Average cost of car insurance in Maryland for 2025

How much is car insurance in Maryland? 

Car insurance in Maryland varies based on several factors specific to the driver, vehicle and ZIP code. For minimum coverage, drivers pay an average of $1,040 per year, which is significantly higher than the national average of $678. Full coverage policies in Maryland cost an average of $2,931 per year, relatively in line with the national average of $2,692.

Bankrate's authority on this subject is supported by an analysis of the latest data from Quadrant Information Services, ensuring that the information provided is both current and relevant. Our evaluation is not merely about presenting figures, but about interpreting them to help residents understand how various factors might affect their individual insurance costs.

Key takeaways

• Monthly car insurance in Maryland averages about $244 for full coverage and roughly $87 for minimum coverage.
• Maryland drivers with a speeding ticket pay roughly 19 percent more, while DUI offenders pay about 83 percent more.
• Excellent credit history generates an average premium of 14 percent less than the Maryland state average. Those with poor credit pay an average of 88 percent more.
• Toyota Prius owners pay 2 percent more annually in Maryland, whereas Ford F-150 drivers pay 5 percent less on average.

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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

In Maryland, age is a significant determinant of car insurance costs, with younger drivers typically facing higher premiums due to their inexperience on the road and higher accident frequency rates than other demographic groups. Conversely, more mature drivers often enjoy lower rates, reflecting their years behind the wheel. It’s noteworthy that in some states like Hawaii and Massachusetts, age does not influence car insurance rates due to state regulations prohibiting this rating factor. Similarly, gender, which can affect premiums in Maryland, is not allowed as a rating factor in California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania.

In the tables below, rates for 16-year-old drivers reflect the addition of the teen added to their parents' or guardians' policy. All other rates are for drivers on their own policies.

Cost considerations for young drivers in Maryland

In Maryland, young drivers often experience a significant decrease in car insurance rates when included on their parents' policy compared to branching out on their own. This is particularly true for drivers under the age of 18, who are legally required to be on a parent or guardian's policy unless they have written consent to get their own. However, once young drivers reach adulthood, the option to secure their own policy becomes available, often at a higher cost. For example, 18-year-olds pay an average of 37 percent more when they choose to purchase their own policy instead of remaining on their parents' 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 three to five years, depending on the insurer. For example, a speeding ticket will increase your rate, on average, 19 percent more in Maryland. If you cause an at-fault accident, the average car insurance cost in Maryland increases by 49 percent more. Having a DUI or DWI conviction could cause rates to increase by an average of 83 percent more 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 tier

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 could mean paying 10 percent more. Drivers with excellent credit could pay 14 percent less than average, while those with poor credit could pay as much as 88 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 may 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 2 percent more per year. However, you could pay 8 percent less annually with a Honda Odyssey and pay as much as 5 percent less 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.

Estimate your car insurance cost in Maryland

Navigating the complexities of car insurance costs can be a challenge, as rates are influenced by a multitude of personal factors, from driving history to location. To simplify this process, Bankrate offers a user-friendly calculator widget, designed to provide you with a tailored estimate of your potential monthly premium. By inputting your individual details, this tool delivers an approximate figure to help guide your financial planning. Although this isn't a precise quote, it serves as a valuable starting point.

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 7,500 miles annually, you might get cheaper rates on car insurance. Not all companies offer mileage discounts, though. Others offer pay-per-mile policies for infrequent drivers, which could further reduce how much you pay.
• 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. However, It's important to note some insurers could raise your rates if they detect poor driving habits via telematics.
• Shop around: Experts often recommend gathering free quotes from several car insurance companies. 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.
• Adjust your deductible: The deductible is the amount of damage you're responsible for covering in the event of a claim. Your insurer pays for the rest, up to your policy limits. By raising your deductible, you’ll typically pay lower premiums. However, it's important to keep your deductible within a range you can easily afford to pay at a moment's notice, or you could find yourself in a bind after an accident.

Frequently asked questions

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.