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Updated November 29, 2022
Maryland drivers live in the ninth most-expensive state for buying car insurance, and they pay an average of $320 per month, based on our internal data. The average national rate, for comparison, is just $233 per month. But finding cheap car insurance is possible by comparing quotes online, even in a state with higher-than-average premiums.
Seventy-seven percent of drivers are actively shopping for car insurance to find the best rates, according to J.D. Power. Maryland is sometimes referred to as America in Miniature for its wide range of topography, including oak forests, mountains, marshlands, and sandy dunes.
The average cost of car insurance in Maryland is $320/mo.
Travelers is the cheapest provider in Maryland, with average rates of $163/mo.
The easiest way to cut car insurance costs is to compare quotes online.
Table of contents
- Cheapest Car Insurance in Maryland
- Minimum car insurance requirements in Maryland
- Tips for getting cheap car insurance in Maryland
- Liability-only vs. full-coverage insurance in Maryland
- How your driving history affects Maryland car insurance rates
- How credit scores affect Maryland car insurance quotes
- How your city affects Maryland insurance quotes
- How your age affects your Maryland car insurance rates
- Maryland car insurance FAQs
- Insurify Insights
Best cheap car insurance in Maryland: Travelers
Best Cheap Car Insurance in Maryland
The best cheap car insurance companies in Maryland are Travelers, USAA, and GEICO. All three insurance providers boast high Insurify Composite Scores (ICS) and offer significantly lower monthly insurance premiums than Maryland’s average of $320. The table below shows additional insurance providers in Maryland with low rates and high ratings.
|Car Insurance Company||Insurify Composite Score||Average Monthly Quote|
|Midvale Home & Auto||N/A||$317|
Learn More: Best Car Insurance Companies
Insurify Composite Score
Insurify’s data scientists generate the Insurify Composite Score, a proprietary rating, by weighing multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.
Minimum car insurance requirements in Maryland
Maryland requires insurance for all motor vehicles operated or parked on the state’s roadways. You must carry proof of insurance in your car at all times and must have it available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Maryland are:
$30,000 per person/$60,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Maryland is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
$15,000 per accident for property damage: If the authorities determine an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
$2,500 per accident for PIP: Personal injury protection coverage, also referred to as PIP coverage, will cover you for medical payments you incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.
$60,000 per accident for uninsured/underinsured motorist bodily injury and $15,000 per accident for uninsured/underinsured motorist property damage: Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance. Maryland requires you to purchase this coverage for both bodily injury and property damage.
Maryland DMV information
At the Maryland Motor Vehicle Administration, or MVA, residents can access services like registering and renewing their driver’s licenses and identification cards, vehicle registration, and license plate pickup. The MVA has branches throughout the state and operates during regular office hours, typically from 8:30 a.m. to 4:30 p.m. The MVA also offers online services.
Public transportation in Maryland
The Maryland Transit Authority (MTA) provides 80 bus lines that cater to Baltimore’s public transportation needs. Baltimore also offers additional services like the Light-Rail, Metro Subway, and MARC Train. The Charm City Circulator also operates no-cost options. This fleet of 24 shuttles is completely free and travels four routes in Baltimore’s central business district.
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Tips for getting cheap car insurance in Maryland
While car insurance in Maryland is more expensive than the national average, drivers in the state can find affordable rates. Maintaining a clean driving record, having a good credit score, and comparing car insurance quotes before purchasing a policy are some ways that Maryland drivers can save on their car insurance costs.
You may also qualify for certain discounts, such as:
Paying your premium in full, rather than monthly
Bundling your home and auto insurance with the same company
Safe driver discount
Good student discount
Liability-only vs. full-coverage insurance in Maryland
If you live in Maryland, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:
You have a low-value vehicle.
You can afford to repair or replace your car out of your own pocket.
Getting the cheapest insurance possible is your top priority.
For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.
You may also opt for full coverage if:
You have a high-value vehicle.
You wouldn’t be able to afford to repair or replace your car out of pocket.
Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.
Here’s a look at the cheapest auto insurance in Maryland by policy type.
|Car Insurance Company||Average Monthly Quote: Liability||Average Monthly Quote: Full Coverage|
|Midvale Home & Auto||$173||$317|
How your driving history affects Maryland car insurance rates
Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Maryland. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.
Here’s a look at average monthly quotes for the cheapest car insurance in Maryland based on driving and accident history.
