Cheapest Car Insurance Quotes in Maryland
Allstate has the cheapest liability rates in Maryland, with policies averaging $116 per month. Compare real car insurance quotes from top companies in Maryland.
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Writer: Elizabeth RivelliFreelance Insurance Writer
Writer: Elizabeth RivelliFreelance Insurance Writer
Qualifications:
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
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.
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Maryland car insurance at a glance
Cheapest car insurance company in Maryland: Allstate
Cheapest car insurance rate in Maryland: $116
Average monthly liability-only car insurance cost in MD: $192
Average monthly full-coverage car insurance cost in MD: $303
Cheapest car insurance quotes in Maryland
To find the cheapest car insurance in Maryland, Insurify analyzed millions of quotes from 120+ companies. The sample profile is a driver with a clean record and good-to-excellent credit.
Based on Insurify’s quote data, the cheapest insurers in Maryland are Allstate, USAA, and Direct Auto.
The below rates in Maryland are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev)
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $57 | $102 |
| USAA | $77 | $137 |
| Erie | $87 | $156 |
| Elephant | $88 | $138 |
| CSAA | $95 | $135 |
| GEICO | $104 | $173 |
| Progressive | $105 | $147 |
| Allstate | $113 | $216 |
| Direct Auto | $115 | $209 |
| Safeco | $119 | $178 |
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.
Best-rated insurance companies in Maryland
Many reputable car insurance companies serve drivers in Maryland, but not every company is the best for every driver. Below are some of the top-rated insurers in Maryland based on user reviews Insurify collected from real customers.
Best for full coverage: CSAA
| User Reviews | 4.6 |
|---|---|
| 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. | 8.5 /10 |
| 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. | $215/mo |
4.6
Best choice in MarylandBased on 2,370 verified driver reviews and ratings
CSAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.2 | 2.9 |
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
Based on analysis of verified reviews collected by Insurify
Best in Maryland for
Showing recent national reviews
Verified Review
Reviewed in New York on September 24, 2026
Great claims department.
Verified Review
Reviewed in Utah on September 17, 2026
I think I pay too much, but if I were to change brokers, I’d want the same coverage.
Verified Review
Reviewed in Connecticut on September 11, 2026
Other than making payments, I haven’t had any claims. The only other issue was when my wife, the second driver, surrendered her license due to illness, and the company wanted to double my premiums.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
667
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28
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
CSAA offers some of the lowest full-coverage insurance premiums in the Old Line State. The insurer is part of the AAA family of companies, which insures drivers in Maryland, 22 other states, and Washington, D.C.
Pros
Cheap full-coverage rates in Maryland
Above-average J.D. Power customer satisfaction rating in the Mid-Atlantic region
Fewer complaints than expected with the National Association of Insurance Commissioners (NAIC)
Cons
Must be AAA member to get car insurance
Doesn’t advertise coverage options and discounts on website
No online policy sales
Best for minimum coverage: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | $118/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. | $178/mo |
4.9
Best choice in MarylandBased on 4,354 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Maryland for
Showing 7 reviews from Maryland driversSee all 1,708 USAA reviews
Verified Review
Reviewed in Maryland on September 10, 2026
My coverage hasn’t gone up or down in the last five years. In some instances, they are very easy to work with, but when they feel they’re not getting what they want (which isn’t required), they won’t approve any claims until you answer their questions.
Verified Review
Reviewed in Maryland on September 6, 2026
Their communication is terrible, but if you talk to someone on the phone, they’re helpful.
Verified Review
Reviewed in Maryland on August 25, 2026
Don’t get into an accident—your rates will soar.
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
Drivers stationed at Maryland military installations, such as Fort Meade or Joint Base Andrews, often get low-cost liability-only coverage from USAA. The company also gets high marks for customer satisfaction.
Pros
Low rates for state-minimum coverage
Excellent J.D. Power customer satisfaction rating in the Mid-Atlantic region
Many discounts, including two usage-based insurance programs
Cons
Available only to eligible military drivers
Few endorsements available
No in-person agents in Maryland
Best for savings: Progressive
| 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. | $172/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. | $244/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in Maryland for
Showing 34 reviews from Maryland driversSee all 9,134 Progressive reviews
Verified Review
Reviewed in Maryland on September 27, 2026
Terrible! They paid the hit-and-run driver using my insurance before getting the police report.
