In Maryland, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Maryland by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Maryland
The Honda HR-V and Volkswagen Tiguan are the cheapest vehicles to insure in Maryland, closely followed by the Honda CR-V and Subaru Forester, according to our data analysis.
Below is a list of the cheapest vehicles to insure in Maryland and their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Honda HR-V | $886 |
| Volkswagen Tiguan | $891 |
| Honda CR-V | $899 |
| Subaru Forester | $903 |
| Subaru Outback | $907 |
| Hyundai Venue | $913 |
| Chevrolet TrailBlazer | $924 |
| Volkswagen Taos | $937 |
| Mini Cooper Countryman JCW | $939 |
| Mazda CX-5 | $945 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Maryland
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in Maryland
Our data shows that Subaru Legacy is the most affordable sedan to insure in Maryland. Its average six-month full coverage cost is $963 for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
The Volkswagen Jetta takes the second spot at $1,027, while the Nissan Versa comes in third with an average cost of $1,044.
The table below shows the cheapest sedans to insure in Maryland and their average full coverage six-month costs.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $963 |
| Volkswagen Jetta | $1,027 |
| Nissan Versa | $1,044 |
| Honda Civic Sedan | $1,058 |
| Honda Accord | $1,091 |
| Nissan Sentra | $1,099 |
| Kia Forte | $1,099 |
| Volkswagen Jetta GLI | $1,103 |
| Toyota Camry | $1,104 |
| Toyota Corolla | $1,111 |
| Mazda 3 Sedan | $1,122 |
| Chevrolet Malibu | $1,133 |
| Nissan Altima | $1,155 |
| Hyundai Elantra | $1,157 |
| Mitsubishi Mirage G4 | $1,179 |
| Kia K5 | $1,208 |
| Hyundai Sonata | $1,254 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Maryland
In Maryland, the Honda HR-V and Volkswagen Tiguan are some of the most affordable SUVs to insure with an average six-month full coverage cost of $886 and $891 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda HR-V | $886 |
| Volkswagen Tiguan | $891 |
| Honda CR-V | $899 |
| Subaru Forester | $903 |
| Chevrolet TrailBlazer | $924 |
| Volkswagen Taos | $937 |
| Mazda CX-5 | $945 |
| Subaru Crosstrek | $951 |
| Mazda CX-30 | $952 |
| Honda Pilot | $958 |
| Toyota RAV4 | $961 |
| Toyota Corolla Cross | $969 |
| Hyundai Tucson | $969 |
| Hyundai Kona | $970 |
| Chevrolet Equinox | $975 |
| Kia Sportage | $976 |
| Subaru Ascent | $978 |
| Chevrolet Trax | $979 |
| Kia Seltos | $982 |
| Buick Encore GX | $987 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Maryland
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Honda Civic Si, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $1,062.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Honda Civic Si | $1,062 |
| Mazda MX-5 Miata | $1,126 |
| Chevrolet Camaro | $1,251 |
| Subaru BRZ | $1,350 |
| Honda Civic Type R | $1,376 |
| Ford Mustang | $1,403 |
| Toyota GR86 | $1,415 |
| Subaru WRX | $1,435 |
| Toyota GR Supra | $1,436 |
| BMW Z4 | $1,460 |
| Toyota GR Corolla | $1,497 |
| Porsche 718 Boxster | $1,550 |
| Chevrolet Corvette | $1,569 |
| Chevrolet Camaro ZL1 | $1,716 |
| Porsche 718 Cayman | $1,749 |
| Jaguar F-Type | $2,045 |
| Chevrolet Corvette Z06 | $2,069 |
| Nissan Z | $2,242 |
| Porsche 911 | $2,266 |
| Porsche 911 Turbo | $2,407 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Maryland
Luxury vehicles typically have higher insurance costs than other types due to their premium features and advanced technology. These features make repairs and replacements significantly more expensive compared to compact crossovers like the Honda CR-V, Honda HR-V, or Volkswagen Tiguan.
