The type of vehicle you own in Maryland can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in Maryland for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in Maryland
Our analysis shows that the Honda HR-V and the Volkswagen Tiguan have the lowest average insurance costs in Maryland, with Honda CR-V and Subaru Forester close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in Maryland and their average six-month full coverage insurance 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
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $963. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Volkswagen Jetta ranks second on our list with an insurance cost of $1,027, followed by Nissan Versa, which costs $1,044 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Maryland and their average full coverage six-month rates.
| 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
The Honda HR-V and Volkswagen Tiguan have the lowest car insurance rates, at $886 and $891, respectively, for a six-month policy. The full coverage car insurance rates of other SUVs are in the table below.
| 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
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Honda Civic Si stands out as one of the cheapest options on our list, with an average six-month premium of $1,062.
The table below compares car insurance rates for different sports cars in Maryland
| 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 cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $1,027 for a full coverage six-month policy. It is followed by the Cadillac XT4 ($1,099) and Volvo XC40 ($1,105).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| 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
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $3,375 to insure a Subaru Forester, while insuring a Hyundai Venue costs $3,450 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs in check.
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?
The Honda HR-V is one of the cheapest SUVs to insure in Maryland, with an average cost of $886 for a six-month car insurance plan. The Volkswagen Tiguan and Honda CR-V also come with relatively low insurance premiums.
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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