Cheapest Car Insurance in Maryland (2025)
Best cheap car insurance in Maryland
Cheapest full-coverage car insurance in Maryland: State Farm
USAA has Maryland’s cheapest full coverage overall at $91 a month. However, only the military community and their families can get insurance from USAA.
Full-coverage auto insurance rates
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $1,408 |  |
 | Geico | $1,711 |  |
 | Erie | $1,794 |  |
 | Travelers | $1,843 | |
 | Progressive | $2,057 | |
 | Nationwide | $2,350 |  |
 | Allstate | $4,017 | |
 | USAA* | $1,090 | |
Full-coverage car insurance includes collision Collision covers damage from a collision with another vehicle or object. and comprehensive Comprehensive covers your car for theft and damage from non-collision causes like fire, flood and vandalism. , which cover your own car for damage and theft. In Maryland, the average cost of full-coverage insurance is $169 a month.
Your actual rate is based on factors like your age, driving record and credit history. And since each company weighs these factors differently, you should compare car insurance quotes from a few companies.
Maryland’s best cheap liability insurance: State Farm
State Farm also has a better overall customer satisfaction rating than Geico from J.D. Power. However, Geico offers more car insurance discounts than State Farm. These include discounts for federal employees and military service members.
Liability auto insurance rates
| Company | Annual rate |
|---|---|
| State Farm | $742 |
| Geico | $849 |
| Erie | $912 |
| Travelers | $992 |
| Progressive | $1,168 |
| Nationwide | $1,279 |
| Allstate | $2,277 |
| USAA* | $445 |
Cheap car insurance for Maryland teens: Erie
Erie also has the cheapest full-coverage rates for most young Maryland drivers, $320 a month. State Farm comes in second at $357 a month.
Annual car insurance rates for teens
| Company | Liability | Full coverage |
|---|---|---|
| Erie | $1,898 | $3,834 |
| State Farm | $2,197 | $4,285 |
| Travelers | $2,742 | $4,983 |
| Progressive | $2,941 | $6,021 |
| Geico | $3,029 | $6,592 |
| Nationwide | $4,860 | $8,064 |
| Allstate | $9,683 | $17,023 |
| USAA* | $1,073 | $2,529 |
Erie offers a discount to unmarried young drivers who live with their parents. State Farm gives young drivers a discount for getting good grades.
Both companies give discounts to teens who:
- Complete a driver training program
- Go off to college without a car
Maryland’s best insurance rates after a speeding ticket: State Farm
Erie is the state’s second-cheapest company for drivers with a ticket at $174 a month.
Maryland auto insurance rates after a ticket
| Company | Annual rate |
|---|---|
| State Farm | $1,509 |
| Erie | $2,085 |
| Geico | $2,210 |
| Travelers | $2,395 |
| Progressive | $2,667 |
| Nationwide | $3,408 |
| Allstate | $4,890 |
| USAA* | $1,294 |
Cheap Maryland car insurance after an accident: State Farm
An accident raises the average cost of car insurance by 61% (to $272 a month) in Maryland.
Car insurance rates after an at-fault accident
| Company | Annual rate |
|---|---|
| State Farm | $1,699 |
| Erie | $2,634 |
| Travelers | $2,653 |
| Progressive | $2,921 |
| Geico | $2,982 |
| Nationwide | $4,161 |
| Allstate | $7,402 |
| USAA* | $1,701 |
Cheapest insurance for Maryland teens with a ticket or accident: Erie
At $193 a month, Erie has the cheapest liability insurance for most teens with a speeding ticket. State Farm is only slightly more expensive at $198 a month.
Erie also edges out State Farm as the cheapest company for most Maryland teens with an at-fault accident. Erie’s rates average $217 a month for teens with an accident. State Farm’s rates are a touch higher at $227 a month.
Annual rates for teens with a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| Erie | $2,315 | $2,599 |
| State Farm | $2,380 | $2,725 |
| Progressive | $3,216 | $3,281 |
| Geico | $3,532 | $3,884 |
| Travelers | $3,533 | $4,026 |
| Nationwide | $5,274 | $5,337 |
| Allstate | $11,536 | $14,547 |
| USAA* | $1,513 | $1,891 |
Maryland’s cheapest DUI insurance: Erie
The average cost of car insurance in Maryland with a DUI is $306 a month.
