Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Maryland.

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Quotes from top insurance companies

Updated on Jan 30, 2025

R.E. Fulton

Expert Insurance Writer and Editor

Reviewed by Josh Damico, Head of Insurance Operations

Edited by Lina Zhang, Lisenced Insurance Agent

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance quotes in Maryland
Cheapest car insurance companies in Maryland
Maryland Car Insurance Coverage Requirements
Maryland Car Insurance Rating Factors
How Do Different Factors Impact Your Car Insurance Costs in Maryland?
Car Insurance for High-Risk Maryland Drivers
Car Insurance for Maryland Drivers With DUI
Car Insurance for Maryland Drivers With a Coverage Lapse
Car Insurance for Maryland Drivers With a Low Credit Score
Maryland Car Insurance Cost by Age
Maryland Car Insurance by Car
Maryland Insurance Cost by Zip Code
How to lower the cost of car insurance in Maryland
Why is car insurance so expensive in Maryland?
FAQs
Methodology
Meet our Experts

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How to find the cheapest car insurance quotes in Maryland

With dozens of popular insurance companies to choose from, finding the best rate can be tricky. The easiest way to find affordable rates without compromising coverage is to shop around and compare

car insurance quotes

Thousands of Maryland drivers trust Jerry Insurance Agency to help them find the best rates on car insurance without the hassle.

Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
January 24, 2025	AAA	$229	Miguel, 37 Baltimore, MD	Honda Crosstour EXL	• 100,000/300,000 Liability
January 22, 2025	Clearcover	$232	Landon, 54 Baltimore, MD	Acura MDX Touring	• 50,000/100,000 Liability
January 20, 2025	Nationwide	$213	Danny, 40 Baltimore, MD	Nissan Rogue Sport S	• 50,000/100,000 Liability • Comp / Collision
January 16, 2025	Allstate	$158	Rhoda, 32 Hyattsville, MD	Toyota Corolla L	• State Minimum Liability • Comp / Collision
January 14, 2025	Travelers	$153	Flora, 44 Laurel, MD	Infiniti QX60	• 100,000/300,000 Liability • Comp / Collision

Last Updated Jan 24, 2025

Compare car insurance quotes now

Cheapest car insurance companies in Maryland

If you’re looking for the best

car insurance

, Jerry conducted a national insurance survey to uncover the best providers for drivers.

The study found that there’s no “best” or “cheapest” insurance provider for all drivers. Every insurance company emphasizes different variables to calculate rates, so not every company will offer the same rate for the same driving profile.

In Maryland, customers rated Kemper the highest for customer satisfaction, claims processing, and policy cost, but ROOT, USAA, State Farm, and Travelers also scored well.

Here’s what drivers have to say about these insurance providers.

Insurance company	Date	City	Cost rating (out of 5)	What our customer said:
Progressive	January 30, 2025	Rockville, MD	3	"Progressive insurance is ok. Not the best at all. I used to have USAA which was really good but I’m no longer able to...(read more)" -Jackson
Progressive	January 27, 2025	Abingdon, MD	4	"Geico is the cheapest insurance in my area for full coverage with good driving record, I have had good experience wit...(read more)" -Cory
Allstate	January 23, 2025	Baltimore, MD	4	"They gave me a super rate for both vehicles" -Elmer
Anchor General	January 18, 2025	Gaithersburg, MD	4	"Clear Cover has great customer service, I had an issue with a payment for my insurance which was not posting in the C...(read more)" -Mary
Anchor General	January 17, 2025	Baltimore, MD	4	"Had some issues with a claim and after calling, everything was resolved swiftly. " -Mildred

Last Updated Jan 30, 2025

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

To find car insurance quotes online without the hassle of phone calls and emails, the most convenient method is to use a comparison app or website.

Jerry is the country’s leading

car insurance comparison app

, making finding and comparing insurance quotes online quick and hassle-free. Jerry partners with more than 50 top providers and has 100+ licensed insurance agents to help you find the best coverage for the best rate, 24/7.

Minimum car insurance requirements for liability and full coverage in Maryland

To legally drive in Maryland, all drivers must meet the state’s minimum insurance requirements before getting behind the wheel. Maryland only requires drivers to purchase liability car insurance,

uninsured/underinsured motorist coverage (UM/UIM)

, and personal injury protection (PIP), but they may also choose to purchase

full-coverage auto insurance

for greater financial protection.

Cheapest minimum liability coverage in Maryland

Maryland’s car insurance laws

require drivers to carry minimum liability insurance that follows a 30/60/15 pattern—drivers must have the following:

$30,000

bodily injury liability

per person

$60,000 bodily injury liability per accident

$15,000

property damage liability

per accidentIf you’re looking for an affordable insurance policy in Maryland, Jerry recently helped several drivers find liability insurance coverage. Here are some examples:

Progressive

Esther (26 years old)

Coverage

State Minimum

Silver Spring, MD

Honda Accord Sport

$169

per month

Safeco

Jose (25 years old)

Coverage

State Minimum

Cheverly, MD

Honda Accord EX

$210

per month

Travelers

Sara (35 years old)

Coverage

State Minimum

Frederick, MD

Volvo XC90 T6

$129

per month

Allstate

Rhoda (32 years old)

Coverage

State Minimum

Hyattsville, MD

Toyota Corolla L

$158

per month

Bristol West

Florence (29 years old)

Coverage

State Minimum

Rockville, MD

Toyota Camry Hybrid

$156

per month

Gainsco

Helena (30 years old)

Coverage

State Minimum

Reisterstown, MD

Hyundai Elantra GLS

$194

per month

Do you need more than the minimum liability insurance coverage in Maryland?

