The cheapest full coverage car insurance in Maryland is $105 , saving you $40 compared to the average cost of insurance in the state, which is around $145 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Maryland, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in Maryland should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- According to recent data, Geico offers the cheapest full coverage car insurance in Maryland at $105 per month.
- Maryland drivers with a clean driving record pay 37% less for car insurance than drivers with a DUI.
- In Maryland, the city of Maugansville has the most affordable car insurance rates at $1,428 annually.
- Comparing price quotes from multiple insurers can help you save up to 28% per year on your car insurance policy in Maryland.
Car insurance companies with cheap car insurance in Maryland
Geico offers the cheapest car insurance rates in Maryland for a full coverage policy with an average premium of $105 per month or around $1,262 per year, based on CarInsurance.com’s rate analysis.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Maryland. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in Maryland per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Geico | $105 |
| Nationwide | $114 |
| Travelers | $127 |
| Kemper Insurance | $134 |
| Erie Insurance | $140 |
| Progressive | $158 |
| Penn National Insurance | $159 |
| State Farm | $181 |
| Allstate | $259 |
| USAA* | $87 |
Note: USAA is only available to military community members and their families.
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Who pays a lower insurance premium in Maryland?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 6% less than single drivers.
- Maryland drivers with clean records pay 37% less than drivers who have a DUI on their records.
- Maryland drivers in their 20s pay 52% lower rates for insurance than a 16-year-old in Maryland.
- Adding a teen to your policy will cost you 66% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 31% less on their insurance premiums.
- Drivers insured for three or more years can save up to 22% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 6% for this state more on their premiums.
Cheapest Maryland companies for different coverage levels
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Geico is the cheapest for a state minimum policy.
- Geico has the cheapest rates for a liability-only policy (50/100/50).
- Geico offers the cheapest car insurance for a full coverage policy (100/300/100) in Maryland.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Maryland
In Maryland, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $30,000/$60,000 |
| Minimum property damage liability | $15,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Maryland, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State Minimum Annual Rates |
|---|---|
| Geico | $428 |
| Erie Insurance | $600 |
| Travelers | $647 |
| Kemper Insurance | $707 |
| Nationwide | $724 |
| State Farm | $744 |
| Progressive | $812 |
| Penn National Insurance | $1,021 |
| Allstate | $1,255 |
| USAA* | $362 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in Maryland
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Maryland, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| Geico | $465 |
| Erie Insurance | $660 |
| Nationwide | $715 |
| Travelers | $715 |
| Kemper Insurance | $779 |
| Penn National Insurance | $827 |
| State Farm | $839 |
| Progressive | $875 |
| Allstate | $1,299 |
| USAA* | $418 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in Maryland
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The table below shows the average annual rates from major insurance providers in Maryland, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full Coverage Annual Rates |
|---|---|
| Geico | $1,262 |
| Nationwide | $1,363 |
| Travelers | $1,523 |
| Kemper Insurance | $1,603 |
| Erie Insurance | $1,685 |
| Progressive | $1,895 |
| Penn National Insurance | $1,911 |
| State Farm | $2,177 |
| Allstate | $3,108 |
| USAA* | $1,043 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest auto insurance in Maryland by driving history
Your driving history impacts insurance premiums in Maryland, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $896 more annually in Maryland than an individual with a clean driving record.
Cheap car insurance rates in Maryland after a speeding ticket
A speeding ticket can impact your Maryland car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, Geico has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,694 a year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| Geico | $1,364 | $1,694 | 24% | $331 |
| Erie Insurance | $1,999 | $2,091 | 5% | $91 |
| Travelers | $1,508 | $2,285 | 52% | $777 |
| State Farm | $2,407 | $2,643 | 10% | $236 |
| Progressive | $2,135 | $2,670 | 25% | $535 |
| Nationwide | $1,874 | $2,712 | 45% | $838 |
| Kemper Insurance | $2,192 | $3,471 | 58% | $1,279 |
| Allstate | $3,595 | $4,831 | 34% | $1,236 |
| USAA* | $1,104 | $1,310 | 19% | $206 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after a DUI conviction in Maryland
Geico offers the cheapest car insurance to Maryland drivers with a DUI conviction at $1,671 per year and Erie Insurance has the second-cheapest insurance premiums at $2,091 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 37% less than those with a history of DUI.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| Geico | $1,364 | $1,671 | 23% | $307 |
| Erie Insurance | $1,999 | $2,091 | 5% | $91 |
| Travelers | $1,508 | $2,393 | 59% | $885 |
| State Farm | $2,407 | $2,643 | 10% | $236 |
| Progressive | $2,135 | $2,997 | 40% | $862 |
| Nationwide | $1,874 | $4,289 | 129% | $2,415 |
| Allstate | $3,595 | $4,677 | 30% | $1,082 |
| Kemper Insurance | $2,192 | $5,055 | 131% | $2,863 |
| USAA* | $1,104 | $2,920 | 165% | $1,816 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in Maryland after an at-fault accident
Geico is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $2,064 .
Travelers is the second most affordable option, providing full-coverage car insurance with an average annual premium of $2,214 .
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| Geico | $1,364 | $2,064 | 51% | $700 |
| Travelers | $1,508 | $2,214 | 47% | $706 |
| Erie Insurance | $1,999 | $2,576 | 29% | $576 |
| State Farm | $2,407 | $2,997 | 25% | $590 |
| Progressive | $2,135 | $3,237 | 52% | $1,102 |
| Nationwide | $1,874 | $3,415 | 82% | $1,541 |
| Kemper Insurance | $2,192 | $4,314 | 97% | $2,122 |
| Allstate | $3,595 | $5,793 | 61% | $2,198 |
| USAA* | $1,104 | $1,840 | 67% | $736 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cities with the lowest auto insurance rates in Maryland
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Maugansville is the city with the lowest premiums in Maryland at an annual auto insurance rate of $1,428 .
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Find below a list of Maryland cities with the lowest car insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Maugansville | $1,428 |
| 2 Williamsport | $1,429 |
| Frostburg | $1,430 |
| Easton | $1,434 |
| 13 Mount Savage | $1,434 |
| Fountainhead-Orchard Hills | $1,437 |
| Smithsburg | $1,439 |
| Cumberland | $1,442 |
| Fairplay | $1,446 |
| Clear Spring | $1,449 |
Explore the top 10 factors that influence car insurance rates
How much can you save on car insurance in Maryland?
By comparing car insurance quotes, you can save an average of 28% per year for a full coverage policy in Maryland.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Maryland: Save on premiums
Maryland drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Maryland.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 1% | $29 |
| Anti-theft device | 1% | $14 |
| Daily commute | 5% | $124 |
| Days advanced purchase | 7% | $188 |
| Days per week driven | 6% | $175 |
| Education | 7% | $119 |
| Electronic funds transfer | 4% | $87 |
| Electronic signature | 10% | $175 |
| Homeowner | 4% | $93 |
| Lower annual mileage | 5% | $101 |
| Loyalty – years renewal with company | 3% | $75 |
| Marital status | 6% | $146 |
| Multi policy | 8% | $219 |
| Paperless/electornic documents | 4% | $133 |
| Payment type | 8% | $217 |
| Primary use | 9% | $231 |
| Profession | 11% | $221 |
| Safety devices | 3% | $91 |
| Telematics | 10% | $240 |
| Years insured | 20% | $838 |
| Years licensed | 29% | $1,069 |
Final thoughts on cheap car insurance in Maryland
Based on our findings, Geico provides the cheapest rates for a full coverage policy in Maryland if you have a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Maryland, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Maryland for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 30/60/15.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Maryland