Cheap Full-Coverage Car Insurance in Maryland From $178/mo.

Updated September 14, 2026

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Quick Facts

Drivers in Maryland pay an average of $303 per month for full-coverage insurance.
Maryland full-coverage policies typically include liability insurance, uninsured motorist coverage, personal injury protection (PIP), collision insurance, and comprehensive insurance.
In Maryland, an estimated 15% of drivers have no insurance, which can contribute to higher car insurance rates.

Cheapest full-coverage car insurance in Maryland

USAA has the cheapest rates for full coverage in Maryland. On average, its policyholders pay about $178 per month.

The table below shows the cheapest full-coverage insurance quotes for Maryland drivers.

The below rates in Maryland are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.

Insurance Company	Average Monthly Quote: Full Coverage
USAA	$178
Safeco	$202
CSAA	$215
State Farm	$229
Elephant	$243
Allstate	$244
GEICO	$244
Progressive	$244
Direct Auto	$257
Erie	$260
National General	$278
Root	$293
Clearcover	$301
Travelers	$309
Liberty Mutual	$330
GAINSCO	$368
Bristol West	$487

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.

How much is full-coverage insurance in Maryland?

On average, Maryland drivers pay $303 per month for full-coverage car insurance.

Maryland’s full-coverage insurance rates are much higher than the national average of $187 per month. Drivers in Maryland pay higher rates due in part to the state’s heavy traffic, high vehicle theft rate, and longer-than-average commute times.

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How to find cheap full-coverage car insurance in Maryland

Full-coverage insurance is generally expensive for Maryland drivers. Still, you have ways to lower your premium and find affordable car insurance:

Raise your deductibles. Increasing your collision and comprehensive deductibles helps you save money on your premiums.
Boost your credit. In Maryland, insurers can use your credit-based insurance score to help determine your rate.^[1] Maintaining or improving your credit history can help you qualify for cheaper insurance rates.
Bundle coverage. Purchasing auto insurance and homeowners insurance or renters insurance through the same company can save you money. You may be eligible for a bundling or multi-policy discount that reduces your auto insurance premiums.
Ask about discounts. You may be eligible for certain insurance discounts. These include accident-free discounts based on your driving record, good student discounts, and defensive driving course discounts. Talk to your agent to make sure you’re getting all the discounts you qualify for.
Request quotes. Rates can vary significantly by company. Make sure to request quotes from multiple insurers shortly before your policy renews to ensure you’re getting the best rate.

What full-coverage car insurance covers

Full coverage isn’t a type of insurance but rather a term that refers to a package of several different coverage types. In Maryland, a full-coverage policy typically includes the following forms of insurance:^[2]

Bodily injury liability
Bodily injury liability pays for the other driver’s medical expenses, lost wages, and pain and suffering if you cause an accident, as well as those of their passengers.
Property damage liability
Property damage liability coverage pays for the other driver’s vehicle repairs and other third-party property damage after an at-fault accident.
Personal injury protection
Personal injury protection (PIP) covers your medical expenses and those of your passengers after an accident, regardless of who’s at fault.
Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage help cover your medical expenses after an uninsured or underinsured driver causes an accident. Since about 15% of Maryland’s drivers don’t have insurance, according to the Insurance Research Council, UM/UIM coverage can be a valuable addition to a policy.
Collision coverage
Collision coverage pays to repair or replace your vehicle if you hit another car or object.
Comprehensive coverage
Comprehensive insurance covers the cost of repairing or replacing your vehicle after a non-collision event. This includes theft, vandalism, weather-related damage, and animal strikes.

You can also add roadside assistance and rental reimbursement for additional protection.

Car insurance requirements in Maryland

Drivers in Maryland must have car insurance that satisfies the state’s minimum requirements. Maryland is an at-fault state, which means drivers who cause an accident are responsible for the damage they cause to others.