Verified Review
Reviewed in Maryland on September 22, 2026
Progressive doesn’t stand by you when you’re in the right. They paid out for an accident that wasn’t my fault, and they didn’t provide vehicle photos as proof of damage. Progressive paid out anyway and increased my payment by $300. I’ve also been a loyal customer.
Verified Review
Reviewed in Maryland on September 22, 2026
Just joined, but I can say they’re $400 cheaper than Progressive.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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
Progressive offers one of the largest selections of auto insurance discounts in Maryland, including savings for claim-free drivers, online quote customers, policy bundling, young drivers, good students, homeowners, continuous insurance, and more.
Pros
Large selection of car insurance discounts
Many endorsements for customizable coverage
Online quotes and policy sales
Cons
Below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region
Poor J.D. Power claims satisfaction score
Average rates in Maryland are higher than those of some competitors
Best for customer satisfaction: Erie
| User Reviews | 4.4 |
|---|---|
| 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. | 8.4 /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. | $172/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. | $260/mo |
4.4
Best choice in MarylandBased on 557 verified driver reviews and ratings
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
Based on analysis of verified reviews collected by Insurify
Best in Maryland for
Showing 5 reviews from Maryland driversSee all 242 Erie Insurance reviews
Verified Review
Reviewed in Maryland on July 15, 2026
It keeps increasing, but my auto rate went down a bit this year.
Verified Review
Reviewed in Maryland on April 12, 2026
Great customer service and great agent.
Verified Review
Reviewed in Maryland on March 2, 2026
Prices seem in line and fair. I like being able to pay for full-year coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
713
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68
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
Erie is the top-rated insurer in the Mid-Atlantic region in J.D. Power’s 2026 U.S. Auto Insurance Study. Erie received a score of 704/1,000, which is much higher than the study average of 651.
Pros
Highest-rated insurer in the Mid-Atlantic region for customer satisfaction by J.D. Power
Built-in policy features, like first accident forgiveness and glass coverage
Agents located across Maryland
Cons
Slightly higher number of complaints than expected
AM Best financial strength rating is lower than that of some competitors
Can’t purchase a policy online
How we chose the best companies
We evaluated insurers operating in Maryland using a combination of Insurify customer reviews, financial strength ratings, claims satisfaction studies, complaint ratios, coverage options, and pricing data. We also considered factors particularly relevant to Maryland drivers, including urban congestion, vehicle theft trends, and the availability of local agents throughout the state.
How much is car insurance in Maryland?
The average cost of car insurance in Maryland is $192 per month for liability coverage and $303 for full coverage, according to Insurify data. Drivers in Maryland pay significantly higher rates than the U.S. national averages of $98 for liability coverage and $187 for full-coverage insurance.
With roughly 3,200 miles of coastline, Maryland’s geography makes it especially prone to flooding.[1] That’s one of the reasons rates are higher in Maryland than in neighboring states, like Pennsylvania and Virginia.
Find Cheap Car Insurance in Maryland
Liability policies average $192/mo. in the Old Line State
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Average car insurance quotes in Maryland cities
Car insurance quotes in Maryland vary by city and ZIP code. The following table shows the average car insurance premiums in different Maryland cities.
The below rates in Maryland are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Hagerstown | $137 | $225 |
| Frederick | $142 | $236 |
| Annapolis | $162 | $258 |
| Rockville | $173 | $267 |
| Gaithersburg | $176 | $275 |
| Columbia | $177 | $304 |
| Glen Burnie | $194 | $303 |
| Laurel | $199 | $316 |
| Silver Spring | $201 | $312 |
| Upper Marlboro | $208 | $352 |
| Baltimore | $346 | $475 |
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.
Certain cities have higher rates than others due to factors such as higher accident rates, greater traffic congestion, and severe weather risks. Below are the five most expensive cities for car insurance in Maryland.
The below rates in Maryland are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Glen Burnie | $194 | $303 |
| Laurel | $199 | $316 |
| Silver Spring | $201 | $312 |
| Upper Marlboro | $208 | $352 |
| Baltimore | $346 | $475 |
On-the-spot guidance from licensed insurance experts
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Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Qualifications:
Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
)
Anuj DesaiLicensed Property & Casualty Insurance Agent
Anuj DesaiLicensed Property & Casualty Insurance Agent
Qualifications:
Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
)
Brett ClendenenLicensed P&C Insurance Agent and Sales Manager
Brett ClendenenLicensed P&C Insurance Agent and Sales Manager
Qualifications:
Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
Why you should compare car insurance quotes in Maryland
Car insurance rates in Maryland depend on many factors, including your ZIP code, age, credit score, driving record, and vehicle type. Maryland insurance companies also charge different rates for the same amount of coverage.
