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Best Auto Insurance in Maryland in 2026
State Farm, USAA, Liberty Mutual, Erie, and GEICO are our top picks in the Old Line State.
Best for Bundling
Editor's Rating:
4.9/5
4.9/5
Full Coverage Averages in MD
- Annual premium: $2,315
- Monthly premium: $193
Best for Military and Veterans
Editor's Rating:5/5
5/5
Full Coverage Averages in MD
- Annual premium: $1,473
- Monthly premium: $123
Best for Add-Ons
Editor's Rating:4.5/5
4.5/5
Full Coverage Averages Nationally
- Annual premium: $2,753
- Monthly premium: $229
Last updated: October 22, 2026
Key Takeaways: Best Auto Insurance in Maryland 2026
GEICO offers the most affordable rates in Maryland, while State Farm, USAA, Liberty Mutual, and Erie stand out for other driver needs.
Full coverage in Maryland averages $2,465/year; minimum coverage averages $1,104/year.
GEICO offers the cheapest full coverage rate among non-military insurers, at $1,614/year.
USAA has the lowest rates overall but is limited to military members and their families.
Erie earned one of the highest customer satisfaction scores in the Mid-Atlantic region, per J.D. Power.
Since our pricing numbers represent average rates, they may not be reflected in your quote. We recommend that you use them as a guide to compare insurers and narrow your options.
Summary of the Best Auto Insurance in Maryland
- Best for Bundling: State Farm
- Best for Military/Veterans: USAA
- Best for Add-Ons: Liberty Mutual
- Best for Customer Service: Erie
- Best for Cheap Coverage: GEICO
Compare the Best Cheap Auto Insurance in Maryland
| Company | Full Coverage Monthly Avg. in MD | Minimum Coverage Monthly Avg. in MD | Mid-Atlantic customer satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $2,315 | $1,070 | Above average |
| USAA | $1,473 | $567 | Above average |
| Liberty Mutual | Data unavailable | Data unavailable | Below average |
| Erie | $2,271 | $886 | Above average |
| GEICO | $1,614 | $636 | Below average |
| Maryland | $2,465 | $1,104 | – |
Breaking Down the Best Cheap Auto Insurance in Maryland
1. State Farm - Best for Bundling
4.9
Editor's Rating:
- Average Maryland Rate for Minimum Coverage
- $89 mo.
- Average Maryland Rate for Full Coverage
- $193 mo.
Excellent bundling discount- Local Maryland agents for personalized service
- Great customer satisfaction scores
Must complete quotes by phone- No accident forgiveness
Why we chose it
State Farm has offered reliable insurance for over 100 years and is our top choice for bundling: policyholders can save up to $1,429 when bundling their car insurance with a home, renters, condo, or life insurance policy.1 For those who value personalized service, State Farm has local agents to help with matters like changing coverages or applying discounts to your policy.
In addition, State Farm also earned above-average ratings in J.D. Power’s Claims Satisfaction and Insurance Shopping studies. That means State Farm customers can expect a smooth claims service and an excellent quote process. State Farm is above average amongst providers in the Mid-Atlantic region, with a score of 673 points.
Who it’s best for
Homeowners seeking to bundle home and auto policies, safe drivers, those planning to purchase full coverage
State Farm Maryland Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $193 | $89 |
| Annually | $2,315 | $1,070 |
| Difference from Maryland average | -6% | -3% |
2. USAA - Best for Military/Veterans
5
Editor's Rating:
- Average Maryland Rate for Minimum Coverage
- $47 mo.
- Average Maryland Rate for Full Coverage
- $123 mo.
- Cheapest average Maryland rates on our list
- Military-centric coverage and perks
- Excellent customer satisfaction
- Military eligibility required
- Limited to members
- Fewer branch locations
Why we chose it
USAA caters to the military, with membership limited to active military members, veterans, and their family. It has the lowest rates of any large provider in Maryland for full and minimum coverage, and offers military-centric coverage, such as an overseas insurance coverage option and discounts for keeping your vehicle on a military base or storing your car during deployment.
This insurer is particularly known for offering great service, and is usually top-ranked year after year on J.D. Power’s Auto Insurance Study for customer satisfaction. It offers a wide range of add-ons, like rideshare coverage and roadside assistance, as well as its telematics program (SafePilot) which allows users to earn a discount on their premium for safe driving.
DID YOU KNOW?
Maryland has nearly 28,000 active-duty military members, which makes up about 2.5 percent of all U.S.-based personnel.2
Who it’s best for
Military members, veterans, and their spouses and children; customers who value great service
USAA Maryland Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $123 | $47 |
| Annually | $1,473 | $567 |
| Difference from Maryland average | -40% | -49% |
3. Liberty Mutual - Best for Add-Ons
4.5
Editor's Rating:
- Average Rate for Minimum Coverage
- $115 mo.