See More: High-Risk Car Insurance Maryland
|Car Insurance Company||Clean Record||At-Fault Accident||With a DUI||Speeding Ticket|
|Midvale Home & Auto||$277||$435||$649||$401|
See More: DUI Car Insurance Maryland
SR-22 insurance in Maryland
An SR-22 is a form that you or your car insurance company can file with your state to prove that your auto insurance policy meets the minimum coverage required by state law. Some states — including Maryland — require drivers to get this. Or, courts may order drivers to secure an SR-22 if their license has been suspended or revoked. The insurance companies below offer SR-22 forms in Maryland:
How credit scores affect Maryland car insurance quotes
In Maryland, car insurance companies can consider credit scores only when setting rates on new policies. But they can’t use them to deny coverage, cancel coverage, refuse a renewal, or increase rates at renewal time. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.
|Credit Tier||Average Monthly Quote|
See More: Bad Credit Car Insurance Maryland
How your city affects Maryland insurance quotes
Car insurance costs in Maryland vary from city to city because ZIP code is another factor that insurance companies take into account when calculating rates. Drivers who live in more densely populated or urban areas, like Baltimore, will likely pay more than residents in less densely populated suburban areas.
|City||Average Monthly Quote|
How your age affects your Maryland car insurance rates
Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.
The following table gives a high-level view of how age can affect insurance rates.
Quotes for younger drivers
Multiple other factors influence how much drivers in each age group will pay for car insurance. Some increase rates for one age group more than another, while others impact all age groups evenly.
The following table compares how different insurance factors affect average monthly rates for drivers younger than 30. Safeco, Travelers, and State Auto offer young drivers in Maryland the lowest average rates for liability insurance. Travelers also provides the cheapest average rate for full-coverage policies.
|Car Insurance Company||Liability Only||Full Coverage||With an Accident||With a DUI|
|Midvale Home & Auto||$245||$429||$478||$774|
Quotes for middle-aged drivers
The following table compares how different insurance factors affect average monthly rates for drivers between 30 and 59. Middle-aged drivers in Maryland find the cheapest average rates for full-coverage insurance from Travelers, SafeAuto, and Kemper Preferred. On average, middle-aged drivers in Maryland pay between $245 and $298 per month.
|Car Insurance Company||Liability Only||Full Coverage||With an Accident||With a DUI|
|Midvale Home & Auto||$162||$255||$324||$454|
Quotes for senior drivers
The following table compares how different insurance factors affect average monthly rates for drivers 59 and older. Drivers in their 60s, 70s, and 80s pay the lowest rates by age group in Maryland. The cheapest average monthly rates for liability insurance include $109 from Travelers, $115 from Safeco, and $120 from Liberty Mutual.
|Car Insurance Company||Liability Only||Full Coverage||With an Accident||With a DUI|
|Midvale Home & Auto||$138||$204||$268||$368|
Maryland car insurance FAQs
The car insurance companies with the cheapest premiums in Maryland are Travelers, USAA, and GEICO. Travelers offers average monthly rates of $163, and drivers who select coverage with USAA pay $176 per month. Policyholders with GEICO pay higher rates of $207 per month. Cheap rates are also available from smaller insurers like Kemper Preferred and Safeco.
In addition to having the cheapest overall quote in the state, Travelers consistently ranks as the cheapest auto insurer for driver categories by coverage level and driver history. The best auto insurer for you, however, depends on your specific insurance needs.
Around 18% of drivers in Maryland have an incident in their recent driving history. The state ranks as the 30th-safest state for driving in the country. The prevalence of various driving incidents in the state may result in auto insurers increasing rates for drivers statewide. Specifically, Maryland drivers rank 22nd in number of speeding tickets and sixth in accidents.
The state’s minimum insurance requirements exceed typical requirements in other states, which leads to increased costs. Many states, for example, require $25,000 per person and $50,000 per accident for bodily injury liability, whereas Maryland requires $30,000 per person and $60,000 per accident. The state also requires PIP and uninsured/underinsured motorist coverage.
On average, Maryland drivers pay $320 per month for car insurance, exceeding the national average rate by $87 per month. The state is the eighth most-expensive state for purchasing car insurance in the country. Maryland drivers face higher rates than drivers in Virginia, West Virginia, Delaware, and Pennsylvania, but pay less than drivers in Washington, D.C.
