Best Auto Insurance in Maryland in 2025

Allstate is one of the oldest, most financially reputable, and most popular providers (the fourth-largest) in the country.² It has one of the highest home bundling discounts among any provider (up to 25 percent), which can be a huge benefit if you’re one of Maryland’s nearly 70 percent of residents who are homeowners.³

Excellent Savings for Homeowners

If you’re a homeowner, you can benefit from the highest home bundling discount on our list (up to 25 percent). Allstate offers bundling discounts for:

• Home and auto insurance
• Renters and auto insurance
• Renters and motorcycle insurance
• Life and auto insurance

Here are a few other ways you can save with Allstate:

• New-car discount
• Smart student discount, for full-time students who maintain a 2.7 GPA, attend school away from home, or complete the teenSMART driver education program
• Safe driver discount
• Vehicle equipment discount, for safety or anti-theft equipment
• FullPay discount
• DriveWise, for allowing Allstate to track your driving via telematics

Great Coverage Add-ons

In addition to offering all the coverage you need to meet Maryland’s minimum state requirements, Allstate coverage add-ons allow you to extend your limits and benefits.

• Roadside assistance, with different membership plans available
• Rental reimbursement, if your car is being repaired under a covered insurance claim
• Windshield and glass through Auto Glass Claim Express, which gives you access to over 7,200 vetted repair shops to repair your windshield and car glass
• Personal umbrella policy, for additional coverage beyond your vehicle liability limits
• Mexico coverage, for trips across the border

Allstate HostAdvantage for Homesharing

Homeowners in Maryland who rent out their space to tenants or Airbnb guests can get extra protection with HostAdvantage. Allstate tailors this coverage specifically for homesharing, so you can be at ease while renting out your home.

The HostAdvantage plan comes with these benefits:

• Theft protection if your belongings are stolen while renting out your home
• Up to $10,000 in coverage (per rental host period) for personal property damage accidentally caused by a renter
• $25 off your first four cleanings from Merry Maids

USAA is our top pick for active military members, veterans, and their families in Maryland. It has the lowest rates among any large provider for full and minimum coverage, and excellent services unique to military members. If you’re one of the 360,000 veterans, 100,000 active-duty service members, or their dependents in Maryland, you can sign up for USAA’s exclusive membership today.⁵

Coverage Designed for Military Members

If you’re deployed overseas or in a different state, you can keep your vehicle in Maryland and save with a USAA storage discount. Here are the three main saving opportunities USAA offers for deployed military members.

You can also extend your USAA policy with you on deployment if you plan on driving overseas. USAA can cover you in the following overseas regions/countries:

• Azores
• Belgium
• Cuba
• France
• Germany
• Greece
• Guam
• Italy
• Netherlands
• Portugal
• Puerto Rico
• South Korea
• Spain
• U.S. Virgin Islands
• United Kingdom

Excellent Third-Party Ratings

Third-party rating systems are some of the only reliable methods to evaluate the creditworthiness, financial stability, and customer service quality of insurance providers. USAA is consistently one of the highest-ranked, reviewed, and rated auto insurance companies.

• AM Best rating: AM Best, which rates the financial strength and creditworthiness of insurance companies, gives USAA an A++ (Superior) rating.⁷ An A++ rating is the highest score AM Best gives to insurance providers.
• Standard and Poor’s: Standard & Poor’s (S&P) assigns letter grades to companies based on their degree of investment risk. S&P gives USAA a rating of AA, the third-highest rating it provides.⁸ This is a good indication that USAA will repay its debts with little risk of default.

Rideshare Insurance

Not all insurance providers offer rideshare insurance, but you’ll need the additional coverage if you’re driving for a rideshare company like Uber or Lyft. Rideshare companies provide you some protection through Transportation Network Company (TNC) insurance, but there are situations when you might not be insured (like when you’re waiting for a rideshare request). Rideshare insurance provides you with the added layer of protection you need in that gap in coverage.

Liberty Mutual is the sixth-largest writer of property and casualty insurance, offering customers a long list of discounts, customizable plans, and unique add-ons, like teacher and Mexico insurance. Additionally, it offers excellent commercial and fleet auto insurance for business owners in Maryland.