- Average Rate for Full Coverage
- $238 mo.
- Add-ons like gap insurance and new car replacement
- Teacher-specific perks and coverage
- Coverage for business owners
- Telematics required for best savings
- Mixed reviews
Why we chose it
Liberty Mutual is one of the biggest auto insurance providers and offers valuable coverage add-ons that not every insurer does, including new car replacement, lifetime repair guarantee, and gap insurance. It also offers customized car insurance for teachers, including coverage for school-related damages.
Additionally, Liberty Mutual offers an excellent fleet and commercial auto insurance program. With this plan, Maryland business owners can get help with common challenges, including highway traffic, finding skilled drivers, rising repair costs, and more.
Who it’s best for
Teachers, drivers who plan to manage their policies online, people who need gap insurance
4. Erie - Best for Customer Service
5
Editor's Rating:
- Average Maryland Rate for Minimum Coverage
- $74 mo.
- Average Maryland Rate for Full Coverage
- $189 mo.
- Superb customer satisfaction scores
- Rate Lock option for stabilizing premiums
- Personalized service through independent agents
- Agent-only
- Fewer online features
Why we chose it
Erie Insurance has some of the highest-rated customer satisfaction as of J.D. Power’s 2026 U.S. Auto Insurance Study. It received a score of 704 out of 1,000 in the Mid-Atlantic, which includes Maryland, placing first in the region. With Erie, you can expect personalized service from local independent agents — a plus if you prefer one-on-one help over digital tools.
Another unique feature is RateLock, which keeps your policy premiums the same every year. If you sign up, your rates stay the same even if you file a claim. With premiums rising in recent years, Erie is worth considering if you want to pay less for car insurance over time.
Who it’s best for
Drivers who prioritize good customer service, customers wanting stable rates, those who prefer working with agents
Erie Maryland Pricing
| Erie | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $189 | $74 |
| Annually | $2,271 | $886 |
| Difference from Maryland average | -8% | -20% |
5. GEICO - Best for Cheap Coverage
4.9
Editor's Rating:
- Average Maryland Rate for Minimum Coverage
- $53 mo.
- Average Maryland Rate for Full Coverage
- $134 mo.
- Affordable rates regardless of driving history
- Federal employee and military discount
- Strong digital tools for self-service
- Limited agent presence
- Doesn't underwrite home insurance
Why we chose it
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 $134 monthly from GEICO, 35 percent less than the statewide average. It’s also the cheapest in the state for non-military drivers with DUIs, poor credit, or speeding tickets.
Additionally, GEICO has an intuitive digital interface for policy purchase and management, including an easy-to-use app from which you can submit claims or update coverages. This is best if you prefer self-service rather than working with an agent. Finally, GEICO offers multiple military discounts, including up to 15 percent off coverages for active-duty members or veterans.
Who it’s best for
Drivers on a budget, customers who prefer to shop and manage policies digitally, Marylanders with a DUI on their driving record
GEICO Maryland Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $134 | $53 |
| Annually | $1,614 | $636 |
| Difference from Maryland average | -35% | -42% |
Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Mid-Atlantic3 | CRASH Network Report Card4 | J.D. Power Claims Satisfaction5 | NAIC Complaint Index6 |
|---|---|---|---|---|
| State Farm | 669 | D+ | 716 | 2.15 |
| USAA | 721 | C- | 741 | 2.74 |
| Liberty Mutual | 623 | D+ | 730 | 3.51 |
| Erie | 704 | A- | 743 | 1.31 |
| GEICO | 634 | C- | 697 | 1.95 |
| Average | (651 out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Average Cost of Auto Insurance in Maryland
Full Coverage Rates in Maryland
The average rate of full coverage car insurance in Maryland is about $2,465 annually or $205 monthly. That’s slightly less than the national average.
| Category | Full coverage average (annual) | Full coverage average (monthly) |
|---|---|---|
| Maryland Average | $2,465 | $205 |
| National Average | $2,660 | $222 |
Minimum Coverage Rates in Maryland
For a minimum coverage policy, Maryland drivers pay about $1,104 per year or $92 per month. These rates are about 45 percent higher compared to the national average.
Since car insurance premiums can differ because of your accident history, car, and insurer, we suggest getting quotes from at least three providers. You may find that one provider charges much less for the same coverage than another.
| Category | Minimum coverage average (annual) | Minimum coverage average (monthly) |
|---|---|---|
| Maryland Average | $1,104 | $92 |
| National Average | $760 | $63 |
Auto Insurance Costs by City in Maryland
Your premium depends on where you live, including your neighborhood. Those who live in Potomac have some of the lowest car insurance premiums, at $2,534 annually or $211 monthly. On the other hand, Baltimore’s premiums are significantly more expensive. Residents there pay about $3,992 annually or $333 monthly.
| City | Average annual premium | Average monthly premium |
|---|---|---|
| Baltimore | $3,992 | $333 |
| College Park | $3,192 | $266 |
| Waldorf | $2,965 | $247 |
| Silver Spring | $2,902 | $242 |
| Columbia | $2,722 | $227 |
| Germantown | $2,666 | $222 |
| Potomac | $2,534 | $211 |
How Many Car Accidents Happen in Maryland?
