+120 more*These quotes are from real Compare.com users Maryland within the last 10 days. Updated on September 25, 2026
*These quotes are from real Compare.com users Maryland within the last 10 days. Updated on September 25, 2026
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
David Marlett is a Professor of Risk Management in the Department of Finance, Banking and Insurance at Appalachian State University. In his role, he serves as Managing Director of the university’s Brantley Risk & Insurance Center and holds the IIANC Distinguished Professorship. He also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
Updated
With average rates of $Allstate per month, Allstate is the cheapest car insurance in Maryland.
Maryland’s average full-coverage rate of $277 per month is more than 50% higher than its liability-only average of $176 per month.
Marylanders pay an average of $226 per month for car insurance.
Heavy traffic, longer commute times, and more frequent crashes contribute to Maryland’s higher-than-average auto insurance rates.
Allstate, USAA, and Direct Auto are the three cheapest insurers in Maryland, according to Compare.com data.
Auto insurance in Maryland is among the most expensive in the country. Maryland’s average rate of $226 per month is more than 60% higher than the national average of $100 per month.
Maryland drivers pay an average of $176 per month for state-minimum coverage and $277 per month for full coverage. Maryland is one of the most densely populated states in the country, ranking sixth in 2025, according to the U.S. Census Bureau.[1]
Check out the table below for the cheapest liability and full-coverage car insurance quotes in Maryland, according to Compare.com data.
Company | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Allstate | $139 | $241 |
| USAA | $142 | $204 |
| Direct Auto | $164 | $275 |
| Safeco | $176 | $222 |
| State Farm | $183 | $262 |
| Elephant | $188 | $266 |
| GEICO | $188 | $278 |
| Clearcover | $192 | $322 |
| Progressive | $201 | $264 |
| Erie | $208 | $297 |
Compare quotes and get the coverage you need at the best price.
Car insurance rates can vary significantly depending on where you live in Maryland. Baltimore has some of the state’s most expensive rates at $311 per month, while Hagerstown has among the cheapest at $123 per month.
Baltimore is more densely populated and has more severe traffic congestion. Baltimore drivers lost an average of 55 hours to congestion in 2024, compared with 23 hours in the Frederick/Hagerstown area.[2] These factors may contribute to Baltimore’s higher rate.
The table below shows average liability and full-coverage rates for different Maryland cities, according to Compare.com data.
City | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Hagerstown | $123 | $196 |
| Frederick | $129 | $199 |
| Annapolis | $146 | $226 |
| Rockville | $154 | $227 |
| Columbia | $159 | $263 |
| Gaithersburg | $159 | $239 |
| Glen Burnie | $175 | $262 |
| Silver Spring | $179 | $269 |
| Laurel | $180 | $272 |
| Upper Marlboro | $188 | $305 |
| Baltimore | $311 | $413 |
Here are some key insights for Maryland drivers, according to our database of thousands of real-life car insurance quotes across the state:
Most Maryland drivers own their vehicles. About 66% of Marylanders own their vehicles outright, 32% have a vehicle lien, and 2% lease. When you own your vehicle, you can choose whether to buy liability coverage or full coverage for your car. Lenders typically require full coverage if you have a loan or lease.
More than 1 in 10 drivers have multiple vehicles. Almost 11% of Maryland drivers insure multiple vehicles, which can qualify for a multi-car discount.
More accidents than tickets. About 5% of drivers have an at-fault accident on their record, compared with 4% with a speeding ticket.
Maryland has fewer drivers with DUIs. About 0.5% of Maryland drivers have a DUI on their record — lower than every bordering state and Washington, D.C., according to our data.
Traffic fatalities over the last five years: Maryland recorded 480 traffic fatalities in 2025, down about 16% from 573 in 2020 and the state’s lowest total since 2014.[3] [4]
Car insurance in Maryland can vary substantially depending on your driving history, which company you choose, and where you live. That’s why it pays to compare quotes before choosing a policy.
The following table breaks down average rates, customer reviews, and other details for some of the best car insurance companies in Maryland.
 |  |  |  |  |
|---|---|---|---|---|
Average Premium $318/mo* | Average Premium $190/mo* | Average Premium $300/mo* | Average Premium $220/mo* | Average Premium $257/mo* |
Overall Rating | Overall Rating | Overall Rating | Overall Rating | Overall Rating |
Value | Value | Value | Value | Value |
Customer Service | Customer Service | Customer Service | Customer Service | Customer Service |
Claims Handling | Claims Handling | Claims Handling | Claims Handling | Claims Handling |
Special Highlight N/AAI-generated from 5 user reviews | Special Highlight N/AAI-generated from 595 user reviews | Special Highlight N/AAI-generated from 98 user reviews | Special Highlight N/AAI-generated from 65 user reviews | Special Highlight N/AAI-generated from 71 user reviews |
Maryland’s car insurance rates are influenced by many factors and can vary from company to company. Your unique driver profile matters as well, so it’s important to shop around and compare rates.
The following companies offer the best car insurance in Maryland based on rate data, actual user reviews we compiled, and available coverages and discounts.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $208/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $297/mo |
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.2 | 2.9 |
Erie earned the highest customer satisfaction score in the Mid-Atlantic region and the highest claims satisfaction score nationwide. It offers competitive full-coverage rates in Maryland and optional coverages such as roadside assistance, pet injury coverage, and Erie Auto Plus. Erie Rate Lock can also help keep rates affordable.
No. 1 in J.D. Power’s Mid-Atlantic customer satisfaction
Reduced usage discount available in Maryland
Higher rates for high-risk drivers in Maryland
Other Maryland insurers may offer cheaper rates
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $139/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $241/mo |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.1 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers some of the lowest liability-only rates in Maryland for drivers who need only state-minimum coverage. Drivers who need full coverage may also want to consider Allstate for its optional coverages like accident forgiveness, deductible rewards, and extended vehicle care coverage.
