Cheapest Auto Insurance in Maryland (2026)

The average cost of car insurance in Maryland is $219 per month, or $2,627 per year. Car insurance quotes in Maryland are higher than the U.S. national average of $136 per month.

Because Maryland’s coastal location makes it prone to tropical storms and flooding, car insurance companies charge drivers more for coverage to offset the higher risk. Additionally, Maryland has one of the highest population densities in the U.S., which can increase the likelihood of accidents.^[1]

Here’s what you need to know about getting cheap car insurance in Maryland and how to compare quotes to find the best deal for your needs.

6 of the cheapest car insurance companies in Maryland

Drivers have many options for cheap car insurance in Maryland. But the best auto insurance in Maryland is different for every driver. The right insurer for you will depend on your individual situation, coverage needs, and budget.

Below are three of the cheapest options for auto coverage in Maryland.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $186/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $249/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $221/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $162/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $233/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $198/mo*
Overall rating 4.9 1,443 reviews	Overall rating 3.8 40 reviews	Overall rating 4.0 7,288 reviews	Overall rating 4.0 178 reviews	Overall rating 3.2 7,974 reviews	Overall rating 4.3 531 reviews
Value for money 4.9/5	Value for money 3.5/5	Value for money 3.8/5	Value for money 3.2/5	Value for money 3.1/5	Value for money 3.9/5
Customer service 4.8/5	Customer service 3.1/5	Customer service 4.0/5	Customer service 3.1/5	Customer service 3.3/5	Customer service 4.0/5
Claims handling 4.9/5	Claims handling 3.6/5	Claims handling 4.1/5	Claims handling 3.5/5	Claims handling 3.3/5	Claims handling 4.1/5
Special highlight AI-generated from 1443 user reviews Members of the military community	Special highlight AI-generated from 40 user reviews Robust mobile app	Special highlight AI-generated from 7288 user reviews Teen drivers	Special highlight AI-generated from 178 user reviews Hard-to-insure drivers	Special highlight AI-generated from 7974 user reviews Competitive rates	Special highlight AI-generated from 531 user reviews Cash back for being claims free

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Safeco

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User Reviews	4.3 531 reviews
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.	8.1 /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.	$174/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.	$222/mo

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Driver Reviews

4.3

Best choiceBased on 990 verified guest reviews and ratings

How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

Reviews (531)

Linda

Verified Review

Raising Prices Too High

Reviewed in New Hampshire on February 6, 2026

It was okay, but now they are raising the price on my policy by $572.20. They said it's because of rates for ambulances, fire, and police in Gilford. That doesn't seem to have anything to do with my auto insurance, but that's what they said.

Jon

Verified Review

Shop around

Reviewed in California on February 4, 2026

Shop around. I believe insurers give an initial lower rate and then increase it over time, knowing that most people just keep paying the higher rate. You have to shop every time renewal comes up.

Patrick

Verified Review

Poor Business Practice

Reviewed in Michigan on January 30, 2026

The price is a bit cheaper than average at first. The issue is that after a month, they claimed they never received the qualifying medical insurance letter, changed your PIP allocations, and charged you hundreds more than the original quote. They make you jump through hoops to get your money back, then only return a minute fraction of it and claim it was the customer's fault. They will not return the money wrongfully taken for "lack of medical coverage letter"—they received it! And let's just for amusement say they never received it, you'd think an email, text, or call to say "Hey, we don't have the medical coverage letter, and we need that or we will deduct such and such on such and such date" would be appropriate... but no, they'd rather be shady! Additionally, getting a service agent at certain times can be difficult!

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.72

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A

Why we picked this company

Maryland drivers who want to customize their auto insurance policy with add-on coverages should consider Safeco. The company offers various coverage options, including roadside assistance, new-vehicle replacement coverage, accident forgiveness, and diminishing deductible.

Safeco customers also get access to its guaranteed repair network. If your car needs repairs after a claim, the company guarantees repairs that meet industry standards under Safeco’s President’s Guarantee.

Pros

• Customizable coverage options

• Guaranteed repair network

Cons

• Fewer discounts than other insurers

• Below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region

USAA

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User Reviews	4.9 1,443 reviews
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.	9.1 /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.	$159/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.	$212/mo

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Driver Reviews

4.9

Best choiceBased on 2,909 verified guest reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,443)

David

Verified Review

No updates

Reviewed in Pennsylvania on February 10, 2026

I have had no claims, so there is no new information to share.

Ken

Verified Review

USAA rate increase without explanation

Reviewed in Georgia on February 10, 2026

With no accidents or tickets in the last decade, our car insurance rates doubled with USAA after 5 years. Why? Couldn't tell you and couldn't get an explanation as to why either when I called them to inquire about the rate hike!

