The best car insurance in Maryland

Jessica Olivo

By

Jessica Olivo

Jessica Olivo

Freelance contributor

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

Published November 18, 2021

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and how we make money.

Maryland drivers pay an average of $1,798 for car insurance each year. Your insurance policy can take a big chunk out of your monthly budget, so it’s important to make sure you’re not overpaying.

Ready to shop car insurance?

Start calculator

The best way to save money on car insurance is to compare quotes from multiple companies before you buy. Policygenius can help you see what you’ll pay for coverage from top car insurance companies, so you can be sure you’re picking the right policy.

Key Takeaways

  • With an average rate of $806 for full coverage, USAA is the cheapest car insurance company in Maryland

  • On average, rates for seniors increase slightly between ages 60 to 65

  • Maryland drivers are required to have $30,000 per person and $60,000 per accident in bodily injury liability coverage and at least $15,000 in property damage liability coverage

  • Personal Injury Protection (PIP) and uninsured/underinsured motorist coverage are also required in Maryland

Cheapest car insurance companies in Maryland

Insurance rates are calculated based on factors like your age, location, the type of car you drive, where you live, your credit score, and your driving history. But costs also vary from company to company, which is why it’s important to compare quotes before you buy.

Company

Average cost

JD Power Rating

USAA

$806

890

GEICO

$917

871

Travelers

$1,375

861

Erie

$1,454

880

State Farm

$1,457

881

Cheapest car insurance companies by age in Maryland

Since young drivers often get into accidents while they are gaining experience behind the wheel, they’re more expensive to insure than older drivers. But as long as they keep a clean driving record, young drivers will see their rates gradually decrease as they approach 25.

Age

Cheapest company

Average cost

16

Erie

$3,794

18

USAA

$2,317

21

USAA

$1,141

25

USAA

$905

30

USAA

$841

35

USAA

$815

45

USAA

$762

55

USAA

$721

Choosing the right car insurance company in Maryland

There’s no one right car insurance company for every driver. Since car insurance rates are so personalized, the only way to be sure you’re picking the right policy for you is to shop around and compare options. Policygenius can help you see what you’d pay for coverage with top car insurance companies, so you can be sure you’re making the right choice for your needs.

Car insurance rates for drivers with driving violations in Maryland

Any accidents or moving violations on your driving history will mean higher car insurance rates. The good news is that most violations won’t stay on your record forever, and after a few years, you could start seeing lower rates again.

Violation

USAA

GEICO

Travelers

Erie

State Farm

At-fault Accident

$1,318

$1,483

$1,986

$2,053

$1,831

DUI

$2,220

$1,192

$2,182

$1,653

$1,616

Driving with a suspended license

$1,537

$1,076

$2,182

$1,653

$1,616

Driving with an open container

$1,177

$1,076

$1,879

$1,653

$1,616

Driving with expired registration

$1,005

$972

$1,879

$1,653

$1,616

Driving without Lights

$851

$1,076

$1,843

$1,653

$1,616

Failure to show documents

$1,005

$972

$1,879

$1,653

$1,616

Failure to stop at a red light

$1,005

$1,076

$1,879

$1,653

$1,616

Cheapest car insurance for drivers with bad credit in Maryland

Drivers with poor credit pay more for car insurance, which makes it all the more important for them to shop around and compare quotes before picking a policy. Keep an eye on your credit and make sure there aren’t any errors that could be bringing down your score.

Company

Rates for drivers with bad credit

GEICO

$1,255

USAA

$1,468

Nationwide

$2,680

Travelers

$2,773

Kemper

$2,874

Car insurance costs in Maryland cities

Where you live in Maryland will also affect how much you’ll pay for car insurance. Crime rates, average repair costs, and the numbers of accidents and claims will all affect car insurance costs in your area. Here’s how average rates compare in the 10 biggest cities in Maryland:

  • Baltimore: $2,956

  • Frederick: $1,444

  • Rockville: $1,758

  • Gaithersburg: $1,755

  • Bowie: $2,000

  • Hagerstown: $1,454

  • Annapolis: $1,720

  • Salisbury: $1,477

  • College Park: $2,204

  • Laurel: $2,028

Ready to shop car insurance?

Start calculator

Buying car insurance in Maryland

In Maryland, as in most states, drivers are required to have bodily injury and property damage liability coverage.

Maryland residents are also required to have Personal Injury Protection (PIP), which covers the cost of your injuries and medical bills after an accident and uninsured/underinsured motorist coverage, which will pay the costs if the other driver is at fault, but doesn’t have any or enough insurance.

  • Bodily injury liability coverage per person: $30,000

  • Bodily injury liability coverage per accident: $60,000

  • Property damage liability coverage: $15,000

  • Personal injury protection: $2,500 per incident

  • Uninsured/underinsured motorist coverage: $30,000 per person; $60,000 per incident; and $15,000 in PD coverage

Even though PIP is required in Maryland, it’s still an at fault state, meaning the insurance company of the driver responsible for an accident must pay the other party’s repair costs and medical bills, up to the limits of the policy. That’s why it’s important to set your liability limits as high as you can reasonably afford, so you’re fully protected in case of an accident.

How to get cheap car insurance in Maryland

Many of the factors that go into calculating your car insurance rate are beyond your control, but discounts can help you save on your policy. Some of the most common car insurance discounts include:

  • Safe driver discount: For drivers with no recent accidents 

  • Low mileage discount: For drivers who drive less than 7,500 miles annually

  • Loyalty discount: For drivers who have been with the same company for a set number of years

  • Bundling discount: For getting more than one insurance policy from the same company 

  • Military discount: For drivers who are active-duty servicemembers and their families

Frequently asked questions

Why does the crime rate in my area affect the cost of my insurance?

Just as insurers use your age to help calculate how likely you are to have an accident, they use crime rates to factor in how likely it is your car will be vandalized or stolen. Drivers living in areas with higher crime rates can expect to pay more for their policy.

Why should I get more than the state required amount of insurance?

State minimums only offer the basic level of protection in case you’re in an accident. Since accidents can cost tens of thousands of dollars, it’s safer to be prepared with enough coverage to prevent having to pay out of pocket after an expensive accident.

Who has the best insurance in Maryland?

USAA has the cheapest rates in Maryland at an average cost of $806 per year. Erie has the cheapest policy for new drivers, and GEICO has the best rates for drivers with bad credit. The best policy for you may not be the best for everyone, so it’s important to shop around.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.