Why Compare Car Insurance Rates in Maryland:
If you got yourself into a car accident situation, you're more likely to be at fault in Maryland than in any other state. That means that after a collision, drivers have the right to sue the other driver for damages. In Maryland, the cost of car insurance is reasonable. The cost of car insurance in Maryland is $1,240 per year, which is 13.1% lower than the national average. If you just got your driver's license or recently moved to Maryland, you might be curious about the state's auto insurance laws and how to get the cheap yet best car insurance in Maryland.
All states require you to buy such insurance coverage before you can register your car. According to the Maryland Insurance Department, all car owners must have at least the following:
| Coverage Type | Minimum Coverage Limit |
|---|---|
| Bodily injury liability coverage | $30,000 per person
$60,000 per accident |
| Property damage liability coverage | $15,000 |
| Uninsured motorist bodily injury | $30,000 per person
$60,000 per accident |
| Uninsured/Underinsured motorist property damage | $15,000 |
| Personal injury protection (PIP) | $2,500 |
If you're in the dark regarding coverage types, our quick read on auto insurance coverage types will get you up to speed.
In Maryland, Progressive offers the most affordable minimum liability-coverage insurance. Progressive average annual premium is $674. Erie and Kemper are the next on the list. However, rates vary greatly depending on the car insurance companies, your region, your driving record, and other things. Compare quotes from various insurance to ensure you get the best deal.
| Company | Annual rate |
|---|---|
| Progressive | $674 |
| State Farm | $1,379 |
| Nationwide | $1,503 |
| Travelers | $1,533 |
| Erie | $769 |
| Kemper | $916 |
| Allstate | $2,179 |
Before a vehicle can be registered in Maryland, it must be insured by a licensed insurance company. Liability insurance, uninsured motorist insurance, and personal injury protection are just a few of the coverages that are required by law.
With the help of Way.com, you can obtain quotes from a wide range of top insurance providers and compare coverage options and prices to find the vehicle insurance policy that best suits your needs.
Drivers in Maryland are required by law to carry a certain amount of insurance coverage for their vehicles. The following are Maryland's legal minimums for third-party liability auto insurance coverage:
In the event that you cause a car accident that injures or damages another driver, passenger, or pedestrian, liability coverage will pay for their medical bills, property damage bills, and other costs.
A Maryland car accident doesn't cover your own injuries or vehicle damage; only third-party liability insurance does. If you're in a car accident and your losses aren't covered by anyone else's insurance, you'll need different (additional) coverage. Collision insurance, for example, can cover the cost of repairing or replacing your damaged vehicle in the event of an accident (though this coverage is optional in Maryland).
Uninsured motorist (UM) coverage can protect you and your passengers in the event of a hit and run or if the at-fault driver does not have insurance.
PIP, or personal injury protection, pays for medical expenses, in-patient stays, and disabling conditions. Expenses incurred as a result of a car accident can be reimbursed up to $2,500. PIP coverage is available in amounts ranging from $2,500 to $10,000 per person.
In order to drive a vehicle that is registered in Maryland, you must have proof of insurance, according to Maryland law. Proof of insurance on a mobile phone or other portable electronic device is valid. Otherwise it can be the paper-based insurance card provided by the insurance company. If you don't have proof of insurance, you may be fined $50.
Full coverage insurance from Erie is the most affordable option in Maryland. A full-coverage Erie policy costs an average of $1327 per year.
| Company | Annual rate |
|---|---|
| Nationwide | $2,179 |
| Travelers | $2,676 |
| State Farm | $2,608 |
| Erie | $1,327 |
| Progressive | $1,369 |
| Kemper | $1,489 |
| Allstate | $3,285 |
| Company | 16-year-old-female | 16-year-old-male |
|---|---|---|
| Kemper | $4,669 | $4,645 |
| Progressive | $3,965 | $4,313 |
| Nationwide | $4,753 | $6,144 |
| Allstate | $6,332 | $7,482 |
| Travelers | $5,498 | $7,170 |
| State Farm | $4,171 | $5,204 |
| Company | Annual rate |
|---|---|
| Nationwide | $2,431 |
| Progressive | $1,219 |
| State Farm | $2,703 |
| Erie | $1,355 |
| Travelers | $3,533 |
| Kemper | $1,819 |
| Allstate | $3,689 |
It's possible to save money on car insurance without having to compromise on coverage. Low-cost car insurance is available in Maryland from a variety of providers. Using data on average annual rates, we located some of the most cost-effective auto insurance providers in the state of Maryland. According to our in-house market research, these companies offer the best auto insurance in Maryland.
