Annapolis, MD
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There is a total of nearly 4.3 million licensed drivers in Maryland as of 2016, according to data from the Federal Highway Administration. The state of Maryland is also home to some busy roads and a crowded auto insurance market. This guide to shopping for car insurance in Maryland will help you figure out how much insurance you need, what factors affect car insurance costs, and how much to budget.

Thanks to a study conducted by Quadrant Information Services on behalf of U.S. News, we can shed some light on the factors that affect the cost of car insurance in Maryland. The data breaks down rates by age and gender, the city or town in which the vehicle is registered, driving record, and credit score.

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Cheapest Car Insurance Companies in Maryland

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from 10 largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance Companies

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

How Much Does Car Insurance Cost in Maryland?

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Using the data provided by Quadrant Information Services, we can help you figure out how much to budget for car insurance in Maryland. This information shows the differences in average representative rates among the state’s six largest auto insurance companies based on demographics such as age, annual commute, driving habits, and location.

According to the Quadrant Information Services study and our aforementioned driver profiles, the average representative rate for auto insurance in Maryland is $1,551.27. Allstate has the highest average representative rate of the six companies in the study at $2,152.35, then there’s a considerable drop to Geico, with a representative rate of $1,535.03, and State Farm, with a representative rate of $1,524.20. Nationwide and Progressive are also close, with representative average rates of $1,455.13 and $1,451.85, respectively. USAA comes in with a representative rate of $1,189.03, making it the most affordable auto insurance company in Maryland, on average.

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Maryland Car Insurance Rates by Age

To find the average rates in or study based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

First, we’ll take a look at driver profiles for 25-year-old men and women, who have the highest average representative rates in the study, at $1,712.29 for the male profile and $1,619.80 for the female profile. Of the six auto insurance companies in the study, Allstate has the highest average representative rates for both the male and female profiles in this age group, at $2,066.15 and $2,045.30, respectively. Our data shows that Geico has the lowest average representative rates for the male profile in this age group, at $1,432.73, and USAA has the lowest average representative rates for the female profile, at $1,293.81.

Male and female profiles at 35 years of age are the next demographic in the study. In most cases, representative rates for this group are lower than those for the 25-year-old profiles and more than those for the 60-year-old profiles, but there are some exceptions. Statewide average representative rates are $1,514.07 for the 25-year-old male profile and $1,535.29 for the female profile. Allstate’s representative average rates are on the high side, $2,172.09 for the male profile and $2,257.63 for the female profile, and USAA has the lowest representative average rates for this age group, $1,127.03 for the male profile and $1,146.30 for the female profile.

In general, the 60-year-old profiles pay the lowest auto insurance rates of the three age groups in the study, with average representative rates of $1,492.78 for the male profile and $1,433.37 for the female profile. Allstate is again on the high side, with representative averages of $2,214.09 and $2,158.85 for the male and female profiles, respectively. Data shows the lowest representative averages are from USAA, $1,063.42 for the male profile and $1,065.36 for the female profile.

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$2,066.15

$2,045.30

$2,172.09

$2,257.63

$2,214.09

$2,158.85

Geico

$1,432.73

$1,364.35

$1,608.79

$1,477.51

$1,776.06

$1,550.74

Nationwide

$1,768.30

$1,633.47

$1,398.61

$1,393.85

$1,288.56

$1,247.99

Progressive

$1,728.41

$1,759.66

$1,309.88

$1,468.42

$1,240.99

$1,203.75

State Farm

$1,839.87

$1,622.18

$1,468.03

$1,468.03

$1,373.54

$1,373.54

USAA

$1,438.28

$1,293.81

$1,127.03

$1,146.30

$1,063.42

$1,065.36

Maryland Car Insurance Rates by Annual Mileage

To find the average rates in or study based on annual mileage driven, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

We broke these profiles down into two groups with differing annual mileage. One profile drove 6,000 annual miles and the other racked up 12,000 miles. The average study rate for the lower mileage profiles is $1,493.64 and the higher mileage profile has an average representative rate of $1,551.27. According to study data, Allstate has the highest representative average rates here, with $2,099.01 for the lower mileage profile and $2,152.35 for the higher mileage profile. USAA again shows average representative rates well below the statewide average, $1,104.58 for the lower mileage profile and $1,189.03 for the higher mileage profile.