With an average six-month full coverage premium of $1,027, the Acura RDX ranks as the most affordable luxury car to insure, followed closely by Cadillac XT4 at $1,099 and the Volvo XC40 at $1,105.
The following table shows average premiums for various luxury vehicles, based on a six-month full coverage policy with limits of 100/300/100 and $500 deductibles for collision and comprehensive coverage.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,027 |
| Cadillac XT4 | $1,099 |
| Volvo XC40 | $1,105 |
| Mercedes-Benz GLA-Class | $1,107 |
| Cadillac XT5 | $1,122 |
| Audi Q3 | $1,134 |
| Acura MDX | $1,143 |
| Lincoln Corsair | $1,179 |
| Lexus RX | $1,192 |
| Alfa-Romeo Tonale | $1,193 |
| Mercedes-Benz GLB-Class | $1,196 |
| BMW X3 | $1,201 |
| Land Rover Discovery Sport | $1,214 |
| Lexus NX | $1,238 |
| Jaguar E-Pace | $1,244 |
| BMW X2 | $1,248 |
| Acura Integra | $1,253 |
| Acura TLX | $1,261 |
| Infiniti QX50 | $1,267 |
| Cadillac XT6 | $1,268 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Maryland
EVs generally cost more to insure than gas-powered vehicles because their batteries and other parts are expensive and repairing them often requires specialized labor.
Based on our analysis, insuring an electric vehicle costs an average of $3,071 annually, or $256 monthly.
The table below lists the most affordable EVs to insure in Maryland and their six-month average full coverage rates.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,026 |
| Kia Niro EV | $1,116 |
| Volkswagen ID.4 | $1,122 |
| Subaru Solterra | $1,127 |
| Chevrolet Silverado EV | $1,169 |
| Nissan Leaf | $1,194 |
| Hyundai Kona Electric | $1,198 |
| Toyota bZ4X | $1,251 |
| Genesis Electrified GV70 | $1,259 |
| Hyundai Ioniq 5 | $1,261 |
| Chevrolet Blazer EV | $1,319 |
| Volvo XC40 Recharge | $1,321 |
| Audi Q4 e-tron | $1,325 |
| Ford Mustang Mach-E | $1,332 |
| Ford F-150 Lightning | $1,354 |
| Mercedes-Benz EQB | $1,356 |
| Hyundai Ioniq 6 | $1,363 |
| Kia EV6 | $1,373 |
| Volvo C40 Recharge | $1,384 |
| Jaguar I-Pace | $1,414 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Maryland
Car insurance is typically most expensive for drivers under 25, as they’re considered higher-risk due to limited driving history. Choosing a safer, lower-risk vehicle is one way to reduce those premiums. Vehicles that are easier to repair and less appealing to thieves generally come with affordable insurance rates.
The average six-month full coverage premium for an 18-year-old insuring a Subaru Forester is $3,375, while insuring a Hyundai Venue costs $3,450 for the same coverage.
In the table below, we’ve broken down the most affordable cars to insure by vehicle type to help young drivers and their families make confident choices.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Maryland?
Electric cars are usually more costly to insure than traditional gas-powered vehicles. However, some EVs are affordable when compared to similar models with gas engines.
For instance, a six-month full coverage policy for a Mini Cooper Electric costs $1,026, whereas the cost of insuring a Kia Niro EV is $1,116 for the same coverage.
Which SUVs are the cheapest to insure in Maryland?
With an average six-month full coverage premium of $886, the Honda HR-V is one of the least expensive SUVs to insure in Maryland. Volkswagen Tiguan and Honda CR-V also offer affordable premiums to Maryland drivers.
What are the cheapest cars to insure for teen drivers in Maryland?
The Subaru Forester, Hyundai Venue, Honda HR-V and Subaru Outback are among the most affordable cars to insure for 18-year-old drivers in Maryland. On the other hand, vehicles like the Maserati Quattroporte, Audi e-tron GT and Nissan GT-R come with higher insurance costs for young drivers.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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