Cheapest Auto Insurance Quotes in Maryland (2024)
Geico has the best cheap car insurance in Maryland. A full-coverage policy from Geico only costs $130 per month.
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Best cheap car insurance companies in Maryland
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Best and cheapest car insurance in Maryland
- Cheapest full coverage: Geico, $130/mo
- Cheapest minimum liability: Geico, $67/mo
- Cheapest for young drivers: Erie, $308/mo
- Cheapest after a ticket: State Farm, $158/mo
- Cheapest after an accident: State Farm, $179/mo
- Cheapest for teens after a ticket: Erie, $188/mo
- Cheapest after a DUI: Erie, $168/mo
- Cheapest for poor credit: Geico, $186/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Erie and State Farm offer the best mix of low rates and great customer service in Maryland. Both companies offer online quotes, so you can quickly compare rates and find the best price for you.
Although Geico is typically cheaper, it's customer service is middle-of-the-road. Erie and State Farm may have an easier claims process if you're ever in an accident.
Cheapest car insurance in Maryland: State Farm
State Farm has the cheapest full coverage insurance quotes in Maryland. State Farm's average rate is $130 per month, which is 24% cheaper than the state average for a full-coverage policy.
Full-coverage car insurance in Maryland costs $171 per month, or $2,051 per year, on average.
Find Cheap Car Insurance Quotes in Maryland
Drivers who can get insurance from USAA have access to even cheaper quotes. At $79 per month, a policy from USAA is $52 cheaper per month than one from State Farm. But you're only eligible if you or a family member are currently serving or have served in the military.
Cheapest full-coverage car insurance in Maryland
Company | Monthly rate | |
|---|---|---|
| Geico | $130 |
| Erie | $144 |
| State Farm | $147 |
| Travelers | $154 |
| Progressive | $193 |
*USAA is only available to current and former military members and their families.
Cheapest liability car insurance quotes in Maryland: Geico
Geico has the best cheap liability car insurance in Maryland. Quotes from Geico average $67 per month, or $803 per year, 27% lower than the state average.
The average cost of minimum liability car insurance in Maryland is $91 per month, or $1,093 per year.
Cheapest minimum-coverage car insurance in Maryland
Company | Monthly rate |
|---|---|
| Geico | $67 |
| Erie | $74 |
| State Farm | $74 |
| Travelers | $83 |
| Progressive | $103 |
*USAA is only available to current and former military members and their families.
Military members, veterans and their families can take advantage of even cheaper rates from USAA, which charges $37 per month for a minimum-coverage policy. That's $30 cheaper per month than a policy from Geico.
Find Cheap Car Insurance Quotes in Maryland
Cheapest car insurance for young drivers in Maryland: Erie
Erie offers the best cheap quotes for 18-year-old drivers in Maryland.
Erie offers minimum coverage for just $155 per month. That's 48% cheaper than the state average for teen drivers. Erie is also the cheapest option for full coverage, at $308 per month.
The average cost of minimum-coverage car insurance for 18-year-old drivers in Maryland is $300 per month, while full coverage costs an average of $579 per month
Cheapest car insurance for young drivers in Maryland
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $155 | $308 |
| State Farm | $224 | $458 |
| Travelers | $228 | $415 |
| Geico | $238 | $496 |
| Progressive | $310 | $662 |
Drivers who are eligible for USAA can get much lower rates. At $95 per month, USAA's minimum-coverage rate is 64% cheaper than the state average for young drivers, and $48 less per month than Erie.
Car insurance for young drivers is usually much more expensive than for older drivers. An 18-year-old driver in Maryland pays three times as much for minimum-coverage car insurance as a 30-year-old driver.
That's due to young drivers' lack of experience and likelihood of engaging in risky behavior behind the wheel, both of which make them more likely to be in an accident.
Cheapest car insurance quotes after a speeding ticket: State Farm
State Farm has the cheapest full-coverage car insurance for drivers in Maryland who have been caught speeding. At an average price of $158 per month, drivers with State Farm can expect an increase of just 7.5% after receiving a ticket. Geico and Travelers both increase their prices by about 30%.
