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Best car insurance in Maryland for 2024

Geico, USAA and State Farm are writing some of the best car insurance policies in Maryland.

Updated Feb 01, 2024
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Best car insurance companies in Maryland

Based on our extensive research and systematic Bankrate Score analysis, Bankrate’s insurance editorial team determined that Geico, USAA and State Farm are among the best car insurance companies in Maryland. To begin our analysis, we first obtained current premium information from the largest insurance providers based on market share in Maryland from Quadrant Information Services and compared those rates with the state average. Our data shows that the average cost of car insurance in Maryland is $2,498 per year for full coverage and $985 per year for minimum coverage. Third-party ratings were also considered, such as customer satisfaction scores from the 2023 J.D. Power Auto Insurance Study and AM Best financial strength ratings.

If you are looking for the best auto insurance in Maryland, you might want to get quotes from these carriers:

Insurance company
Bankrate Score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$2,031
$710
4.2
Rating: 4.2 stars out of 5
$2,111
$671
4.3
Rating: 4.3 stars out of 5
$2,499
$1,012
4.4
Rating: 4.4 stars out of 5
$1,631
$778
4.0
Rating: 4 stars out of 5
$1,874
$752

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$169/mo

Avg. full coverage premium

$2,031/yr

Customer satisfaction

818/1,000

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$176/mo

Avg. full coverage premium

$2,111/yr

Customer satisfaction

877/1,000

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$208/mo

Avg. full coverage premium

$2,499/yr

Customer satisfaction

843/1,000

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$136/mo

Avg. full coverage premium

$1,631/yr

Customer satisfaction

814/1,000

Erie

4

Rating: 4 stars out of 5

Avg. full coverage premium

$156/mo

Avg. full coverage premium

$1,874/yr

Customer satisfaction

863/1,000

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How Bankrate chose the best car insurance companies in Maryland

The best Maryland car insurance for your needs may be tricky to assess if you’re not sure where to start. Bankrate made its selections after analyzing dozens of large and regional car insurance companies. We assessed carriers based on average premium data sourced from Quadrant Information Services as well as coverage availability and mobile app accessibility.

We also considered third-party ratings from agencies like AM Best for financial strength and J.D. Power for customer satisfaction. All of this was consolidated into our Bankrate Score for a maximum score of 5 out of 5 points. Using the Bankrate Score may be useful to get a quick impression of a company, and to compare a carrier with other auto insurance companies in Maryland.

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Why you can trust Bankrate

Read our full methodology

To help Maryland drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

20.7K

ZIP codes examined

1.2M

quotes analyzed

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How to find the best car insurance in Maryland

Everyone may have different car insurance needs and preferences, so finding the best car insurance might not look the same for everyone. During your search for the best auto insurance in Maryland, the following considerations could be useful.

Related content:

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How much is car insurance in Maryland?

When it comes to average full coverage car insurance, Maryland drivers pay roughly the same amount as the national average. On average, Maryland drivers pay $2,498 annually for full coverage, which is just 2 percent less than the U.S. average of $2,545. Minimum coverage tends to be significantly more expensive in Maryland, though, with an average annual premium of $985, which is 33 percent more than the national average annual premium of $741.

Average premiums in Maryland may be higher for a number of reasons. Maryland’s state minimum coverage includes uninsured motorists coverage, which isn’t included in many other states. The state has a five-year average of nearly 110,000 crashes per year, which could be considered high, especially when the state’s small geographic footprint is compared to much larger states.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in Maryland

Average car insurance rates can give you an idea of what you might pay for coverage in Maryland, but comparing personalized quotes will help you narrow down your choices based on your specific rating factors and coverage needs. Use the tool below to get started with personalized auto estimates.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February, 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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 2022 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.

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46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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Written by
Natalie Todoroff
Writer, Insurance

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute