Finding cheap car insurance in Maryland is not simple. But, it is an essential expense for securing one of your most important assets. You cannot curtail that expenditure because the underlying asset is too costly to be left uninsured. And you can also not do without a car nowadays, for reasons such as pollution, traffic, facilities, age, lifestyle, etc.
You can know the insurance costs in your area to be prepared for the premium payments. You can do this by comparing the rates and policies of insurers in Maryland. For residents in specific areas, obtaining auto insurance quotes in Parkville, MD, can provide a clearer picture of potential rates and help in finding the most suitable coverage. Beem will help you compare car insurance rates from different providers to ensure you get the best deal for your needs. Get up to 40% off on your car insurance with Beem. Get up to 40% off on your car insurance with Beem.
What is the Cheapest Car Insurance in Maryland?
According to a recent analysis of car insurance in Maryland, the cheapest full-coverage car insurance costs $120 monthly. This comes to $1,442 a year, offered by Penn National in Maryland, also the national average. So, you already know where to get cheap car insurance in Maryland at the very beginning of the blog.
But then, why is the average full coverage car insurance in Maryland found to be $246 per month, approximately $3,000 a year? Also, why are there cheaper options to the tune of $657 a year for minimum coverage, as Geico offers? What are the distinguishing features among the various policy offerings, and how do you choose the right one for yourself? Let’s find out!
How Do We Choose the Cheapest Companies in Maryland?
Factors affecting car insurance in Maryland range from age, marital status, and driving record to mileage and coverage level.
Factors and the extent to which these affect car insurance
| Factor | Impact |
| Age | 19-year-olds pay 360% more than the 55-year-olds |
| Marital Status | Married drivers pay 4% less than single drivers |
| Mileage | 20k miles per year cost 6% more than 7.5k miles per year |
| Coverage | Full coverage costs 125% more than the minimum coverage |
| Driving Record | Depending on the specific reason, the costs range from 1% (incase of SR-22) to 76% (suspended license) |
Here is an at-par comparison of cheap car insurance in Maryland for different Good Driver profiles.
| Category | All Profile Characteristics | Good Driver Profile |
| Gender | Male, Female | Male |
| Age | 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 | 45 |
| Marital Status | Single, Married | Single |
| Teenage Driver Included on Policy | No, Yes | No |
| Driving Record | Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident | Clean |
| Miles Driven Per Year | 7,500 Miles, 15,000 Miles, 20,000 Miles | 15,000 Miles |
| Coverage Level | Minimum, Standard, Full | Minimum |
| Discounts | None, Multi-Policy, Homeowner, Student | None |
| Credit Level | Poor, Good | Good |
| Filings | None, SR22, FR44 | None |
| Car | Sedan, Minivan, SUV, Coupe, Truck | Sedan |
Cheap Car Insurance in Maryland
Opting for cheap car insurance in Maryland is not about paying the lowest possible premiums. It is about knowing how these insurance policies are formulated and finding the best fit for your needs. If you’re a veteran or from a family of veterans, you might as well grab a minimum coverage policy from USA at $32 a month. Before jumping to conclusions, let’s first understand the parameters for identifying the auto insurance policy. It will help keep your automobile up and running efficiently throughout its life.
Full coverage auto insurance includes liability insurance along with comprehensive and collision coverage, which pays for damage to your own vehicle. You already know about cheap car insurance in Maryland with full coverage. But these do not stay constant throughout the car’s life. These vary depending upon the occurrences of accidents the tickets raised on the vehicle, and even the reasons for those tickets. For example, Geico offers cheap car insurance in Maryland for drivers with poor credit ratings. It needs to be noted that Maryland drivers pay, on average, 65% more for having a poor credit rating. Poor credit has nothing to do with driver safety. But, it has been found that they tend to file more claims.
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Cheap car insurance in Maryland for drivers with poor credit
| Company | Monthly Premium (in $) |
| Geico | 165 |
| Progressive | 196 |
| State Farm | 238 |
| Travelers | 251 |
| Erie | 300 |
| Allstate | 301 |
| Nationwide | 319 |
Then some drivers have been given a ticket for driving under the influence (DUI). After a DUI citation, the premiums increase by up to 67%.