At a minimum, drivers must carry the following coverage:

Bodily injury liability: At least $30,000 per person and $60,000 per accident to cover another driver’s medical expenses and those of their passengers.
Property damage liability: At least $15,000 per accident to cover damage you cause to another driver’s car or other property.^[3]
Uninsured motorist (UM) coverage: Limits must match your liability coverage limits. UM coverage helps pay for your medical expenses and those of your passengers if an uninsured driver causes an accident. It can also pay for your vehicle repairs.^[4]

Insurance experts typically recommend higher liability limits. If another driver sues you after an accident you cause, higher coverage amounts are especially important if you have assets that could be at risk.

Minimum vs. full-coverage car insurance in Maryland

Choosing between minimum and full-coverage insurance is a major decision affecting your financial security and peace of mind. This side-by-side comparison shows how liability-only coverage compares to full-coverage insurance.

Factor	Liability Only	Full Coverage
Average cost in Maryland	$192	$303
Covers damage to your own car	No	Yes
Covers damage to other car	Yes	Yes
Covers vandalism or theft	No	Yes
Required by lender or lessor	No	Yes
Required by Maryland law	Yes	No
Best for	Drivers with older, high-mileage vehicles	Drivers with newer or high-value cars

Disclaimer: Table data is based on real-time Maryland quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Key factors to consider include:

Age and value of your vehicle: If you own an older, high-mileage car with a relatively low replacement value, a liability-only policy may be sufficient. Since newer vehicles are more expensive to replace, insuring them with full coverage is typically a worthwhile investment.
Vehicle financing: You’ll typically need a full-coverage policy if you finance or lease your vehicle.
Local risks: If you frequently drive in heavy traffic or live in an area with a high risk of vehicle theft, a full-coverage policy offers financial protection that liability-only coverage doesn’t.

Is full-coverage car insurance worth it in Maryland?

Considering the state’s high population density, heavy traffic, and high vehicle theft rate, a full-coverage insurance policy can be worth the added cost. A state-minimum liability insurance policy can leave you with coverage gaps and the risk of having to pay out of pocket to repair or replace your vehicle.

For example, say you’re driving through Baltimore on Interstate 95 during a snowstorm and your car slides into a guardrail. With a liability-only policy, there’s no coverage to fix your vehicle, so you’d have to pay for your vehicle repairs out of pocket.

Additionally, the Baltimore-Columbia-Towson metro area ranked No. 19 for vehicle thefts by volume in the first half of 2025, according to Insurify data. If you have a liability-only policy and someone steals your car, no coverage applies.

A full-coverage policy includes comprehensive and collision coverage, which would help pay to repair or replace your vehicle in both scenarios.

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Pros and cons of full-coverage car insurance in Maryland

Pros

Covers non-collision losses: In addition to vehicle theft risk, Maryland drivers face the risk of animal-related collisions. Without full coverage, you’d have to pay for those types of losses out of pocket.
Protects your vehicle: No matter who’s at fault in an accident, a full-coverage policy pays to help repair or replace your vehicle, minus your deductible.
Meets lender requirements: If you finance or lease your vehicle, your financing agreement likely requires you to maintain full-coverage insurance.

Cons

Deductibles apply: Whenever you file a collision or comprehensive insurance claim, you’ll first pay a deductible before your insurance kicks in. Deductibles typically range between $200 and $1,000.
Higher insurance premiums: In Maryland, full-coverage car insurance premiums are significantly higher than liability-only premiums. Additional coverage can put a strain on a tight budget.
Coverage gaps may still exist: Full-coverage policies don’t cover everything. For example, you’ll need to purchase additional coverage if you use your car for business purposes or drive for rideshare companies.

Full-coverage car insurance in Maryland FAQs

See the answers to frequently asked questions below to help you find the best insurance policy in Maryland.

What company has the cheapest full-coverage car insurance in Maryland?

In Maryland, USAA is the cheapest insurer for full-coverage policies, with an average rate of $178 per month.

What is considered full-coverage car insurance in Maryland?

Maryland drivers who want full-coverage insurance typically purchase a policy that includes liability coverage, PIP, uninsured/underinsured motorist protection, collision insurance, and comprehensive coverage.

