Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Maryland Average car insurance cost in Maryland The average premium for car insurance in Maryland is $1,746 per year or $145 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: September 9, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 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 $1,682, 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.Summary of average car insurance cost in MarylandAverage annual cost $1,746Average per month cost $145Average cost for state minimum coverage $727 / YearCheapest car insurance company Geico($1,262 / Year)Average cost for young drivers $3,000 / YearAverage cost for Senior drivers $1,803 / Year 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 monthIn Maryland, the average monthly rate for car insurance is $145.This cost can vary among insurers, which is true of every auto insurance company. When exploring car insurance options in Maryland, it’s advisable to obtain quotes from multiple companies.Cheapest car insurance companies in MarylandThe table below lists the other available car insurance companies which offer car insurance in Maryland, along with their average cost per month and average annual cost.Company nameAverage per month costAverage annual costGeico$105$1,262Nationwide$114$1,363Travelers$127$1,523Kemper$134$1,603Erie Insurance$140$1,685Progressive$158$1,895Penn National Insurance$159$1,911State Farm$181$2,177Allstate$259$3,108USAA$87$1,043Read our guide to cheap car insurance companies Maryland car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Maryland Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,040/Year OR $170/month Maryland Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology 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 MarylandThe extent of coverage you select determines car insurance costs in Maryland. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in Maryland amounts to $756.Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in Maryland stands at $1,746.Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In Maryland, the average annual cost for non-owner state minimum liability coverage stands at $438.Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $727 in Maryland.Coverage limitsAverage annual costState Minimum BI/PD$727Liability Only – 50/100/50 BI/PD$756Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$1,746Non-Owners$438Auto 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 cityBaltimoreBowieFrederickGaithersburgRockvilleAverage car insurance cost in Maryland by cityYour 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 costAnnapolis$1,725Baltimore$2,345Bowie$1,950College Park$2,130Frederick$1,516Gaithersburg$1,740Hagerstown$1,477Laurel$1,928Rockville$1,712Salisbury$1,531Average car insurance cost in Maryland by age of the driverAge plays a significant role in determining auto insurance rates. Teenagers have a higher chance of being involved in a car accident compared to any other age group. In Maryland, the average annual rate for young drivers is $3,000, whereas for seniors, it is $1,803. The rate for young drivers exceeds that of senior drivers by $1,197.Statistics show that young drivers are more likely to be involved in vehicle accidents than more seasoned drivers. As a result, they are classified as high-risk individuals and are more expensive to insure. This classification is primarily due to tendencies such as speeding and limited on-road experience. However, premiums begin to increase again around the age of 70, as certain aspects of aging may impact driving capabilities.Average car insurance cost in Maryland for young driversIn Maryland, the auto insurance premium for female young drivers averages at $2,782 annually, or $232 monthly, while male young drivers face a yearly rate of $3,219, or a monthly average of $268.The average annual rates for young male and female drivers are listed in the table below:Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$4,312$3,62321$3,432$2,91022$3,093$2,68123$2,737$2,38124$2,529$2,315Average car insurance cost in Maryland for senior driversIn Maryland, the annual car insurance cost for senior female drivers is $1,775 or $148 monthly. Similarly, male senior drivers face a yearly insurance cost of $1,832 per year, with a monthly average of $153.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,788$1,73670$1,831$1,77375$1,875$1,816Read more about senior car insurance.Minimum car insurance requirements in MarylandEvery state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the Maryland Department of Insurance, the required coverages and minimum coverage limits in Maryland are as follows:Bodily injury per person: $30,000Bodily injury per accident: $60,000Personal property coverage per person: $15,000Cheapest cars to insure in MarylandThe Mazda CX-30 has the most affordable average annual insurance premium, standing at $1,613. The Chevrolet TrailBlazer is followed closely at $1,626 per year. The difference in the cost of insuring these two models is $13 annually.MakeModelAverage annual premiumMazdaCX-30$1,613ChevroletTrailBlazer$1,626HondaHR-V$1,632FordMaverick$1,649SubaruForester$1,655VolkswagenTaos$1,655ToyotaCorolla Cross$1,663BuickEncore GX$1,677SubaruCrosstrek$1,680HyundaiVenue$1,682Most expensive cars to insure in MarylandTopping the list as the most expensive car to insure is the Maserati Quattroporte Trofeo, at an average annual premium of $5,666. Notably, the annual difference between the least and most expensive cars to insure amounts to $4,053.MakeModelAverage annual premiumMaseratiQuattroporte Trofeo$5,666MaseratiQuattroporte$5,487PorscheTaycan GTS$5,403MaseratiGhibli Trofeo$5,367PorscheTaycan Turbo$5,052MaseratiLevante Trofeo$5,043TeslaModel S Plaid$5,016PorschePanamera Turbo S E-Hybrid$4,885PorscheTaycan$4,858TeslaModel X Plaid$4,702MethodologyThe 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.How much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Maryland Non-owner auto insurance in Maryland Average renters insurance cost in Maryland Average homeowners insurance cost in Maryland Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Maryland per monthCheapest car insurance companies in MarylandAverage cost of car insurance by coverage levels in MarylandAverage car insurance cost in Maryland by cityAverage car insurance cost in Maryland by age of the driverMinimum car insurance requirements in MarylandCheapest cars to insure in MarylandMost expensive cars to insure in MarylandMethodology ZIP Code Please enter valid ZIP See rates