Cheap car insurance in Maryland after DUI
| Company | Monthly Premium (in $) |
| Erie | 151 |
| Geico | 165 |
| Progressive | 177 |
| Travelers | 200 |
| Allstate | 226 |
Drivers who have been met with an at-fault accident are categorized for unsafe driving, ramping up the insurance expense for them. Auto insurance with Beem covers damage to your vehicle and other passengers’ vehicles with the best deals, including up to 40% off on your coverage.
Best cheap car insurance in Maryland after an accident
| Company | Monthly Premium (in $) |
| State Farm | 136 |
| Travelers | 190 |
| Erie | 191 |
| Progressive | 199 |
| Geico | 201 |
A speeding ticket does not increase the insurance by much (merely 10%. it certainly is an indication of the driver being irresponsible and non-compliant with road rules.
Cheapest car insurance quotes after a speeding ticket
| Company | Monthly Premium (in $) |
| State Farm | 120 |
| Geico | 149 |
| Erie | 151 |
| Progressive | 163 |
| Travelers | 171 |
Maryland Rates for Teen Drivers
The insurance rates also vary for teenagers depending on various factors, like accidents and speeding tickets. But generally, the best rates for teenage drivers in Maryland are still higher than the adult drivers.
Cheapest car insurance for young drivers in Maryland (in $ per month)
| Company | Liability only | Full Coverage |
| Erie | 155 | 310 |
| State Farm | 183 | 344 |
| Geico | 193 | 441 |
| Travelers | 196 | 357 |
| Progressive | 201 | 378 |
Insurance rates also vary across genders for teens (in $ annually)
| Company | Female | Male |
| Erie | 2,924 | 3,980 |
| Nationwide | 5,388 | 7,033 |
| Progressive | 5,655 | 6,234 |
| State Farm | 4,459 | 5,611 |
| Travelers | 4,019 | 4,951 |
| USAA | 2,595 | 3,059 |
| State-wide Average | 4,174 | 5,145 |
Cheapest for 20-year-old Drivers
Car insurance is mandatory in almost every state, including Maryland. If you choose the legal minimum coverage level in Maryland, expect to pay an average of $655 annually. This expenditure is more expensive than the nationwide average by 22%.
Progressive has the cheapest minimum coverage auto policies in Maryland at $620 per year, followed by Nationwide at $704 per year. Costing an average of $1,360 per year.
Cheapest full coverage car insurance in Maryland for 20-year-olds
A full coverage policy, including comprehensive and collision damage, is needed to cover damage to your vehicle.
| Company | Annual Premium | Monthly Premium |
| Progressive | $1,328 | $111 |
| Nationwide | $1,309 | $109 |
| Travelers | $1,590 | $133 |
| GEICO | $1,589 | $132 |
| Kemper | $1,960 | $163 |
| State Farm | $2,020 | $168 |
| Erie | $1,807 | $151 |
| Allstate | $2,052 | $171 |
Cheapest minimum coverage car insurance in Maryland for 20-year-olds
The scope of a minimum coverage policy is only to cover damage and injury caused to others.
| Company | Annual Premium | Monthly Premium |
| Progressive | $647 | $54 |
| Nationwide | $856 | $71 |
| Travelers | $885 | $74 |
| GEICO | $947 | $79 |
| Kemper | $955 | $80 |
| State Farm | $1,014 | $84 |
| Erie | $1,033 | $86 |
| Allstate | $1,321 | $110 |
Cheapest auto insurance in Maryland for 20-year-olds with poor credit
In Maryland, the following companies offer the lowest auto insurance rates for drivers with poor credit scores (below 580):
- Nationwide: $1,350 per year
- Progressive: $1,498 per year
On average, State Farm offers the highest car insurance rates for drivers with poor credit at $3,414 a year. Full coverage car insurance in Maryland for drivers with poor credit costs an average of $950 more than for drivers with good credit scores (above 750).