| Company | Annual rate |
|---|---|
| Nationwide | $2,707 |
| Progressive | $1,595 |
| Allstate | $4,213 |
| Kemper | $2,349 |
| Travelers | $5,234 |
| State Farm | $5,453 |
| Erie | $3,079 |
Nationwide has the best rates for 18-year-old drivers in Maryland who are looking for affordable car insurance. Nationwide minimum coverage policy costs $1,314 less per year .
Maryland Rates for Young Adults
| Company | Annual rate |
|---|---|
| Nationwide | $1,314 |
| Progressive | $1,391 |
| Travelers | $3,183 |
| State Farm | $3,249 |
| Allstate | $3,336 |
| Kemper | $1,718 |
| Erie | $1,749 |
For drivers with a speeding ticket in Maryland, Progressive offers the most affordable full coverage auto insurance. After receiving a ticket, Progressive customers can expect $1,387 annual premiums.
| Company | Annual rate |
|---|---|
| State Farm | $2,849 |
| Erie | $1,525 |
| Progressive | $1,387 |
| Travelers | $3,866 |
| Kemper | $2,039 |
| Allstate | $3,728 |
| Nationwide | $2,777 |
Progressive is the best option for Maryland drivers who have had an accident on their driving record. At $1,723 Progressive's full coverage policy is cheaper than the state average of $3129 per year after an at-fault accident.
| Company | Annual rate |
|---|---|
| State Farm | $3,218 |
| Erie | $1,919 |
| Progressive | $1,723 |
| Nationwide | $3,429 |
| Kemper | $2,918 |
| Allstate | $4,659 |
| Travelers | $4,037 |
Erie has the best rates for Maryland drivers with a DUI on their record, with an average annual premium of $1525.
| Company | Annual rate |
|---|---|
| Erie | $1,525 |
| Progressive | $1,539 |
| State Farm | $2,852 |
| Allstate | $3,321 |
| Kemper | $3,968 |
| Nationwide | $4,207 |
| Travelers | $4,495 |
In Maryland, State Farm offers the most affordable full-coverage insurance for married drivers: $1,525 a year. Which, despite the fact that State Farm does not offer married couples a discount on car insurance.
| Company | Annual rate |
|---|---|
| State Farm | $1,525 |
| Erie | $1,595 |
| Progressive | $2,045 |
| Nationwide | $2,890 |
Erie has the cheapest car insurance for young Maryland drivers with an accident history. With an annual premium of $2,755, which is less expensive than the national average for health insurance for 18-year-olds.
| Company | Annual rate |
|---|---|
| Erie | $2,755 |
| State Farm | $3,200 |
| Progressive | $4,650 |
| Nationwide | $7,015 |
The average full coverage policy in Maryland costs $1525 a year, making it one of the most expensive states in the country for car insurance. Even though these averages can give you a good idea of how costs may vary, your car insurance rates are likely to be unique. Insuring a vehicle is affected by a number of factors, including the location in which it is kept.
| City | Average Annual Rate |
|---|---|
| Abell | $1,649 |
| Aberdeen | $1,865 |
| Aberdeen Proving Ground | $1,985 |
| Abingdon | $2,021 |
| Accident | $1,553 |
| Accokeek | $2,225 |
| Adamstown | $1,589 |
| Adelphi | $2,465 |
| Algonquin | $1,553 |
| Allen | $1,529 |
| Andrews AFB | $2,177 |
| Annapolis | $1,853 |
| Annapolis Junction | $1,913 |
| Annapolis Neck | $1,853 |
| Aquasco | $2,129 |
| Arbutus | $2,645 |
| Arden on the Severn | $1,805 |
| Arnold | $1,817 |
| Ashton | $1,961 |
| Aspen Hill | $2,129 |
| Avenue | $1,709 |
| Baden | $2,189 |
| Baldwin | $1,997 |
| Ballenger Creek | $1,541 |
| Baltimore | $2,981 |
| Barclay | $1,577 |
| Barnesville | $1,829 |
| Barstow | $1,649 |
| Barton | $1,517 |
| Beallsville | $1,925 |
| Bel Air | $1,853 |
| Bel Air North | $1,865 |
| Bel Air South | $1,865 |
| Bel Alton | $1,913 |
| Belcamp | $1,937 |
| Beltsville | $2,393 |
| Benedict | $1,925 |
| Benson | $1,877 |
| Bensville | $2,069 |
| Berlin | $1,529 |
| Berwyn Heights | $2,129 |
| Bethesda | $1,721 |
| Bethlehem | $1,493 |
| Betterton | $1,637 |
| Big Pool | $1,505 |
| Bishopville | $1,529 |
| Bittinger | $1,565 |
| Bivalve | $1,541 |
| Bladensburg | $2,501 |
| Bloomington | $1,541 |
| Boonsboro | $1,541 |
| Boring | $2,129 |
| Bowie | $2,153 |
| Bowleys Quarters | $2,453 |
| Bowmans Addition | $1,493 |
| Boyds | $1,853 |
| Bozman | $1,505 |
| Braddock Heights | $1,577 |
| Brandywine | $2,225 |
| Brentwood | $2,513 |
| Brinklow | $1,961 |
| Brookeville | $1,925 |
| Brooklandville | $2,153 |
| Brooklyn | $2,597 |
| Brooklyn Park | $2,273 |
| Brookmont | $1,721 |
| Broomes Island | $1,661 |
| Brownsville | $1,505 |
| Brunswick | $1,625 |
| Bryans Road | $2,069 |
| Bryantown | $1,937 |
| Buckeystown | $1,601 |
| Burkittsville | $1,577 |
| Burtonsville | $2,165 |
| Bushwood | $1,721 |
| Butler | $2,129 |
| Cabin John | $1,757 |
| California | $1,649 |
| Callaway | $1,697 |
| Calverton | $2,249 |
| Cambridge | $1,553 |
| Camp Springs | $2,477 |
| Capitol Heights | $2,645 |
| Carney | $2,465 |
| Cascade | $1,493 |
| Catonsville | $2,501 |
| Cavetown | $1,469 |
| Cecilton | $1,721 |
| Cedarville | $2,213 |
| Centreville | $1,637 |
| Chance | $1,589 |
| Chaptico | $1,685 |
| Charlestown | $1,853 |
| Charlotte Hall | $1,865 |
| Chase | $2,249 |
| Cheltenham | $2,213 |
| Chesapeake Beach | $1,697 |
| Chesapeake City | $1,793 |
| Chesapeake Ranch Estates | $1,637 |
| Chester | $1,577 |
| Chestertown | $1,577 |
| Cheverly | $2,561 |
| Chevy Chase | $1,709 |
| Chevy Chase Section Five | $1,709 |
| Chevy Chase Section Three | $1,709 |
| Chevy Chase View | $1,769 |
| Chevy Chase Village | $1,709 |
| Chewsville | $1,493 |
| Childs | $1,853 |
| Chillum | $2,465 |
| Church Creek | $1,553 |
| Church Hill | $1,577 |
| Churchton | $1,829 |
| Churchville | $1,829 |
| Claiborne | $1,493 |
| Clarksburg | $1,913 |
| Clarksville | $1,913 |
| Clear Spring | $1,505 |
| Clements | $1,673 |
| Clinton | $2,249 |
| Cobb Island | $1,925 |
| Cockeysville | $2,225 |
| Colesville | $2,201 |
| College Park | $2,249 |
| Colmar Manor | $2,525 |
| Colora | $1,889 |
| Coltons Point | $1,649 |
| Columbia | $1,997 |
| Compton | $1,661 |
| Conowingo | $1,949 |
| Cooksville | $1,865 |
| Coral Hills | $2,657 |
| Cordova | $1,505 |
| Corriganville | $1,505 |
| Cottage City | $2,549 |
