- The average cost of car insurance in Maryland is $1,999 a year or $167 per month, based on our data analysis.
- Minimum liability coverage in Maryland costs around $1,428 annually for limits of 30/60/15, while liability-only coverage costs $1,621 per year for limits of 50/100/50.
- GEICO provides the most affordable annual rates for full coverage car insurance in Maryland, costing $1,561 per year.
- In Maryland, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 30%, a DUI raising rates by 45%, and an at-fault accident by up to 64%.
Car insurance costs in Maryland vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. GEICO offers the cheapest annual rates for full coverage car insurance in Maryland at $1,561 annually.
This comprehensive guide to buying car insurance for Maryland drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Maryland works and how much insurance you need.
How much is car insurance in Maryland?
CarInsurance.com data found that drivers in Maryland pay $167 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Maryland based on driver profile:
- Teen drivers in Maryland pay the most — about $521 a month or $6,247 a year.
- Young drivers in their 20s pay an average of $277 monthly or $3,321 annually, for car insurance.
- Senior drivers pay around $168 monthly or $2,021 a year.
- A speeding ticket can increase your rates to $216 monthly or $2,592 annually.
- An at-fault accident increases car insurance rates to $273 a month or $3,275 a year.
- Poor credit drivers usually see their car insurance costs increase to $348 monthly or $4,177 annually.
Average cost of auto insurance in Maryland by coverage level
Car insurance costs in Maryland can differ based on the coverage limit. To legally drive, Maryland residents must adhere to the minimum liability limits of 30/60/15.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Maryland car insurance costs for three different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $119 | $1,428 |
| Liability Only – 50/100/50 BI/PD | $135 | $1,621 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $167 | $1,999 |
State minimum car insurance in Maryland
Maryland laws mandate that all drivers carry insurance with minimum liability limits of $30,000 for bodily injury liability per person, $60,000 for bodily injury liability per accident and $15,000 for property damage liability.
In Maryland, you can get state minimum car insurance for $1,428 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Maryland must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Maryland
According to CarInsurance.com data, liability-only car insurance costs $1,621 in Maryland for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Maryland
The average annual premium in Maryland is $1,999 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Maryland
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Maryland pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in Maryland
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
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Estimate car insurance in Maryland by car model
In Maryland, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle make and model in Maryland.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Maryland
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Maryland drivers aged 30 to 60 have the lowest average auto insurance rates at $1,967 annually.
Drivers aged 16-19 pay $4,280 more for car insurance than Maryland drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,247 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,188 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,967 annually in Maryland.
- For senior drivers: Drivers aged 65 and older can expect to pay $2,021 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Maryland
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Maryland, a DUI conviction often results in higher premiums and you may see an increase of up to 45% as insurers perceive you as a high-risk driver.
If you get caught speeding in Maryland, your car insurance rates will increase by 30% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Maryland following driving incidents:
- Speeding ticket: Up to 30% increase
- DUI conviction: 45% increase
- At-fault accident (bodily injury and property damage): 64% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Maryland for high-risk drivers
In Maryland, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Maryland
In Maryland, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Maryland by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Maryland, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| GEICO | $970 | $1,062 | $1,561 |
| Travelers | $1,155 | $1,310 | $1,945 |
| Nationwide | $2,027 | $1,989 | $1,986 |
| Erie Insurance | $1,325 | $1,499 | $2,139 |
| State Farm | $1,888 | $2,123 | $2,147 |
| Progressive | $1,776 | $2,290 | $2,445 |
| Allstate | $2,219 | $2,491 | $3,455 |
| USAA | $674 | $799 | $1,313 |
Car insurance rates by city in Maryland
Baltimore is the priciest city in Maryland for car insurance, costing an average of $2,684 annually. On the other hand, Frederick is the most affordable city, where drivers pay an average of $1,834 per year for car insurance.
Car insurance premiums differ across cities in Maryland and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Maryland’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Maryland per month?
The average cost of a full-coverage car insurance policy in Maryland costs $167 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $119 |
| Liability Only – 50/100/50 BI/PD | $135 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $167 |
Final thoughts on choosing car insurance in Maryland
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Maryland.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Maryland. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 30/60/15.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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