The cheapest car insurance in Maryland costs $105 per month for a full coverage policy from Geico. That’s a $40 savings from the average cost of insurance in the state, which is $145 a month.
“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.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Maryland including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- Geico has the cheapest car insurance rates in Maryland for full coverage at $105 a month among the companies analyzed by the team of CarInsurance.com.
- In Maryland, drivers with clean driving records pay 37% less than drivers with a DUI.
- The city of Maugansville has the lowest auto insurance rates in Maryland, with an average premium of $1,428 per year.
- You can save up to 28% per year on your car insurance policy in Maryland by comparing price quotes from multiple insurers.
Car insurance companies with cheap car insurance in Maryland
Based on data analysis by CarInsurance.com, Geico provides the cheapest full coverage auto insurance rates for Maryland drivers at a monthly rate of $105 or $1,262 a year.
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 companies for different coverage levels in Maryland
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
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 coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest state minimum coverage in Maryland
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Maryland, you must have at least the following insurance coverage on your car.
| 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, you’ll see average annual rates for major insurance providers in Maryland, ranked from cheapest to most expensive for 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 insurance providers for liability-only coverage in Maryland
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
In the table below, see the average annual rates from Maryland’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $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 car insurance in Maryland
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
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 car insurance in Maryland, by driving history
Your driving history affects how much you pay for insurance in Maryland because insurance companies use it to assess the risk associated with insuring 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 in Maryland after a speeding ticket
If you’ve got a speeding ticket on your Maryland driving record and need affordable car insurance, Geico might be the answer. With an average annual rate of $1,694 , Geico offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Maryland.
| 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.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 37% less than drivers with a DUI on their record.
| 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 rates after an at-fault accident in Maryland
If you’re a driver with an at-fault accident on your record, Geico is the cheapest option, offering car insurance at an average cost of $2,064 annually.
Travelers is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $2,214 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| 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.
In Maryland, Maugansville stands out as the city with the lowest auto insurance rates, at an average of $1,428 per year.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance 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 auto insurance in Maryland?
Shopping around for car insurance quotes in Maryland can help drivers save 28% annually on full coverage policies.
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 research, if you are a good driver, Geico is the cheapest in Maryland for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Maryland is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
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 is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
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
Managing 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