From Ocean City Boardwalk to the U.S. Naval Academy and NASA Visitor Center, Maryland has much to offer residents who want to explore by car. Before you head out, however, consider that Maryland has one of the highest costs of living in the U.S., and those higher prices extend to car insurance.
- Key takeaways
- Best car insurance companies in Maryland
- USAA: Highest customer satisfaction
- Erie: Best budget pick
- State Farm: Most affordable coverage
- Nationwide: Best for coverage options
- Progressive: Best for high-risk drivers
- Maryland auto insurance requirements
- How to choose a car insurance provider in Maryland
- How much does car insurance cost in Maryland?
- Maryland car insurance rates by city
- FAQs about car insurance costs in Maryland
- The best car insurance in Maryland is USAA, which generally costs $973 per year for comprehensive coverage.
- Drivers with a clean driving record pay an average of $143 monthly for full coverage insurance in Maryland.
- High-risk drivers in Maryland will likely pay $2,543 a year for full coverage insurance.
Best car insurance companies in Maryland
Drivers in the Old Line State will pay an average of $1,717 a year for full coverage car insurance. While USAA generally has the most affordable prices, averaging about $973 annually for full coverage and $528 for minimum coverage, it’s only available to some.
State Farm was the next most affordable option for full coverage at $1,451 a year, and Erie Insurance had the most affordable minimum car insurance at $865 per year.
|Provider||J.D. Power customer satisfaction rating||Estimated annual full coverage||Estimated annual minimum liability coverage|
USAA: Highest customer satisfaction
USAA earned the highest customer satisfaction rating in Maryland, 877 out of 1,000. It also has the most affordable full and minimum coverage in the state, but only current and former military members and their families qualify for their policies. If you are eligible, USAA offers a general mix of standard and specialty policies, though you may find more options with a competitor.
- USAA has the most affordable coverage in Maryland
- It has multiple discounts, including lowering your premium by 10% for bundling policies
- USAA policies are not available to the general public
- Some competitors have more coverage and discount options
Erie: Best budget pick
Erie Insurance costs $865 annually for minimum insurance in Maryland, and is the most affordable minimum coverage carrier after USAA. Erie also had the second-highest customer satisfaction ranking on our list of the best car insurance. It has multiple policies and features, including auto glass repair and locksmith services.
- It has multiple agents in Maryland, though most are south of Baltimore
- Erie’s specialty options include pet and personal item coverage after an accident
- Erie doesn’t have as many discounts as some competitors
- You may find cheaper full-coverage insurance with another carrier
State Farm: Most affordable coverage
State Farm had the most affordable full annual coverage available to everyone in Maryland, averaging $1,451 a year. State Farm also had a relatively high customer satisfaction rating, earning 843 out of 1,000. Although you might find more specialty options at a competitor, State Farm offers many policies, including specific options for young drivers.
- It has multiple discounts and will lower your premium if you’re accident-free for three years or more
- There are multiple State Farm offices in Maryland
- State Farm doesn’t have some specialty coverages like gap insurance
- Its minimum car insurance pricing was higher than that of other carriers
Nationwide: Best for coverage options
Nationwide is the most expensive carrier in Maryland. It costs $1,848 yearly for full coverage, almost twice the lowest full coverage option from USAA. Minimum car insurance prices from Nationwide were more than double USAA as well. Even though it’s more expensive, its coverage options and perks could make it worth looking at.
- Nationwide has popular coverage options, including accident forgiveness and vanishing deductibles
- It offers perks to drivers, including pet insurance and key fob replacement
- Nationwide had the most expensive full and minimum coverage in Maryland
- It had a below-average customer satisfaction rating
Progressive: Best for high-risk drivers
High-risk drivers in Maryland pay an average of $2,543 annually for full coverage, compared to the state average of $1,717. People convicted of a DUI, speeding tickets, or at-fault accidents may find Progressive’s coverage helpful since it can file SR22 forms with the required state office on your behalf.
- Progressive offers multiple policy options, including rideshare and accident forgiveness
- It offers multiple discount options, including 9% off for signing policy documents online
- Progressive’s full and minimum coverages are the second most expensive in Maryland
- It had one of the lowest customer satisfaction ratings in Maryland
Maryland auto insurance requirements
Most states require that drivers carry a minimum amount of car insurance. In Maryland, drivers must have at least:
- $30,000 for bodily injury liability
- $60,000 in bodily liability for two or more people injured in a car accident
- $15,000 in property damage insurance
How to choose a car insurance provider in Maryland
If you need a new car insurance provider or want to make sure you’re getting the best deal, keep the following in mind:
- Check pricing and discounts: Get quotes from at least three companies and ensure the policy amounts and coverage options are similar for an accurate comparison. You should also double-check that you’re getting all the discounts you qualify for.
- Check financial stability: Before starting a policy, check the company’s financial stability on a website like Standard & Poor’s or AM Best. It’s also wise to check with the Maryland Insurance Administration or the National Association of Insurance Commissioners (NAIC) to confirm a company is licensed to do business in Maryland.
- Ask for reviews: Ask friends and family for recommendations and check review websites like the Better Business Bureau to see what existing customers say.
How much does car insurance cost in Maryland?
The average cost of car insurance in Maryland is $1,717 a year for full coverage and $1,106 for minimum coverage. Baltimore drivers generally pay the most for car insurance in Maryland, an average of $2,717 annually. Interestingly, drivers in the state capital, Annapolis, pay the least for full coverage car insurance, an average of $1,601 a year.
Maryland car insurance rates by city
The amount you pay for car insurance can be affected by multiple factors, including where you live. Drivers in Bowie, about an hour outside of Washington, D.C., spend an average of $2,257 for car insurance. According to NeightborhoodScout, the median household income in Bowie is $127,029. While insurers don’t look specifically at what you earn when determining your insurance rates, your zip code can affect how much you pay.
|City||Avg. annual full-coverage premium|
Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.
FAQs about car insurance costs in Maryland
What are the minimum car insurance coverage requirements in Maryland?
The minimum car insurance coverage requirements in Maryland are $30,000 for bodily injury coverage and $60,000 in bodily injury coverage for two or more people. Drivers must also carry $15,000 in property damage insurance.
How much does car insurance cost in Maryland?
Car insurance in Maryland costs an average of $1,717 annually for full coverage and $1,106 for minimum coverage.
Which car insurance companies cover Maryland?
Multiple car insurance companies cover Maryland, including State Farm, USAA, GEICO, Nationwide, and regional carrier Erie Insurance.
What is the cheapest car insurance company in Maryland?
The cheapest car insurance in Maryland is USAA, costing an average of $973 a year for full coverage and $528 for minimum coverage. State Farm was the second most affordable option, costing an average of $1,451 a year for full coverage.