Car insurance rates with a DUI
| Company | Annual rate |
|---|---|
| Erie | $2,085 |
| Geico | $2,447 |
| Travelers | $2,804 |
| Progressive | $3,002 |
| Allstate | $4,193 |
| Nationwide | $5,556 |
| State Farm | $6,966 |
| USAA* | $2,345 |
Cheapest car insurance for MD drivers with bad credit: Geico
Insurance companies check your credit history for items like late payments and the amounts you owe. It’s tough to improve your credit overnight — however, avoiding late payments and paying down debts is a good start.
Auto insurance rates for drivers with bad credit
| Company | Annual rate |
|---|---|
| Geico | $2,447 |
| Progressive | $3,000 |
| Travelers | $3,508 |
| Nationwide | $3,914 |
| Erie | $4,118 |
| Allstate | $5,609 |
| State Farm | $7,182 |
| USAA* | $1,898 |
Maryland’s best auto insurance companies
- State Farm has lower rates for most drivers than Travelers and a better customer satisfaction rating.
- Travelers offers accident forgiveness and gap insurance, which you can’t get from State Farm.
USAA has the highest J.D. Power customer satisfaction rating among Maryland’s car insurance companies. The scores are based on customer surveys that rate companies on factors like price and problem resolution. Erie has Maryland’s second-highest rating.
Maryland auto insurance company ratings
| Company | J.D.Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Erie | 700 | A+ | |
| Geico | 637 | A++ | |
| Nationwide | 641 | A | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| Travelers | 616 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 637 is average.
Maryland car insurance rates by city
Eckhart Mines has the cheapest average car insurance rate among Maryland’s cities and towns at $1,615 a year. Frostburg and Grahamtown have the next-cheapest rates at $1,619 and $1,620 a year, respectively. The rates in all three Allegany County areas work out to about $135 a month.
At $264 a month, Gwynn Oak has Maryland’s most expensive car insurance.
Baltimore drivers pay an average of $253 a month, which is 49% higher than the state average. In Annapolis, car insurance costs an average of $167 a month, or 1% less than the state average.
Car insurance rates near you
| City | Annual rate | Difference from state average |
|---|---|---|
| Abell | $1,837 | -10% |
| Aberdeen | $2,055 | 1% |
| Aberdeen Proving Ground | $2,123 | 4% |
| Abingdon | $2,098 | 3% |
| Accident | $1,722 | -15% |
| Accokeek | $2,408 | 18% |
| Adamstown | $1,788 | -12% |
| Adelphi | $2,633 | 29% |
| Algonquin | $1,744 | -14% |
| Allen | $1,730 | -15% |
| Andrews AFB | $2,314 | 14% |
| Annapolis | $2,008 | -1% |
| Annapolis Junction | $2,096 | 3% |
| Annapolis Neck | $2,021 | -1% |
| Aquasco | $2,300 | 13% |
| Arbutus | $2,823 | 39% |
| Arden on the Severn | $1,950 | -4% |
| Arnold | $2,019 | -1% |
| Ashton | $2,139 | 5% |
| Aspen Hill | $2,337 | 15% |
| Avenue | $1,858 | -9% |
| Baden | $2,353 | 16% |
| Baldwin | $2,070 | 2% |