| Company | Annual Premium | Monthly Premium |
| Nationwide | $1,812 | $151 |
| Progressive | $1,851 | $154 |
| GEICO | $2,656 | $221 |
| Allstate | $2,695 | $225 |
| Travelers | $3,021 | $252 |
| Kemper | $3,092 | $258 |
| Erie | $4,161 | $347 |
| State Farm | $4,310 | $359 |
Cheapest auto insurance in Maryland for 20-year-olds with one speeding ticket
| Company | Annual Premium | Monthly Premium |
| Progressive | $1,564 | $130 |
| Nationwide | $1,803 | $150 |
| GEICO | $1,855 | $155 |
| Travelers | $2,065 | $172 |
| Erie | $2,089 | $174 |
| State Farm | $2,219 | $185 |
| Allstate | $2,356 | $196 |
| Kemper | $2,739 | $228 |
Cheapest auto insurance in Maryland for 20-year-olds with one at-fault crash
You can find affordable full coverage car insurance from these companies in Maryland if you are at fault in an accident:
- Progressive: $1,638 per year
- Nationwide: $1,713 per year
With an annual premium of approximately $3,301, Kemper is the most expensive auto insurance company in Maryland for drivers who are at fault for accidents. Getting into a car accident in Maryland and being at fault can result in an increase of $715 in your annual premium.
| Company | Annual Premium | Monthly Premium |
| Progressive | $1,926 | $161 |
| Travelers | $2,157 | $180 |
| Nationwide | $2,222 | $185 |
| GEICO | $2,311 | $193 |
| State Farm | $2,516 | $210 |
| Erie | $2,640 | $220 |
| Allstate | $2,916 | $243 |
| Kemper | $3,980 | $332 |
Cheapest auto insurance in Maryland for 20-year-olds after a DUI
| Company | Annual Premium | Monthly Premium |
| Progressive | $1,702 | $142 |
| Erie | $2,089 | $174 |
| Allstate | $2,111 | $176 |
| GEICO | $2,165 | $180 |
| State Farm | $2,219 | $185 |
| Travelers | $2,399 | $200 |
| Nationwide | $2,653 | $221 |
| Kemper | $5,380 | $448 |
Cheapest for 30-year-old drivers
Based on several factors ranging from your driving history, the type of vehicle you drive, your location within Maryland, coverage options, and more insurance rates can vary widely, including. Insurance companies typically determine insurance rates based on their own underwriting criteria.
Cheapest full coverage car insurance in Maryland for 30-year-olds
| Company | Annual Premium | Monthly Premium |
| Nationwide | $1,088 | $91 |
| GEICO | $1,211 | $101 |
| Progressive | $1,294 | $108 |
| Travelers | $1,335 | $111 |
| Erie | $1,369 | $114 |
| State Farm | $1,614 | $134 |
| Kemper | $1,677 | $140 |
| Allstate | $2,040 | $170 |
Cheapest minimum coverage car insurance in Maryland for 30-year-olds
| Company | Annual Premium | Monthly Premium |
| Progressive | $620 | $52 |
| Nationwide | $704 | $59 |
| GEICO | $725 | $60 |
| Travelers | $765 | $64 |
| Erie | $788 | $66 |
| State Farm | $851 | $71 |
| Kemper | $904 | $75 |
| Allstate | $1,360 | $113 |
Cheapest auto insurance in Maryland for 30-year-olds with poor credit
| Company | Annual Premium | Monthly Premium |
| Nationwide | $1,350 | $113 |
| Progressive | $1,498 | $125 |
| GEICO | $1,920 | $160 |
| Allstate | $2,604 | $217 |
| Travelers | $2,615 | $218 |
| Kemper | $2,642 | $220 |
| Erie | $3,187 | $266 |
| State Farm | $3,414 | $284 |
Cheapest auto insurance in Maryland for 30-year-olds with one speeding ticket
| Company | Annual Premium | Monthly Premium |
| Progressive | $1,316 | $110 |
| Nationwide | $1,385 | $115 |
| GEICO | $1,413 | $118 |
| Erie | $1,577 | $131 |
| State Farm | $1,768 | $147 |
| Travelers | $1,931 | $161 |
| Allstate | $2,276 | $190 |
| Kemper | $2,303 | $192 |
Cheapest auto insurance in Maryland for 30-year-olds with one at-fault crash
| Company | Annual Premium | Monthly Premium |
| Progressive | $1,638 | $137 |
| Nationwide | $1,713 | $143 |
| GEICO | $1,893 | $158 |
| Erie | $1,980 | $165 |
| State Farm | $2,000 | $167 |
| Travelers | $2,017 | $168 |
| Allstate | $2,811 | $234 |
| Kemper | $3,301 | $275 |
Cheapest auto insurance in Maryland for 30-year-olds after a DUI
| Company | Annual Premium | Monthly Premium |
| Progressive | $1,453 | $121 |
| GEICO | $1,566 | $131 |
| Erie | $1,577 | $131 |
| State Farm | $1,768 | $147 |
| Allstate | $2,047 | $171 |
| Nationwide | $2,099 | $175 |
| Travelers | $2,243 | $187 |
| Kemper | $4,491 | $374 |
Cheapest for 40-year-old drivers
While searching for the cheapest car insurance, consider both cost and coverage quality to ensure you have adequate protection. Insurance companies may offer various discounts and coverage options. So, finding a balance that suits your budget and needs is crucial.
