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Average cost of car insurance in Maryland in 2022
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The average cost of car insurance in Maryland is $1,931 per year for a full coverage policy and $836 per year for a minimum coverage policy. Maryland drivers pay lower full coverage rates than drivers in many nearby states, like Delaware and Pennsylvania. However, Maryland car insurance rates are more expensive than the national average rate, likely due to factors like traffic density and a high frequency of accidents, which leads to more claims.
How much does car insurance cost in Maryland?
One of the factors that determines how much is car insurance in Maryland is where you live. Maryland drivers pay $1,931 per year for full coverage, based on 2022 data from Quadrant Information Services. For comparison, the average cost of car insurance in the U.S. is $1,771 for full coverage, which is about 8% lower than the average rate in Maryland.
Although Maryland drivers pay higher average car insurance rates, there are ways to help 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 vary based on your driving profile, where you live and the coverages you need. Based on our research, USAA has the cheapest average rates for full coverage and Allstate has the cheapest average rates for minimum coverage in Maryland.
The table below shows the average rates for minimum liability and full coverage insurance from several car insurance companies in Maryland:
|Car insurance company||Average annual premium for full coverage||Average annual premium for minimum coverage|
|Maryland Auto Insurance||$4,005||$1,393|
|State Auto Insurance||$2,081||$1,118|
Maryland car insurance rates by city
Another factor that impacts the cost of car insurance in Maryland is your city and ZIP code. In Maryland, car insurance premiums tend to be the most expensive in Dundalk and the least expensive in Hagerstown, according to average rate data.
In the table below, you can see the average cost of car insurance in the top 20 cities in Maryland by population:
|City||Average annual premium for full coverage||% difference from state average annual premium|
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, car insurance rates start to decrease around age 25 and eventually increase again around age 70.
In the table below, you can see the average car insurance rates in Maryland for drivers in various age groups:
|Age||Average annual premium for full coverage in Maryland|
*16- through 20-year-old driver calculated on a parent’s policy.
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 impacted by your motor vehicle record, which means getting a speeding ticket conviction or having an at-fault accident could increase your premium significantly. For example, getting a DUI in Maryland will increase your car insurance premium by about 83%.
The table below highlights average car insurance premiums based on various driving infractions:
|Driving incident||Average annual full coverage premium in Maryland||% increase of state average annual premium|
|Speeding ticket conviction||$2,334||21%|
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: 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
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. 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 coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner.
Incidents: 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.