| Ballenger Creek | $1,780 | -12% |
| Baltimore | $3,031 | 49% |
| Barclay | $1,750 | -14% |
| Barnesville | $1,995 | -2% |
| Barstow | $1,888 | -7% |
| Barton | $1,680 | -17% |
| Beallsville | $2,017 | -1% |
| Bel Air | $1,968 | -3% |
| Bel Air North | $1,968 | -3% |
| Bel Air South | $1,978 | -3% |
| Bel Alton | $2,074 | 2% |
| Belcamp | $2,053 | 1% |
| Beltsville | $2,527 | 24% |
| Benedict | $2,120 | 4% |
| Benson | $2,029 | 0% |
| Bensville | $2,258 | 11% |
| Berlin | $1,647 | -19% |
| Berwyn Heights | $2,383 | 17% |
| Bethesda | $1,873 | -8% |
| Bethlehem | $1,691 | -17% |
| Betterton | $1,738 | -15% |
| Big Pool | $1,697 | -17% |
| Bishopville | $1,661 | -18% |
| Bittinger | $1,720 | -15% |
| Bivalve | $1,765 | -13% |
| Bladensburg | $2,724 | 34% |
| Bloomington | $1,712 | -16% |
| Boonsboro | $1,689 | -17% |
| Boring | $2,137 | 5% |
| Bowie | $2,266 | 11% |
| Bowleys Quarters | $2,526 | 24% |
| Bowmans Addition | $1,635 | -20% |
| Boyds | $1,999 | -2% |
| Bozman | $1,706 | -16% |
| Braddock Heights | $1,793 | -12% |
| Brandywine | $2,416 | 19% |
| Brentwood | $2,661 | 31% |
| Brinklow | $2,115 | 4% |
| Brookeville | $2,063 | 1% |
| Brooklandville | $2,315 | 14% |
| Brooklyn | $2,734 | 34% |
| Brooklyn Park | $2,680 | 32% |
| Brookmont | $1,865 | -8% |
| Broomes Island | $1,888 | -7% |
| Brownsville | $1,748 | -14% |
| Brunswick | $1,793 | -12% |
| Bryans Road | $2,249 | 11% |
| Bryantown | $2,135 | 5% |
| Buckeystown | $1,807 | -11% |
| Burkittsville | $1,761 | -13% |
| Burtonsville | $2,310 | 14% |
| Bushwood | $1,861 | -9% |
| Butler | $2,273 | 12% |
| Cabin John | $1,931 | -5% |
| California | $1,794 | -12% |
| Callaway | $1,802 | -11% |
| Calverton | $2,426 | 19% |
| Cambridge | $1,741 | -14% |
| Camp Springs | $2,643 | 30% |
| Capitol Heights | $2,831 | 39% |
| Carney | $2,495 | 23% |
| Cascade | $1,684 | -17% |
| Catonsville | $2,670 | 31% |
| Cavetown | $1,659 | -18% |
| Cecilton | $1,884 | -7% |
| Cedarville | $2,390 | 18% |
| Centreville | $1,765 | -13% |
| Chance | $1,731 | -15% |
| Chaptico | $1,867 | -8% |
| Charlestown | $2,003 | -2% |
| Charlotte Hall | $2,063 | 1% |
| Chase | $2,358 | 16% |
| Cheltenham | $2,426 | 19% |
| Chesapeake Beach | $1,939 | -5% |
| Chesapeake City | $2,047 | 1% |
| Chesapeake Ranch Estates | $1,880 | -8% |
| Chester | $1,742 | -14% |
| Chestertown | $1,708 | -16% |
| Cheverly | $2,776 | 36% |
| Chevy Chase | $1,889 | -7% |
| Chevy Chase Section Five | $1,895 | -7% |
| Chevy Chase Section Three | $1,895 | -7% |
| Chevy Chase View | $1,949 | -4% |
| Chevy Chase Village | $1,872 | -8% |
| Chewsville | $1,695 | -17% |
| Childs | $2,055 | 1% |
| Chillum | $2,586 | 27% |
| Church Creek | $1,737 | -15% |
| Church Hill | $1,739 | -15% |
| Churchton | $2,069 | 2% |
| Churchville | $1,983 | -3% |
| Claiborne | $1,716 | -16% |
| Clarksburg | $2,069 | 2% |
| Clarksville | $1,983 | -3% |
| Clear Spring | $1,658 | -18% |
| Clements | $1,862 | -8% |
| Clinton | $2,447 | 20% |