Cheapest full coverage car insurance in Maryland for 40-year-olds
The insurance rates for full coverage remain consistent for drivers aged 30 to 60 years.
| Company | Annual Premium | Monthly Premium |
| Nationwide | $1,088 | $91 |
| GEICO | $1,211 | $101 |
| Progressive | $1,294 | $108 |
| Travelers | $1,335 | $111 |
| Erie | $1,369 | $114 |
| State Farm | $1,614 | $134 |
| Kemper | $1,677 | $140 |
| Allstate | $2,040 | $170 |
Cheapest minimum coverage car insurance in Maryland for 40-year-olds
| Company | Annual Premium | Monthly Premium |
| Progressive | $620 | $52 |
| Nationwide | $704 | $59 |
| GEICO | $725 | $60 |
| Travelers | $765 | $64 |
| Erie | $788 | $66 |
| State Farm | $851 | $71 |
| Kemper | $904 | $75 |
| Allstate | $1,360 | $113 |
Cheapest auto insurance in Maryland for 40-year-olds with poor credit
The insurance rates for full coverage remain consistent for drivers with poor credit aged 30 to 60 years.
| Company | Annual Premium | Monthly Premium |
| Nationwide | $1,350 | $113 |
| Progressive | $1,498 | $125 |
| GEICO | $1,920 | $160 |
| Allstate | $2,604 | $217 |
| Travelers | $2,615 | $218 |
| Kemper | $2,642 | $220 |
| Erie | $3,187 | $266 |
| State Farm | $3,414 | $284 |
Cheapest auto insurance in Maryland for 40-year-olds with one speeding ticket
The insurance rates for full coverage remain consistent for drivers with one speeding ticket aged 30 to 60 years.
| Company | Annual Premium | Monthly Premium |
| Progressive | $1,316 | $110 |
| Nationwide | $1,385 | $115 |
| GEICO | $1,413 | $118 |
| Erie | $1,577 | $131 |
| State Farm | $1,768 | $147 |
| Travelers | $1,931 | $161 |
| Allstate | $2,276 | $190 |
| Kemper | $2,303 | $192 |
Cheapest auto insurance in Maryland for 40-year-olds with one at-fault crash
The insurance rates for full coverage remain consistent for drivers with one at-fault crash aged 30 to 60 years.
| Company | Annual Premium | Monthly Premium |
| Progressive | $1,638 | $137 |
| Nationwide | $1,713 | $143 |
| GEICO | $1,893 | $158 |
| Erie | $1,980 | $165 |
| State Farm | $2,000 | $167 |
| Travelers | $2,017 | $168 |
| Allstate | $2,811 | $234 |
| Kemper | $3,301 | $275 |
Cheapest auto insurance in Maryland for 40-year-olds after a DUI
The insurance rates for full coverage remain consistent for drivers after a DUI aged 30 to 60 years.
| Company | Annual Premium | Monthly Premium |
| Progressive | $1,453 | $121 |
| GEICO | $1,566 | $131 |
| Erie | $1,577 | $131 |
| State Farm | $1,768 | $147 |
| Allstate | $2,047 | $171 |
| Nationwide | $2,099 | $175 |
| Travelers | $2,243 | $187 |
| Kemper | $4,491 | $374 |
Cheapest for 50-year-old drivers
For drivers aged 50 years, it is advisable to work with an independent insurance agent is often beneficial. They are positioned to provide expert advice on finding the most suitable policy.