Several Add-Ons

Liberty Mutual has a number of optional coverages that aren’t available with every insurance provider:

Teachers’ Auto Insurance

Liberty Mutual is one of the only providers to offer customized car insurance for teachers. If you’re one of the more than 63,000 teachers in Maryland,⁹ you can get savings and protection that include:

• Vandalism loss coverage: If someone vandalizes your car on school property or during school events, you won’t have to pay a deductible for repairs.
• Personal property coverage: You get up to $2,500 in coverage per occurrence for materials or school-owned property that is stolen or damaged.
• Collision coverage: If you’re driving to school or a school-related event and you get into a collision, you won’t have to pay a deductible.
• Teacher discounts: Teachers get exclusive discounts with Liberty Mutual. Speak to your local agent to see what savings are available to you.

Best for Fleets

If you’re one of the 570,000 small business owners in Maryland, you probably need commercial auto insurance for your business and/or fleet.¹⁰ According to TRIP, a national transportation research nonprofit, Maryland’s highway system is among the worst in the U.S.¹¹ Liberty Mutual’s fleet and commercial auto insurance program can help with some of the problems you might have with highway traffic, finding skilled drivers, rising repair costs, and more.

Here’s what the plan includes:

• Expert guidance in developing a fleet safety program and finding qualified drivers
• A telematics integration to identify poor or unsafe driving habits
• Help to find fleet tracking systems that provide the best routes with real-time traffic and weather updates
• Advanced analytics to review legal bills
• Digital appraisals and access to Liberty Mutual repair shops to get you back on the road as soon as possible

Erie Insurance has some of the highest-rated customer satisfaction as of J.D. Power’s 2025 U.S. Auto Insurance Study. It received a score of 706 out of 1,000 in the Mid-Atlantic, which includes Maryland, placing second in the region. With Erie, you can expect personalized service from local agents — a plus if you prefer one-on-one help over digital tools.

High Customer Satisfaction Ratings

Among the providers on our list, Erie consistently ranked the highest (with the exception of USAA, which only serves military families). The company placed first in J.D. Power’s 2025 Insurance Shopping Study, which measures satisfaction levels for purchase experiences from different car insurance companies.¹²

Additionally, Erie placed third on J.D. Power’s 2024 U.S. Auto Claims Satisfaction study, with a rate of 733, well above the average of 697.¹³ Erie also received an A- on the CRASH Network’s insurer report card. The provider ranked sixth overall and made the “Honor Roll” for the top 30 insurers in the nation.¹⁴ These ratings point to a smooth claims process at every step.

RateLock to Keep Premiums Low

Erie offers RateLock, a feature that keeps your policy premiums the same every year. If you sign up, your rates stay the same even if you file a claim. Your rate will only change if you make changes to your policy, like moving or adding /removing a car or driver. Note that Erie can still choose to cancel or not renew your policy, which is more likely after a serious violation.

While Erie’s rates for Maryland drivers are higher than some of the other providers on our list, they’re still below the statewide average. With premiums rising in recent years due to inflation and rising repair costs, Erie may be worth considering if you want to pay less for car insurance over time.

Local Agents

Unlike GEICO, which only has local agents in the D.C. and Baltimore areas of Maryland, Erie has local agents throughout the state, in cities including:

• Annapolis
• Baltimore
• Bowie
• Davidsonville
• Elkridge
• Gambrills
• Hanover
• Laurel
• Millersville
• Odenton
• Pasadena

It’s easy to find an agent near you on Erie’s website. Just type in your zip code to find a local agent.

GEICO offers the lowest average rates in Maryland for full and minimum coverage after USAA (which is only available to military-affiliated customers). On average, full coverage car insurance in Maryland costs $149 monthly from GEICO, 25 percent less than the statewide average of $198.

Cheap Rates in Maryland

GEICO offers some of the cheapest average car insurance rates in Maryland and is widely available regardless of affiliation (unlike USAA). It’s cheapest in the state for drivers with DUIs or poor credit — with average rates even lower than USAA’s for these categories.

Military Discount

Although GEICO did not offer the lowest average prices compared to USAA when it came to minimum coverage, it managed to beat USAA for drivers with poor credit as well as DUI insurance. Additionally, GEICO offers a military discount, up to 15 percent off certain coverages for active-duty members or veterans, plus a discount of up to 25 percent for people involved in emergency deployment to imminent danger zones.

Roadside Assistance

GEICO charges as little as $14 a year per car for roadside assistance, which includes:

• Towing within 20 miles
• Jump starts
• Tire changes (requires a spare)
• Lockout services up to $100
• Winching
• Fuel delivery (does not include cost of gas)

It’s easy to request roadside assistance through GEICO’s mobile app, and it can apply not only to standard vehicles like cars and trucks, but also RVs and motorcycles.