| Cobb Island | $2,110 | 4% |
| Cockeysville | $2,381 | 17% |
| Colesville | $2,367 | 16% |
| College Park | $2,448 | 20% |
| Colmar Manor | $2,678 | 32% |
| Colora | $2,030 | 0% |
| Coltons Point | $1,830 | -10% |
| Columbia | $2,095 | 3% |
| Compton | $1,821 | -10% |
| Conowingo | $2,046 | 1% |
| Cooksville | $1,962 | -4% |
| Coral Hills | $2,845 | 40% |
| Cordova | $1,688 | -17% |
| Corriganville | $1,648 | -19% |
| Cottage City | $2,696 | 33% |
| Crapo | $1,755 | -14% |
| Cresaptown | $1,663 | -18% |
| Crisfield | $1,728 | -15% |
| Crocheron | $1,738 | -15% |
| Crofton | $1,970 | -3% |
| Croom | $2,357 | 16% |
| Crownsville | $1,971 | -3% |
| Crumpton | $1,771 | -13% |
| Cumberland | $1,642 | -19% |
| Curtis Bay | $2,324 | 14% |
| Damascus | $2,005 | -1% |
| Dameron | $1,812 | -11% |
| Dames Quarter | $1,745 | -14% |
| Darlington | $2,000 | -2% |
| Darnestown | $2,014 | -1% |
| Davidsonville | $2,024 | -1% |
| Dayton | $1,967 | -3% |
| Deal Island | $1,731 | -15% |
| Deale | $2,066 | 2% |
| Deer Park | $1,728 | -15% |
| Delmar | $1,720 | -15% |
| Denton | $1,679 | -17% |
| Derwood | $2,065 | 2% |
| Dickerson | $1,918 | -6% |
| District Heights | $2,768 | 36% |
| Dowell | $1,862 | -8% |
| Drayden | $1,796 | -12% |
| Drum Point | $1,871 | -8% |
| Dundalk | $2,639 | 30% |
| Dunkirk | $1,945 | -4% |
| Earleville | $1,874 | -8% |
| East New Market | $1,724 | -15% |
| East Riverdale | $2,651 | 30% |
| Easton | $1,624 | -20% |
| Eckhart Mines | $1,615 | -21% |
| Eden | $1,737 | -15% |
| Edgemere | $2,408 | 18% |
| Edgewater | $1,974 | -3% |
| Edgewood | $2,341 | 15% |
| Edmonston | $2,655 | 31% |
| Eldersburg | $1,971 | -3% |
| Elk Mills | $2,042 | 0% |
| Elkridge | $2,150 | 6% |
| Elkton | $2,070 | 2% |
| Ellerslie | $1,697 | -17% |
| Ellicott City | $2,089 | 3% |
| Emmitsburg | $1,721 | -15% |
| Essex | $2,614 | 29% |
| Ewell | $1,774 | -13% |
| Fairland | $2,294 | 13% |
| Fairmount Heights | $2,825 | 39% |
| Fairplay | $1,671 | -18% |
| Fairwood | $2,281 | 12% |
| Fallston | $2,025 | 0% |
| Faulkner | $2,112 | 4% |
| Federalsburg | $1,670 | -18% |
| Ferndale | $2,204 | 8% |
| Finksburg | $1,980 | -3% |
| Fishing Creek | $1,719 | -15% |
| Flintstone | $1,692 | -17% |
| Forest Heights | $2,775 | 36% |
| Forest Hill | $1,982 | -3% |
| Forestville | $2,715 | 33% |
| Fork | $2,133 | 5% |
| Fort Howard | $2,377 | 17% |
| Fort Meade | $2,105 | 3% |
| Fort Washington | $2,506 | 23% |
| Fountainhead-Orchard Hills | $1,664 | -18% |
| Four Corners | $2,331 | 15% |
| Frederick | $1,801 | -11% |
| Freeland | $2,013 | -1% |
| Friendly | $2,566 | 26% |
| Friendship | $2,090 | 3% |
| Friendship Heights Village | $1,876 | -8% |
| Friendsville | $1,737 | -15% |
| Frostburg | $1,619 | -20% |
| Fruitland | $1,751 | -14% |
| Fulton | $1,980 | -3% |
| Funkstown | $1,676 | -18% |
| Gaithersburg | $2,094 | 3% |
| Galena | $1,747 | -14% |
| Galesville | $2,092 | 3% |
| Gambrills | $2,051 | 1% |
