Best car insurance in Maryland for 2025
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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.
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 $2,906 per year for full coverage and $1,030 per year for minimum coverage. Third-party ratings were also considered, such as customer satisfaction scores from the J.D. Power 2024 U.S. 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:
|
|
|
|
|
|---|---|---|---|
|
4.3
|
$2,184
|
$737
|
|
|
4.3
|
$2,194
|
$717
|
|
|
4.3
|
$2,943
|
$1,136
|
|
|
4.4
|
$2,424
|
$938
|
|
|
4.1
|
$1,972
|
$777
|
Geico
Best for digital tools
4.3
Avg. full coverage premium
$182/mo
Avg. full coverage premium
$2,184/yr
Customer satisfaction
647/1,000
-
Why Geico made our list: Geico has highly-rated digital tools available for those who prefer to get quotes and handle their coverage online or via a mobile app, along with lower-than-average Maryland rates and plenty of potential discounts. However, Geico’s policies do not come with many options for personalization. The company offers fewer endorsements than many of its competitors. Geico earns a below-average customer satisfaction score from J.D. Power for the Mid-Atlantic region, but it carries an A++ (Superior) financial strength rating from AM Best, the highest level possible. It also won the 2025 Bankrate Award for Best Auto Insurance Company for High-Risk Drivers, who may pay substantially more with some insurers compared to drivers with a clean driving record.
Who Geico may be good for: If you like to handle your insurance needs digitally rather than by phone or in an office, Geico could be a good option. High-risk drivers might also get more affordable rates from Geico in Maryland than other insurers.
Read full Geico Insurance review
USAA
Best for military-focused coverage
4.3
Avg. full coverage premium
$183/mo
Avg. full coverage premium
$2,194/yr
Customer satisfaction
743/1,000
-
Why USAA made our list: USAA stands out for its excellent customer satisfaction score — although it doesn’t qualify for official J.D. Power ranking due to its eligibility requirements — and A++ (Superior) AM Best financial strength rating. It also tied with Amica as the Best Auto Insurance Company Overall in the 2025 Bankrate Awards. Customers can upgrade their policies with coverage for roadside assistance, rental reimbursement and accident forgiveness. USAA caters to its military membership with exclusive discounts, such as garaging your vehicle on a military base or storing your vehicle while not in use.
Who USAA may be good for: USAA offers insurance coverage only to active-duty military members, veterans and their eligible family members. If you qualify for coverage, USAA may be appealing due to its military-tailored coverage options.
Read full USAA review
State Farm
Best for local agents
4.3
Avg. full coverage premium
$245/mo
Avg. full coverage premium
$2,943/yr
Customer satisfaction
652/1,000
-
Why State Farm made our list: State Farm is the largest auto insurance company in the U.S. by market share and offers home and life coverage in addition to auto insurance. It also has a large agency presence across Maryland, making it a great option for those who prefer to work with an agent who can provide local expertise to help you customize your policy to your unique needs. Though State Farm scored just below average in the Mid-Atlantic region, it scored above average for claims satisfaction and digital service experience. State Farm also carries an A++ (Superior) financial strength rating from AM Best, indicating it has a history of honoring its claims obligations.
Who State Farm may be good for: State Farm could be appealing if you prefer handling your coverage in person, as it has a network of local agents across Maryland.
Read full State Farm Insurance review
Progressive
Best for discounts
4.4
Avg. full coverage premium
$202/mo
Avg. full coverage premium
$2,424/yr
Customer satisfaction
624/1,000
-
Why Progressive made our list: Progressive stands out for making the insurance shopping process easy through its well-developed digital tools. J.D. Power ranked Progressive first in service in its 2024 Digital Experience Study, and it also received an above-average rating for shopping experience. The company also offers numerous potential discounts that might help you save, especially if you get a quote and sign up online, and go paperless. Progressive carries an A+ (Superior) financial strength rating from AM Best. However, Progressive’s ranking for claims satisfaction from J.D. Power was below the industry average.
Who Progressive may be good for: Customers wanting to match their coverage to their budgets may find Progressive’s Name Your Price tool useful.
Read full Progressive Insurance review
Erie
Best for coverage add-ons
4.1
Avg. full coverage premium
$164/mo
Avg. full coverage premium
$1,972/yr
Customer satisfaction
713/1,000
-
Why Erie made our list: Erie’s unique Rate Lock feature may help you avoid premium increases unless you make coverage changes to your policy, like adding a vehicle or driver. Additionally, its accident forgiveness endorsement may ensure that your first accident won’t result in a surcharge to your premium. However, its online portal and mobile app experience are not as sleek as some competitor offerings, which may make it difficult for customers who want a digital insurance experience.
Who Erie may be good for: If you’re looking for robust coverage and excellent service, Erie might be a good choice. The carrier came in first place in the Mid-Atlantic region of the J.D. Power U.S. Auto Insurance Study.
Read full Erie Insurance review
How Bankrate chose the best car insurance companies in Maryland
The best car insurance in Maryland 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.
Why you can trust Bankrate
Read our full methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
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.
New
As of July 1, 2024, insurers must offer enhanced uninsured motorist coverage on new Maryland auto insurance policies. Though waivable, enhanced UM coverage can help make you whole after a claim with another driver who doesn’t have enough liability coverage to pay for damages they caused to you in an accident.
Maryland legislators also introduced a bill in March 2025 that would prevent insurance rate increases from telematics data (if an insurer raises rates for risky driving behaviors) and boosts drivers’ privacy rights on which data can be collected and how it can be used. This legislation would go into effect on October 1, 2025 if approved.
Related content:
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Powered by Coverage.com (NPN: 19966249)
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 $2,906 annually for full coverage, which is just 8 percent more than the U.S. average of $2,685. Minimum coverage tends to be significantly more expensive in Maryland, though, with an average annual premium of $1,030, which is 29 percent more than the national average annual premium of $800.
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.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Rawlings | $2,299 | -23% |
| Centreville | $2,281 | -24% |
| Denton | $2,259 | -25% |
| Ingleside | $2,276 | -24% |
| Neavitt | $2,288 | -24% |
| Rhodesdale | $2,265 | -25% |
| Woolford | $2,263 | -25% |
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Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze April 2025 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 for our base profile are based on the following characteristics and full coverage limits:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To 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.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
