Average cost of car insurance in Maryland in 2023

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How much is car insurance in Maryland? 

Maryland car insurance rates for minimum coverage are about 31 percent higher than the national average of $622 per year, at $815 annually. But the average cost of car insurance in Maryland for full coverage, at $1,971 annually, is 2 percent cheaper than the national average of $2,014. These rates are based on data collected from Quadrant Information Services.

Maryland car insurance rates by city

The city you live in can also impact your Maryland car insurance rates. Crime rates, weather conditions, population density and claim frequency factor into rates by city, as do your personal factors, like age and driving record. Maryland drivers living in Baltimore pay, on average, 7 percent more than the state average. But if you live in Columbia or Germantown, you could pay around 7 or 8 percent less than the average car insurance cost in Maryland.

Average car insurance costs by age and gender in Maryland 

Car insurance rates in Maryland can also change depending on your age and gender. Teen and young adult drivers typically pay the most for car insurance. There are typically minimal variances in rates  for drivers between the ages of 30 and 60, with a 30-year-old paying $2,118 in Maryland and a 60-year-old paying $1,808 per year, on average. Seniors 70 and older can often see rates start to creep back up compared to younger adult age groups. Gender is also a factor at any age in most states, with men typically paying more than women.

Cost considerations for young drivers in Maryland

*16- and 17-year-old drivers must be on their parents’ or legal guardian’s policy.

How does driving record impact the cost of car insurance in Maryland? 

When you have a clean driving record, you will likely get the lowest possible rates for your circumstances. But having a driving infraction on your motor vehicle record (MVR), like a speeding ticket or accident, will likely cause an increase in your rate for a couple of years. For example, a speeding ticket will increase your rate, on average, 21 percent in Maryland. If you cause an at-fault accident, the average car insurance cost in Maryland increases by 51 percent. Having a DUI conviction could cause rates to increase by an average of 85 percent in Maryland.

The table below shows the average increases you might expect to see with certain incidents on your driving record in Maryland:

Car insurance rates in Maryland by credit score

Your credit-based insurance score can also impact your car insurance rates in Maryland. Those with good credit can expect to pay about the Maryland average for full coverage (all other factors being equal), while having average credit can increase rates around 9 percent. Drivers with excellent credit could see a savings around 14 percent, while those with poor credit could pay as much as 63 percent more than the average cost of car insurance in Maryland.

Maryland car insurance rates by vehicle type

The type of vehicle you drive is another factor that will affect your Maryland car insurance rates. For instance, drivers with a Toyota Camry might pay around the average for the state, but insuring a Toyota Prius could cost an average of $58 more per year. However, you could save $220 annually with a Honda Odyssey and as much as $228 with a Ford F-150. If you’re in the market for a new or used car, consider getting quotes for the make and model you’re looking at to see if it’s the best choice for your budget.

How to save on car insurance in Maryland

If you are looking to get cheap car insurance, 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: Experts often recommend shopping around between several auto insurance companies to obtain free quotes from each. Because insurers consider various personal factors when calculating rates, finding a company that offers you lower premiums than some other companies is often possible. When getting quotes, it's vital to specify the same types and limits of coverage to ensure accurate comparisons.
• 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.

Estimate your car insurance cost in Maryland

Frequently asked questions