| Gapland | $1,720 | -15% |
| Garrett Park | $1,938 | -5% |
| Garrison | $2,779 | 37% |
| Georgetown | $1,900 | -7% |
| Germantown | $2,076 | 2% |
| Gibson Island | $2,028 | 0% |
| Girdletree | $1,709 | -16% |
| Glassmanor | $2,774 | 36% |
| Glen Arm | $2,317 | 14% |
| Glen Burnie | $2,236 | 10% |
| Glen Echo | $1,942 | -5% |
| Glenarden | $2,557 | 26% |
| Glenelg | $1,961 | -4% |
| Glenn Dale | $2,398 | 18% |
| Glenwood | $1,898 | -7% |
| Glyndon | $2,413 | 19% |
| Goldsboro | $1,702 | -16% |
| Grahamtown | $1,620 | -20% |
| Grantsville | $1,697 | -17% |
| Grasonville | $1,725 | -15% |
| Great Mills | $1,795 | -12% |
| Greenbelt | $2,382 | 17% |
| Greensboro | $1,716 | -16% |
| Gunpowder | $2,203 | 8% |
| Gwynn Oak | $3,165 | 56% |
| Hagerstown | $1,713 | -16% |
| Halethorpe | $2,720 | 34% |
| Halfway | $1,653 | -19% |
| Hampstead | $1,964 | -3% |
| Hampton | $2,399 | 18% |
| Hancock | $1,716 | -16% |
| Hanover | $2,139 | 5% |
| Harmans | $2,139 | 5% |
| Harwood | $2,056 | 1% |
| Havre De Grace | $2,021 | -1% |
| Hebron | $1,743 | -14% |
| Helen | $1,825 | -10% |
| Henderson | $1,711 | -16% |
| Herald Harbor | $1,970 | -3% |
| Highland | $1,981 | -3% |
| Hillandale | $2,603 | 28% |
| Hillcrest Heights | $2,785 | 37% |
| Hillsboro | $1,663 | -18% |
| Hollywood | $1,790 | -12% |
| Hughesville | $2,086 | 3% |
| Hunt Valley | $2,374 | 17% |
| Huntingtown | $1,890 | -7% |
| Hurlock | $1,712 | -16% |
| Hyattsville | $2,709 | 33% |
| Hydes | $2,132 | 5% |
| Ijamsville | $1,843 | -9% |
| Ilchester | $2,092 | 3% |
| Indian Head | $2,272 | 12% |
| Ingleside | $1,744 | -14% |
| Ironsides | $2,242 | 10% |
| Issue | $2,114 | 4% |
| Jarrettsville | $1,993 | -2% |
| Jefferson | $1,761 | -13% |
| Jessup | $2,170 | 7% |
| Joppa | $2,156 | 6% |
| Keedysville | $1,701 | -16% |
| Kemp Mill | $2,320 | 14% |
| Kennedyville | $1,723 | -15% |
| Kensington | $1,999 | -2% |
| Kettering | $2,412 | 19% |
| Keymar | $1,826 | -10% |
| Kingsville | $2,226 | 9% |
| Kitzmiller | $1,717 | -16% |
| Knoxville | $1,794 | -12% |
| Konterra | $2,216 | 9% |
| La Plata | $2,071 | 2% |
| La Vale | $1,626 | -20% |
| Ladiesburg | $1,780 | -13% |
| Lake Arbor | $2,408 | 18% |
| Lake Shore | $2,037 | 0% |
| Landover | $2,799 | 38% |
| Landover Hills | $2,645 | 30% |
| Langley Park | $2,574 | 27% |
| Lanham | $2,503 | 23% |
| Lanham Seabrook | $2,498 | 23% |
| Lansdowne | $2,655 | 31% |
| Largo | $2,415 | 19% |
| Laurel | $2,199 | 8% |
| Laytonsville | $2,058 | 1% |
| Leitersburg | $1,642 | -19% |
| Leonardtown | $1,781 | -12% |
| Lexington Park | $1,802 | -11% |
| Libertytown | $1,807 | -11% |
| Lineboro | $2,031 | 0% |
| Linganore | $1,803 | -11% |
| Linkwood | $1,733 | -15% |
| Linthicum | $2,215 | 9% |
| Linthicum Heights | $2,206 | 8% |
| Lisbon | $1,885 | -7% |
| Little Orleans | $1,744 | -14% |
| Lochearn | $2,949 | 45% |
| Lonaconing | $1,655 | -19% |
| Long Green | $2,264 | 11% |
| Lothian | $2,039 | 0% |
| Loveville | $1,835 | -10% |
| Luke | $1,702 | -16% |
| Lusby | $1,866 | -8% |
| Lutherville | $2,239 | 10% |
| Lutherville Timonium | $2,246 | 10% |
| Maddox | $1,867 | -8% |
| Madison | $1,749 | -14% |
| Manchester | $1,930 | -5% |
| Manokin | $1,727 | -15% |
| Marbury | $2,261 | 11% |
| Mardela Springs | $1,692 | -17% |
| Marion Station | $1,738 | -15% |
| Marlow Heights | $2,758 | 36% |
| Marriottsville | $2,191 | 8% |
| Marydel | $1,715 | -16% |
| Maryland City | $2,054 | 1% |
| Maryland Line | $2,161 | 6% |
| Massey | $1,747 | -14% |
| Maugansville | $1,665 | -18% |
| Mayo | $1,987 | -2% |
| Mc Henry | $1,715 | -16% |
| McDaniel | $1,724 | -15% |
| Mechanicsville | $1,915 | -6% |
| Middle River | $2,592 | 27% |
| Middletown | $1,767 | -13% |
| Midlothian | $1,669 | -18% |
| Milford Mill | $2,977 | 46% |
| Millersville | $2,034 | 0% |
| Millington | $1,760 | -13% |
| Mitchellville | $2,371 | 17% |
| Monkton | $2,082 | 2% |
| Monrovia | $1,849 | -9% |
| Montgomery Village | $2,164 | 6% |
| Morganza | $1,840 | -10% |
| Morningside | $2,699 | 33% |
| Mount Aetna | $1,667 | -18% |
| Mount Airy | $1,798 | -12% |
| Mount Lena | $1,690 | -17% |
| Mount Rainier | $2,667 | 31% |
| Mount Savage | $1,631 | -20% |
| Mount Vernon | $1,756 | -14% |
| Mount Victoria | $2,090 | 3% |
| Mountain Lake Park | $1,720 | -15% |
| Myersville | $1,717 | -16% |
| Nanjemoy | $2,215 | 9% |
| Nanticoke | $1,737 | -15% |
| National Harbor | $2,651 | 30% |
| Naval Academy | $1,982 | -3% |
| Neavitt | $1,746 | -14% |
| New Carrollton | $2,641 | 30% |
| New Market | $1,821 | -10% |
| New Midway | $1,815 | -11% |
| New Windsor | $1,878 | -8% |
| Newark | $1,677 | -18% |
| Newburg | $2,093 | 3% |
| Newcomb | $1,667 | -18% |
| North Beach | $1,981 | -3% |
| North Bethesda | $1,915 | -6% |
| North East | $1,981 | -3% |
| North Kensington | $2,075 | 2% |
| North Potomac | $1,934 | -5% |
| Nottingham | $2,391 | 18% |
| Oakland | $1,721 | -15% |
| Ocean City | $1,654 | -19% |
| Ocean Pines | $1,650 | -19% |
| Odenton | $2,067 | 2% |
| Oldtown | $1,704 | -16% |
| Olney | $2,022 | -1% |
| Overlea | $2,930 | 44% |
| Owings | $1,941 | -5% |
| Owings Mills | $2,701 | 33% |
| Oxford | $1,673 | -18% |
| Oxon Hill | $2,672 | 31% |
| Paramount-Long Meadow | $1,656 | -19% |
| Park Hall | $1,807 | -11% |
| Parkton | $2,073 | 2% |
| Parkville | $2,569 | 26% |
| Parole | $1,986 | -2% |
| Parsonsburg | $1,706 | -16% |
| Pasadena | $2,116 | 4% |
| Patuxent River | $1,830 | -10% |
| Peppermill Village | $2,810 | 38% |
| Perry Hall | $2,402 | 18% |
| Perry Point | $1,998 | -2% |
| Perryman | $2,106 | 4% |
| Perryville | $2,018 | -1% |
| Phoenix | $2,288 | 13% |
| Pikesville | $3,002 | 48% |
| Piney Point | $1,795 | -12% |
| Pinto | $1,713 | -16% |
| Pittsville | $1,725 | -15% |
| Pleasant Hills | $2,122 | 4% |
| Pocomoke City | $1,711 | -16% |
| Point of Rocks | $1,826 | -10% |
| Pomfret | $2,162 | 6% |
| Poolesville | $2,034 | 0% |
| Port Deposit | $2,026 | 0% |
| Port Republic | $1,876 | -8% |
