Maryland residents spend roughly $1,802 annually for full coverage auto insurance and $1,030 for minimum coverage, based on a 40-year-old driver with good credit and no infractions. Maryland ranks 44th for full coverage and 46th for minimum coverage among all jurisdictions, with costs 24% and 50% above national standards respectively.
Average Cost of Car Insurance in Maryland
Updated: October 16, 2025
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Key Takeaways
Maryland car insurance costs range from $1,030 to $5,081 per year depending on your chosen coverage, driving profile and location.
Maryland ranks as one of the most expensive in the country ranking 46th and 44th overall for minimum and full coverage car insurance affordability respectively.
To secure the cheapest car insurance in Maryland, start by deciding your coverage requirements, then research various companies before comparing quotes extensively.
Average Car Insurance Cost In Maryland
| Full Coverage | $150 | $1,802 |
| Minimum Coverage | $86 | $1,030 |
Moving from liability-only to comprehensive coverage costs an extra $772 per year, equaling $64 monthly. Your specific rates will fluctuate according to personal characteristics, driving background and coverage decisions.
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Average Maryland Car Insurance Cost By Category
Credit-challenged drivers encounter the steepest costs in Maryland at $266 monthly for full coverage and $130 for minimum coverage, as insurers heavily weight credit scores in their pricing. Individual characteristics combine to determine Maryland car insurance rates.
Young drivers face even higher premiums at $383 monthly for full coverage, reflecting their inexperience in Maryland's dense traffic environment. Adult drivers maintain moderate baseline rates at $145 monthly for full coverage and $84 for minimum, while older vehicle owners pay similar amounts at $149 monthly.
| Young Drivers | $212 | $383 |
| Adult Drivers | $84 | $145 |
| Senior Drivers | $90 | $152 |
| Drivers With An Accident | $127 | $229 |
| Drivers With A DUI | $161 | $304 |
| Drivers With A Speeding Ticket | $105 | $187 |
| Drivers With Bad Credit | $130 | $266 |
| Drivers With Low Income | $80 | $162 |
| Drivers With Newer Cars | $103 | $182 |
| Drivers With Old Cars | $85 | $149 |
Maryland's metropolitan traffic patterns and population density contribute to elevated rates, with demographic factors amplifying these base costs significantly.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
Check out our comprehensive roundup guides to identify the best cheap provider for your profile.
Average Maryland Car Insurance Cost by Company
GEICO stands out with competitive rates in Maryland at $89 monthly for full coverage, while Erie Insurance operates at higher price points with $135 monthly. Maryland insurance companies offer varying rate structures, with full coverage spanning from $89 to $135 monthly among prominent insurers.
Maryland residents can reduce annual costs by approximately $556 through strategic company selection.
| Geico | $51 | $89 |
| State Farm | $63 | $118 |
| Cumberland Mutual | $64 | $131 |
| Travelers | $67 | $116 |
| Erie Insurance | $71 | $135 |
Average Maryland Car Insurance Cost By City
Geographic location creates substantial car insurance cost variations in Maryland, with full coverage spanning from $112 monthly in Cumberland to $264 in Gwynn Oak. Location plays a major role in Maryland car insurance pricing across the state's diverse regions.
The impressive $152 monthly gap between the least and most expensive cities demonstrates how metropolitan proximity and population density impact insurance costs. Compare rates for your city below.
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City:Abell
| Full Coverage | $134 | $1,613 |
| Minimum Coverage | $78 | $930 |
*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by state law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
Is Maryland Car Insurance Expensive?
Maryland ranks 44th in affordability for full coverage and 46th overall for minimum coverage policies, placing it as one of the costliest states for car insurance in our 2025 study. Your actual costs may vary based on your specific city.
Why Is Car Insurance More Expensive In Maryland?
Here's what drives Maryland's car insurance costs:
High Uninsured Driver Rate
Maryland has a high rate of uninsured drivers compared to many states, with a substantial percentage lacking insurance coverage. This means many Maryland drivers likely can't pay for damages they cause in crashes. The high rate of uninsured drivers increases costs for insured drivers and makes uninsured motorist coverage particularly important.
Required Personal Injury Protection Coverage
Maryland requires personal injury protection coverage with a minimum amount, though many policies offer higher limits. PIP is "no-fault" coverage that pays medical bills and a percentage of lost wages regardless of who caused the accident. Unfortunately, many Maryland drivers waive their PIP coverage to save money, potentially losing benefits if they're in an accident.
