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Last updated: January 12, 2026Best 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
Full Coverage Averages in MD
- Annual premium: $1,957
- Monthly premium: $163
Best for Military and Veterans
Editor's Rating:5/5
Full Coverage Averages in MD
- Annual premium: $1,562
- Monthly premium: $130
Best for Add-Ons
Editor's Rating:4.5/5
Full Coverage Averages Nationally
- Annual premium: $2,861
- Monthly premium: $238
Key Takeaways
- GEICO is best for people seeking the cheapest car insurance in Maryland. Meanwhile, drivers with other profiles may want to consider State Farm, USAA, Liberty Mutual, or Erie.
- Maryland drivers can expect to pay about $2,435 for full coverage and $1,040 for minimum coverage. On average, car insurance in Maryland is pricier than the national average rates.
- 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 and Veterans: USAA
- Best for Add-Ons: Liberty Mutual
- Best for Customer Service: Erie
- Most Affordable: GEICO
Comparison of the Best 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 | $1,957 | $773 | Above average |
| USAA | $1,562 | $561 | Above average |
| Liberty Mutual | Data unavailable | Data unavailable | Below average |
| Erie | $2,109 | $878 | Above average |
| GEICO | $1,679 | $651 | Below average |
| Maryland | $2,435 | $1,040 | – |
Detailed List of the Best Auto Insurance in Maryland
1. Best for Bundling - State Farm
What We Like Most:
- Local Maryland agents
- Excellent bundling discount
- Great customer satisfaction scores
Why we chose it
State Farm has offered reliable insurance for over 100 years and takes our top choice for bundling. The company states that drivers can save up to $1,356 for bundling their car and home insurance, and State Farm also gives discounts if you combine your auto policy with renters, condo, or life insurance.1
For those who value personalized service, State Farm has local agents to help you with your policy, whether it’s changing coverages or asking about discounts.
In addition, State Farm also earned above-average ratings in J.D. Power’s 2025 Claims Satisfaction and Insurance Shopping studies. That means State Farm customers can expect a smooth claims service and an excellent quote process. Among providers on our list, State Farm placed second for the Mid-Atlantic region with a score of 673 points.
Who it’s best for
Homeowners, safe drivers, those planning to purchase full coverage
State Farm Maryland Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $163 | $64 |
| Annually | $1,957 | $773 |
| Difference from Maryland average | -20% | -26% |
2. Best for Military and Veterans - USAA
What We Like Most:
- Cheapest Maryland rates
- Caters to the military community
- Legacy discount for young drivers
Why we chose it
USAA has the lowest rates among any large provider in Maryland for full and minimum coverage. It also has discounts unique to military members, including ones for keeping your vehicle on a military base and storing your car during deployment. USAA’s policies also provide overseas insurance coverage for deployed military members.
For members of the military community who drive for Uber or Lyft, USAA also provides rideshare insurance to fill in the coverage gap from their personal policy.
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
Safe drivers; military members, veterans, and their spouses and children; rideshare drivers
USAA Maryland Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $130 | $47 |
| Annually | $1,562 | $561 |
| Difference from Maryland average | -36% | -46% |
3. Best for Add-Ons - Liberty Mutual
What We Like Most:
- Perks for teachers
- Gap insurance and new/better car replacement
- Coverage for business owners
Why we chose it
Liberty Mutual is the sixth-largest writer of property and casualty insurance. The provider has add-ons that not every auto insurer offers, including new car replacement, lifetime repair guarantee, and gap insurance. Liberty Mutual also offers customized car insurance for teachers, including coverage for school-related damages.
Additionally, it 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. Best for Customer Service - Erie
What We Like Most:
- Very high customer satisfaction scores on J.D. Power
- RateLock option keeps premiums stable
- Independent agents
Why we chose it
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 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
Safe drivers, customers looking to balance price and service, those who need rideshare insurance
Erie Maryland Pricing
| Erie | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $176 | $73 |
| Annually | $2,109 | $878 |
| Difference from Maryland average | -13% | -15% |
5. Most Affordable - GEICO
What We Like Most:
- Cheap Maryland rates, regardless of driving history
- Federal employee and military discount
- Strong digital tools
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 $140 monthly from GEICO, 31 percent less than the statewide average. It’s also the cheapest in the state for drivers with DUIs or poor credit.
Additionally, GEICO offers multiple military discounts, including up to 15 percent off certain coverages for active-duty members or veterans.