| Crapo | $1,553 |
| Cresaptown | $1,517 |
| Crisfield | $1,601 |
| Crocheron | $1,541 |
| Crofton | $1,889 |
| Croom | $2,189 |
| Crownsville | $1,805 |
| Crumpton | $1,589 |
| Cumberland | $1,505 |
| Curtis Bay | $2,105 |
| Damascus | $1,865 |
| Dameron | $1,637 |
| Dames Quarter | $1,625 |
| Darlington | $1,841 |
| Darnestown | $1,889 |
| Davidsonville | $1,865 |
| Dayton | $1,853 |
| Deal Island | $1,589 |
| Deale | $1,841 |
| Deer Park | $1,565 |
| Delmar | $1,553 |
| Denton | $1,541 |
| Derwood | $1,997 |
| Dickerson | $1,697 |
| District Heights | $2,609 |
| Dowell | $1,625 |
| Drayden | $1,637 |
| Drum Point | $1,637 |
| Dundalk | $2,429 |
| Dunkirk | $1,817 |
| Earleville | $1,781 |
| East New Market | $1,541 |
| East Riverdale | $2,453 |
| Easton | $1,481 |
| Eckhart Mines | $1,493 |
| Eden | $1,601 |
| Edgemere | $2,333 |
| Edgewater | $1,853 |
| Edgewood | $2,261 |
| Edmonston | $2,465 |
| Eldersburg | $1,781 |
| Elk Mills | $1,817 |
| Elkridge | $2,021 |
| Elkton | $1,793 |
| Ellerslie | $1,517 |
| Ellicott City | $1,961 |
| Emmitsburg | $1,565 |
| Essex | $2,513 |
| Ewell | $1,577 |
| Fairland | $2,153 |
| Fairmount Heights | $2,633 |
| Fairplay | $1,517 |
| Fairwood | $2,117 |
| Fallston | $1,877 |
| Faulkner | $1,949 |
| Federalsburg | $1,481 |
| Ferndale | $2,093 |
| Finksburg | $1,781 |
| Fishing Creek | $1,553 |
| Flintstone | $1,517 |
| Forest Heights | $2,585 |
| Forest Hill | $1,865 |
| Forestville | $2,573 |
| Fork | $2,009 |
| Fort Howard | $2,297 |
| Fort Meade | $1,937 |
| Fort Washington | $2,357 |
| Fountainhead-Orchard Hills | $1,469 |
| Four Corners | $2,165 |
| Frederick | $1,577 |
| Freeland | $1,949 |
| Friendly | $2,393 |
| Friendship | $1,889 |
| Friendship Heights Village | $1,709 |
| Friendsville | $1,553 |
| Frostburg | $1,493 |
| Fruitland | $1,553 |
| Fulton | $1,841 |
| Funkstown | $1,505 |
| Gaithersburg | $1,937 |
| Galena | $1,589 |
| Galesville | $1,865 |
| Gambrills | $1,937 |
| Gapland | $1,529 |
| Garrett Park | $1,937 |
| Garrison | $2,645 |
| Georgetown | $1,781 |
| Germantown | $1,913 |
| Gibson Island | $1,793 |
| Girdletree | $1,553 |
| Glassmanor | $2,585 |
| Glen Arm | $2,057 |
| Glen Burnie | $2,033 |
| Glen Echo | $1,757 |
| Glenarden | $2,393 |
| Glenelg | $1,841 |
| Glenn Dale | $2,213 |
| Glenwood | $1,805 |
| Glyndon | $2,357 |
| Goldsboro | $1,493 |
| Grahamtown | $1,505 |
| Grantsville | $1,529 |
| Grasonville | $1,553 |
| Great Mills | $1,685 |
| Greenbelt | $2,189 |
| Greensboro | $1,553 |
| Gunpowder | $2,105 |
| Gwynn Oak | $3,209 |
| Hagerstown | $1,529 |
| Halethorpe | $2,345 |
| Halfway | $1,493 |
| Hampstead | $1,853 |
| Hampton | $2,237 |
| Hancock | $1,565 |
| Hanover | $1,985 |
| Harmans | $1,997 |
| Harwood | $1,853 |
| Havre De Grace | $1,829 |
| Hebron | $1,541 |
| Helen | $1,649 |
| Henderson | $1,505 |
| Herald Harbor | $1,805 |
| Highland | $1,841 |
| Hillandale | $2,441 |
| Hillcrest Heights | $2,585 |
| Hillsboro | $1,493 |
| Hollywood | $1,637 |
| Hughesville | $1,949 |
| Hunt Valley | $2,237 |
| Huntingtown | $1,697 |
| Hurlock | $1,541 |
| Hyattsville | $2,525 |
| Hydes | $1,997 |
| Ijamsville | $1,565 |
| Ilchester | $1,985 |
| Indian Head | $2,069 |
| Ingleside | $1,589 |
| Ironsides | $1,949 |
| Issue | $1,937 |
| Jarrettsville | $1,877 |
| Jefferson | $1,553 |
