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Among Maryland's most affordable car insurance providers are USAA, CSAA, and GEICO.
Full-coverage car insurance in Maryland averages $325 per month. The national average sits at $186. Your actual premium depends on multiple factors, including age, driving history, and where you live. Getting quotes from several insurance companies remains the most effective way to determine your personal rate.
The following breakdown examines Maryland's cheapest car insurance by coverage type, driver characteristics, and company.
Affordable full-coverage car insurance in Maryland
Full-coverage insurance averages $325 monthly in Maryland, compared to the national average of $186. USAA, CSAA, and GEICO rank among the state's cheapest car insurance providers.
| Average monthly full coverage cost | |
| Maryland average | $325 |
| National average | $186 |
| USAA | $236 |
| CSAA | $212 |
| GEICO | $281 |
| State Farm | $303 |
Affordable liability-only car insurance in Maryland
CSAA, USAA, and Progressive stand out as most affordable liability car insurance providers in Maryland.
Liability-only coverage in Maryland costs an average of $215 monthly. Nationally, this coverage type averages $104 per month.
| Average monthly liability-only cost | |
| Maryland average | $215 |
| National average | $104 |
| CSAA | $147 |
| USAA | $181 |
| Progressive | $217 |
| Safeco | $201 |
Cheap car insurance in Maryland by age
Age significantly impacts insurance costs. Car insurance for teens carries the highest premiums, averaging $489 monthly in Maryland because of limited driving experience.
Drivers in their 20s see rates drop to around $405 per month. This downward trend continues for those in their 30s and 40s, with monthly costs averaging $350 and $326, respectively.
Rates may climb again for drivers over 60. Maryland seniors pay approximately $280 monthly in their 60s and $276 in their 70s.
These age-related premium changes stem from varying risk levels across different age brackets. Younger drivers face higher rates due to inexperience, while older drivers sometimes encounter increased costs related to health factors and driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $489 | $323 |
| 20s | $405 | $267 |
| 30s | $350 | $231 |
| 40s | $326 | $215 |
| 50s | $294 | $194 |
| 60s | $280 | $185 |
| 70s | $276 | $182 |
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Cheap car insurance in Maryland for high-risk drivers
Drivers with bad driving records may face higher premiums. The following shows average Maryland costs for drivers with accidents, speeding tickets, and DUIs.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $392 | $259 |
| Speeding ticket | $382 | $253 |
| DUI | $523 | $345 |
Compare low-cost car insurance after an accident
USAA, CSAA, and GEICO provide affordable Maryland coverage for drivers with accident histories. Full-coverage premiums for these drivers average $392 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $296 | $227 |
| CSAA | $281 | $196 |
| GEICO | $338 | $260 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Maryland drivers with speeding tickets find competitive rates from USAA, CSAA, and GEICO. Full coverage for these drivers averages $382 per month.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $290 | $223 |
| CSAA | $254 | $177 |
| GEICO | $353 | $272 |
Compare low-cost car insurance after DUI conviction
Maryland drivers with DUI convictions can access affordable full coverage through USAA, CSAA, and GEICO. Full coverage averages $523 for drivers with this violation.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $361 | $277 |
| CSAA | $324 | $225 |
| GEICO | $417 | $321 |
Cheap car insurance in Maryland by credit score
Maryland drivers with excellent credit average $280 monthly. Those with poor credit face significantly higher costs, starting at $406 per month.
This rate gap demonstrates how credit scores influence insurance pricing. Poor credit typically leads to elevated premiums based on perceived payment risk.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $280 | $185 |
| Good | $321 | $212 |
| Average | $340 | $225 |
| Poor | $406 | $268 |
FAQs
Why is car insurance more expensive in Maryland than the national average?
Maryland's car insurance costs rank among the highest in the nation, primarily due to the state's robust minimum coverage requirements. Unlike many states that only mandate basic liability coverage, Maryland requires drivers to carry uninsured and underinsured motorist coverage, pushing baseline costs higher.
Additionally, urban areas like Baltimore experience elevated rates due to dense traffic patterns, higher accident frequencies, and increased vehicle theft rates compared to rural Maryland counties.
What is the Maryland Automobile Insurance Fund and who needs it?
The Maryland Automobile Insurance Fund is a state-run program that provides coverage to drivers who have been rejected by at least two private insurance companies in the voluntary market. This program serves high-risk drivers who struggle to obtain standard coverage due to poor driving records.
While MAIF rates are typically higher than standard market rates, it ensures all Maryland drivers can meet the state's legal requirements for operating a vehicle.
How does living in Baltimore affect my car insurance rates compared to rural Maryland?
Baltimore drivers face significantly higher insurance premiums than those in rural Maryland areas. This substantial difference reflects Baltimore's higher population density, increased traffic congestion, elevated vehicle theft rates, and greater frequency of accidents compared to less populated regions.
Rural communities like Eckhart Mines near Frostburg State University offer some of Maryland's lowest rates due to reduced traffic and lower claim frequencies.
Can I waive personal injury protection coverage in Maryland?
While Maryland insurance companies must offer at least $2,500 in personal injury protection coverage with every policy, drivers can choose to waive this coverage under certain conditions. However, declining PIP coverage means forfeiting benefits that standard health insurance typically doesn't provide, such as coverage for lost wages and essential services if you're unable to work following an accident.
Because PIP covers medical expenses regardless of who caused the accident, most insurance experts recommend maintaining this coverage despite the option to waive it.
Bottom line
These companies represent Maryland's cheapest options overall, but that doesn't guarantee they'll offer you the lowest rate. The most reliable approach involves obtaining quotes from multiple insurance providers and comparing both price and service quality.
Data throughout provided by Insurify.
Average rate:
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