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Get Cheap Car Insurance in Maryland
We monitor insurance prices, helping the average driver in Maryland save up to 26.9% on car insurance.
The Cheapest Minimum Coverage in Maryland
The chart below shows the cheapest car insurance company in Maryland for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Erie Insurance, Travelers, and Safeco Insurance.
| Maryland Insurer | Monthly Cost |
|---|---|
| State Farm | $106 |
| Erie Insurance | $108 |
| Travelers | $123 |
| Safeco Insurance | $127 |
Savings for Every Kind of Maryland Driver
Based on our extensive insurance data, we know the average Maryland driver will save about 19% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $427 per year by choosing the right vehicle insurance company. Some Maryland residents are paying out over $2,291 extra every year for auto insurance in Maryland. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Maryland Savings / Yr. |
|---|---|
$427 |
|
$401 |
|
$466 |
|
$752 |
|
$1,446 |
|
$258 |
|
$1,010 |
Maryland Car Insurance vs. the United States
People living in Maryland pay an average of 23.66% more than the typical driver in the nation. The average driver in Maryland can expect to pay about $1,562 per year, or $2,291 for full coverage.
Based on our analysis, MetLife will be the cheapest provider in Maryland for most people.
Car Insurance Prices by Maryland Neighborhood
Insurance Prices
Where is insurance cheapest within Maryland?
The map shows insurance prices in and around Maryland, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1,043 per year within the state boundaries, with insurance premiums ranging from a high of $2,689 to a low of $1,646. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northwest parts of Maryland.Pick the Best Car Insurance Company for You in Maryland
The best car insurance provider for most drivers in Maryland
For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $427 over the average Maryland car insurance company.
The best car insurance provider for Maryland drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $401 over the competition.
The best car insurance company for Maryland drivers with speeding tickets
>Erie Insurance gave the average person with a speeding ticket the most savings, averaging $466 better than other car insurance companies.
The best auto insurance for Maryland drivers with a DUI conviction
Getting a quote from Erie Insurance may cost the average person with a DUI about $752 less each year.
The least expensive car insurance company for new and young drivers in Maryland
In Maryland, Erie Insurance costs young drivers $1,446 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Maryland
State Farm gave the largest car insurance discounts to married couples, averaging $258 saved each year compared to an average Maryland couple's premiums.
The cheapest car insurance in Maryland for drivers with bad credit
The best Maryland car insurance company for customer service
Recent price drops
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The cheapest large national provider in Maryland
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Maryland driver can expect to pay about $133 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Maryland, USAA has the best prices for drivers with a DUI conviction, drivers with bad credit, drivers with accidents, married couples, drivers with speeding tickets, young drivers, and good drivers.Auto Insurance Prices in and Around Maryland
What Influences the Cost of Car Insurance in Maryland?
On average, car insurance in Maryland is more expensive than the rest of the nation. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- The average commute time in Maryland is 42 minutes, which is far more than average for a driver in the nation.
- Maryland state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Maryland are lower than average in the nation, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Maryland is one of the least populated areas in the nation. The state’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Maryland is $130 per month for minimum coverage and $191 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- District of Columbia: Insurance costs 9.17% more
- Delaware: Insurance costs 0.79% more
- Pennsylvania: Insurance costs 40.77% less
- Virginia: Insurance costs 57.01% less
- New Jersey: Insurance costs 3.93% less
- West Virginia: Insurance costs 32.52% less
- New York: Insurance costs 71.28% more
- Connecticut: Insurance costs 9.08% more
- North Carolina: Insurance costs 54.47% less
- Rhode Island: Insurance costs 44.48% more
States with Similar Populations
- Arizona: Insurance costs 4.15% less
- Alabama: Insurance costs 25.14% less
- Wisconsin: Insurance costs 62.03% less
- Washington: Insurance costs 42.56% less
- Virginia: Insurance costs 57.01% less
- Vermont: Insurance costs 56.66% less
- Utah: Insurance costs 41.03% less
- Texas: Insurance costs 11.22% more
- Tennessee: Insurance costs 44.61% less
- Minnesota: Insurance costs 24.88% less