| Jessup | $2,021 |
| Joppa | $2,081 |
| Keedysville | $1,541 |
| Kemp Mill | $2,165 |
| Kennedyville | $1,577 |
| Kensington | $1,793 |
| Kettering | $2,285 |
| Keymar | $1,673 |
| Kingsville | $2,069 |
| Kitzmiller | $1,553 |
| Knoxville | $1,613 |
| Konterra | $2,141 |
| La Plata | $1,925 |
| La Vale | $1,493 |
| Ladiesburg | $1,553 |
| Lake Arbor | $2,321 |
| Lake Shore | $1,889 |
| Landover | $2,561 |
| Landover Hills | $2,513 |
| Langley Park | $2,417 |
| Lanham | $2,381 |
| Lanham Seabrook | $2,381 |
| Lansdowne | $2,321 |
| Largo | $2,285 |
| Laurel | $2,093 |
| Laytonsville | $1,937 |
| Leitersburg | $1,457 |
| Leonardtown | $1,625 |
| Lexington Park | $1,673 |
| Libertytown | $1,541 |
| Lineboro | $1,757 |
| Linganore | $1,589 |
| Linkwood | $1,541 |
| Linthicum | $2,093 |
| Linthicum Heights | $2,081 |
| Lisbon | $1,793 |
| Little Orleans | $1,541 |
| Lochearn | $2,825 |
| Lonaconing | $1,517 |
| Long Green | $2,153 |
| Lothian | $1,841 |
| Loveville | $1,625 |
| Luke | $1,529 |
| Lusby | $1,625 |
| Lutherville | $2,141 |
| Lutherville Timonium | $2,153 |
| Maddox | $1,685 |
| Madison | $1,553 |
| Manchester | $1,769 |
| Manokin | $1,577 |
| Marbury | $2,057 |
| Mardela Springs | $1,529 |
| Marion Station | $1,577 |
| Marlow Heights | $2,561 |
| Marriottsville | $1,937 |
| Marydel | $1,493 |
| Maryland City | $2,021 |
| Maryland Line | $2,105 |
| Massey | $1,577 |
| Maugansville | $1,493 |
| Mayo | $1,853 |
| Mc Henry | $1,553 |
| McDaniel | $1,493 |
| Mechanicsville | $1,805 |
| Middle River | $2,501 |
| Middletown | $1,661 |
| Midlothian | $1,529 |
| Milford Mill | $2,849 |
| Millersville | $1,829 |
| Millington | $1,577 |
| Mitchellville | $2,237 |
| Monkton | $2,033 |
| Monrovia | $1,625 |
| Montgomery Village | $1,961 |
| Morganza | $1,661 |
| Morningside | $2,585 |
| Mount Aetna | $1,469 |
| Mount Airy | $1,613 |
| Mount Lena | $1,529 |
| Mount Rainier | $2,489 |
| Mount Savage | $1,505 |
| Mount Vernon | $1,649 |
| Mount Victoria | $1,949 |
| Mountain Lake Park | $1,553 |
| Myersville | $1,577 |
| Nanjemoy | $1,985 |
| Nanticoke | $1,541 |
| National Harbor | $2,477 |
| Naval Academy | $1,829 |
| Neavitt | $1,493 |
| New Carrollton | $2,525 |
| New Market | $1,601 |
| New Midway | $1,553 |
| New Windsor | $1,745 |
| Newark | $1,541 |
| Newburg | $1,937 |
| Newcomb | $1,493 |
| North Beach | $1,817 |
| North Bethesda | $1,757 |
| North East | $1,853 |
| North Kensington | $1,853 |
| North Potomac | $1,805 |
| Nottingham | $2,225 |
| Oakland | $1,553 |
| Ocean City | $1,529 |
| Ocean Pines | $1,529 |
| Odenton | $1,949 |
| Oldtown | $1,529 |
| Olney | $1,937 |
| Overlea | $2,837 |
| Owings | $1,757 |
| Owings Mills | $2,537 |
| Oxford | $1,481 |
| Oxon Hill | $2,501 |
| Paramount-Long Meadow | $1,457 |
| Park Hall | $1,685 |
| Parkton | $1,973 |
| Parkville | $2,513 |
| Parole | $1,853 |
| Parsonsburg | $1,601 |
| Pasadena | $1,925 |
| Patuxent River | $1,637 |
| Peppermill Village | $2,609 |
| Perry Hall | $2,309 |
| Perry Point | $1,841 |
| Perryman | $1,913 |
| Perryville | $1,913 |
| Phoenix | $2,057 |
| Pikesville | $2,909 |
| Piney Point | $1,649 |
| Pinto | $1,529 |
| Pittsville | $1,541 |
| Pleasant Hills | $1,973 |
| Pocomoke City | $1,601 |
| Point of Rocks | $1,625 |
| Pomfret | $1,973 |
| Poolesville | $1,889 |