Cheapest full coverage car insurance in Maryland for 50-year-olds
The insurance rates for full coverage remain consistent for drivers aged 30 to 60 years.
| Company | Annual Premium | Monthly Premium |
| Nationwide | $1,088 | $91 |
| GEICO | $1,211 | $101 |
| Progressive | $1,294 | $108 |
| Travelers | $1,335 | $111 |
| Erie | $1,369 | $114 |
| State Farm | $1,614 | $134 |
| Kemper | $1,677 | $140 |
| Allstate | $2,040 | $170 |
Cheapest minimum coverage car insurance in Maryland for 50-year-olds
| Company | Annual Premium | Monthly Premium |
| Progressive | $620 | $52 |
| Nationwide | $704 | $59 |
| GEICO | $725 | $60 |
| Travelers | $765 | $64 |
| Erie | $788 | $66 |
| State Farm | $851 | $71 |
| Kemper | $904 | $75 |
| Allstate | $1,360 | $113 |
Cheapest auto insurance in Maryland for 50-year-olds with poor credit
The insurance rates for full coverage remain consistent for drivers with poor credit aged 30 to 60 years.
| Company | Annual Premium | Monthly Premium |
| Nationwide | $1,350 | $113 |
| Progressive | $1,498 | $125 |
| GEICO | $1,920 | $160 |
| Allstate | $2,604 | $217 |
| Travelers | $2,615 | $218 |
| Kemper | $2,642 | $220 |
| Erie | $3,187 | $266 |
| State Farm | $3,414 | $284 |
Cheapest auto insurance in Maryland for 50-year-olds with one speeding ticket
The insurance rates for full coverage remain consistent for drivers with one speeding ticket aged 30 to 60 years.
| Company | Annual Premium | Monthly Premium |
| Progressive | $1,316 | $110 |
| Nationwide | $1,385 | $115 |
| GEICO | $1,413 | $118 |
| Erie | $1,577 | $131 |
| State Farm | $1,768 | $147 |
| Travelers | $1,931 | $161 |
| Allstate | $2,276 | $190 |
| Kemper | $2,303 | $192 |
Cheapest auto insurance in Maryland for 50-year-olds with one at-fault crash
The insurance rates for full coverage remain consistent for drivers with one at-fault crash aged 30 to 60 years.
| Company | Annual Premium | Monthly Premium |
| Progressive | $1,638 | $137 |
| Nationwide | $1,713 | $143 |
| GEICO | $1,893 | $158 |
| Erie | $1,980 | $165 |
| State Farm | $2,000 | $167 |
| Travelers | $2,017 | $168 |
| Allstate | $2,811 | $234 |
| Kemper | $3,301 | $275 |
Cheapest auto insurance in Maryland for 50-year-olds after a DUI
The insurance rates for full coverage remain consistent for drivers after a DUI aged 30 to 60 years.
| Company | Annual Premium | Monthly Premium |
| Progressive | $1,453 | $121 |
| GEICO | $1,566 | $131 |
| Erie | $1,577 | $131 |
| State Farm | $1,768 | $147 |
| Allstate | $2,047 | $171 |
| Nationwide | $2,099 | $175 |
| Travelers | $2,243 | $187 |
| Kemper | $4,491 | $374 |
Cheapest for 60-year-old drivers
With drivers older than 60 years, the risk of accidents and/or unsafe driving tends to increase. This is also reflected in the insurance premium charged by such drivers. This is not to say that these drivers are inherently risky. However, the natural diminish in reflexes and health conditions are the assumptions for greater premiums.