| Port Tobacco | $2,104 | 3% |
| Potomac | $1,971 | -3% |
| Potomac Heights | $2,278 | 12% |
| Potomac Park | $1,637 | -20% |
| Powellville | $1,727 | -15% |
| Preston | $1,650 | -19% |
| Price | $1,692 | -17% |
| Prince Frederick | $1,916 | -6% |
| Princess Anne | $1,748 | -14% |
| Pylesville | $2,051 | 1% |
| Quantico | $1,764 | -13% |
| Queen Anne | $1,741 | -14% |
| Queenstown | $1,733 | -15% |
| Randallstown | $2,987 | 47% |
| Rawlings | $1,660 | -18% |
| Redland | $2,133 | 5% |
| Rehobeth | $1,732 | -15% |
| Reisterstown | $2,640 | 30% |
| Rhodesdale | $1,721 | -15% |
| Riderwood | $2,372 | 17% |
| Ridge | $1,805 | -11% |
| Ridgely | $1,715 | -16% |
| Rising Sun | $1,999 | -2% |
| Riva | $2,025 | 0% |
| Riverdale | $2,688 | 32% |
| Riverdale Park | $2,665 | 31% |
| Riviera Beach | $2,062 | 1% |
| Robinwood | $1,663 | -18% |
| Rock Hall | $1,696 | -17% |
| Rock Point | $2,020 | -1% |
| Rockville | $2,026 | 0% |
| Rocky Ridge | $1,736 | -15% |
| Rohrersville | $1,720 | -15% |
| Rosedale | $2,922 | 44% |
| Rossville | $2,553 | 26% |
| Royal Oak | $1,675 | -18% |
| Sabillasville | $1,723 | -15% |
| Salisbury | $1,807 | -11% |
| Sandy Spring | $2,117 | 4% |
| Savage | $2,165 | 6% |
| Scaggsville | $2,058 | 1% |
| Scotland | $1,776 | -13% |
| Seabrook | $2,503 | 23% |
| Seat Pleasant | $2,798 | 38% |
| Secretary | $1,713 | -16% |
| Severn | $2,186 | 7% |
| Severna Park | $2,038 | 0% |
| Shady Side | $2,069 | 2% |
| Sharpsburg | $1,690 | -17% |
| Sharptown | $1,731 | -15% |
| Sherwood | $1,735 | -15% |
| Sherwood Forest | $2,022 | -1% |
| Showell | $1,684 | -17% |
| Silver Hill | $2,748 | 35% |
| Silver Spring | $2,304 | 13% |
| Simpsonville | $2,067 | 2% |
| Smithsburg | $1,655 | -19% |
| Snow Hill | $1,694 | -17% |
| Solomons | $1,862 | -8% |
| Somerset | $1,864 | -8% |
| South Kensington | $1,977 | -3% |
| South Laurel | $2,318 | 14% |
| Sparks Glencoe | $2,165 | 6% |
| Sparrows Point | $2,479 | 22% |
| Spencerville | $2,266 | 11% |
| Spring Gap | $1,668 | -18% |
| Spring Ridge | $1,788 | -12% |
| Springdale | $2,452 | 21% |
| St. Inigoes | $1,794 | -12% |
| St. James | $1,663 | -18% |
| St. Leonard | $1,864 | -8% |
| St. Marys | $1,807 | -11% |
| St. Marys City | $1,807 | -11% |
| St. Michaels | $1,682 | -17% |
| Stevenson | $2,294 | 13% |
| Stevensville | $1,734 | -15% |
| Still Pond | $1,735 | -15% |
| Stockton | $1,699 | -16% |
| Street | $2,052 | 1% |
| Sudlersville | $1,763 | -13% |
| Suitland | $2,752 | 35% |
| Sunderland | $1,951 | -4% |
| Swanton | $1,719 | -16% |
| Sykesville | $1,951 | -4% |
| Takoma Park | $2,396 | 18% |
| Tall Timbers | $1,820 | -10% |
| Taneytown | $1,832 | -10% |
| Taylors Island | $1,731 | -15% |
| Temple Hills | $2,695 | 33% |
| Templeville | $1,682 | -17% |
| Thurmont | $1,729 | -15% |
| Tilghman | $1,729 | -15% |
| Tilghmanton | $1,675 | -18% |
| Timonium | $2,292 | 13% |
| Toddville | $1,752 | -14% |
| Towson | $2,555 | 26% |
| Tracys Landing | $2,029 | 0% |