The Maryland Highway Safety Office reported 103,106 crashes in the state in 2025, which resulted in 486 deaths.7 Among those who died, 121 were not motorists — i.e., pedestrians or cyclists. In general, speeding and impaired driving are leading causes of traffic fatalities in Maryland.
The crashes resulted in about 3,000 suspected serious injuries and 37,000 suspected minor or possible injuries.
As of October 2026, the state reported 81,503 crashes. These crashes have resulted in 317 deaths, of which 77 were not motorists.
Minimum Auto Insurance Requirements in Maryland
Maryland’s auto insurance laws mandate these minimum coverage limits:
- Bodily injury liability: $30,000 per person/$60,000 per accident
- Property damage liability: $15,000 per accident
- Uninsured/underinsured motorist: Matching limits for bodily injury and property damage limits8
Although minimum coverage gets you on the road, it doesn’t offer enough protection. If you’re in a serious accident, you’re likely to pay most of the damages out of pocket. It’s important to get full coverage if you can, so you can also have your car repaired. This includes coverages like comprehensive and collision, which foot the bill for repairs after you pay a deductible.
Methodology - How We Choose Providers
To find Maryland’s top auto insurance providers, we assessed insurers across four categories.
- Pricing (40%): We reviewed average annual premiums for full and minimum coverage for a good driver in Maryland, with average credit and 12,000 annual miles. We also analyzed rates for high-risk profiles, such as drivers with DUIs. Finally, we considered available discounts, including bundling, good student, and telematics options. Minimum coverage averages included only the state-required coverages and limits. Full coverage averages were based on the following coverages and limits:
- Bodily injury: $100,000 per person/$300,000 per accident
- Property damage: $50,000 per accident
- Uninsured/underinsured motorist: $100,000 per person/$300,000 per accident
- Collision and comprehensive: $500 deductible
- Claims Handling (25%): We checked the efficiency and fairness of claims processing by consulting third-party evaluations from sources like J.D. Power and AM Best.
- Customer Experience (25%): We evaluated the overall experience of obtaining quotes, purchasing policies, and interacting with insurers. This included assessing availability of local agents and regional customer satisfaction scores from studies like J.D. Power’s U.S. Auto Insurance Study.
- Coverage Options (10%): We favored insurers offering protection beyond basic requirements—including optional coverages like gap insurance, new car replacement coverage, and rideshare coverage.
Read more about our ratings and methodology.
Frequently Asked Questions
To reiterate our analysis above, the best companies in Maryland are:
- State Farm for bundling policies
- USAA for military and veterans
- Liberty Mutual for policy add-ons
- Erie for customer service
- GEICO for cheap coverage
All of our selected providers were evaluated on a number of factors, including cost, J.D. Power satisfaction, and CRASH Network claims grades.
Car insurance in Maryland averages $205/month for full coverage and $92/month for minimum coverage. Full coverage in Maryland is slightly less expensive than the national average, while minimum coverage in Maryland is significantly more expensive than the national average. You can compare rates using our tools above.
Maryland rates are above the national average (for minimum coverage) primarily due to high congestion and population density, which translates to higher rates of collisions and insurance claims. Additionally, rates are up due to inflation and higher claim payouts in recent years.
Start by getting at least three quotes from different insurers (based on the same coverages each) to see who offers the most competitive rate. You can select these companies based on:
- Average rates for full or minimum coverage in Maryland
- Claims satisfaction scores (such as on J.D. Power and CRASH Network studies)
- Financial strength (for instance, an A grade or higher from AM Best)
- SR-22 availability (for high risk drivers with serious violations)
Maryland is an at-fault state, which means that the at-fault driver is responsible for the cost of injuries and property damages of both drivers.
Sources
Save up to $1,429 when bundling auto & home insurance. State Farm. (2026).
https://www.statefarm.com/insurance/bundling2024 Demographics. Military On Source. (2024).
https://demographics.militaryonesource.mil/chapter-2-geographic-location-usa/Auto Insurers Struggle to Maintain Seamless Interactions Across Channels, JD Power Finds. JD Power. (2026, Jun 09).
https://www.jdpower.com/business/press-releases/2026-us-auto-insurance-study91 U.S. auto insurers graded in 2026. Crash Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 27).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2026).
https://content.naic.org/cis_refined_results.htmCrash Data Dashboard. Zero Deaths Maryland. (2026).
https://zerodeathsmd.gov/data/crash-data-dashboard/
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