Maryland car insurance prices with a ticket
Company | Monthly rate |
|---|---|
| State Farm | $158 |
| Erie | $168 |
| Geico | $168 |
| Travelers | $200 |
| Progressive | $222 |
On average, car insurance costs go up by 20% after a single speeding ticket in Maryland.
Best cheap car insurance in MD after an accident: State Farm
Maryland drivers with an accident on their driving record can find the cheapest quotes at State Farm. A full-coverage policy from State Farm costs $179 per month after an at-fault accident, which is $81 less per month than the state average.
Cheap MD car insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $179 |
| Erie | $212 |
| Travelers | $221 |
| Geico | $227 |
| Progressive | $275 |
A typical driver in Maryland will see their rates go up by 52% after a single at-fault accident.
Cheap car insurance in MD for young drivers after a ticket or crash: Erie
Erie has the cheapest quotes for young drivers in Maryland with a single speeding ticket or at-fault crash on their records. Its minimum-coverage policy costs $188 per month after a ticket, or $212 after a crash. Its rates are 45% less than average for both.
USAA has even cheaper prices for young drivers after a crash or ticket. But it's only available if you or a family member is affiliated with the military.
Company | Ticket | Accident |
|---|---|---|
| Erie | $188 | $212 |
| State Farm | $243 | $279 |
| Geico | $277 | $305 |
| Travelers | $294 | $335 |
| Progressive | $324 | $341 |
Young Maryland drivers who get caught speeding can expect their rate to increase by 15%, on average. Rates for young drivers go up by about 28% after a crash.
Cheapest car insurance rates after a DUI: Erie
Erie has the cheapest car insurance rates for Maryland drivers with a DUI. A full-coverage policy from Erie costs $168 per month, which is 45% cheaper than average.
Geico also offers relatively affordable coverage after a DUI, at $186 per month.
Company | Monthly rate |
|---|---|
| Erie | $168 |
| Geico | $186 |
| Travelers | $234 |
| Progressive | $244 |
| Nationwide | $265 |
In Maryland, car insurance rates increase 77%, on average, after a DUI citation. Driving under the influence is a serious traffic offense which can lead to a big increase in insurance rates when it's time to renew your policy.
Cheapest car insurance in MD for drivers with poor credit: Geico
Geico offers the cheapest auto insurance quotes for drivers with poor credit. A full-coverage policy from Geico costs $186 per month, which is 41% cheaper than average.
Company | Monthly rate |
|---|---|
| Geico | $186 |
| Progressive | $286 |
| Travelers | $292 |
| Nationwide | $318 |
| Erie | $332 |
Your credit score does not affect your ability to drive safely, but it can impact your auto insurance rate. That's because statistics show that drivers with bad credit tend to file more claims.
Maryland drivers with poor credit pay 84% more for insurance than drivers with good credit.
Best car insurance companies in Maryland
Erie has the best-rated car insurance in Maryland.
Erie offers a good combination of dependable customer service and affordable quotes. It is ranked highly by J.D. Power and receives fewer complaints than average from customers.
Best car insurance in Maryland
Company |
Editor's rating
|
J.D. Power
|
A.M. Best
|
|---|---|---|---|
| Erie | 871 | A+ | |
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Nationwide | 815 | A+ |
USAA has even better customer service scores, but it's not available to everyone. Only military members, veterans and their families can buy car insurance from USAA.
Drivers in Maryland should pay attention to customer service scores when shopping for car insurance.
Insurance companies with high ratings will make the claims process quick and easy if you're in an accident. If you choose a company with poor reviews, it may cost more and take you longer to get back on the road.
Average car insurance rates in Maryland by city
Drivers in Gwynn Oak, a Baltimore suburb, pay the most for car insurance in Maryland, at $264 per month.
Several cities tied for the cheapest rates in the state, at just $134 per month: Bowmans Addition, Easton, Eckhart Mines, Frostburg, Grahamtown, La Vale and Potomac Park.