Larry

Verified Review

Disappointed

Reviewed in Nebraska on February 10, 2026

USAA has good prices on policies. When filing a claim a few years back, the only thing that stood out to me after the process was what the claim representative said: "We don’t legally have to do any more than that." It was a grey area that they would not even discuss.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

743

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

With more than 345,000 veterans and 13 military bases across the state, many drivers in Maryland can qualify for USAA car insurance. USAA exclusively sells car insurance to active-duty and retired military members and their spouses and children.

The company is known for its low rates and excellent discounts, including several discounts for military personnel. USAA also consistently receives the highest third-party ratings for overall customer satisfaction, claims satisfaction, and financial strength.

Pros

• Excellent car insurance discounts

• Highest third-party ratings in most categories

Cons

• Only available to eligible military members and family

• Few endorsements

Clearcover

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User Reviews	3.8 40 reviews
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.	7.1 /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.	$202/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.	$295/mo

Show Details

Driver Reviews

3.8

A solid optionBased on 63 verified guest reviews and ratings

How drivers feel about Clearcover

Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Robust mobile app

Fast claims process

Competitive pricing

How drivers feel about Clearcover

Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Robust mobile app

Fast claims process

Competitive pricing

Reviews (40)

Christy

Verified Purchase

Great so far

Reviewed in Missouri on January 25, 2026

Great for now, we will see what the price does at renewal time.

Daysy

Verified Purchase

Price is cheap but poor claim experience

Reviewed on November 6, 2025

Worst claim handling, no communication whatsoever.

Jerry

Verified Review

They helped me with some relief in getting reliable car insurance coverage

Reviewed in Missouri on June 12, 2025

Very good at helping get some insurance.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

4.36

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Maryland drivers looking for a sophisticated digital experience and quick claim payouts may appreciate Clearcover. Using the company’s app, you can file a claim for vehicle damage from your smartphone. Clearcover uses AI technology to analyze photos of the damage and can issue payment for eligible claims in minutes.

According to the company, most claims are paid in less than a week. Clearcover is a digital insurance company, so you must purchase your policy online or through the mobile app. You can chat with an agent if you need assistance.

Pros

• Fast claim payouts

• Highly rated mobile app for Apple and Android devices

Cons

• No in-person agents

• Limited discounts

How to get the cheapest car insurance in Maryland

Car insurance premiums are different for every driver. Factors like your age, credit score, ZIP code, gender, and vehicle type can all affect your personalized premiums.

But you can reduce your car insurance premiums in the following ways:

• Choose high deductibles. For policies that require a deductible — such as collision insurance and comprehensive insurance — selecting a higher deductible will lower your monthly premium. But make sure you can afford a higher deductible if you need to file a claim.

• Look for discounts. Most Maryland car insurance companies offer discounts that can reduce your insurance costs. Every insurer has different discounts, but some common ones are good student discounts, defensive driving course discounts, payment discounts, and safe vehicle discounts.

• Bundle your policies. Purchasing two or more insurance policies from the same company, like car insurance and home insurance, can help you qualify for a bundling discount.

• Shop around. The cost of car insurance will differ among insurance companies. To find the most affordable car insurance in Maryland for your situation, shop around and compare personalized quotes from several insurance companies.

Low-cost car insurance in Maryland

Maryland increased its minimum-required car insurance amounts in 2024, in addition to increasing car registration fees and insurance lapse penalties. The state doesn’t have a program to help low-income drivers find affordable car insurance, making it difficult for drivers to find low-cost car insurance options.

If you’re a Maryland driver looking for affordable car insurance, your best bet is to make sure you’re shopping around every six months and comparing quotes from three to five car insurance companies before buying a policy. Sometimes, switching insurers can save you a lot more than staying with the same company for a loyalty discount.

Get Affordable Car Insurance in Maryland

Rates start at $159 per month for liability insurance

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Changes in Maryland car insurance rates over time

Maryland has been among the 10 most-expensive states for car insurance since at least January 2021, when the average annual cost of full coverage was $2,204, according to Insurify’s proprietary data. At the end of 2025, the state had the second-most-expensive rates, averaging $3,601 for full coverage.

The state’s average peaked at just over $4,000 in March 2025 but has steadily declined since. Following a 9% decrease in rates last year, Maryland rates will likely continue to fall another 0.2% ($7) in 2026, Insurify data scientists project.

Here’s a look at how Maryland’s full-coverage car insurance average has fluctuated since January 2021.

Cheapest liability-only car insurance quotes in Maryland: USAA

Maryland requires liability-only car insurance for all drivers. It covers your financial responsibilities when you injure someone else or damage their property in an accident you cause. Liability-only insurance doesn’t provide any coverage for your injuries or vehicle damages.