For those who want roadside assistance, GEICO offers this policy add-on for as little as $14 a year. You can request roadside assistance through GEICO’s mobile app, and the coverage includes towing within 20 miles, jump starts, and tire changes.
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 | $140 | $54 |
| Annually | $1,679 | $651 |
| Difference from Maryland average | -31% | -37% |
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 | 673 | C- | 716 | 2.15 |
| USAA | 743 | D+ | 741 | 2.74 |
| Liberty Mutual | 632 | D+ | 730 | 3.51 |
| Erie | 706 | A- | 743 | 1.31 |
| GEICO | 643 | C- | 697 | 1.95 |
| Average | (656 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
If you live in Maryland, expect full coverage premiums to cost about 3 percent more compared to the national average. The average rate of full coverage car insurance in Maryland is about $2,435 annually or $203 monthly.
| Category | Full coverage average (annual) | Full coverage average (monthly) |
|---|---|---|
| Maryland Average | $2,435 | $203 |
| National Average | $2,356 | $196 |
Minimum Coverage Rates in Maryland
For a minimum coverage policy, Maryland drivers pay about $1,040 per year or $87 per month. These rates are about 44 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 | $1,040 | $87 |
| National Average | $722 | $60 |
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 $2,045 annually or $170 monthly. On the other hand, Germantown’s premiums are significantly more expensive. Residents there pay about $3,341 annually or $278 monthly.
| City | Average annual premium | Average monthly premium |
|---|---|---|
| Potomac | $2,045 | $170 |
| Baltimore | $2,210 | $184 |
| Silver Spring | $2,230 | $186 |
| College Park | $2,446 | $204 |
| Columbia | $2,454 | $205 |
| Waldorf | $2,460 | $205 |
| Germantown | $3,341 | $278 |
How Many Car Accidents Happen in Maryland?
The Maryland Highway Safety Office reports that there were 110,401 car crashes in 2023. Out of those incidents, 28,577 resulted in injuries and 577 were fatal crashes. Moreover, almost half of those crashes involved distracted driving.7
Minimum Auto Insurance Requirements in Maryland
Maryland has more than 4 million licensed drivers, requiring them to have car insurance before hitting the road. The state’s insurance laws mandate these minimum coverage limits:
- $30,000 per person/$60,000 per accident for bodily injury liability
- $15,000 per accident for property damage liability
- Matching bodily injury and property damage limits for uninsured/underinsured motorist8
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
USAA has a financial office in Annapolis, Maryland.
You cannot go any period of time without car insurance in Maryland. If you’re caught driving without insurance, you will be charged $200 for the first 30 days lapsed and $7 a day thereafter, according to the Maryland Department of Transportation Motor Vehicle Administration (MVA).
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.
At-fault laws, also known as tort laws, still apply if you get into an accident—even if you don’t have insurance. That means it’s still possible for you to file a claim through the other driver’s provider. However, if you’re at fault in the accident, you could face penalties, jail time, or a lawsuit. If you don’t have insurance, you will be financially responsible for any injuries or damage you caused in the accident.
According to the Insurance Research Council, 17 percent of drivers in Maryland do not have insurance. That’s the 14th-highest uninsured motorist rate in the country. The national average is about 15 percent.
Senior Writer & Editor
Jacqueline Quach holds years of experience in content writing, blogging, and copywriting, and has a professional background in user experience design, helping clients and businesses develop their content strategy. Jacqueline writes for multiple brands and websites, empowering customers in their purchase process through content. She also contributes to Savings.com and has written for Angi and SeniorLiving.org. Her work has been featured on MSN.com and Dayspa Magazine. Jacqueline holds a B.A. in Communication Studies from the University of California, Los Angeles.
Citations
Save up to $1,356 when bundling auto & home insurance. State Farm. (2026).
https://www.statefarm.com/insurance/bundling2023 Demographics: Chapter 2 – Active Duty Members. Military OneSource. (2025).
https://demographics.militaryonesource.mil/chapter-2-geographic-location-usa/It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds. J.D. Power. (2025, Oct 28).
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.htmMaryland Crash Data. Zero Deaths Maryland. (2026).
https://zerodeathsmd.gov/resources/crashdata/Insurance Requirements for Maryland Vehicles. Maryland Department of Transportation. (2026).
https://mva.maryland.gov/documents/icd-004.pdf
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