Average cost of car insurance in Maryland

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In Maryland, the average cost of car insurance is $767 per year for state minimum liability limits and $1,877 annually for full coverage. Insurance coverage is a requirement in Maryland to register a vehicle and must be maintained to keep the car tagged. Average car insurance rates in Maryland are not the same in all areas. For example, some cities may have more options for cheap auto insurance coverage with top companies.

How much does car insurance cost in Maryland?

One factor that determines how much you pay per month or per policy period for car insurance is where you live. Maryland drivers pay $1,877 per year for full coverage. Though rates are higher in Maryland than the average cost of car insurance in the U.S., which is $1,674 per year for full coverage, there are some ways to keep rates low. Shopping around for quotes or switching carriers might help you find the best company and premiums for you. Your age, driving record, type of car, commute time and credit score may also be deciding factors that help determine your auto insurance rates.

Maryland car insurance rates by company

Every car insurance company in Maryland sets its own rates, which will change based on your driving profile, where you live and the coverages you need. Some companies offer the cheapest rates, while others offer other incentives that could make paying a higher premium more worthwhile for the right driver. The chart below shows the average rates for minimum liability and full coverage based on the same driver profile so you can see the difference in car insurance premiums.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Allstate $883 $1,778
Donegal $767 $2,217
Erie $660 $1,881
Geico $641 $1,627
Maryland Auto Insurance $1,364 $4,033
MetLife $837 $2,432
Nationwide $553 $1,232
Penn National $738 $1,525
Progressive $874 $1,696
State Farm $920 $2,007
USAA $604 $1,574

Maryland car insurance rates by city

The rates below represent the top 20 cities by population in Maryland. As shown, the ZIP code you live in can make a difference in how much you might expect to pay on average for auto insurance.

City Average annual premium for full coverage % difference from state average annual premium
Baltimore $2,772 48%
Silver Spring $2,027 8%
Rockville $1,810 -4%
Columbia $1,847 -2%
Germantown $1,816 -3%
Gaithersburg $1,842 -2%
Upper Marlboro $2,149 14%
Waldorf $2,027 8%
Dundalk $2,531 35%
Bethesda $1,743 -7%
Frederick $1,546 -18%
Ellicott City $1,913 2%
Glen Burnie $2,000 7%
Annapolis $1,776 -5%
Towson $2,378 27%
Hyattsville $2,406 28%
Bowie $2,041 9%
Potomac $1,772 -6%
North Bethesda $1,747 -7%
Essex $2,370 26%

Maryland car insurance rates by age

Your age can impact your car insurance rates in every state, especially Maryland. According to the average annual premium costs for Maryland drivers, those in the 50- and 60-year-old age groups tend to spend the least for car insurance, while those under 20 can expect to pay the most.

Age Average annual premium for full coverage in Maryland
Age 16* $2,787
Age 18 $5,775
Age 20 $4,466
Age 25 $2,209
Age 30 $1,919
Age 40 $1,830
Age 50 $1,680
Age 60 $1,655
Age 70 $1,819

*16 year old calculated on parent’s policy disclosure.

Maryland car insurance rates by driving record

Maintaining a clean driving record in Maryland is a great way to keep costs low for car insurance. Auto insurance rates are based on your driving profile, which means getting a ticket or having an at-fault accident could increase significantly. Getting a DUI could increase average auto insurance costs by over 50% because of its risk severity.

Driving incident Average annual full coverage premium in Maryland % increase of average annual premium
Speeding ticket $2,193 16%
Accident $2,625 33%
DUI $3,345 56%

How to save on car insurance in Maryland

If you are looking to keep the price you pay for auto insurance low, there are several ways to save in Maryland. Consider these savings tips to get the best price for car insurance in your Maryland city.

  • Bundle with home: If you own a home or condo, you can usually take advantage of one of the highest percentage discounts available, the multi-policy discount. Renters may also be able to take advantage of a multi-policy discount by bundling their renters insurance with auto. However, the discount is typically less compared to home insurance bundles.
  • Check your mileage: If you drive less than about 11,500 miles annually, which is average for Americans, you might get cheaper rates on car insurance. Not all companies offer mileage discounts, but some do and others may even offer pay-per-mile policies if you do not drive much, which could further reduce how much you pay for Maryland auto insurance.
  • Get rewarded for good driving habits: If you tend to be a safe driver by avoiding fast accelerations and sudden braking, you could get rewarded for your habits. Most auto insurance companies offer usage-based telematics programs, which involve plugging a device into your car or using your smartphone to track your trips.
  • Shop around: Another way to potentially save on your Maryland car insurance is to shop around for quotes. Make sure to compare the same coverages with different auto insurance companies to see which company offers the best coverage for the best price. By doing this each year or just before your policy renewal, you could save money without sacrificing coverage.
  • Take advantage of discounts: Most car insurance companies offer a number of discounts and many of them are stackable, which could add up when you take advantage of all the discounts you are eligible for. Discounts for safety features, good students, safe driving, being accident-free and being a member of affinity groups are just a few of the ways you could potentially save money on auto insurance in Maryland.

Frequently asked questions

How much is car insurance per month in Maryland?

While rates vary based on zip code, driving profile, coverages and vehicle type, the average cost of car insurance in Maryland is about $156 per month for full coverage and $64 per month for state minimum liability auto insurance coverage.

How much car insurance do I need in Maryland?

The minimum amount of liability coverage required in Maryland is $30,000 for bodily injury per person, $60,000 for bodily injury per accident and $15,000 for property damage. The same liability minimums are required for uninsured and underinsured motorists. Personal injury protection (PIP) is required for a minimum amount of $2,500 per person, though you can sign a waiver if you do not want PIP insurance.

Why is Maryland car insurance so high?

Population density, the number of accidents, thefts and vandalism acts, and weather-related events may all contribute to making Maryland auto insurance premiums higher than other states. Maryland is also home to many popular cities, like Baltimore and Salisbury. According to the Insurance Information Institute, metropolitan areas are also likely to have higher auto insurance rates.

How can I make my insurance cheaper in Maryland?

There are many waves to save on auto insurance in Maryland. For instance, if you have an older car, you may consider removing full coverage if you can pay for the costs to fix your car or replace it out of pocket. You could also increase your deductible to reduce the premium, but make sure you can pay the higher deductible if you need to file a claim. Keeping a high credit score will also likely get you cheaper premiums in Maryland.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.