Liability-only policies in Maryland cost an average of $177 per month, according to Insurify data.

The table below shows the cheapest car insurance in Maryland for liability-only coverage.

Cheapest full-coverage car insurance quotes in Maryland: CSAA

Full-coverage car insurance provides more protection than minimum coverage. A typical full-coverage policy usually includes liability insurance, collision insurance, and comprehensive insurance.

Full coverage is optional for most Maryland drivers, but you may need it if you lease or finance your vehicle. Even if you own your vehicle, full coverage is a good idea if you drive a high-value or specialty vehicle.

Maryland drivers pay $261 per month for a full-coverage policy, on average. Below are some cheap full-coverage car insurance options in Maryland.

Car insurance requirements in Maryland

Maryland legally requires all drivers to carry car insurance. Maryland is an at-fault state, which means the driver responsible for causing an accident must compensate others for their bodily injuries and property damages, usually through their liability coverage.

Drivers must carry liability insurance with coverage limits of at least 30/60/15. Here’s what those numbers translate to:^[2]

Coverage	Minimum Requirements
Bodily injury liability	$30,000 per person / $60,000 per accident
Property damage liability	$15,000 per accident
Uninsured/underinsured	$30,000 per person / $60,000 per accident

In addition to the required coverages, many Maryland drivers can also benefit from endorsements. These optional coverages fill gaps in your standard policy. Below are some of the most common additional coverages available in Maryland, depending on your insurance company:

• 

  Collision coverage

  Collision insurance covers your vehicle repairs after you hit a stationary object or another vehicle, regardless of fault.

• 

  Comprehensive coverage

  Comprehensive insurance pays for vehicle damages from non-collision events, like severe weather, falling objects, theft, and vandalism.

• 

  Gap coverage

  Gap insurance pays the difference between a lease or auto loan balance and insurance settlement if your insurance company totals your vehicle.

• 

  Roadside assistance coverage

  Roadside assistance covers the cost of basic roadside repairs, like flat-tire changes, new batteries, fuel delivery, and towing.

• 

  Accident forgiveness coverage

  With accident forgiveness, your car insurance premium won’t go up after your first at-fault accident.

• 

  Maryland Auto Insurance

  If car insurance companies in Maryland deny you coverage, you can get guaranteed coverage through Maryland Auto Insurance.

  This program, formally known as the Maryland Auto Insurance Fund (MAIF), insures drivers who can’t get car insurance through the private market due to their credit score, lapses in coverage, or similar issues. Maryland Auto Insurance provides state-minimum and full-coverage policies, as well as several add-ons, including rental car coverage and towing insurance.

Cheapest car insurance companies in Maryland for drivers with an incident

Car insurance companies usually consider drivers with incidents on their record as high-risk drivers. If you have incidents such as speeding tickets or at-fault accidents, you’ll probably pay more for car insurance than someone with a clean record. More serious violations, such as driving under the influence (DUI) convictions, usually have the biggest effect on rates.

For example, people with a clean driving record in Maryland pay $177 per month for car insurance, on average. But after a speeding ticket, that average rate increases to $211 per month. And a DUI can cause it to jump to $285 per month.

These increases in premiums after driving infractions and violations are why it’s important to always drive safely and obey traffic laws.

Shop for Car Insurance in Maryland

Monthly rates start at $194 for drivers with an incident

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Cheapest car insurance quotes for drivers with a speeding ticket: CSAA

While speeding is often a minor offense, getting a speeding ticket can affect your car insurance premium. If you get a speeding ticket, you might see your insurance premium increase when the policy renews.

Maryland drivers with a speeding ticket pay an average of $211 per month for liability coverage compared to drivers with a clean record, who pay $177.

The below rates in Maryland are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Speeding Ticket
USAA	$159	$200
CSAA	$160	$199
Direct Auto	$171	$209
Safeco	$174	$224
Elephant	$185	$216
GEICO	$189	$241
Root	$193	$251
National General	$193	$234
Progressive	$194	$231
Clearcover	$202	$257
State Farm	$205	$253
GAINSCO	$211	$245
Erie	$232	$299
Bristol West	$243	$298
Travelers	$276	$349
Liberty Mutual	$321	$399
Allstate	$365	$464
Nationwide	$421	$533

Disclaimer: Table data sourced from real-time Maryland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Maryland may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with an at-fault accident: USAA

Maryland reported more than 500 fatal crashes in 2024.^[3] If you cause an accident, you can expect your insurance premium to increase when your policy renews.^[4]

Maryland drivers with an at-fault accident on their record pay average monthly premiums of $222 for liability coverage and $328 for full coverage. The table below lists cheap car insurance companies in Maryland for drivers with an at-fault accident.

