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 $1,262 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 car insurance works in Maryland and how much you need.
- The average cost of car insurance in Maryland is $1,746 a year or $145 per month, based on our data analysis.
- Minimum liability coverage in Maryland costs around $727 annually for limits of 30/60/15, while liability-only coverage costs $756 per year for limits of 50/100/50.
- Geico provides the most affordable annual rates for full coverage car insurance in Maryland, costing $1,262 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 60%, and an at-fault accident by up to 56%.
How much is car insurance in Maryland?
According to CarInsurance.com data, drivers in Maryland pay about $145 per month for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Maryland based on driver profile:
- Teen drivers in Maryland pay the most — about $447 a month or $5,359 a year.
- Young drivers in their 20s pay an average of $250 monthly or $3,000 annually, for car insurance.
- Senior drivers pay around $150 monthly or $1,803 a year.
- A speeding ticket can increase your rates to $200 monthly or $2,404 annually.
- An at-fault accident increases car insurance rates to $233 a month or $2,791 a year.
- Poor credit drivers usually see their car insurance costs increase to $290 monthly or $3,483 annually.
Average cost of auto insurance in Maryland by coverage level
Car insurance costs in Maryland can differ based on the coverage limit. To legally drive, Maryland residents must adhere to the minimum liability limits of 30/60/15.
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 | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $61 | $727 |
| Liability Only – 50/100/50 BI/PD | $63 | $756 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $145 | $1,746 |
State minimum car insurance in Maryland
Maryland laws mandate that all drivers carry insurance with minimum liability limits of $30,000 for bodily injury liability per person, $60,000 for bodily injury liability per accident and $15,000 for property damage liability.
The state minimum car insurance cost in Maryland is $727 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 $756 in Maryland for coverage limits of 50/100/50, according to CarInsurance.com data.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Maryland
The average annual premium in Maryland is $1,746 for a full coverage policy with 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.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Maryland
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, residents in higher-risk neighborhoods in Maryland pay more for premiums than those in lower-risk areas.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
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 ( Liability - Minimum)
Estimate car insurance in Maryland by car model
Car insurers in Maryland use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
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
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Maryland drivers aged 30 to 60 have the lowest average auto insurance rates at $1,703 annually.
Drivers aged 16-19 pay $3,656 more for car insurance than Maryland drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,359 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,846 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,703 annually in Maryland.
- For senior drivers: Drivers aged 65 and older can expect to pay $1,803 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 60% 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.
Here is how much your car insurance rate increases in Maryland after driving incidents:
- Speeding ticket: Up to 30% increase
- DUI conviction: 60% increase
- At-fault accident (bodily injury and property damage): 56% increase
But even with a traffic ticket, comparison shopping can save you money.
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.
Below is a breakdown of car insurance companies in Maryland and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| GEICO | $428 | $465 | $1,262 |
| Nationwide | $724 | $715 | $1,363 |
| Travelers | $647 | $715 | $1,523 |
| Kemper Insurance | $707 | $779 | $1,603 |
| Erie Insurance | $600 | $660 | $1,685 |
| Progressive | $812 | $875 | $1,895 |
| Penn National Insurance | $1,021 | $827 | $1,911 |
| State Farm | $744 | $839 | $2,177 |
| Allstate | $1,255 | $1,299 | $3,108 |
| USAA | $362 | $418 | $1,043 |
Car insurance rates by city in Maryland
Gwynn Oak is the most expensive city in Maryland, with an average car insurance rate of $2,447 a year. Maugansville is the cheapest city for Maryland drivers at an average rate of $1,428 annually.
Car insurance premiums differ across cities in Maryland and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Below, you’ll see the average annual car insurance cost of major cities in Maryland.
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?
The average cost of a full-coverage car insurance policy in Maryland costs $145 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $61 |
| Liability Only – 50/100/50 BI/PD | $63 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $145 |
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.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Maryland.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
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.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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