Individual factors like driving history, age, credit history, city of residence, and coverage level influence car insurance rates. Industry-wide changes related to inflation, supply chain issues, and driver behavior have also been causing some auto insurers to implement rate changes. Between July 2021 and July 2022, average rates in Maryland increased by around 16%, according to our data.
Based on our data-backed Insurify Composite Scores (ICS), the best car insurance company in Maryland is USAA. With a monthly average rate of $176, USAA earned the highest ICS at 96. USAA technically ranked above average in overall customer satisfaction in the J.D. Power 2022 U.S. Auto Insurance Study, despite not being eligible for the study award criteria.
American Family has an ICS of 89, scored above average in the 2022 J.D. Power study, and offers drivers an average rate of $246 per month. Both State Farm and GEICO have an ICS of 88. Drivers spend $207 per month with GEICO and $220 per month with State Farm.
Yes, you do need personal injury protection (PIP) coverage in Maryland to legally operate your vehicle. All drivers must purchase a minimum of $2,500 per accident for PIP coverage. This coverage type insures drivers against any medical payments they need to cover in the event of an auto accident.
Specifics vary based on your chosen plan and auto insurance provider, but some companies also provide non-medical compensation as part of PIP coverage for lost wages, household expenses, and funeral costs. MedPay coverage is similar to PIP coverage but is not required in Maryland.
Yes, car insurance is required in Maryland. Specifically, drivers need:
$30,000 per person and $60,000 per accident for bodily injury
$15,000 per accident for property damage
$2,500 per accident for PIP coverage
$60,000 per accident for uninsured/underinsured motorist bodily injury
$15,000 per accident for uninsured/underinsured motorist property damage
Bodily injury and property damage liability cover medical bills and costs of repairs for people other than the insured driver, while PIP coverage covers medical bills for the insured. Uninsured/underinsured motorist coverage protects the insured if they’re in an accident with someone who has little or no insurance. Maryland requires more coverage than other states.
In most cases, Maryland car insurance follows the vehicle rather than the driver. This means that your vehicle will be insured even if someone other than you drives and crashes the car. Because most coverage is tied to the vehicle of the insured, the coverage will still apply. If the driver who crashed the vehicle is insured, their coverage may apply as secondary coverage.
Even though your coverage follows your vehicle, you should generally avoid letting unlicensed or uninsured drivers borrow your car to avoid complications. Unlicensed drivers, for example, face heavy legal and financial penalties for operating vehicles.
Full-coverage car insurance in Maryland includes multiple coverage types. Drivers with expensive vehicles or living in particularly high-risk areas may consider buying it. This coverage includes liability insurance, collision coverage, and comprehensive coverage. Optional add-ons and endorsements are also available and vary by auto insurer.
Liability insurance covers policyholders in the event that they’re responsible for any bodily injury or property damage after an accident, as well as coverage for their own medical payments. Collision insurance covers the vehicle if there is an accident, and comprehensive insurance applies after vandalism, natural disaster, and theft.
How Maryland Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Maryland below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Maryland drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Most Popular Car in Maryland
State with the Most Speeding Tickets Rank
State with the Moving Violations Rank
State with the Most DUIs Rank
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Maryland is the #6 state in the country for drivers with an at-fault accident on their driving record.
- Rank among states: #6
- Percent of drivers in Maryland with an accident: 10.3%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Maryland is the #43 state in the country for drivers with a prior drunk driving conviction.
- Rank among states: #43
- Percent of drivers in Maryland with a DUI: 1%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Maryland is the #47 state in the country for drivers with a reckless driving offense on record.
- Rank among states: #47
- Percent of drivers in Maryland with a reckless driving offense: 0.8%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Maryland is the #48 state in the country for drivers with a rude driving violation on record.
- Rank among states: #48
- Percent of drivers in Maryland with a rude driving violation: 0.9%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Maryland is the #22 state in the country for drivers with a speeding ticket on record.
- Rank among states: #22
- Percent of drivers in Maryland with a speeding ticket: 8.8%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Maryland is the #34 state in the country for drivers with a failure to yield violation on record.
- Rank among states: #34
- Percent of drivers in Maryland with a failure to yield violation: 0.1%
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
- J.D. Power. "J.D. Power Launches Real-Time Auto Insurance Customer Loyalty Tracking Capability." Accessed September 13, 2022
- State of Maryland. "Famous Facts About Maryland." Accessed November 15, 2022
- Maryland Department of Transportation. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
- Insurance Information Institute. "Automobile Financial Responsibility Laws By State." Accessed September 20, 2022