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Last updated: June 5, 2023

The Average Cost of Car Insurance in Maryland

How much is car insurance in the Old Line State?

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Maryland law requires all drivers to carry auto insurance. The average cost of car insurance in Maryland is $1,201, which is $154 higher than the national average of $1,047, according to data from the National Association of Insurance Commissioners.

That being said, how much you’ll pay depends on many factors, including your age, ZIP code, gender, and credit score. Maryland is a liability, or at-fault, state, which also affects auto insurance costs. Before you decide on an auto insurance provider, review our guide for average auto insurance costs in Maryland.

Average Cost of Car Insurance in Maryland

Across all demographics, the average cost of car insurance in Maryland is $1,201, which translates to $100 per month for full coverage car insurance. Compared to the average annual cost of car insurance across the U.S., insurance costs in Maryland are 15 percent higher than the national average. Maryland requires liability coverage, uninsured motorist coverage, and medical payments coverage for all drivers.

By Age

Teen drivers face the highest costs for car insurance in Maryland and across every state. The average teenager in Maryland pays $3,816 annually for auto insurance, compared to an average of $1,239 for drivers in their 20s and older. Starting in your 30s, auto insurance rates in Maryland are more affordable.

Age Average annual cost of car insurance in Maryland
16 $4,853
17 $4,072
18 $3,532
19 $2,807
20s $1,642
30s $1,175
40s $1,141
50s $1,056
60s $1,176
70s $1,245

By Gender

The data shows very little difference between car insurance rates for men and women in Maryland. Typically, men pay more for car insurance, but you’re in luck if you live in Maryland, as the difference is negligible.

Gender Average annual cost of car insurance in Maryland
Male $1,194
Female $1,189

By Marital Status

Single people pay the most for car insurance in Maryland. Expect to save almost $100 if you’re married and more if you’re divorced or widowed. Married individuals have a lower incidence of accidents, hence the lower rate; however, if your spouse passes away, insurance companies cannot raise your premium for that reason solely.1

Marital status Average annual cost of car insurance in Maryland
Single $1,311
Married $1,216
Divorced $1,194
Widowed $1,159

By Coverage Level

Full coverage auto insurance costs more than minimum coverage. While Maryland requires liability, uninsured/underinsured motorist coverage, and medical payments coverage, the minimum coverage level costs an average of $762, which is almost half the cost of full coverage in the state.

Coverage level Average annual cost of car insurance in Maryland
Minimum $762
Full $1,714

By Credit Score

Maryland insurance providers will use your credit score to determine your insurance rate, which means that the better your credit score is, the lower your auto insurance premium, generally. People with poor credit have more car insurance claims, statistically, and thus higher rates.

Credit score Average annual cost of car insurance in Maryland
Poor $2,469
Average $1,871
Good $1,375
Excellent $1,095


Insurance providers in Maryland can use credit history to determine rates, but they cannot use it to deny initial applications, refuse to renew policies, cancel policies, or increase premiums during a renewal.

By Violation

Driving record plays a role in auto insurance rates in many states. In Maryland, a DUI increases your rates more than an at-fault accident or speeding ticket. A DUI remains on your record for 10 years, meaning you’ll have inflated insurance premiums for a decade.2

Driving history Average annual cost of car insurance in Maryland
Speeding ticket $1,455
Accident $1,705
DUI $2,299

By Company

Travelers offers the lowest average auto insurance rate in Maryland of all the providers we researched. Your rate depends on several factors personal to you (see the above categories). If you need help finding the best policy for your specific circumstances, check out our page on the best auto insurance in Maryland.

Company Average annual cost of full coverage car insurance in Maryland
Allstate $1,763
Erie $1,243
GEICO $1,175
Nationwide $1,516
Progressive $1,439
State Farm $1,342
Travelers $852
USAA $891


USAA provides low rates with high customer satisfaction scores; however, the company caters to military personnel, veterans, and their families exclusively.