Cheapest full coverage car insurance in Maryland for 60-year-olds
| Company | Annual Premium | Monthly Premium |
| Progressive | $1,165 | $97 |
| Nationwide | $1,213 | $101 |
| GEICO | $1,255 | $105 |
| Erie | $1,397 | $116 |
| State Farm | $1,675 | $140 |
| Travelers | $1,764 | $147 |
| Kemper | $2,053 | $171 |
| Allstate | $2,270 | $189 |
Cheapest minimum coverage car insurance in Maryland for 60-year-olds
| Company | Annual Premium | Monthly Premium |
| Progressive | $611 | $51 |
| GEICO | $761 | $63 |
| Erie | $803 | $67 |
| Nationwide | $816 | $68 |
| State Farm | $901 | $75 |
| Travelers | $1,047 | $87 |
| Kemper | $1,160 | $97 |
| Allstate | $1,547 | $129 |
Cheapest auto insurance in Maryland for 60-year-olds with poor credit
Owing to old age and the assumption that many people do not have adequate savings for retirement, the ones with poor credit ratings after the age of 60 are at high risk for insurers.
| Company | Annual Premium | Monthly Premium |
| Nationwide | $1,510 | $126 |
| Progressive | $1,600 | $133 |
| GEICO | $1,989 | $166 |
| Allstate | $3,007 | $251 |
| Kemper | $3,246 | $270 |
| Erie | $3,248 | $271 |
| Travelers | $3,444 | $287 |
| State Farm | $3,550 | $296 |
Cheapest auto insurance in Maryland for 60-year-olds with one speeding ticket
| Company | Annual Premium | Monthly Premium |
| GEICO | $1,463 | $122 |
| Progressive | $1,471 | $123 |
| Nationwide | $1,525 | $127 |
| Erie | $1,608 | $134 |
| State Farm | $1,840 | $153 |
| Allstate | $2,635 | $220 |
| Travelers | $2,682 | $224 |
| Kemper | $2,893 | $241 |
Cheapest auto insurance in Maryland for 60-year-olds with one at-fault crash
| Company | Annual Premium | Monthly Premium |
| Progressive | $1,840 | $153 |
| Nationwide | $1,883 | $157 |
| GEICO | $2,004 | $167 |
| Erie | $2,036 | $170 |
| State Farm | $2,087 | $174 |
| Travelers | $2,819 | $235 |
| Allstate | $3,331 | $278 |
| Kemper | $4,253 | $354 |
Cheapest auto insurance in Maryland for 60-year-olds after a DUI
| Company | Annual Premium | Monthly Premium |
| Erie | $1,608 | $134 |
| Progressive | $1,619 | $135 |
| GEICO | $1,623 | $135 |
| State Farm | $1,840 | $153 |
| Nationwide | $2,268 | $189 |
| Allstate | $2,342 | $195 |
| Travelers | $3,159 | $263 |
| Kemper | $5,665 | $472 |
Cheapest for 70-year-old drivers
With drivers older than 70 years, the risk of accidents and/or unsafe driving tends to increase.
Cheapest full coverage car insurance in Maryland for 70-year-olds
| Company | Annual Premium | Monthly Premium |
| Progressive | $1,165 | $97 |
| Nationwide | $1,213 | $101 |
| GEICO | $1,255 | $105 |
| Erie | $1,397 | $116 |
| State Farm | $1,675 | $140 |
| Travelers | $1,764 | $147 |
| Kemper | $2,053 | $171 |
| Allstate | $2,270 | $189 |
Cheapest minimum coverage car insurance in Maryland for 70-year-olds
| Company | Annual Premium | Monthly Premium |
| Progressive | $611 | $51 |
| GEICO | $761 | $63 |
| Erie | $803 | $67 |
| Nationwide | $816 | $68 |
| State Farm | $901 | $75 |
| Travelers | $1,047 | $87 |
| Kemper | $1,160 | $97 |
| Allstate | $1,547 | $129 |
Cheapest auto insurance in Maryland for 70-year-olds with poor credit
| Company | Annual Premium | Monthly Premium |
| Nationwide | $1,510 | $126 |
| Progressive | $1,600 | $133 |
| GEICO | $1,989 | $166 |
| Allstate | $3,007 | $251 |
| Kemper | $3,246 | $270 |
| Erie | $3,248 | $271 |
| Travelers | $3,444 | $287 |
| State Farm | $3,550 | $296 |
Cheapest auto insurance in Maryland for 70-year-olds with one speeding ticket
| Company | Annual Premium | Monthly Premium |
| GEICO | $1,463 | $122 |
| Progressive | $1,471 | $123 |
| Nationwide | $1,525 | $127 |
| Erie | $1,608 | $134 |
| State Farm | $1,840 | $153 |
| Allstate | $2,635 | $220 |
| Travelers | $2,682 | $224 |
| Kemper | $2,893 | $241 |
Cheapest auto insurance in Maryland for 70-year-olds with one at-fault crash
| Company | Annual Premium | Monthly Premium |
| Progressive | $1,840 | $153 |
| Nationwide | $1,883 | $157 |
| GEICO | $2,004 | $167 |
| Erie | $2,036 | $170 |
| State Farm | $2,087 | $174 |
| Travelers | $2,819 | $235 |
| Allstate | $3,331 | $278 |
| Kemper | $4,253 | $354 |
Cheapest auto insurance in Maryland for 70-year-olds after a DUI
| Company | Annual Premium | Monthly Premium |
| Erie | $1,608 | $134 |
| Progressive | $1,619 | $135 |
| GEICO | $1,623 | $135 |
| State Farm | $1,840 | $153 |
| Nationwide | $2,268 | $189 |
| Allstate | $2,342 | $195 |
| Travelers | $3,159 | $263 |
| Kemper | $5,665 | $472 |
How Much Is Full Coverage Car Insurance in Maryland?
