- 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?
According to CarInsurance.com data, drivers in Maryland pay about $167 per month for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
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
In Maryland, car insurance rates can differ depending on how much coverage you choose. Drivers in Maryland are required by law to have minimum insurance coverage limits of 30/60/15 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Maryland, but it doesn’t offer adequate protection.
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.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Maryland for 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’s car insurance laws require a minimum coverage of $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident and $15,000 in property damage liability.
The state minimum car insurance cost in Maryland is $1,428 a year. However, this basic coverage only offers limited protection. Maryland drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Maryland must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Maryland
Liability-only car insurance costs $1,621 in Maryland for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Maryland
On average, premiums for full coverage car insurance in Maryland cost $1,999 per year for the 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Maryland
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in Maryland have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
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
Maryland car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car 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
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Maryland drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,967 annually.
Car insurance for drivers aged 16-19 costs $4,280 more annually than Maryland drivers aged 30-60.
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 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,967 per year in Maryland.
- For senior drivers: Drivers age 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
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Maryland, a DUI conviction lead to increased rates and you may see a rate hike of up to 45% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Maryland, be prepared for your car insurance rates to rise by up to 30% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on 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, you can still save money by comparing insurance quotes.
Car insurance cost in Maryland for high-risk drivers
In Maryland, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
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 Maryland’s most expensive city for car insurance at an average cost of $2,684 annually. Frederick is the state’s least expensive city, with an average car insurance rate of $1,834 annually.
Car insurance costs differ from city to city in Maryland, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Maryland’s major 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?
Car insurance in Maryland costs an average of $167 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| 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
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Maryland.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2026.
- USAA. “How credit affects insurance premiums.” Accessed March 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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