Cheapest Car Insurance Companies in Maryland

These companies have the lowest rates in Maryland for different demographics.

Demographic Cheapest company Annual rate
Male teens Kemper $1,827
Female teens GEICO $1,668
Military USAA $1,466
Veteran USAA $1,466
Full coverage GEICO $1,211
Minimum coverage Progressive $669
Bad credit Progressive $1,588
16 years old Allstate $975
17 years old Allstate $975
18 years old Allstate $975
19 years old Allstate $975
20s Progressive $1,385
30s GEICO $1,211
40s GEICO $1,211
50s GEICO $1,211
60s Progressive $1,216
70s Progressive $1,216
80s and above Progressive $1,216

How to Save on Car Insurance in Maryland

Safe drivers in Maryland pay the lowest premiums for auto insurance. Here are some other tips for lowering your premium:

  1. Stick to minimum coverage. See below for Maryland’s minimum required insurance limits.
  2. Ask about discounts. Check which discounts your auto insurance company provides. Types of discounts vary by provider, but some of the most popular include discounts for bundling home and auto insurance, good student discounts, and loyalty discounts.
  3. Look into usage-based auto insurance. Allstate, Nationwide, GEICO, Progressive, and State Farm have usage-based auto insurance programs that track your mileage and driving habits to determine your premium; if you don’t drive that much and are a good driver, these programs are great options.

Car Insurance Required in Maryland

To be insured in Maryland, you must have minimum coverage amounts:

  • Bodily injury liability: $30,000 per person and $60,000 per accident
  • Property damage liability: $15,000 per accident
  • Uninsured/underinsured motorist property damage liability: $15,000 per accident
  • Uninsured/underinsured motorist bodily injury liability: $30,000 per person and $60,000 per accident
  • Medical payments coverage: $2,500 per accident

Fault Law in Maryland

Maryland is an at-fault state, meaning that the at-fault party pays for both property damage and bodily injury. If both parties are partially at fault, you can split the costs. Maryland law states that if the plaintiff acted negligently in any percentage, they cannot recover any compensation for the accident, however.


Maryland requires an SR-22 (proof of minimum insurance) when your license is reinstated after a revocation or suspension. A revocation or suspension results from driving without insurance, driving under the influence, failing to pay compensatory damages, or committing multiple traffic violations. In most cases, you must provide an SR-22 for three to five years following your conviction.


Maryland auto insurance providers use factors like credit score, driving history, age, gender, and other demographic data when providing quotes. Good drivers over 20 years old will receive the best rates in Maryland, but there are always ways to lower your premium.

Methodology has over 20 years of experience connecting people to top car insurance providers. Our proprietary database of auto insurance companies and their preferred customers forms the basis of our analysis. This data, coupled with state-specific research about minimum coverage requirements, fault systems, and exceptional circumstances like SR-22s, allows us to give you an overview of what you can expect to pay for car insurance in Maryland.

Frequently Asked Questions

Is car insurance more expensive in Maryland?

The cost of car insurance in Maryland is higher than the national average. For drivers with a clean record, auto insurance premiums are around 15 percent higher than the national average. However, you can get cheaper car insurance by getting only the coverage required by law, as minimum coverage car insurance premiums in Maryland cost the least.

Are you legally required to have car insurance in Maryland?

Yes. Maryland law requires all drivers to carry car insurance: minimum liability car insurance, uninsured motorist coverage, and medical payments coverage.

How many people drive without auto insurance in Maryland?

An estimated 14 percent of drivers in Maryland, or about 630,000 people, drive without auto insurance, according to 2019 data from the Insurance Research Council.

Which is the best auto insurance company in Maryland for young adults?

Allstate offers the lowest average car insurance rates for teens in Maryland, while Progressive provides the lowest auto insurance rates for drivers in their 20s in Maryland.


  1. A Consumer Guide to Auto Insurance. Maryland Insurance Administration. (2023).

  2. Maryland Impaired Driving Laws. (2023).