Finding an affordable car insurance policy in Maryland isn’t hard. It is only about 10% more than the average full coverage policy national average. The average auto insurance cost in Maryland is about $1,850 for a full coverage policy annually, which is about $155 a month.
Average Annual Car Insurance Rates in Maryland by Company
| Company | Average Rate |
| Erie Insurance Group | $1,419 |
| Nationwide | $1,532 |
| Progressive | $1,660 |
| State Farm | $1,603 |
| Travelers | $1,218 |
| USAA | $768 |
| State-wide Average | $1,367 |
How Much Is Liability-Only Coverage Car Insurance in Maryland?
It varies between 20-30, 30-60, and beyond 60 ages.
For 20-30-year-olds
| Company | Annual Premium | Monthly Premium |
| Progressive | $647 | $54 |
| Nationwide | $856 | $71 |
| Travelers | $885 | $74 |
| GEICO | $947 | $79 |
| Kemper | $955 | $80 |
| State Farm | $1,014 | $84 |
| Erie | $1,033 | $86 |
| Allstate | $1,321 | $110 |
For 30-60-year-olds
| Company | Annual Premium | Monthly Premium |
| Progressive | $620 | $52 |
| Nationwide | $704 | $59 |
| GEICO | $725 | $60 |
| Travelers | $765 | $64 |
| Erie | $788 | $66 |
| State Farm | $851 | $71 |
| Kemper | $904 | $75 |
| Allstate | $1,360 | $113 |
Beyond 60 years old
| Company | Annual Premium | Monthly Premium |
| Progressive | $611 | $51 |
| GEICO | $761 | $63 |
| Erie | $803 | $67 |
| Nationwide | $816 | $68 |
| State Farm | $901 | $75 |
| Travelers | $1,047 | $87 |
| Kemper | $1,160 | $97 |
| Allstate | $1,547 | $129 |
Minimum Car Insurance Requirements in Maryland
In Maryland, drivers are required to carry liability, uninsured and underinsured motorist coverage, and PIP at or above the minimum levels.
Optional coverage in Maryland varies by carrier:
- Comprehensive
- Collision
- Loan/Lease Payoff
- Rental Car Reimbursement
- Roadside Assistance
If you opt for better coverage, you can choose a policy with comprehensive and collision. It will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost. In Maryland, a comprehensive insurance policy with a $1,000 deductible costs $1,199, 83% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 111% more than you would for basic coverage.
Tips for How to Get Cheap Car Insurance in Maryland
Getting cheap car insurance in Maryland requires careful consideration of several factors and strategies to help reduce your premiums while maintaining adequate coverage.
- Shop Around
- Maintain a Clean Driving Record
- Choose the Right Coverage
- Bundle Your Policies
- Maintain Good Credit
- Ask About Discounts
- Raise Your Deductibles
- Install Safety Features
- Take Defensive Driving Courses
- Maintain Continuous Coverage
- Review Your Policy Annually
- Consider Group Insurance
- Ask an Independent Agent
No-Fault Insurance in Maryland
Maryland is not a “no-fault” insurance state. Instead, Maryland follows a traditional fault-based system for auto insurance. In a fault-based system, the driver who is found to be at fault for an accident is responsible for covering the costs associated with the accident. It includes property damage, medical expenses, and other damages.