| Port Deposit | $1,865 |
| Port Republic | $1,637 |
| Port Tobacco | $1,949 |
| Potomac | $1,817 |
| Potomac Heights | $2,069 |
| Potomac Park | $1,493 |
| Powellville | $1,529 |
| Preston | $1,481 |
| Price | $1,589 |
| Prince Frederick | $1,757 |
| Princess Anne | $1,649 |
| Pylesville | $1,865 |
| Quantico | $1,589 |
| Queen Anne | $1,589 |
| Queenstown | $1,553 |
| Randallstown | $2,933 |
| Rawlings | $1,529 |
| Redland | $2,009 |
| Rehobeth | $1,577 |
| Reisterstown | $2,453 |
| Rhodesdale | $1,541 |
| Riderwood | $2,249 |
| Ridge | $1,637 |
| Ridgely | $1,505 |
| Rising Sun | $1,889 |
| Riva | $1,865 |
| Riverdale | $2,489 |
| Riverdale Park | $2,489 |
| Riviera Beach | $1,889 |
| Robinwood | $1,469 |
| Rock Hall | $1,577 |
| Rock Point | $1,853 |
| Rockville | $1,889 |
| Rocky Ridge | $1,577 |
| Rohrersville | $1,529 |
| Rosedale | $2,789 |
| Rossville | $2,477 |
| Royal Oak | $1,481 |
| Sabillasville | $1,529 |
| Saint Inigoes | $1,685 |
| Saint Leonard | $1,625 |
| Saint Marys | $1,649 |
| Saint Marys City | $1,649 |
| Salisbury | $1,589 |
| Sandy Spring | $2,033 |
| Savage | $2,033 |
| Scaggsville | $1,985 |
| Scotland | $1,685 |
| Seabrook | $2,381 |
| Seat Pleasant | $2,609 |
| Secretary | $1,541 |
| Severn | $2,033 |
| Severna Park | $1,841 |
| Shady Side | $1,865 |
| Sharpsburg | $1,541 |
| Sharptown | $1,541 |
| Sherwood | $1,493 |
| Sherwood Forest | $1,877 |
| Showell | $1,529 |
| Silver Hill | $2,621 |
| Silver Spring | $2,141 |
| Simpsonville | $1,973 |
| Smithsburg | $1,469 |
| Snow Hill | $1,601 |
| Solomons | $1,625 |
| Somerset | $1,697 |
| South Kensington | $1,841 |
| South Laurel | $2,177 |
| Sparks Glencoe | $2,081 |
| Sparrows Point | $2,393 |
| Spencerville | $2,105 |
| Spring Gap | $1,529 |
| Spring Ridge | $1,565 |
| Springdale | $2,309 |
| St. James | $1,505 |
| St. Michaels | $1,481 |
| Stevenson | $2,189 |
| Stevensville | $1,565 |
| Still Pond | $1,589 |
| Stockton | $1,541 |
| Street | $1,829 |
| Sudlersville | $1,577 |
| Suitland | $2,609 |
| Sunderland | $1,781 |
| Swanton | $1,541 |
| Sykesville | $1,769 |
| Takoma Park | $2,297 |
| Tall Timbers | $1,649 |
| Taneytown | $1,769 |
| Taylors Island | $1,553 |
| Temple Hills | $2,513 |
| Templeville | $1,493 |
| Thurmont | $1,565 |
| Tilghman | $1,505 |
| Tilghmanton | $1,517 |
| Timonium | $2,165 |
| Toddville | $1,553 |
| Towson | $2,417 |
| Tracys Landing | $1,865 |
| Trappe | $1,493 |
| Travilah | $1,817 |
| Trego-Rohrersville Station | $1,553 |
| Tuscarora | $1,589 |
| Tyaskin | $1,565 |
| Tylerton | $1,577 |
| Union Bridge | $1,697 |
| Unionville | $1,553 |
| University Park | $2,513 |
| Upper Fairmount | $1,577 |
| Upper Falls | $2,069 |
| Upper Hill | $1,577 |
| Upper Marlboro | $2,273 |
| Upperco | $2,057 |
| Urbana | $1,625 |
| Valley Lee | $1,637 |
| Vienna | $1,589 |
| Waldorf | $2,105 |
| Walker Mill | $2,609 |
| Walkersville | $1,589 |
| Warwick | $1,745 |
| Washington Grove | $1,973 |
| Welcome | $2,009 |
| Wenona | $1,589 |
| West Friendship | $1,877 |
| West Laurel | $2,165 |
| West Ocean City | $1,529 |
| West River | $1,901 |
| Westernport | $1,529 |
| Westminster | $1,721 |
| Westover | $1,649 |
| Westphalia | $2,585 |
| Whaleyville | $1,541 |
| Wheaton | $1,985 |
| White Hall | $1,949 |
| White Marsh | $2,261 |
| White Oak | $2,165 |
