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Car Insurance in Maryland: 2026 Rates & Guide

Maryland is a mid-range state for car insurance. The average driver pays $150/month ($1800/year). Here's how to find the best rate for your situation.

$150

Avg Monthly

$1800

Avg Annual

#13

Cost Rank (1=priciest)

$114

Cheapest Option/mo

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Cheapest Car Insurance Companies in Maryland (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Maryland — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestGEICO
$114/mo4.4Get Quote
2
State Farm
$122/mo4.5Get Quote
3
Erie Insurance
$116/mo4.7
4
Progressive
$136/mo4.1Get Quote
5
Travelers
$132/mo4.2Get Quote

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

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Maryland Car Insurance Requirements

Minimum Coverage: 30/60/15

Maryland is an at-fault state. The driver who causes an accident is financially responsible.

Maryland Insurance Facts

Maryland requires Personal Injury Protection (PIP), which adds to the minimum coverage cost but speeds up medical claim payments.
Baltimore drivers pay significantly more than suburban Maryland — among the highest rates in the state.
The I-495 (Capital Beltway) corridor near Washington DC sees heavy congestion and above-average accident frequency.

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How to Get Cheaper Car Insurance in Maryland

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Maryland — FAQs

What is the average cost of car insurance in Maryland?
The average car insurance cost in Maryland is $150 per month ($1800 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Maryland?
Maryland requires minimum liability coverage of 30/60/15 (bodily injury per person / bodily injury per accident / property damage). This is a tort (at-fault) state.
Which company has the cheapest car insurance in Maryland?
Based on our research, GEICO offers the lowest average rate in Maryland at around $114/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Maryland a no-fault car insurance state?
No, Maryland is an at-fault (tort) state. The driver who caused the accident is responsible for covering the other party's damages through their liability insurance.
How can I lower my car insurance in Maryland?
The most effective ways to lower your car insurance in Maryland include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

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