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25 Years of insurance experience
57M Quotes reviewed
136 Insurance providers evaluated
34.5K ZIP codes analyzed

If you’re looking for car insurance rates in Maryland, the average annual premium is $1,746, per year or $145 monthly. This contrasts with the national average of $1,895, highlighting a variation of $149. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.

This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Maryland, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes.

Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget.

Key Takeaways

  • The average car insurance cost in Maryland is $1,746 per year, based on Insure.com’s analysis.
  • In Maryland, the average premium for car insurance is $145 per month.
  • Geico has the cheapest car insurance rates in Maryland, at an average annual rate of $1,262 a year.

Average car insurance cost in Maryland per month

In Maryland, car insurance costs around $145 per month on average.

It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in Maryland, it’s wise to obtain quotes from multiple firms.

Cheapest car insurance companies in Maryland

According to Insure.com’s rate analysis, Geico offers the most affordable car insurance premiums in Maryland. The average annual cost is $1,262, or $105 per month. The second-best option available is Nationwide, offering insurance at an average cost of $114 per month.

The table below lists the other available car insurance companies that offer car insurance in Maryland, along with their average cost per month and average annual cost.

Affordable car insurance providers in Maryland

Graph
Table
Company nameAverage per month costAverage annual cost
Geico$105$1,262
Nationwide$114$1,363
Travelers$127$1,523
Kemper$134$1,603
Erie Insurance$140$1,685
Progressive$158$1,895
Penn National Insurance$159$1,911
State Farm$181$2,177
Allstate$259$3,108
USAA$87$1,043

Read our guide to cheap car insurance companies

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

Average cost of car insurance by coverage levels in Maryland

The extent of coverage you opt for directly influences the cost of car insurance in Maryland. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.

Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Maryland would be $756.

As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Maryland amounts to $1,746.

For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In Maryland, the average annual cost for non-owner state minimum liability coverage stands at $438.

For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $727 annually in Maryland.

1State minimum:$727
2Liability only:$756
3Full coverage:$1,746
4Non-owners:$438

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Maryland by city

Average car insurance cost in Maryland by city

Your car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.

The table below depicts the top popular cities in Maryland:

CityAverage annual cost
Annapolis$1,725
Baltimore$2,345
Bowie$1,950
College Park$2,130
Frederick$1,516
Gaithersburg$1,740
Hagerstown$1,477
Laurel$1,928
Rockville$1,712
Salisbury$1,531

Average car insurance cost in Maryland by age of the driver

Age plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in Maryland is $3,000, whereas for seniors, it’s $1,803. The rate for young drivers surpasses that of senior drivers by $1,197.

Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.

Average car insurance cost in Maryland for young drivers

For female young drivers in Maryland, the average annual car insurance cost is $2,782, and $232 per month. Conversely, male young drivers face an average annual rate of $3,219, and $268 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driver Average annual cost for Male drivers Average annual cost for Female drivers
20 $4,312 $3,623
21 $3,432 $2,910
22 $3,093 $2,681
23 $2,737 $2,381
24 $2,529 $2,315

Average car insurance cost in Maryland for senior drivers

For senior female drivers in Maryland, the annual cost of car insurance is $1,775, or $148 per month. Similarly, male senior drivers face an annual insurance rate of $1,832, or $153 per month.

Age of driver Average annual cost for Male drivers Average annual cost for Female drivers
65 $1,788 $1,736
70 $1,831 $1,773
75 $1,875 $1,816

Read more about senior car insurance

Minimum car insurance requirements in Maryland

Every state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the Maryland Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in Maryland:

  • Bodily injury per person: $30,000
  • Bodily injury per accident: $60,000
  • Personal property coverage per person: $15,000

Cheapest cars to insure in Maryland

Mazda CX-30 owners pay less for car insurance, around $1,613 per year.

Chevrolet TrailBlazer follows closely with an annual premium of $1,626. The annual difference in insurance costs between these two models amounts to $13.

MakeModelAverage annual premium
MazdaCX-30$1,613
ChevroletTrailBlazer$1,626
HondaHR-V$1,632
FordMaverick$1,649
SubaruForester$1,655
VolkswagenTaos$1,655
ToyotaCorolla Cross$1,663
BuickEncore GX$1,677
SubaruCrosstrek$1,680
HyundaiVenue$1,682

Most expensive cars to insure in Maryland

The most expensive car to insure on the list is the Maserati Quattroporte Trofeo, which has an average annual premium of $5,666. However, the difference between the cheapest and most expensive cars to insure is $4,053 annually.

MakeModelAverage annual premium
MaseratiQuattroporte Trofeo$5,666
MaseratiQuattroporte$5,487
PorscheTaycan GTS$5,403
MaseratiGhibli Trofeo$5,367
PorscheTaycan Turbo$5,052
MaseratiLevante Trofeo$5,043
TeslaModel S Plaid$5,016
PorschePanamera Turbo S E-Hybrid$4,885
PorscheTaycan$4,858
TeslaModel X Plaid$4,702

Methodology

The Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.

57M

Quotes reviewed

136

No. of carriers analyzed

34.5K

ZIP codes analyzed

How much is car insurance in other states

Alaska$1,676/Year
Alabama$1,860/Year
Arkansas$1,957/Year
Arizona$1,812/Year
California$2,416/Year
Colorado$2,337/Year
Connecticut$1,725/Year
Delaware$2,063/Year
Florida$2,694/Year
Georgia$1,970/Year
Hawaii$1,517/Year
Iowa$1,630/Year
Idaho$1,428/Year
Illinois$1,532/Year
Indiana$1,515/Year
Kansas$1,900/Year
Kentucky$2,228/Year
Louisiana$2,883/Year
Massachusetts$1,726/Year
Maine$1,175/Year
Michigan$2,352/Year
Minnesota$1,911/Year
Missouri$1,982/Year
Mississippi$2,008/Year
Montana$2,193/Year
North Carolina$1,741/Year
North Dakota$1,665/Year
Nebraska$1,902/Year
New Hampshire$1,265/Year
New Jersey$1,902/Year
New Mexico$2,049/Year
Nevada$2,060/Year
New York$1,870/Year
Ohio$1,417/Year
Oklahoma$2,138/Year
Oregon$1,678/Year
Pennsylvania$1,872/Year
Rhode Island$2,061/Year
South Carolina$2,009/Year
South Dakota$2,280/Year
Tennessee$1,677/Year
Texas$2,043/Year
Utah$1,825/Year
Virginia$1,469/Year
Vermont$1,319/Year
Washington$1,608/Year
Wisconsin$1,664/Year
West Virginia$2,005/Year
Wyoming$1,758/Year
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