| White Plains | $2,105 |
| Whiteford | $1,889 |
| Willards | $1,541 |
| Williamsport | $1,481 |
| Wilson-Conococheague | $1,493 |
| Windsor Mill | $2,981 |
| Wingate | $1,553 |
| Wittman | $1,505 |
| Woodbine | $1,757 |
| Woodlawn | $2,897 |
| Woodmore | $2,321 |
| Woodsboro | $1,589 |
| Woodstock | $2,033 |
| Woolford | $1,553 |
| Worton | $1,577 |
| Wye Mills | $1,493 |
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| None | $2,027 | 1% | $0 |
| One Med/PIP claim | $2,096 | 4% | $79 |
| One comp claim | $2,218 | 10% | $200 |
| Failure to wear a seat belt | $2,224 | 11% | $206 |
| Child safety restraint | $2,254 | 12% | $237 |
| Two Med/PIP claims | $2,245 | 12% | $238 |
| Not-at-fault accident | $2,267 | 13% | $250 |
| Failure to show documents | $2,309 | 15% | $292 |
| Driving with expired registration | $2,341 | 17% | $324 |
| Driving without lights | $2,391 | 19% | $374 |
| Texting while driving | $2,416 | 20% | $409 |
| Cell phone violation | $2,416 | 20% | $389 |
| Two comp claims | $2,424 | 21% | $396 |
| Speeding 6 - 10 MPH over limit | $2,444 | 22% | $427 |
| Speeding 16 - 20 MPH over limit | $2,445 | 22% | $428 |
| Speeding 11 - 15 MPH over limit | $2,445 | 22% | $428 |
| Driving too slowly | $2,445 | 22% | $428 |
| Failure to yield | $2,457 | 22% | $440 |
| Following too closely | $2,457 | 22% | $440 |
| Wrong way/wrong lane | $2,457 | 22% | $440 |
| Failure to stop at a red light | $2,457 | 22% | $440 |
| Illegal turn | $2,458 | 22% | $441 |
| Improper passing | $2,458 | 22% | $441 |
| Speeding in school zone | $2,472 | 23% | $455 |
| Passing school bus | $2,533 | 26% | $515 |
| At-fault accident - less than $1000 | $2,583 | 29% | $566 |
| Operating a vehicle without permission | $2,609 | 30% | $592 |
| Open container | $2,638 | 31% | $621 |
| Speeding 21 - 25 MPH over limit | $2,647 | 32% | $630 |
| In 65 MPH zone | $2,946 | 47% | $929 |
| At-fault accident - greater than $2000 | $3,027 | 51% | $1,010 |
| At-fault accident - $1000-$2000 | $3,027 | 51% | $1,010 |
| Reckless driving | $3,455 | 72% | $1,438 |
| Racing | $3,637 | 81% | $1,619 |
| Driving with a suspended license | $3,667 | 82% | $1,650 |
| Refusal to submit to a chemical test | $3,720 | 85% | $1,703 |
| DUI | $3,729 | 85% | $1,712 |
| Leaving scene of an accident/hit and run | $3,791 | 88% | $1,774 |
| Year | Avg. Annual Premium - Maryland | Yearly Change - Maryland | Avg. Annual Premium - US | Yearly Change - US |
|---|---|---|---|---|
| 2021 | $1,315 | -$121 | $1,539 | $56 |
| 2020 | $1,508 | $34 | $1,493 | -$51 |
| 2019 | $1,422 | $77 | $1,554 | $33 |
| 2018 | $1,355 | $461 | $1,531 | $94 |
| 2017 | $1,806 | $244 | $1,447 | $79 |
| 2016 | $1,572 | -$313 | $1,378 | $98 |
| 2015 | $1,895 | $226 | $1,290 | $61 |
| 2014 | $1,679 | $145 | $1,239 | $44 |
| 2013 | $1,524 | -$53 | $1,205 | -$70 |
| 2012 | $1,587 | $333 | $1,286 | $92 |
Pick up the phone and dial your insurance agent. They can get you the best rates for car insurance in Maryland. If you feel that you can do a better job then we can suggest a few ways to get the best cheap car insurance quotes in Maryland:
Know Maryland's minimum insurance requirements: To drive legally in the state of Maryland, drivers must carry a certain minimum level of auto insurance coverage. Maryland's car insurance laws don't need to be memorized; however, understanding the lowest limits available can help determine whether you need higher limits.
