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.

According to a study conducted by Quadrant Information Services on behalf of U.S. News, the national average rate for auto insurance is $3,953. However, that figure is only a guideline, and there are many variables that go into determining how much an individual consumer will pay for car insurance. The Quadrant Information Services study sheds some light on the factors that affect the cost of car insurance in Maryland. The date breaks down rates by age and gender, marital status, the city or town in which the vehicle is registered, driving record, and credit score.

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Average Annual Car Insurance Rates in Maryland

Liberty Mutual car insurance rates are not currently available.

How We Found the Cheapest Car Insurance in Maryland

U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. The rates are based on profiles for both male and female drivers aged 17, 25, 35, and 60 years. Vehicles used include the 2018 Honda Civic, 2018 Toyota RAV4, 2018 Ford-F-150, 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage of 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. The rates shown here are for comparative purposes only. Individual rates will differ.

How Much Does Car Insurance Cost in Maryland?

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 rates among the state’s seven largest auto insurance companies based on demographics such as age and marital status, annual commute, driving habits, and location.

According to the Quadrant Information Services study,  Allstate has some of the highest rates in the state at $5,233, then there’s a considerable drop to Progressive, at $4,095. From there, the differences between each company’s average rate gets smaller. State Farm’s is $3,961, Geico is $3,833, and Nationwide is $2,916. USAA comes in at $2,744, making it the most affordable auto insurance company in Maryland, on average.

Next, Quadrant Information Services looked at average rates based on age and marital status. In general, single 17-year-old drivers pay the highest average car insurance rates in Maryland. With USAA, the average rates for this age group are as low as $4,379 for women and $5,167 for men. Most of the other insurance companies in the study charge about $4,600 to around $9,500 for these groups. However, Allstate’s rates come in at $10,126 for women and $11,877 for men. Every company in the study charges higher rates for men than for women in this age group.

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Average Annual Car Insurance Rates in Maryland for a 17-Year-Old

Company

Single 17-year old female

Single 17-year old male

Allstate

$10,126.25

$11,877.20

Geico

$7,238.09

$8,259.04

Nationwide

$4,680.47

$6,150.29

Progressive

$8,688.04

$9,494.13

State Farm

$7,402.28

$9,470.28

USAA

$4,378.75

$5,166.68

Liberty Mutual car insurance rates are not currently available.

The next age group in the study is single 25-year-old women and men. In most cases, these groups pay the second-highest rates of the four age groups under consideration, but there are two exceptions. Allstate and Geico both charge lower average rates to these groups than they charge to married 35-year-olds and married 60-year-olds. At $2,058 for women and $2,171 for men, Geico’s rates are the lowest in this group.

Average Annual Car Insurance Rates in Maryland for a 25-Year-Old

Company

Single 25-year old female

Single 25-year old male

Allstate

$3,142.01

$3,180.86

Geico

$2,057.84

$2,171.06

Nationwide

$2,316.18

$2,493.50

Progressive

$2,844.59

$2,778.79

State Farm

$2,661.50

$3,004.10

USAA

$2,274.19

$2,536.67

Liberty Mutual car insurance rates are not currently available.

Married 35-year-old women and men are the next demographic in the study. In most cases, this group pays less than the 17-year-olds and the 25-year-olds and more than the 60-year-olds, but there are some exceptions. As already noted, Allstate and Geico charge higher rates to these groups than to the 25-year-old groups. Geico also charges less to these two groups than they charge 60-year-olds, and Allstate’s average rate for married 35-year-old men is lower than the average rate for married 60-year-old men. Within this group, women pay more with some companies, and men pay more with some companies. Consumers in this age group should consider USAA, which has the lowest rates for women at $1,974 and men at $1,939. Nationwide and State Farm also have average rates coming in at about $2,400 or less.

Average Annual Car Insurance Rates in Maryland for a 35-Year-Old

Company

Married 35-year old female

Married 35-year old male

Allstate

$3,479.22

$3,341.48

Geico

$2,409.20

$2,633.97

Nationwide

$2,001.73

$2,008.48

Progressive

$2,445.57

$2,204.58

State Farm

$2,384.38

$2,384.38

USAA

$1,974.24

$1,939.21

Liberty Mutual car insurance rates are not currently available.

In general, married 60-year-old women and men can expect to pay the lowest auto insurance rates of the four age groups in the study. Nationwide and USAA come in with the least expensive averages, which are in the $1,800 range for both groups.

Average Annual Car Insurance Rates in Maryland for a 60-Year-Old

Company

Married 60-year old female

Married 60-year old male

Allstate

$3,315.46

$3,402.86

Geico

$2,737.58

$3,154.25

Nationwide

$1,810.88

$1,863.99

Progressive

$2,128.62

$2,174.55

State Farm

$2,189.99

$2,189.99

USAA

$1,843.88

$1,839.49

Liberty Mutual car insurance rates are not currently available.