Contributory Negligence Laws
Maryland follows contributory negligence laws, meaning you can't recover damages in a third-party claim if you're even 1% responsible for the accident. This harsh legal standard makes PIP coverage particularly valuable since it provides no-fault benefits regardless of who caused the accident. The strict liability rules can leave accident victims with limited recovery options if they bear any fault.
Fourth-Highest Car Theft Rate Nationally
Maryland ranks as the state with the fourth-highest rate of car theft, with theft rates well above the U.S. average. The state experienced tens of thousands of motor vehicle thefts in recent years. This high theft rate affects comprehensive coverage costs across the state.
High Population Density and Traffic Congestion
Maryland has high population density which leads to more traffic congestion and a higher likelihood of accidents. The state has several busy highways, including I-95, and areas around Baltimore and Washington D.C. experience heavy traffic. Crashes are more likely to occur in denser areas like around Baltimore and Washington D.C., contributing to higher insurance rates.
Baltimore Crime and Car Theft Crisis
Baltimore has the highest car insurance rates in Maryland with average annual premiums much higher than rural counties. Car theft has increased substantially in Baltimore, with many stolen cars being Kias and Hyundais due to viral TikTok videos showing how to steal them.
State Insurance Fund for High-Risk Drivers
Maryland operates the Maryland Auto Insurance Fund as a "carrier of last resort" for drivers who can't get insurance from private companies. MAIF covers many drivers in low-income areas who typically have older cars and live paycheck to paycheck. The fund helps ensure that high-risk drivers can still get required coverage, though often at higher rates than standard market policies.
Rising Insurance Costs
Maryland drivers are experiencing substantial rate increases, with some seeing large premium hikes despite clean driving records. Auto insurance claims and expenses have increased substantially in recent years. Rising costs of car repairs due to new technology and features, plus increased numbers of uninsured drivers, contribute to higher premiums for all Maryland drivers.
How To Lower Car Insurance Costs In Maryland
Want to cut your car insurance costs? Here's how to lower your rates:
- 1
Decide on coverage needs beforehand
Decide on your coverage needs before shopping so you aren't oversold on coverage you don't need. Consider your budget, driving habits, car value, and risk tolerance.
- 2
Research costs and discounts
Know the average costs for your profile and coverage level to spot good deals. Research car insurance discounts you qualify for and check home and auto insurance bundles for additional savings.
- 3
Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to narrow down which companies to compare. Use industry studies, review forums, and public forums like Reddit for research.
- 4
Compare quotes through multiple means
Compare quotes from multiple companies side by side to find the best deal. Use different methods like online comparison sites and independent agents since pricing varies by method.
Cost of Car Insurance in Maryland: Bottom Line
Maryland car insurance costs are among the most expensive in the United States. Decide on your coverage needs first, research companies thoroughly, and compare quotes from multiple insurers to get the best rates.
Cost of Car Insurance in Maryland: FAQ
We answer common questions about Maryland car insurance costs:
How much is Maryland car insurance per month?
Per month, Maryland car insurance costs $86 for minimum coverage and $150 for full coverage policies. However, rates can range anywhere from $80 to $383 monthly depending on your unique driver profile and coverage choice.
What factors affect Maryland car insurance costs?
Your driving record, age, and location affect your rates, with accidents, violations, and younger drivers facing higher costs. Urban areas cost more than rural ones.
Why is Maryland car insurance so expensive?
Maryland requires personal injury protection coverage with minimum $2,500 (though many drivers waive it) and has high minimum coverage requirements of 30/60/15. The state has about 8.5% uninsured drivers and faces vehicle theft risks, particularly in urban areas like Baltimore. Maryland's high population density and urban concentration contribute to elevated insurance costs.
How expensive is Maryland car insurance?
Maryland ranks 46th in affordability for minimum coverage and 44th overall for full coverage, making them one of the most expensive places to get auto insurance in the U.S.
How We Determined Maryland Car Insurance Costs
We used the following profile and modifications of this profile to determine Maryland auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Fox Baltimore . "Car Thefts in Maryland Exceed National Average by 118%, Study Reveals ." Accessed October 20, 2025.
- The Baltimore Banner . "Baltimore Highest Car Insurance Rates ." Accessed October 20, 2025.