To find the cheapest auto insurance in Maryland, it’s a good idea to compare personalized rates from several insurers. Below are a few tips for getting the most accurate quotes:
Compare rates for the same type of coverage (full coverage or liability only).
Use the same deductible when getting rates for full coverage.
Enter your vehicle identification number (VIN), rather than just the make and model.
Answer truthfully when asked about your driving record, mileage, and accident history.
Maryland car insurance requirements
Like most states, Maryland requires a minimum amount of liability car insurance to legally drive. The Maryland car insurance requirements are:[2]
Coverage Type | Maryland Minimum Requirement |
|---|---|
| Bodily injury liability | $30,000 per person/$60,000 per accident |
| Property damage liability | $15,000 per accident |
| Uninsured motorist bodily injury liability | $30,000 per person/$60,000 per accident |
| Uninsured motorist property damage liability | $15,000 per accident |
Car insurance companies in Maryland must offer at least $2,500 in personal injury protection (PIP), which covers your medical expenses after an accident (regardless of fault) and 85% of lost wages due to your injuries.[3] However, drivers may waive PIP coverage.
Agent Tip: Does liability-only coverage offer enough protection?
“Liability-only coverage won’t pay to repair your car if you’re at fault in an accident. Unless you can afford to replace your car out of pocket, consider buying a policy with comprehensive and collision coverage, even if you choose high deductibles.”
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Brett ClendenenLicensed P&C Insurance Agent and Sales Manager
How to find the cheapest Maryland car insurance
Below are some tips for getting cheap car insurance in Maryland:
Consider Maryland Auto Insurance. High-risk drivers in Maryland who can’t get insurance on the voluntary market can get guaranteed coverage through Maryland Auto Insurance.
Avoid tickets and accidents. More than 4% of Maryland drivers have a speeding ticket, and 5.27% have been in an accident, according to Insurify data. Having a clean driving record and avoiding violations and accidents can lower your premium.
Increase your deductible. Roughly 32% of Maryland drivers have a lien on their vehicle, according to Insurify data. Most lenders will require you to carry full coverage if you finance or lease your car. Choosing higher deductibles for comprehensive and collision coverage can lower your monthly premiums.
Drop coverages you no longer need. If you drive an older car that has depreciated significantly, you might be able to drop full coverage.
Improve your credit. Maryland insurers use credit-based insurance scores to calculate rates. Improving your credit could help you get a reduced premium.
Compare Maryland Car Insurance Quotes
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Find quotes for your driver profile
Car insurance quotes in Maryland vary based on your unique driving profile. Below, you can see auto insurance quotes for your driver profile and coverage types.
Maryland car insurance guides
Best Car Insurance in Maryland
Car Insurance Discounts in Maryland
Car Insurance Requirements in Maryland
Cheap Car Insurance for Low-Income Drivers in Maryland
Cheapest Liability Car Insurance in Maryland
How Much Is Car Insurance in Maryland?
Non-Owner Car Insurance in Maryland
Rideshare Insurance in Maryland
SR-22 Insurance in Maryland: Cost, Requirements, and Cheapest Companies
How car insurance costs have changed in Maryland
Maryland is the second most expensive state for auto insurance in the U.S., according to Insurify data.
While average premiums dropped by 9% in 2025, this follows a significant increase in statewide rates in 2024. For 2026, Insurify predicts that rates in Maryland will drop by just 0.2%.