The minimum uninsured motorist coverage required in Maryland is typically equal to the minimum liability coverage limits, which are 30/60/15:
- $30,000 bodily injury coverage per person.
- $60,000 bodily injury coverage per accident for all persons injured.
- $15,000 property damage coverage per accident.
A full coverage policy in Maryland will have higher liability coverage than mentioned above. It is about $2,500 more than in personal injury protection (PIP). A few additional optional coverages include collision coverage, medical payments coverage (MedPay), and guaranteed asset protection (GAP) coverage.
Conclusion
By implementing the abovementioned strategies and being proactive in managing your insurance, you can increase your chances of finding cheap car insurance in Maryland without sacrificing essential coverage. Increase your chances of saving more on your car insurance with Beem which provides up to 40% on your coverage.
Discover Other States Cheapest Car Insurance in USA
Frequently Asked Questions
Is car insurance required in Maryland?
Yes, car insurance is required in Maryland.
Which cars are required to be insured in Maryland?
In Maryland, all motor vehicles registered and operated on public roads must be insured.
When should I get car insurance in Maryland?
In Maryland, you should obtain car insurance before registering your vehicle and operating it on public roads.
How much car insurance do I need in Maryland?
Maryland law mandates that all drivers have a minimum liability insurance coverage to legally operate a motor vehicle on the state's roads.
What happens if my car is not properly insured in Maryland?
It's important to note that failing to maintain the required insurance coverage in Maryland can result in penalties. It could include fines, license suspension, and vehicle registration suspension. Additionally, driving without insurance can leave you financially responsible for any damages or injuries you may cause in an accident.
Is Maryland a no-fault state?
Maryland is not a "no-fault" insurance state.
Do I need uninsured motorist coverage in Maryland?
Yes, uninsured motorist coverage (UM) is required in Maryland unless you explicitly reject it in writing.
Is liability insurance required in Maryland?
Yes, liability insurance is required in Maryland for all motor vehicle owners.
Does Maryland accept digital insurance cards?
Maryland law allows for electronic proof of insurance, commonly called digital insurance cards, to provide evidence of insurance coverage.
Is insurance expensive in Maryland?
Maryland drivers generally pay 10% more per year than the national average for full coverage car insurance.
Q. What's the average cost of car insurance in Maryland?
The average full-coverage car insurance in Maryland was found to be $246 per month.
Q. How much is car insurance in my city in Maryland?
| City | Premium | Increase vs. Cheapest City |
| Cumberland | $1,301 | 0.00% |
| Hagerstown | $1,386 | 6.50% |
| Salisbury | $1,459 | 12.10% |
| Frederick | $1,475 | 13.40% |
| Westminster | $1,573 | 20.90% |
| Bel Air North | $1,742 | 33.90% |
| Elkton | $1,769 | 36.00% |
| Annapolis | $1,784 | 37.10% |
| Lake Shore | $1,793 | 37.80% |
| Bethesda | $1,797 | 38.10% |
| Rockville | $1,835 | 41.00% |
| Germantown | $1,851 | 42.30% |
| Gaithersburg | $1,872 | 43.90% |
| Potomac | $1,876 | 44.20% |
| Columbia | $1,950 | 49.90% |
| Waldorf | $1,985 | 52.60% |
| Ellicott City | $2,084 | 60.20% |
| Glen Burnie | $2,136 | 64.20% |
| Silver Spring | $2,137 | 64.30% |
| Bowie | $2,166 | 66.50% |
| Laurel | $2,182 | 67.70% |
| Largo | $2,265 | 74.10% |
| Catonsville | $2,406 | 84.90% |
| Fort Washington | $2,411 | 85.30% |
| Parkville | $2,412 | 85.40% |
| Dundalk | $2,479 | 90.50% |
| Owings Mills | $2,502 | 92.30% |
| Langley Park | $2,610 | 100.60% |
| Gwynn Oak | $3,048 | 134.30% |
| Baltimore | $3,465 | 166.30% |