How does PIP work in Maryland?

Full PIP helps pay for your medical expenses as well as those of your family members, passengers, and any pedestrians you injure in a car accident. The minimum PIP coverage amount is $2,500, but you can increase it — or reject it altogether under certain circumstances. For example, high-risk drivers who purchase coverage through the Maryland Auto Insurance Fund (MAIF) may be eligible for a PIP waiver.

Sources

Maryland Insurance Administration. "Use of Credit History for Auto Insurance."
Maryland Insurance Administration. "A Consumer Guide to Auto Insurance."
MDOT Motor Vehicle Administration. "Auto Insurance Requirements."
Maryland Insurance Administration. "What you need to know about uninsured motorist claims."

Methodology

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:

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

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

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.

Car Insurance in Maryland

Best Car Insurance in Maryland

Direct Auto, Erie, and Progressive offer competitive rates for a variety of drivers in Maryland.

Car Insurance Discounts in Maryland

Maryland state law requires car insurance companies to offer discounts for safe driving. You can also get car insurance discounts for bundling home and auto and serving in the military.

Car Insurance Requirements in Maryland

The minimum coverage requirements in Maryland are 30/60/15 in liability car insurance.

How Much Is Car Insurance in Maryland?

Drivers in Maryland pay an average of $2,971 per year for car insurance.

Rideshare Insurance in Maryland

USAA offers the cheapest full-coverage insurance in Maryland, at $160 per month.

SR-22 Insurance in Maryland: Cost, Requirements, and Cheapest Companies

Maryland doesn’t require SR-22 insurance filings, but the average monthly cost for high-risk insurance coverage is $278.

Cheap Car Insurance for Low-Income Drivers in Maryland

Allstate has the cheapest liability car insurance in Maryland, with an average liability rate of $116 per month.

Cheapest Liability Car Insurance in Maryland

Maryland drivers can find the cheapest liability-only car insurance from Allstate, with rates of $116 per month.

Non-Owner Car Insurance in Maryland

If you regularly drive someone else’s vehicle, non-owner car insurance can protect you financially.

Cheapest Car Insurance Quotes in Maryland

Allstate has the cheapest liability rates in Maryland, with coverage as low as $116 per month. Compare real car insurance quotes from top companies in Maryland. No calls, no spam, and you can buy online with help from our licensed agents.

Cities in Maryland

Cheap Car Insurance Quotes in Baltimore (September 2026)

USAA offers the cheapest insurance in Baltimore, with average monthly rates of $202. Baltimore ranked No. 19 for vehicle thefts in the first half of 2025.

Cheapest Auto Insurance in Columbia, Maryland

USAA offers the cheapest car insurance in Columbia, with minimum-coverage policies as low as $119 per month.

Cheapest Auto Insurance in Frederick, Maryland

USAA is the cheapest car insurance company in Frederick, with monthly liability rates as low as $93.

Cheapest Auto Insurance in Glen Burnie, Maryland

USAA has the cheapest liability insurance rate in Glen Burnie, starting at $122 per month.

Cheapest Car Insurance Quotes in Silver Spring, Maryland (September 2026)

The cheapest car insurer in Silver Spring is USAA, with an average monthly liability rate of $126. Premiums are higher than in larger nearby cities due to Silver Spring’s high population density.

Written byKat TretinaInsurance and Personal Finance Writer

Kat TretinaInsurance and Personal Finance Writer

9+ years in personal finance writing
Certified Financial Counselor

Kat Tretina is a personal finance writer specializing in debt repayment and insurance.

Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.

For the past seven years, she’s been freelancing for major financial publications such as Yahoo! Finance, FinanceBuzz, Forbes Advisor, and more. Her work focuses on helping people understand their financial options, including their insurance choices. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.

Cheap Full-Coverage Car Insurance in Maryland (2026)

Maryland drivers can find the cheapest full-coverage car insurance from USAA, with an average rate of $178 per month.