Average Maryland Car Insurance Rates Over the Past Five Years
State Name | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 | 2026-06 | 2026-07 | 2026-08 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Maryland | 2,096 | 2,098 | 2,095 | 2,099 | 2,099 | 2,085 | 2,081 | 2,090 | 2,115 | 2,135 | 2,130 | 2,132 | 2,139 | 2,132 | 2,143 | 2,146 | 2,157 | 2,163 | 2,187 | 2,223 | 2,240 | 2,279 | 2,337 | 2,377 | 2,420 | 2,471 | 2,551 | 2,576 | 2,630 | 2,713 | 2,815 | 2,887 | 2,995 | 3,136 | 3,280 | 3,473 | 3,654 | 3,779 | 3,785 | 3,838 | 3,893 | 3,903 | 3,917 | 3,948 | 3,945 | 3,951 | 3,936 | 3,862 | 3,806 | 3,736 | 3,652 | 3,617 | 3,586 | 3,553 | 3,555 | 3,571 | 3,606 | 3,624 | 3,637 | 3,623 | 3,638 |
| United States | 1,555 | 1,557 | 1,561 | 1,564 | 1,566 | 1,568 | 1,571 | 1,577 | 1,591 | 1,602 | 1,607 | 1,612 | 1,617 | 1,623 | 1,631 | 1,639 | 1,650 | 1,665 | 1,689 | 1,719 | 1,758 | 1,803 | 1,850 | 1,888 | 1,919 | 1,956 | 1,983 | 2,006 | 2,037 | 2,076 | 2,127 | 2,194 | 2,238 | 2,299 | 2,341 | 2,368 | 2,390 | 2,387 | 2,374 | 2,370 | 2,361 | 2,351 | 2,367 | 2,368 | 2,367 | 2,356 | 2,342 | 2,318 | 2,285 | 2,258 | 2,228 | 2,215 | 2,221 | 2,222 | 2,224 | 2,233 | 2,238 | 2,237 | 2,238 | 2,239 | 2,241 |
Maryland car insurance FAQs
If you’re shopping for cheap car insurance in Maryland, below you’ll find additional information to help you compare quotes and coverage.
What is the cheapest auto insurance in Maryland?
Allstate has the cheapest average liability-only insurance rate in Maryland, at $116 per month. USAA has the lowest car insurance rate in Maryland for full coverage, at an average of $178 per month, according to Insurify data.
Is Maryland a no-fault state?
No, Maryland is an at-fault state. If you’re in an accident in Maryland, the at-fault driver’s insurance compensates the other person for their injuries and property damage.
What happened to the MAIF?
The Maryland Auto Insurance Fund (MAIF) is still around, but it was rebranded as Maryland Auto Insurance. It’s still the same organization that provides car insurance to Maryland drivers who can’t get coverage on the private market.
Do you need uninsured motorist coverage in Maryland?
Yes. Maryland requires all drivers to carry uninsured motorist coverage for bodily injuries and property damage. But you can file an uninsured motorist claim only if another driver is found to be 100% at fault for the collision.[4]
What is considered ‘full coverage’ in Maryland?
A full-coverage policy in Maryland typically includes liability insurance, collision insurance, comprehensive insurance, and uninsured motorist insurance. Some drivers choose to add other coverages, like medical payments or roadside assistance, for greater financial protection.
Sources
- Maryland Department of Emergency Management. "Are you in a Flood Prone Area?."
- Maryland Motor Vehicle Administration. "Auto Insurance Requirements in Maryland."
- Maryland Insurance Administration. "Required Notice of Personal Injury Protection (PIP) Coverage and Options Selection Form."
- 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
- 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.
Related articles
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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.
)
Best Car Insurance in Maryland
Direct Auto, Erie, and Progressive offer competitive rates for a variety of drivers in Maryland.
Maryland Car Insurance Requirements in 2026
Maryland requires liability insurance with limits of 30/60/15, uninsured/underinsured motorist coverage, and at least $2,500 in personal injury protection.
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.
Classic Car Insurance in Maryland
To qualify for classic car insurance in Maryland, your vehicle typically needs to be at least 25 years old. You also need to comply with usage restrictions and maintain a clean driving record to qualify for classic car coverage.
Temporary Car Insurance in Maryland (September 2026)
You can’t buy a temporary car insurance policy in Maryland, but you still have some short-term coverage options, such as early cancellation and usage-based insurance.
Cheap Full-Coverage Car Insurance in Maryland
Maryland drivers can find the cheapest full-coverage car insurance from USAA, with an average rate of $178 per month.
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.
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Cheapest Liability Car Insurance in Maryland
Maryland drivers can find the cheapest liability-only car insurance from Allstate, with rates of $116 per month.
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Non-Owner Car Insurance in Maryland
If you regularly drive someone else’s vehicle, non-owner car insurance can protect you financially.
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.
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Cheapest Auto Insurance in Columbia, Maryland
USAA offers the cheapest car insurance in Columbia, with minimum-coverage policies as low as $119 per month.
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Cheapest Auto Insurance in Frederick, Maryland
USAA is the cheapest car insurance company in Frederick, with monthly liability rates as low as $93.
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Cheapest Auto Insurance in Glen Burnie, Maryland
USAA has the cheapest liability insurance rate in Glen Burnie, starting at $122 per month.
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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.
Writer: Elizabeth RivelliFreelance Insurance Writer
Writer: Elizabeth RivelliFreelance Insurance Writer
Qualifications:
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
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.