Car Insurance Quotes Maryland
Car Insurance Quotes Maryland
Obtaining the right car insurance quotes in Maryland can sometimes be challenging, but obtaining these quotes is the first step toward saving money and finding the best coverage. On average, Maryland drivers pay about $1,116 for a six-month policy, which is close to the national average. However, your age, driving record, the type of car you drive, and even where you live in the state are factors.
The good news is that there are many options for affordable car insurance in Maryland. For example, Travelers offers some of the cheapest full coverage, while GEICO is known for low-cost liability coverage. If customer service matters most, Erie Insurance consistently ranks at the top for satisfaction and has even been rated the best overall company for Maryland drivers. For military families, USAA is another excellent choice.
Since quotes vary so much from one company to another, comparing car insurance quotes in Maryland is the easiest way to make sure you are not overpaying. Whether you are a new driver, a family on a budget, or someone looking to switch providers, taking time to shop around can help you find the right balance of price, service, and protection.
Car Insurance Quotes For Full Coverage In Maryland
In 2025, the average cost of full car insurance coverage in Maryland is about $1,116 for a six-month policy, according to data from Zebra. Full coverage usually includes both collision and comprehensive insurance, which makes it a popular choice for more drivers. In fact, more than half of Maryland drivers (56%) choose full coverage over liability-only policies for the added protection.
If you are searching for the most affordable full coverage options in Maryland, Travelers is a great place to start. GEICO and USAA also offer competitive rates, though keep in mind that USAA coverage is only available to military members, veterans, and their families.
Average Auto Insurance Rates in Maryland (Full Coverage):
Travelers:
- $763 for 6 months (about $127 per month)
GEICO:
- $813 for 6 months (about $135 per month)
USAA:
- $877 for 6 months (about $146 per month)
Nationwide:
- $1,072 for 6 months (about $179 per month)
Progressive:
- $1,115 for 6 months (about $186 per month)
Erie:
- $1,128 for 6 months (about $188 per month)
State Farm:
- $1,130 for 6 months (about $188 per month)
Allstate:
$1,832 for 6 months (about $305 per month)
Car Insurance Quotes Liability Coverage In Maryland
Maryland law requires all drivers to carry liability insurance, uninsured and underinsured motorist coverage, and personal injury protection (PIP) at or above the state’s minimum limits. Currently, about 44% of Maryland drivers choose only the minimum coverage.
The minimum liability requirements in Maryland are 30/60/15, which breaks down as:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $15,000 for property damage per accident
Uninsured/underinsured motorist coverage must meet the same 30/60/15 limits, while the minimum PIP requirement is $2,500 per person.
If you’re shopping for affordable liability coverage, here are the cheapest auto insurance companies in Maryland for minimum coverage:
GEICO:
- Avg. 6-Month Premium: $327
- Avg. Monthly: $54
USAA:
- Avg. 6-Month Premium: $363
- Avg. Monthly: $60
Travelers:
- Avg. 6-Month Premium: $395
- Avg. Monthly: $66
State Farm:
- Avg. 6-Month Premium: $537
- Avg. Monthly: $89
Erie:
- Avg. 6-Month Premium: $550
- Avg. Monthly: $92
Progressive:
- Avg. 6-Month Premium: $557
- Avg. Monthly: $93
Nationwide:
- Avg. 6-Month Premium: $606
- Avg. Monthly: $101
Allstate:
- Avg. 6-Month Premium: $960
- Avg. Monthly: $160
Car Insurance Quotes For Teens And Young Adults In Maryland
Teen drivers between the ages of 16 and 19 face the steepest car insurance rates nationwide. Since young drivers are considered higher risk due to limited experience, their premiums are often more than triple the national average.
In Maryland, teens pay an average of $6,565 per year for car insurance coverage, which is about $1,225 more than the U.S. average and 17% higher than what a 30-year-old driver in Maryland pays. If you are a teen or a parent shopping for the cheapest car insurance, below are the options you can choose from:
Travelers:
- Avg. 6-Month Premium: $2,180
- Avg. Monthly: $363
GEICO:
- Avg. 6-Month Premium: $2,874
- Avg. Monthly: $479
USAA:
- Avg. 6-Month Premium: $2,882
- Avg. Monthly: $480
Nationwide:
- Avg. 6-Month Premium: $3,554
- Avg. Monthly: $592
Progressive:
- Avg. 6-Month Premium: $4,143
- Avg. Monthly: $691
State Farm:
- Avg. 6-Month Premium: $4,944
- Avg. Monthly: $824
Allstate:
- Avg. 6-Month Premium: $7,509
- Avg. Monthly: $1,251
Car Insurance Quotes In Maryland After An Accident Or Ticket
In Maryland, a poor driving record can make your insurance rates climb quickly. Receiving a ticket, citation, or at-fault accident almost always leads to higher premiums, but the amount depends on various factors, including the type of violation, your insurer’s pricing policies, and state-specific insurance regulations.
The most serious offences, like DUI or hit-and-run, usually cause the largest rate hikes. Less severe infractions like speeding tickets still increase premiums, but to a smaller degree. If you have been in an accident. Below are the cheapest auto insurance companies in Maryland for drivers with an at-fault crash on record:
Travelers:
- Avg. 6-Month Premium: $1,034
- Avg. Monthly: $172
GEICO:
- Avg. 6-Month Premium: $1,321
- Avg. Monthly: $220
USAA:
- Avg. 6-Month Premium: $1,475
- Avg. Monthly: $246
Progressive:
- Avg. 6-Month Premium: $1,737
- Avg. Monthly: $289
Nationwide :
- Avg. 6-Month Premium: $1,843
- Avg. Monthly: $307
State Farm:
- Avg. 6-Month Premium: $1,911
- Avg. Monthly: $319
Allstate:
- Avg. 6-Month Premium: $3,308
- Avg. Monthly: $551
Who has the cheapest car insurance in Maryland?
Travelers is often cited as one of the cheapest options for auto insurance in Maryland. For instance, in a recent state-by‐state analysis, it ranked as Maryland’s lowest-cost insurer.
However, whether Travelers will be the cheapest for you depends on many personal factors, such as your age, driving record, credit score, location, coverage level, etc.
What is the average cost for car insurance in Maryland?
- Data showed that the average car insurance policy in MD was $1,213 per six-month period or about $202 per month
Why Is Car Insurance So Expensive in Maryland?
Car insurance in Maryland costs about 11% more than the national average, and several factors contribute to these higher rates:
High population density:
- Maryland has a large population and busy roadways, especially near cities like Baltimore and areas close to Washington, D.C. More cars on the road means a greater risk of accidents.
Uninsured drivers:
- A higher percentage of uninsured or underinsured drivers in the state pushes up premiums, since insurers take on more financial risk.
Claims and repair costs:
- Insurance companies in Maryland face more frequent and more expensive claims, including accident damages and medical payouts, which drives up overall rates.
Local laws and coverage requirements:
- Maryland requires personal injury protection (PIP) in addition to liability and uninsured/underinsured motorist coverage, which makes minimum policies more costly compared to some other states
Is Maryland a No-Fault State?
No, Maryland is an at-fault state. This means that the driver who causes an accident is legally responsible for covering the damages. Victims can also file a lawsuit against the at-fault driver to recover additional costs.
However, Maryland is unique because it requires personal injury protection (PIP) coverage, which is more common in no-fault states. PIP pays for medical expenses and certain other costs regardless of who caused the accident. Since fault doesn’t have to be determined for a PIP claim, payouts are usually quicker than standard liability claims.