Company

6,000 miles annually

12,000 miles annually

Allstate

$2,099.01

$2,152.35

Geico

$1,486.77

$1,535.03

Nationwide

$1,455.13

$1,455.13

Progressive

$1,451.86

$1,451.85

State Farm

$1,364.52

$1,524.20

USAA

$1,104.58

$1,189.03

Maryland Car Insurance Rates by Coverage Level

Most major insurers offer car insurance coverage in three general tiers: low, medium, and high (even if they don’t necessarily advertise it as such). We created identical profiles in our study to represent drivers, then found out how rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females with the ages of 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

With each of the insurance companies in the study, average rates are the lowest with low coverage, a bit more with medium coverage, and even more for high coverage. However, consumers in Maryland who are shopping for car insurance should note that it is not a linear progression — that is, the difference in cost between low and medium coverage can be bigger or smaller than the difference in cost between medium and high coverage, so it’s worth shopping around to see what different companies charge for different coverage types. Our study shows that average representative rates for low coverage across the state are $1,491.32, medium coverage goes up to $1,551.27, and high coverage goes up to $1,621.83 for our driver profiles.

Company

Low

Medium

High

Allstate

$2,117.70

$2,152.35

$2,230.48

Geico

$1,484.78

$1,535.03

$1,622.26

Nationwide

$1,392.73

$1,455.13

$1,513.32

Progressive

$1,396.20

$1,451.85

$1,508.83

State Farm

$1,435.92

$1,524.20

$1,608.70

USAA

$1,120.58

$1,189.03

$1,247.39

Maryland Car Insurance Rates by Credit Score

Consumers may wonder why credit history is a factor for insurance costs, and it’s because it gives insurance companies a glimpse into whether potential customers are generally responsible or irresponsible, as indicated by their credit scores. Our study reviewed the effects of credit score on car insurance rates using male and female driver profiles with ages of 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

Consumers with fair or poor credit can generally expect to pay higher rates for auto insurance, though the differences in rate tiers are inconsistent from tier to tier and company to company. Study data shows the statewide representative average for our driver profiles with good credit is $1,551.27. With fair credit, that representative average goes up to $1,791.42, and with poor credit, the representative average goes up to $2,553.51. Average representative rates vary widely across the companies in our study, so whatever your credit score is, it’s well worth the time to comparison shop.

Company

Good

Fair

Poor

Allstate

$2,152.35

$2,401.76

$3,365.88

Geico

$1,535.03

$1,553.37

$1,864.78

Nationwide

$1,455.13

$1,595.82

$2,205.22

Progressive

$1,451.85

$1,735.02

$2,377.90

State Farm

$1,524.20

$1,972.71

$3,316.06

USAA

$1,189.03

$1,489.84

$2,191.21

Maryland Car Insurance Rates by Driving Record

According to our study, driving record has a substantial impact on auto insurance rates. We compared driver profiles including those with a clean record, those with one speeding violation, those with one accident, and those with one instance of driving under the influence (DUI). These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Our study data shows that the driver profile with a clean record comes in with an average study rate of $1,551.27. With one speeding violation, the average representative rate across the state goes up to $1,815.81. Driver profiles with one accident show an average representative rate of $2,278.97, and with one DUI, $2,118.16. Four of the six insurance companies in the study show the highest representative average rates for driver profiles with one accident, while the other two show the highest representative average rates for driver profiles with one DUI. If you’re looking to keep insurance costs down, it’s important to avoid all of these violations.

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$2,152.35

$2,496.19

$3,107.09

$2,152.35

Geico

$1,535.03

$1,881.28

$2,574.49

$3,155.42

Nationwide

$1,455.13

$1,731.08

$2,239.97

$1,653.20

Progressive

$1,451.85

$1,807.35

$2,358.48

$1,951.55

State Farm

$1,524.20

$1,675.31

$1,902.03

$1,675.31

USAA

$1,189.03

$1,303.69

$1,491.76

$2,121.14

Maryland Car Insurance Rates by City

Insurance rates can be affected by the city or town in which a vehicle is registered, so we looked at average rates for 10 cities in Maryland. Our profiles are based on 25-, 35-, and 60-year-old males and females with a clean driving record, 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

According to our study data, representative insurance rates are highest in Baltimore, at $2,311.23, and lowest in Hagerstown, at $1,269.55. Many cities have study rates in the $1,500 to $1,800 range.

City

Average Rate

Baltimore

$2,311.23

Frederick

$1,340.05

Gaithersburg

$1,556.06

Rockville

$1,556.68

Bowie

$1,712.52

Hagerstown

$1,269.55

Annapolis

$1,508.89

Salisbury

$1,288.70

College Park

$1,815.08

Laurel

$1,705.31

Maryland Auto Insurance Minimum Coverage Requirements

The state of Maryland requires liability insurance coverage for bodily injury and property damage, as well as uninsured motorist coverage. Consumers in Maryland must carry bodily injury liability coverage of $30,000 minimum per person and $60,000 minimum per accident. For property damage liability coverage, the minimum is $15,000. The minimums are the same for uninsured motorist coverage. Maryland also requires insurers to offer minimum personal injury protection coverage of $2,500, though consumers may waive this coverage.

Driving without liability insurance in Maryland leads to a $150 fine for the first 30 days and $7 for each additional day, up to an annual maximum of $2500 per vehicle. The vehicle’s registration will be suspended as well. Driving with a suspended registration means the vehicle may be impounded, and you could receive additional tickets and fines.

Cheapest Car Insurance in Maryland

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Single Young Adult Drivers

Geico

Married Male Adult Drivers

Progressive

Married Female Adult Drivers

Nationwide

Senior Drivers

Progressive

Drivers with Good Credit

Progressive

Drivers with Poor Credit

Geico

Drivers with a Clean Record

Progressive

Drivers with One Speeding Violation

State Farm

Drivers with One Accident

State Farm

Drivers with One DUI

Nationwide

Low-mileage Drivers

State Farm

High-mileage Drivers

Progressive

Drivers with Low Coverage

Nationwide

Drivers with High Coverage

Progressive

Drivers with Used Cars

Progressive

Drivers with New Cars

Nationwide

To find which car insurance company offers the lowest rates in Maryland, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included male and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Customers in Maryland can save the most money on auto insurance premiums by buying a low coverage policy, maintaining good credit, and keeping a clean driving record. Furthermore, drivers whose cars are registered in certain cities will also be more likely to find the cheapest car insurance in Maryland. That is because if you live in a zip code that has low rates of car theft or car accidents, insurance companies perceive you to be at a lower risk of something happening to your car.

Why Car Insurance Rates Vary in Maryland

In any state, car insurance companies charge the highest rates to drivers who carry the highest risk, and Maryland is no exception. Inexperienced drivers – mostly teenagers and newly licensed drivers – are subject to very high insurance rates. The Quadrant Insurance Services demographic information shows that these rates go down as drivers gain experience and demonstrate responsibility. Being married and maintaining good credit are also seen by insurance companies as signs of responsibility and help contribute to lower insurance rates. As you’ve already seen from the Quadrant Information Services data, where you live within Maryland also plays a significant role in how much you can expect to pay for insurance.

How to Get the Cheapest Car Insurance in Maryland

No matter what state you live in, there are some universal tips for finding the cheapest car insurance. As you can see from the data, some of those factors are within your control, and some are not. The first step is to maintain a clean driving record, since speeding tickets, crashes, DUIs, and other moving violations increase the cost of your car insurance and are expensive in lots of other ways too.

Calculations
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Next, you should familiarize yourself with common car insurance discounts and figure out which ones you may be eligible for. An easy one is the multi-policy or bundling discount, usually available to customers who purchase more than one insurance policy from the same carrier, whether combining multiple vehicles, homeowners insurance, or renters insurance. You should also look for student discounts, good driver discounts, and employer or affinity discounts, which may be available to you if you work for a company or are a member of a club that has negotiated a group rate. Most major insurance companies offer discounts for certain professions, particularly teachers, active members of the military, and veterans. Some companies offer discounts if you have a short commute and rack up very few miles, if your car is equipped with certain anti-theft or safety systems, or if you can show a certificate of completion from an approved driver training course. Some companies offer tracking programs, which use a car-based tracking device or smartphone app to report your driving habits to your insurance company and can result in a discount. Also look for discounts for enrolling in paperless online billing or automatic payment plans.

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Important Laws around Auto Insurance in Maryland

Maryland has some specific laws on the books related to car insurance, which you’ll need to know if you plan to register a car in the state. Also, if you’re driving in Maryland, you should be familiar with the state’s driving laws because even if your car isn’t registered in Maryland, any violations that occur there can still affect the cost of your car insurance.

Maryland Driving Laws and Punishments

Driving laws and penalties vary from state to state, and it’s the driver’s responsibility to know the laws where they live or visit. If you are convicted of these offenses or other driving violations, you’ll probably have to pay higher auto insurance rates.

Maryland’s laws prohibit the use of a handheld phone while driving, which includes writing, reading, and sending text messages. The exceptions are calls made for emergency or law enforcement purposes. Maryland law states, “A driver of a motor vehicle that is in motion may not use the driver’s hands to use a handheld telephone other than to initiate or terminate a wireless telephone call or to turn on or turn off the handheld telephone.”