Car insurance quotes vary widely depending on where you live and drive. In Maryland, the cost of full-coverage insurance fluctuates by up to $130 per month depending on where you live. People who live in areas with poorly maintained roads or high rates of car theft will likely pay more for coverage.
Average cost of car insurance by city
City | Monthly rate | % from average |
|---|---|---|
| Abell | $152 | -11% |
| Aberdeen | $169 | -1% |
| Aberdeen Proving Ground | $174 | 2% |
| Abingdon | $176 | 3% |
| Accident | $141 | -18% |
Maryland state minimum auto insurance requirements
Maryland state law, requires drivers to have car insurance with liability limits that are often written as 30/60/15.
Coverage | Minimum limit |
|---|---|
| Bodily injury (BI) | $30,000 per person; $60,000 per accident |
| Property damage (PD) | $15,000 per accident |
| Uninsured/underinsured motorist BI (UM/UIMBI) | $30,000 per person; $60,000 per accident |
| Uninsured/underinsured motorist PD (UM/UIMPD) | $15,000 per accident |
Maryland law requires drivers to have both liability insurance and uninsured motorist coverage.
These coverages pay for damage to someone's property or injuries you cause in an accident. They also cover your medical bills or damage caused to your vehicle in an accident with an uninsured driver, up to your limits.
What's the best car insurance coverage for Maryland drivers?
Insurance companies in Maryland are required to offer drivers at least $2,500 in personal injury protection (PIP) insurance, though you may choose to decline coverage. PIP insurance helps pay your medical bills after an accident, along with lost income if you're hurt and can't work.
Buying a policy with no PIP protection will cost less, and it may seem like a smart idea if you have a good health care policy. But your health insurance won't pay your living expenses if you're unable to work.
Minimum-coverage policies cost 47% less than full-coverage car insurance in Maryland. However, having lower liability limits and declining comprehensive and collision coverage could leave you without enough protection after a major accident.
A minimum-coverage policy in Maryland pays for injuries to others caused by an accident or damage to the other driver's car or property. It does not cover damage to your own car if you cause an accident.
It's a good idea to get full-coverage car insurance if your car is less than eight years old or worth more than $5,000.
Frequently asked questions
Who has the cheapest car insurance in Maryland?
Geico has the cheapest minimum-coverage quotes in Maryland, at $67 per month. Geico also offers the best price for full coverage, at $130 per month.
How much is car insurance in Maryland?
The average minimum-coverage auto insurance policy in Maryland costs $91 per month, or $1,093 per year. That price goes up to $171 per month, or $2,051 per year, for a full-coverage policy.
Who has the best car insurance in Maryland?
Erie has the best car insurance in Maryland. It has dependable customer service, useful coverage and affordable rates for most drivers. State Farm and USAA are also great options for Maryland drivers.
How much is car insurance in Baltimore?
Drivers in Baltimore pay $250 per month for full-coverage car insurance, which is 46% more than the Maryland average. In comparison, people who live in Columbia, Maryland's second-largest city, pay $172 per month for the same protection.
Is it illegal to drive without insurance in Maryland?
Like most other states, driving without insurance in Maryland is illegal. If you drive without the minimum insurance required, you will get a $150 fine for the first 30 days without coverage, plus $7 for each extra day. The maximum fine is $2,500 a year per vehicle. You will also have your vehicle registration suspended, which can result in your car being impounded if you drive it.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Maryland for the state's largest insurers. Rates are for a 30-year-old man with a 2015 Honda Civic EX who has good credit.
The base policy for the study was a full-coverage policy with the following limits:
- Bodily injury liability: $50,000 per person; $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist bodily injury: $50,000 per person; $100,000 per accident
- Uninsured motorist property damage: $25,000 per accident
- Collision and comprehensive: $500 deductible
Minimum-coverage policies are based on the minimum required limits in Maryland. Quotes for young drivers are based on minimum-coverage limits.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.