| Trappe | $1,660 | -18% |
| Travilah | $1,969 | -3% |
| Trego-Rohrersville Station | $1,698 | -16% |
| Tuscarora | $1,815 | -11% |
| Tyaskin | $1,753 | -14% |
| Tylerton | $1,799 | -12% |
| Union Bridge | $1,829 | -10% |
| Unionville | $1,788 | -12% |
| University Park | $2,638 | 30% |
| Upper Fairmount | $1,715 | -16% |
| Upper Falls | $2,180 | 7% |
| Upper Hill | $1,715 | -16% |
| Upper Marlboro | $2,438 | 20% |
| Upperco | $2,152 | 6% |
| Urbana | $1,826 | -10% |
| Valley Lee | $1,803 | -11% |
| Vienna | $1,736 | -15% |
| Waldorf | $2,286 | 12% |
| Walker Mill | $2,777 | 37% |
| Walkersville | $1,796 | -12% |
| Warwick | $1,895 | -7% |
| Washington Grove | $2,191 | 8% |
| Welcome | $2,126 | 5% |
| Wenona | $1,731 | -15% |
| West Friendship | $1,962 | -4% |
| West Laurel | $2,234 | 10% |
| West Ocean City | $1,650 | -19% |
| West River | $2,101 | 3% |
| Westernport | $1,700 | -16% |
| Westminster | $1,929 | -5% |
| Westover | $1,729 | -15% |
| Westphalia | $2,751 | 35% |
| Whaleyville | $1,694 | -17% |
| Wheaton | $2,176 | 7% |
| White Hall | $2,042 | 0% |
| White Marsh | $2,361 | 16% |
| White Oak | $2,334 | 15% |
| White Plains | $2,227 | 9% |
| Whiteford | $2,063 | 1% |
| Willards | $1,699 | -16% |
| Williamsport | $1,635 | -20% |
| Wilson-Conococheague | $1,654 | -19% |
| Windsor Mill | $3,154 | 55% |
| Wingate | $1,755 | -14% |
| Wittman | $1,730 | -15% |
| Woodbine | $1,889 | -7% |
| Woodlawn | $3,004 | 48% |
| Woodmore | $2,414 | 19% |
| Woodsboro | $1,811 | -11% |
| Woodstock | $2,203 | 8% |
| Woolford | $1,728 | -15% |
| Worton | $1,719 | -16% |
| Wye Mills | $1,684 | -17% |
Minimum car insurance requirements in Maryland
You need these coverages and limits to meet Maryland’s minimum car insurance requirements:
| Coverage | Required minimum limit |
|---|---|
| Bodily injury liability | $30,000 per person $60,000 per accident |
| Property damage liability | $15,000 |
| Uninsured motorist bodily injury | $30,000 per person $60,000 per accident |
| Uninsured motorist property damage | $15,000 |
| Personal injury protection (PIP) | $2,500 |
PIP covers injuries to you and your passengers, regardless of fault. Even if you have health insurance, PIP can spare you from some out-of-pocket costs.
You can scale back or remove PIP to lower your car insurance rate. If you need help deciding whether to keep it, ask for rates with and without PIP in the quotes you get.
Frequently asked questions
The average cost of car insurance in Maryland is $169 a month for full coverage. Minimum-liability rates average $90 a month.
No, Maryland has traditional at-fault accident laws. If you cause an accident, you are financially responsible for other people’s injuries and property damage. The liability coverage in your car insurance covers these expenses, up to your policy’s limits.
The penalties for driving without insurance in Maryland include a fine and suspension of your vehicle’s registration.