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Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Updated
Discount Type | Maximum Advertised Savings |
|---|---|
| Good driving record | 33% |
| Military, employee, and membership discounts | 10%–15% |
| Multi-policy (bundle discount) | 30% |
| Multi-car | 25% |
| Safety and anti-theft devices | 40% on eligible coverages |
| Good student | 25% |
| Driver education courses | 10% |
| Driver monitoring programs (telematics) | 30% |
| Paperless | Varies |
| Paid in full | Varies |
| New vehicle | 15% |
The best car insurance companies for discounts in Maryland are State Farm, GEICO, and Progressive.
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $155/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $235/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm has multiple large car insurance discounts in Maryland, including discounts for a clean driving record, multi-car policies, good students, and participation in the Drive Safe & Save program.
Major discounts for safe driving and telematics program participation
Additional savings for bundling home and auto
Rated above average for customer satisfaction in J.D. Power study (Mid-Atlantic)
Not among the cheapest car insurance companies in Maryland
No accident forgiveness
No gap insurance
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $156/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $241/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
GEICO is one of the cheapest car insurance companies in Maryland and offers additional savings via robust discounts. GEICO is headquartered in Bethesda, Maryland.
Competitive rates in Maryland
10% discount for completing an approved defensive driving course in Maryland
Discount of up to 15% for new vehicles in Maryland
Higher car insurance premiums for Maryland drivers with incidents
No new car replacement coverage
No rideshare insurance
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 624 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $171/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $242/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive is one of the cheapest car insurance companies for full coverage in Maryland and offers several discounts for drivers, including for drivers with a clean record and drivers who bundle vehicle coverage with home insurance, renters insurance, or condo insurance.
Large discounts for bundling and accident-free driving
Cheap coverage for teen drivers in Maryland
Cheap coverage for Maryland drivers with tickets or accidents
Below-average rating for customer satisfaction in J.D. Power study (Mid-Atlantic)
Poor customer reviews on Trustpilot
Average prices for senior drivers
Car insurance discounts in Maryland vary by insurer. That includes which discounts are available through each insurer and how much you can save.
The table below shows which insurers offer the largest discounts for various discount types.
Discount Type | Potential Savings | Eligibility Criteria | Maryland Insurer With Largest Discount |
|---|---|---|---|
| Good driving record | 33% | Go multiple years without accidents or tickets | Progressive |
| Military | 15% | Be an active-duty servicemember or veteran | GEICO* |
| Multi-policy | 30% | Bundle auto insurance with homeowners insurance, condo insurance, renters insurance, or even life insurance | Progressive |
| Multi-car | 25% | Insure multiple cars on the same policy | Amica |
| Safety and anti-theft devices | 40% on medical coverages | Get discounts for driver-assist safety features, passenger restraints, anti-theft devices, air bags, anti-lock brakes, and more | State Farm |
| Good student | 25% | Varies by insurer, but requires consistent good grades for drivers under a certain age | State Farm |
| Driver education courses | 10% | Complete an eligible driver education course | GEICO |
| Driver-monitoring programs (telematics) | 30% | Allow insurer to track your driving habits (must drive safely to get biggest discount) | State Farm, Liberty Mutual |
| New vehicle | 15% | Drive a newer vehicle | GEICO |
Some of the largest auto insurance discounts in Maryland include:
Driver-monitoring programs: Participating in an insurer’s telematics program can save you up to 30% with State Farm and Liberty Mutual. The caveat: You need to be a safe driver for the discount to apply.
Safe driving: Even without active monitoring, you can save money for safe driving. Many insurers offer discounts of 30% (average of 33% at Progressive) for going years without incidents.
You might belong to a specific employee or other community that qualifies for additional car insurance discounts in Maryland. For instance, one of Maryland’s largest employers is Johns Hopkins University. Employees can save on car insurance through a special group discount.
Members of State Employees Credit Union of Maryland can get discounted car insurance through the TruStage Auto Insurance Program.
Liability policies average $192/mo.
Some Maryland car insurance discounts are particularly easy to qualify for. For instance, Maryland has more than 20 military facilities and over 400,000 Department of Defense employees.[1] That means many Maryland drivers may qualify for a military discount.
More than 10% of Maryland drivers own more than one vehicle, according to Insurify data. This makes qualifying for a multi-car discount more attainable. Whether you rent or own your home in Maryland, a bundle discount is also easy to get.
Finally, driving safely can easily get you a car insurance discount, either through a driver-monitoring program or an accident-free (or claim-free) discount. That said, Maryland has some of the highest rates of drivers with accidents in the country. More than 5% of drivers in Maryland have an accident on their record, according to Insurify data.
Discount | Potential Savings | How to Qualify |
|---|---|---|
| Military | 15% | Be an active-duty servicemember or veteran |
| Multi-car | 20% | Insure multiple cars on the same policy |
| Multi-policy | 25% | Bundle auto insurance with homeowners insurance, condo insurance, renters insurance, or even life insurance |
| Good driving record | 33% | Go multiple years without accidents or tickets |
| Driver-monitoring program (telematics) | 30% | Allow insurer to track your driving habits (must drive safely to get biggest discount) |
By state law, car insurance companies in Maryland are required to offer you a discount for good driving.[2] Specifically, this means you have no moving traffic violation with more than one point or any accident in the last three years. You must also have had continuous coverage during that time to be eligible.
To save the most money on car insurance, spend a little time trying to maximize your auto coverage discounts in Maryland. Do this by:
Asking your insurer about the Maryland-mandated good driver discount if you have a clean driving record.
Researching which discounts you may be eligible for through your employer (like Johns Hopkins University or federal/military employment) or other membership groups (like your credit union).
Bundling your car insurance with another policy from the same insurer, such as home insurance or renters insurance.
Asking for a full list of discounts to determine what you’re eligible for.
Comparing quotes from multiple insurers, factoring in all potential discounts.
Applying car insurance discounts to your Maryland policy is usually straightforward:
Review your policy or contact your insurer to see which discounts you may qualify for. Remember, in Maryland, insurers must offer discounts to drivers with clean records.
Provide any required documentation. This might include proof of good grades, certification that you’ve completed a defensive driving course, or your military ID.
Enroll in an insurer’s telematics program. State Farm’s Drive Safe & Save and Liberty Mutual’s RightTrack offer some of the biggest discounts for Maryland drivers.
Opt in to paperless billing and pay for your policy in full each time it renews.
See quotes from top insurers and save with discounts
On average, car insurance in Maryland costs $192 per month for liability-only coverage and $302 per month for full coverage, according to Insurify data. This is notably higher than the U.S. monthly averages of $98 for liability-only coverage and $187 for full coverage.
Maryland is the most expensive state for car insurance, but is second overall to Washington, D.C. Despite the high premiums, car insurance costs in Maryland are trending downward. They dropped 9% in 2025 and are projected to drop even further by the end of 2026, per Insurify data.
The table below shows the average monthly cost of car insurance in Maryland by insurer. You can use it to find cheap car insurance in Maryland.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Allstate | $116 | $235 |
| USAA | $121 | $183 |
| Direct Auto | $135 | $251 |
| Safeco | $148 | $199 |
| State Farm | $155 | $235 |
| GEICO | $156 | $241 |
| Elephant | $157 | $239 |
| Clearcover | $162 | $297 |
| National General | $171 | $274 |
| Progressive | $171 | $242 |
| Erie | $176 | $267 |
| GAINSCO | $188 | $364 |
| Root | $192 | $288 |
| Travelers | $209 | $317 |
| Bristol West | $210 | $480 |
| Liberty Mutual | $240 | $327 |
Learn more about car insurance discounts in Maryland with the answers to these frequently asked questions.
You can get a discount on your car insurance in Maryland in several ways. Maryland law requires insurers to offer discounts to safe drivers. The large number of military and federal workers in Maryland means drivers may be eligible for specific military and employer discounts.
Participating in an insurer’s telematics program and bundling home and auto coverage can also save you money.
Several car insurance discounts are available in Maryland, including safe-driving discounts, multi-car and multi-policy discounts, telematics discounts, military discounts, and even discounts for going paperless or paying your premium in full.
Drivers must meet the following minimum car insurance requirements in Maryland:[3]
$30,000 for bodily injury liability per person
$60,000 for bodily injury liability per accident
$15,000 for property damage liability
You can lower your car insurance costs in Maryland by qualifying for multiple discounts, shopping around to find the lowest price, and choosing a higher deductible and lower coverage limits.
Insurify data scientists analyzed more than 250 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 500+ 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:
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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Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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