The next factor is annual mileage driven, which Quadrant Information Services broke down into two groups with differing annual mileage. One group drove 6,000 annual miles and the other racked up 12,000 miles. For auto insurance customers in Maryland, two companies charge the same average rate for both groups. Nationwide comes in at $2,916 and Progressive comes in at $4,095. The other five companies charge slightly higher average rates for customers who drive more, and the difference in most cases is about $200 or less.

Average Annual Car Insurance Rates in Maryland Based on Miles Driven

Company

6000 miles annually

12,000 miles annually

Allstate

$5,159.18

$5,307.15

Geico

$3,768.30

$3,896.96

Nationwide

$2,915.69

$2,915.69

Progressive

$4,094.86

$4,094.86

State Farm

$3,858.87

$4,062.86

USAA

$2,658.83

$2,829.44

Liberty Mutual car insurance rates are not currently available.

The next factor that affects average car insurance rates is the difference between low, medium, and high coverage. 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. In some cases, going from medium to high coverage adds a little more than $100 to the cost, so it’s worth shopping around to see what different companies charge for different coverage types.

Average Annual Car Insurance Rates in Maryland Based on Coverage Level

Company

Low

Medium

High

Allstate

$5,102.42

$5,199.95

$5,397.13

Geico

$3,694.42

$3,808.14

$3,995.32

Nationwide

$2,792.62

$2,924.01

$3,030.44

Progressive

$3,907.33

$4,095.34

$4,281.91

State Farm

$3,753.81

$3,972.14

$4,156.65

USAA

$2,601.17

$2,753.05

$2,878.19

Liberty Mutual car insurance rates are not currently available.

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. Each of the seven insurance companies in the study charge the lowest average rates to customers with good credit, higher rates to customers with fair credit, and the highest rates to customers with poor credit, with one exception. The study shows that Geico’s rates for customers with poor credit history are lower than those for customers with fair or good credit history.

Putting that anomaly aside, 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. For example, Nationwide’s increase from good credit to fair credit is less than $300. If you’re looking at State Farm, the difference between those tiers is almost $800.

Average Annual Car Insurance Rates in Maryland Based on Credit Score

Company

Good

Fair

Poor

Allstate

$4,188.63

$4,730.97

$6,779.90

Geico

$3,554.85

$3,598.70

$4,344.33

Nationwide

$2,384.07

$2,636.53

$3,726.47

Progressive

$3,247.40

$3,875.85

$5,161.32

State Farm

$2,650.60

$3,437.51

$5,794.48

USAA

$2,063.46

$2,509.68

$3,659.27

Liberty Mutual car insurance rates are not currently available.

Driving record is the next factor explored by the study, with four groups: drivers with a clean driving record, with a single speeding violation, with a single accident, and with a DUI, from the seven major insurance companies in Maryland.

Allstate, Nationwide, Progressive, and State Farm charge the highest rates to drivers with one accident. With Geico and USAA, drivers with a single DUI offense pay the highest average rates. In general, one speeding violation will have the least effect on your insurance rates. However, Allstate and Nationwide actually have higher average rates for drivers with one speeding violation than drivers with one DUI, and State Farm has the same average rate for these two groups. If you’re looking to keep insurance costs down, it’s important to avoid all of these violations.

Average Annual Car Insurance Rates in Maryland Based on Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$4,632.04

$5,510.30

$6,158.29

$4,632.04

Geico

$2,719.17

$3,232.71

$4,234.15

$5,144.48

Nationwide

$2,565.95

$2,908.52

$3,443.50

$2,744.78

Progressive

$3,496.06

$4,020.51

$4,633.82

$4,229.05

State Farm

$3,551.42

$3,915.37

$4,461.30

$3,915.37

USAA

$2,158.09

$2,323.31

$2,645.44

$3,849.72

Liberty Mutual car insurance rates are not currently available.

Maryland drivers with a clean driving record pay the lowest rates with USAA ($2,158). Drivers with a single speeding violation also have the lowest rates with USAA ($2,323). USAA also has the lowest average rate for drivers with one accident, at $2,645. Drivers with one DUI pay the lowest rates with Nationwide ($2,745).

Insurance rates can be affected by the city or town in which a vehicle is registered, so we looked at average rates for 20 cities in Maryland. Easton ($3,689), Salisbury ($3,770), and Hagerstown ($3,780) have the lowest average rates in Maryland, while Hyattsville ($5,970), Bladensburg ($6,313), and Baltimore ($6,863) residents pay the highest.

Average Annual Car Insurance Rates in Maryland by City

City

Average Rate

Easton

$3,689.44

Salisbury

$3,769.75

Hagerstown

$3,780.34

Frederick

$3,866.99

Mount Airy

$4,057.56

Westminster

$4,310.70

Annapolis

$4,373.00

Elkton

$4,549.25

Bel Air

$4,561.68

Aberdeen

$4,612.01

Gaithersburg

$4,633.01

Rockville

$4,764.55

Bowie

$4,947.28

Laurel

$5,173.37

Greenbelt

$5,308.55

College Park

$5,373.56

Mount Rainier

$5,870.98

Hyattsville

$5,969.59

Bladensburg

$6,313.13

Baltimore

$6,862.78

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

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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