The below rates in Maryland are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Accident
USAA	$159	$208
CSAA	$160	$228
Direct Auto	$171	$228
Safeco	$174	$238
Elephant	$185	$236
GEICO	$189	$239
Root	$193	$251
National General	$193	$250
Progressive	$194	$244
Clearcover	$202	$289
State Farm	$205	$264
GAINSCO	$211	$263
Erie	$232	$300
Bristol West	$243	$311
Travelers	$276	$362
Liberty Mutual	$321	$416
Allstate	$365	$476
Nationwide	$421	$551

Disclaimer: Table data sourced from real-time Maryland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Maryland may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with a DUI: USAA

A DUI is one of the most serious violations, and more than 100 fatal crashes in Maryland involved impairment in 2023.^[3] If you have a DUI conviction on your record, your car insurance premiums will likely increase significantly. Depending on the situation, your insurance company could even refuse to renew your policy.

On average, Maryland drivers with a DUI pay $285 per month for liability coverage and $420 for full coverage.

Although you can expect a big rate increase after getting a DUI, some insurers have lower rates than others. Below are the cheapest car insurance companies in Maryland for drivers with a DUI on their record.

The below rates in Maryland are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With DUI
USAA	$159	$246
CSAA	$160	$248
Direct Auto	$171	$265
Safeco	$174	$287
Elephant	$185	$287
GEICO	$189	$289
Root	$193	$300
National General	$193	$299
Progressive	$194	$312
Clearcover	$202	$313
State Farm	$205	$317
GAINSCO	$211	$327
Erie	$232	$357
Bristol West	$243	$376
Travelers	$276	$427
Liberty Mutual	$321	$497
Allstate	$365	$565
Nationwide	$421	$652

Disclaimer: Table data sourced from real-time Maryland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Maryland may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for seniors: USAA

Senior drivers typically pay more expensive car insurance rates than middle-aged adults. For most drivers, car insurance rates decrease around age 35 and increase around age 70. Older people may have changes to driving abilities, and they have higher crash rates than drivers in younger age groups.^[5]

Senior drivers in Maryland pay average monthly rates of $152 for liability insurance and $224 for full coverage.

The table below shows cheap car insurance companies for seniors in Maryland.

The below rates in Maryland are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
CSAA	$128	$147
USAA	$129	$172
Direct Auto	$137	$202
GEICO	$150	$200
National General	$151	$229
Safeco	$152	$193
Elephant	$153	$221
Root	$161	$241
State Farm	$161	$214
Progressive	$166	$233
Clearcover	$177	$259
Erie	$177	$237
GAINSCO	$178	$336
Bristol West	$201	$436
Travelers	$220	$293
Liberty Mutual	$267	$316
Allstate	$296	$396
Nationwide	$321	$429

Disclaimer: Table data sourced from real-time Maryland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Maryland may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for teens: CSAA

Teen drivers typically pay the most expensive car insurance rates. Maryland teens pay $340 per month on average for insurance.

Drivers ages 16 to 19 have a higher accident rate than any other age group. Young drivers are also more likely to make critical driving errors that can result in collisions.^[6]

But teen drivers shopping for auto insurance should compare rates from several insurers. These are the cheapest car insurance companies for teens in Maryland for minimum coverage and full coverage.

The below rates in Maryland are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
CSAA	$229	$265
USAA	$273	$365
Progressive	$301	$422
Elephant	$301	$435
Clearcover	$306	$448
Direct Auto	$308	$454
Root	$309	$462
GEICO	$314	$419
Safeco	$328	$419
GAINSCO	$360	$678
National General	$366	$553
State Farm	$370	$493
Erie	$396	$529
Bristol West	$402	$869
Liberty Mutual	$524	$618
Travelers	$536	$714
Allstate	$674	$902
Nationwide	$768	$1,025

Disclaimer: Table data sourced from real-time Maryland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Maryland may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Maryland

Monthly liability rates start at $159

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Maryland car insurance quotes by credit tier

In Maryland, car insurance companies can use credit-based insurance scores when underwriting policies.^[7] When you apply for a policy, the insurance company may check your credit history to help determine your premium. Drivers with good credit usually pay cheaper rates than drivers with poor credit.

Here’s how credit scores affect average rates in Maryland.

Car insurance rates across Maryland cities

While car insurance rates across Maryland have gone up because of the state’s new minimum requirements, your rate still heavily depends on the city you live in. This is because each city has a unique set of rating factors, like vehicle crime rates and weather patterns, that influence the probability of you filing a claim.

Maryland car insurance FAQs