The maximum fine for a first-time offense is $83. For a second offense, the fine increases to $140, and it increases to $160 for a third offense. If the phone use contributes to a crash, the driver will also get points on their driver’s license. If the offense results in serious injury or death, the driver may be sentenced to up to three years in prison and fined up to $5,000.

Like some states, Maryland differentiates between DUI (driving under the influence) and DWI (driving while impaired). DUI and DWI offenses are based on blood alcohol concentration (BAC), measured by percent. In Maryland, the DUI limit is .02 percent for drivers 21 and younger, .08 for drivers older than 21, and .04 percent for commercial drivers. Drivers older than 21 who have a BAC between .04 and .08 percent are within the range for DWI, which has lower penalties than a DUI.

Toy car
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The first DWI offense in Maryland can result in up to two months in jail, a fine of up to $500, and a license suspension of at least six months. The first DUI offense gets up to a year in jail, a fine up to $1,000, and a license suspension of at least six months.

The second DWI offense within five years carries up to a year in jail, a fine of up to $500, a year-long license suspension, and an ignition interlock device. The second DUI offense comes with up to two years in jail, a fine up to $2,000, and a year license suspension. Violators will also have to install an ignition interlock device in their vehicles.

The third DWI offense or DUI offense within five years may result in up to three years in jail, a fine up to $3,000, an 18-month minimum license suspension, and an ignition interlock device.

Maryland drivers who are not in compliance with the state’s minimum insurance requirements are breaking the law. If a driver’s insurance policy is canceled or lapses, or if the driver fails to show proof of insurance at the request of a police officer during a traffic stop, the driver is in violation of Maryland law. Driving without insurance in Maryland can result in a $150 fine for the first 30 days in violation and $7 for each additional day in violation, with a maximum annual fine of $2,500 per vehicle. Furthermore, the vehicle’s registration will be suspended. Continuing to drive with a suspended registration means the vehicle may be impounded, which will incur additional tickets and fines.

Maryland Car Insurance FAQs

Is car insurance required in Maryland?

Yes, Maryland has specific requirements for auto insurance that must be carried for every vehicle registered in the state. Maryland drivers must carry bodily injury liability coverage of $30,000 minimum per person and $60,000 minimum per accident. Property damage liability coverage is required at a minimum of $15,000. Drivers are also required to carry uninsured motorist coverage with the same minimums.

Which cars are required to be insured in Maryland?

Vehicles registered in Maryland must be insured according to Maryland’s minimum requirements listed above.

When should I get car insurance in Maryland?

Whether you recently moved to Maryland or you just bought a new vehicle, you’ll need to show proof of insurance in order to register your vehicle.

What happens if my car is not properly insured in Maryland?

The penalties for driving without insurance in Maryland rack up quickly. Drivers are subject to a $150 fine for the first 30 days and $7 for each additional day, up to an annual maximum of $2,500 per vehicle, and a suspended vehicle registration. Driving after the vehicle’s registration has been suspended means the vehicle is at risk of being impounded and there will be additional tickets and fines.

Is Maryland a no-fault state?

No, Maryland is an at-fault state. It uses the fault system to determine who is responsible for financial losses related to a car crash.

In a no-fault state, any driver involved in an accident can collect compensation from their own insurance company regardless of whether or not they were determined to share responsibility in causing the crash. In a fault or at-fault state like Maryland, it is legal to pursue compensation from the driver who caused the accident without first using up your own insurance benefits.

Do I need uninsured motorist coverage in Maryland?

Maryland requires uninsured motorist coverage with specific minimums. The minimums for uninsured motorist bodily injury coverage are $30,000 minimum per person and $60,000 minimum per accident. The minimum for uninsured motorist property damage coverage is $15,000.

Is liability insurance required in Maryland?

Liability insurance is required in the state of Maryland, and policies must comply with specific minimum coverage requirements. The minimum for bodily injury liability coverage is $30,000 per person and $60,000 per accident. For property damage liability coverage, you’ll need a minimum coverage amount of $15,000. Maryland also requires insurers to offer minimum personal injury protection coverage of $2,500, though the consumer has a right to waive this coverage.

The fines for driving without liability insurance in Maryland include a $150 fine for the first 30 days and $7 for each additional day, up to an annual maximum of $2,500 per vehicle, and a suspended vehicle registration. Continuing to drive after the vehicle’s registration has been suspended means the vehicle may be impounded and there will be additional tickets and fines.

Does Maryland accept digital insurance cards?

According to Geico, Maryland accepts digital insurance cards. That means if you need to show proof of auto insurance, you can use a smartphone app provided by your insurance company. If you live in Maryland and need help with your digital insurance card, contact your insurance agent.

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