Cheap liability-only rates in Maryland
Defensive driving discount in Maryland
Below-average J.D. Power customer satisfaction in Mid-Atlantic
Drivewise may raise rates for high-risk Maryland drivers
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $142/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $204/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Maryland is home to more than 500,000 active-duty military members and veterans. These Marylanders typically qualify for USAA membership, which can provide access to its below-average rates. USAA is worth considering for its competitive Maryland rates, particularly for young drivers.
Competitive Maryland rates
Cheap rates for young drivers in Maryland
Requires military affiliation
SafePilot Miles not available in Maryland
Our editorial team, composed of seasoned editors, insurance experts, and licensed agents, analyzed more than 50 of the state’s top insurers to select the best companies for various Maryland drivers. We researched, analyzed, and weighed several categories important to Maryland insurance shoppers, including average rates, local customer satisfaction ratings, coverage options, discount offerings, policy features, and more.
Our goal is to provide actionable advice and detailed, personalized analysis that helps Maryland drivers find the best auto insurance policy for their unique needs.
Like almost all states, Maryland requires liability insurance. Maryland drivers must also have uninsured/underinsured motorist (UM/UIM) coverage. Insurers must offer personal injury protection (PIP), though you can choose limited PIP coverage or waive it in some cases.[5]
Coverage Type | Maryland’s Minimum Requirements |
|---|---|
| Bodily injury liability | $30,000 per person, $60,000 per accident |
| Property damage liability | $15,000 per accident |
| Personal injury protection | $2,500 (can be waived or limited in some cases) |
| Uninsured/underinsured motorist coverage | Must match your liability limits |
Driving without insurance is illegal in Maryland. You could face steep penalties for driving uninsured. The Maryland Motor Vehicle Administration (MVA) charges a $200 uninsured penalty fee for the first 30 days, then $7 per day thereafter, up to $3,500 per year.
Several factors can have a major effect on what Maryland drivers pay for car insurance. The following strategies can help you lower your car insurance premiums.
Driving record: Drivers with accidents and moving violations typically pay higher rates than those with a clean driving record. Maryland drivers pay more than the national average overall, with average monthly premiums nearly 60% higher and rates after a speeding ticket about 45% higher, according to Compare.com data. Maryland insurers may consider your driving history from the past three years.
Location: Where you garage your vehicle can affect your Maryland car insurance rates. Insurers weigh location differently, so premiums can vary significantly from one company to another, according to the Maryland Insurance Administration (MIA). Drivers who live in areas with frequent claims usually pay higher rates.
Age and gender: Young drivers, especially males, usually pay higher rates.[6] Maryland crash data show that young drivers lack experience and face greater crash risks, particularly young men.
Vehicle: Insurers consider your vehicle’s value, claims history, safety features, and repair costs when setting rates. More expensive vehicles or those with higher theft, accident, or repair claims can cost more to insure.
Maryland drivers can often lower their rates by comparing insurers or adjusting their habits. Here’s how:
Compare insurers. Rates can vary significantly between companies. For example, GEICO tends to offer lower rates in Maryland than Progressive, according to our data. Compare rates regularly to ensure you’re getting the best deal.
Improve your credit. Maryland’s average credit score is 714, which falls in the good range.[7] Maryland drivers with poor credit could save about 22% by improving their credit.
Keep a clean record: Many insurers consider people with accidents and violations high-risk drivers. On average, Maryland drivers with an at-fault accident pay around 24% higher rates than clean-record drivers.
Complete a defensive driving course. Maryland drivers 55 and older who complete a state-approved accident prevention course may qualify for an insurance discount.[8]
Get quotes from top insurers in Maryland and save money in minutes.
These Maryland car insurance resources can help you understand insurance requirements, compare coverage, resolve disputes, and find answers to common driving questions.
Maryland Insurance Administration (MIA): Find information about Maryland auto insurance requirements, compare sample rates, access consumer resources, and file an insurance complaint.
Maryland Motor Vehicle Administration (MVA): Find information about insurance compliance, vehicle registration, driver’s licenses, and penalties for driving without insurance.
Maryland Attorney General — Consumer Protection Division: Access consumer protection resources and learn how to file a complaint about a business or other consumer issue.
Maryland Insurance Statutes: Review Maryland’s current insurance laws and legislation that could affect drivers and auto insurance.
With higher-than-average rates, finding cheap Maryland car insurance can be difficult. Here are answers to common questions to help you find the best deal.
Allstate offers the cheapest car insurance in Maryland, with average monthly rates of $139, according to Compare.com data. The cheapest company for you depends on factors like your age, driving record, coverage needs, vehicle, and ZIP code.
The lowest price for auto insurance in Maryland is Allstate per month, according to Compare.com data. But rates can vary widely by insurer. Comparing quotes for your driver profile and coverage needs can help you find your lowest price.
It depends on your age and driving history. The average in Maryland is $226 per month for auto insurance, so $300 isn’t necessarily too high. Teens, drivers with poor credit, and high-risk drivers can pay considerably more.
No. Maryland is an at-fault state, meaning the driver responsible for an accident generally pays for the damage they cause. Maryland requires drivers to have no-fault personal injury protection (PIP) coverage, but you can limit or waive it in writing.
Yes, Maryland allows insurers to use your credit history to determine premiums. But companies can’t raise renewal rates if your credit has gone down. Maryland also caps credit-history surcharges at 40%.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
David Marlett is a Professor of Risk Management in the Department of Finance, Banking and Insurance at Appalachian State University. In his role, he serves as Managing Director of the university’s Brantley Risk & Insurance Center and holds the IIANC Distinguished Professorship. He also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
