$51/mo
$68/mo
$70/mo
The car 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. 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.
The car owners in Maryland pays on an average of $1204 for six months for car insurance, which is more than the national average. USAA offers cheap and the best rates in Maryland.
USAA offers the cheapest liability coverage in Maryland at $51/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in Maryland ↓
Kemper provides cheap full insurance coverage in Maryland at $126/month, offering excellent value.
Read about the cheapest full coverage companies in Maryland ↓
Erie is the cheapest option after an at-fault accident in Maryland at $143 per month.
Read more about best car insurance companies after at-fault accident in Maryland ↓
Travelers was named the best overall by J.D. Power and AM Best, making it a top pick among Maryland’s best car insurers.
Check out the full list of the best car insurance companies in Maryland ↓For drivers looking to meet Maryland minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Maryland is widely available from providers like USAA at $51/month. If you opt for Allstate you will have to pay at least $158/month for your car insurance premium, which is the highest in Maryland.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $303 | $51 |
| Travelers | $404 | $68 |
| Kemper | $422 | $70 |
| Erie | $446 | $75 |
| State Farm | $451 | $76 |
| Nationwide | $564 | $95 |
| Progressive | $582 | $98 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis Kemper offers the cheapest car insurance for full coverage in Maryland at $126 per month. On the other hand Maryland Auto offers the most expensive rate at $407 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $743 | $126 |
| USAA | $820 | $138 |
| Travelers | $855 | $144 |
| State Farm | $944 | $159 |
| Erie | $1022 | $172 |
| Nationwide | $1028 | $173 |
| Progressive | $1218 | $205 |
Get Your Car Insurance Quote in Maryland Instantly!
Travelers stands out as the best car insurance provider in Maryland, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, Nationwide is a top pick for drivers seeking value and reliability.
Travelers offers a six-month premium of $517, which amounts to approximately $88 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of Nationwide is $529, which is higher than Travelers's by $12. Their higher monthly premium is, due to their strict policies on traffic violations.
Erie's premium is $546, which is significantly more expensive than Nationwide's by $17. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $517 | $88 |
| Nationwide | $529 | $88 |
| Erie | $546 | $93 |
| Kemper | $582 | $97 |
| State Farm | $808 | $136 |
| USAA | $867 | $145 |
Teens and young drivers in Maryland often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in Maryland is
$2851 for 6 months, which is more than the national average.
Kemper is the best options for cheap
car insurance for young drivers in Maryland.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $446 | $74 |
| Erie | $1390 | $234 |
| Travelers | $1479 | $249 |
| USAA | $1515 | $255 |
| State Farm | $2257 | $380 |
| Progressive | $2655 | $447 |
| Maryland Auto | $4051 | $675 |
Car insurance rates in Maryland have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average full coverage insurance cost in the Maryland remained steady at $225 in both Feb and Jan, indicating no change over the two-month period.
The average liability insurance cost in the Maryland remained steady at $225 in both Feb and Jan, indicating no change over the two-month period.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that Erie gives you the cheapest car insurance rate after an at-fault accident in Maryland at $143/month. On the other hand Allstate is the most expensive option at $557/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Erie | $849 | $143 |
| USAA | $867 | $146 |
| Travelers | $915 | $154 |
| State Farm | $1028 | $173 |
| Progressive | $1224 | $206 |
| Nationwide | $1788 | $301 |
| Maryland Auto | $3130 | $522 |
If you are living in Maryland you should opt for Kemper. Kemper ranks as number 1 across various factors like customer satisfaction, claims and rates.
In Maryland, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
Maryland may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in Maryland after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1200 | $200 |
| One Med/PIP claim | $1241 | $211 |
| Not-at-fault accident | $1289 | $215 |
| One comp claim | $1295 | $220 |
| Two Med/PIP claims | $1319 | $220 |
| Failure to wear a seat belt | $1360 | $231 |
| Failure to show documents | $1396 | $233 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Maryland is Erie at $120 per month. Maryland Auto at $599 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Erie | $713 | $120 |
| Travelers | $980 | $165 |
| Progressive | $1319 | $222 |
| USAA | $1443 | $243 |
| Allstate | $1895 | $316 |
| State Farm | $2257 | $380 |
| Nationwide | $3089 | $520 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Columbia | $1010 | $170 |
| Easton | $1034 | $172 |
| Berlin | $1040 | $177 |
| Ocean City | $1040 | $173 |
| West Ocean City | $1040 | $177 |
| Bishopville | $1045 | $174 |
| Ocean Pines | $1045 | $178 |
| Goldsboro | $1051 | $175 |
| Trappe | $1051 | $179 |
| Wye Mills | $1051 | $175 |
| Grasonville | $1057 | $180 |
| Newark | $1057 | $176 |
