Maryland car insurance calculator

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If you’re driving in Maryland, it’s important to know how crucial it is to have car insurance that meets the state’s minimum requirements. But finding the right coverage that also fits your budget can be a bit tricky. That’s where our Maryland car insurance calculator comes in handy.

Use our car insurance calculator to figure out how much you might pay each year and month for auto insurance in Maryland. Just enter your car’s make and model, and it’ll help you make smart choices about your coverage.

Maryland car insurance calculator

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*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.

How much is vehicle model important in calculating car insurance in Maryland

In Maryland, the make and model of a vehicle can significantly impact car insurance rates. Insurers consider various factors, including a vehicle’s make and model, when determining premiums.

For instance, the car insurance rate for a 2022 Acura ILX 2.4L is $1,672 a year for a full coverage policy, whereas average insurance premiums in Maryland for a Toyota 4Runner Limited is $1,619 annually – that’s $53 less compared to Acura ILX 2.4L.

How insurers calculate car insurance in Maryland using car model year

In Maryland and lots of other places, how old your car is can change how much you pay for insurance. For example, if you have a 2021 Chevrolet Blazer 2LT, you might pay about $1,203 a year for insurance. But if it’s a 2022 Chevrolet Blazer 2LT, the yearly insurance rate could be $1,661.

Does the cost of car insurance in Maryland decrease as a vehicle gets older?

In Maryland, insurance for older cars is often less expensive. When a car gets older, it loses value (that’s called depreciation). Since insurance is there to help with repair or replacement costs, the insurance company doesn’t have to pay as much for an older car. So, if your car is older in Maryland, your insurance bill is usually lower.

If you’re driving a 2020 Honda Accord LX in Maryland, your monthly full coverage insurance is usually $134. Now, if you have the 2022 Honda Accord LX, your monthly insurance goes up to $134, which is same as the 2020 model.

Older vehicles are generally less appealing to thieves than newer, fancier ones. This lower risk of theft can also result in lower insurance costs for you.

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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

Car insurance cost estimate in Maryland

The average premium for car insurance in Maryland is $1,640 per year or $137 per month, though your specific premium may vary based on the coverage level you choose. Here is an estimate of car insurance costs in Maryland for different coverage levels.

Car insurance in Maryland usually costs about $1,640 per year or $137 per month. But remember, your actual price might be different based on the coverage you pick. Let’s take a look at estimated car insurance costs in Maryland for different coverage levels.

50/100/50 Liability Only	Full Coverage	Non-Owner State Minimum Liability Only	State Minimum Liability Only
$648	$1,640	$355	$607

The bottom line: Maryland car insurance calculator

The Maryland car insurance calculator determines your rates based on factors such as location and vehicle make and model year. By entering your information, you can get estimated quotes from the calculator. Remember that rates may vary, and it’s wise to get quotes from multiple insurers to find the best deal tailored to your needs.