 with premium discounts and extra-value coverages at no additional cost.

Top discounts that the company offers include multiple policy, good driver, and early quote.

Compare the average monthly costs for various driver categories with State Auto below.

With an Insurify Composite Score of 58 - the lowest on this list - National General offers a variety of coverage options to satisfy coverage requirements or provide fuller protection. It also offers a roadside assistance program.

Top discounts that the company offers include low mileage discount, multi-vehicle discount, safe driver discount, first at-fault accident forgiveness, and a discount for OnStar subscribers.

Drivers over 60 and those with no prior violations enjoy the best rates, but those with prior accidents or speeding tickets can still get a competitive rate.

Your car insurance rates also depend on where you live in Maryland. According to Insurify data, drivers in Baltimore can expect the highest average monthly costs of $379, $133 higher than the average across the state. Residents of Frederick and Germantown enjoy some of the lowest rates in the state, $193 and $217 per month, respectively.

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Different car insurance companies and insurance agents use factors like your age, driving record and credit score differently to calculate your unique rate. According to the Insurance Information Institute, you should get at least three quotes from various insurance companies to find the best deal.

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But requesting car insurance quotes from different providers can get time-consuming. You’d have to contact each company in your area for a quote and then manually compare them.

Instead, use Insurify to collect and compare all of your quotes in one place and find the best deal for you. The best part? It only takes five minutes to get personalized coverage recommendations!