What do you require: Take into account the particular requirements you need. You may be able to narrow down your choices for car insurance if you know what you're looking for. Determine which companies best fit your situation by taking time to understand your unique circumstances, wants, and needs.
There are a variety of auto insurance discounts available in Maryland, but they will vary from agency to agency. If you're changing insurance providers, see if they have a transition discount. You could be able to save money by moving.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
We compared the best auto insurance firms in Maryland and discovered that Erie Insurance has the best driver rates with a minimum coverage rate of $591.
Maryland auto insurance costs are significantly more than the national average for full coverage car insurance, $1738.
Maryland, unfortunately, is not a no-fault territory. Maryland is a tort (or at-fault) jurisdiction. The driver who causes an accident uses their insurance to cover the other driver's collision-related expenses. The available information is used by police and insurance agencies to determine who is at fault for the accident.
In Maryland, personal injury protection (PIP) coverage offers immediate funds to cover missed earnings and medical costs if involved in a car accident. PIP insurance is no-fault coverage, which means you are entitled to benefits regardless of who was at fault in the car accident.
Driving without insurance is a misdemeanor criminal offense in Maryland. This means that, in addition to heavy fines, you could face prison time and the loss of your license. A first-time offense will result in 5 points on your license, a $1000 fine, and up to a year in prison.
Driving without insurance is a misdemeanor criminal offense in Maryland. This means that, in addition to heavy fines, you could face prison time and the loss of your license. A first-time offense will result in 5 points on your license, a $1000 fine, and up to a year in prison.
Driving without insurance is a misdemeanor criminal offense in Maryland. This means that, in addition to heavy fines, you could face prison time and the loss of your license. A first-time offense will result in 5 points on your license, a $1000 fine, and up to a year in prison.
Insurers are not allowed to raise the rates based on traffic incidents or breaches more than three years old. Insurers can include traffic accidents and violations that occurred within the last three years when calculating your risk.
The following is the minimum legal Maryland auto insurance coverage:
Minimum Bodily Injury Liability Coverage: $30000 per person / $60000 per accident.
Property Damage Liability Coverage: A minimum of $15,000 is required.
Pay uninsured motorist penalties for each insurance lapse - $150 for the first 30 days, $7 for each day after that. Pay a $25 restoration fee on a vehicle's registration. Pay a $1000 fine and one year in jail for offering false proof of auto insurance.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
For the best user experience, please download our Way app.
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