Best Car Insurance in Maryland for 2025

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.

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Key takeaways

Some of the cheapest insurance in Maryland is USAA, which generally costs $201 per month for full coverage.
Drivers with a clean driving record pay an average of $341 monthly for full coverage insurance in Maryland.
High-risk drivers in Maryland will likely pay $384 per month for full coverage insurance.

Best car insurance companies in Maryland

Drivers in the Old Line State will pay an average of $341 per month for full coverage car insurance. While USAA generally has the most affordable prices, averaging about $201 per monthfor full coverage and $158 for minimum coverage, it's only available to qualifying members of the military and their families.

Provider	J.D. Power customer satisfaction rating	Estimated monthly full coverage	Estimated monthly minimum liability coverage
USAA	877/1,000	$201	$158
Erie	863/1,000	$293	$231
State Farm	843/1,000	$258	$203
Nationwide	820/1,000	$530	$417
GEICO	818/1,000	$243	$194
Progressive	814/1,000	$275	$186

USAA: Highest customer satisfaction

USAA earned the highest customer satisfaction rating in Maryland, 877 out of 1,000. It also has some of 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.

Pros

USAA has the most affordable coverage in Maryland
It has multiple discounts, including lowering your premium by 10% for bundling policies

Cons

USAA policies are not available to the general public
Some competitors have more coverage and discount options

Get a quote now | USAA review

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Erie: Best budget pick

Erie Insurance costs $231 monthly for minimum insurance in Maryland. 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.

Pros

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

Cons

Erie doesn't have as many discounts as some competitors
You may find cheaper full-coverage insurance with another carrier

Get a quote now | Erie review

State Farm: Most affordable coverage

State Farm had some of the most affordable full coverage available to everyone in Maryland, averaging $258 per month. 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.

Pros

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

Cons

State Farm doesn't have some specialty coverages like gap insurance
Its minimum car insurance pricing was higher than that of other carriers

Get a quote now | State Farm review

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Nationwide: Best for coverage options

Nationwide is among the most expensive carriers in Maryland. It costs $530 per month 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.

Pros

Nationwide has popular coverage options, including accident forgiveness and vanishing deductibles
It offers perks to drivers, including pet insurance and key fob replacement

Cons

Nationwide had some of the most expensive full and minimum coverage in Maryland
It had a below-average customer satisfaction rating

Get a quote now | Nationwide review

Progressive: Best for high-risk drivers

High-risk drivers in Maryland pay an average of $384 per month for full coverage, compared to the state average of $341. 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.

Pros

Progressive offers multiple policy options, including rideshare and accident forgiveness
It offers multiple discount options, including 9% off for signing policy documents online

Cons

Progressive's full and minimum coverages are among the most expensive in Maryland
It had one of the lowest customer satisfaction ratings in Maryland

Get a quote now | Progressive review

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 $341 per month for full coverage and $219 for minimum coverage. Baltimore drivers generally pay the most for car insurance in Maryland, an average of $461 per month.

Maryland car insurance rates by city

The amount you pay for car insurance can be affected by multiple factors, including where you live.

City	Avg. monthly full coverage premium
Baltimore	$461
Columbia	$317
Frederick	$258
Glen Burnie	$320
Silver Spring	$340

Methodology

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 $341 per month for full coverage and $219 for minimum coverage, compared to the national average of $193 for full coverage and $106 for minimum per month.