Maryland law mandates that drivers must have liability insurance that meets the minimum coverage car insurance requirements, in addition to UM/UIM and PIP. While the coverage limits are higher than in some states, drivers should purchase insurance coverage that exceeds the 30/60/15 minimum.

Medical bills and vehicle damages can easily exceed the state-mandated minimum if you're involved in an at-fault accident. A serious crash where your car is totaled can leave you with a bill of more than $50,000, meaning you’re on the hook for paying anything above the state minimum.

For better financial protection, Maryland drivers should consider purchasing a full-coverage policy—or at least increasing their liability insurance limit to 50/100/50 or even 100/200/100.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Cheapest full coverage Maryland auto insurance quotes

Buying a full coverage car insurance policy is one of the quickest and easiest ways to protect yourself against costs associated with vehicle repair or replacement if you’re involved in an accident.

A full coverage policy in Maryland usually includes

comprehensive

and

collision coverage

Collision insurance: Covers the cost of repairs to your vehicle or, in the event of a total loss, will issue you the fair market value of your car before the accident. Collision coverage is subject to a deductible.

Comprehensive insurance: Covers the cost of damages to your car resulting from causes other than an accident, including theft, vandalism, glass breakage not resulting from an accident, or hitting an animal or sign with a car. This coverage is also subject to a deductible.

If you lease your vehicle, most lenders will require you to purchase a full coverage policy that includes collision and comprehensive coverage.

Here are a few recent examples where Jerry helped Maryland drivers find affordable full-coverage insurance policies.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• 50,000/100,000 Liability • Comp / Collision	Progressive	$155	Wesley, 33 Gaithersburg, MD	Lexus ES 300H
• 100,000/300,000 Liability • Comp / Collision	Nationwide	$144	Hannah, 37 Thurmont, MD	Chevrolet Equinox LT
• State Minimum Liability • Comp / Collision	Bristol West	$626	Herbert, 46 Baltimore, MD	Nissan Versa SV
• 50,000/100,000 Liability • Comp / Collision	Plymouth Rock	$126	Eva, 35 Cockeysville, MD	Audi A3 Premium
• 100,000/300,000 Liability • Comp / Collision	National General	$137	Mittie, 27 Baltimore, MD	Nissan Sentra S

Last Updated Jan 27, 2025

Average rates for minimum liability coverage and full coverage car insurance in Maryland

We’ve worked with dozens of Maryland insurance providers and found that the average cost of minimum liability coverage is $245 per month or $2,939 per year. The average cost for full coverage insurance in Maryland is $397 per month or $4,759 per year.

Insurance coverage	Average insurance cost (monthly)	Average insurance cost (yearly)
State minimum coverage	$228	$2,741
Full coverage	$259	$3,111

The average cost for car insurance in Maryland is a good way to estimate what you can expect to pay—but insurance costs are determined by a variety of factors like age, location, vehicle make and model, driving record, and claims history, so they may vary based on the individual and the provider.

Maryland car insurance: Additional coverages

Uninsured/underinsured motorist protection and personal injury protection (PIP) are mandatory in Maryland. Drivers are required, at minimum, to have uninsured motorist coverage of $30,000 per person per accident and $60,000 total per accident for bodily injury, and $15,000 per accident for property damage. Drivers are also required to purchase minimum PIP coverage of $2,500.

In addition to the required coverages in Maryland, here are some other types of insurance coverages to consider:

Medical payments (MedPay) (usually won’t kick in until your PIP is exhausted)

Rental reimbursement

Towing and labor

Transportation expense

If you have a loan on your car:

Gap insurance

will cover the difference between the car's actual cash value and the amount you still owe if the vehicle is totaled in a crash or stolen.

MORE:

Types of insurance

Not in Maryland?

Delaware car insurance

New Jersey car insurance

Pennsylvania car insurance

Virginia car insurance

West Virginia car insurance

Connecticut car insurance

North Carolina car insurance

New York car insurance

Car insurance premium by rating factors

Insurance providers use rating factors to determine premiums for various age groups. Some of the most common factors affecting rates include:

Driving record and claims history: Insurance companies charge more if you have accidents or tickets on your driving record.

Vehicle location: Rates for drivers in cities are usually higher than in rural areas. Rates also vary based on your ZIP code, even in the same city.

Vehicle make and model: Luxury, high-performance, and sports cars have higher insurance premiums than non-luxury and less expensive ones.

How you use your car: Cars driven for work generally have higher insurance premiums than cars driven for leisure.

Your credit score: Some states look at credit score before quoting insurance premiums—drivers with higher credit scores usually pay less for the same insurance coverage.

How Do Different Factors Impact Your Car Insurance Costs in Maryland?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Maryland currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Maryland:

How to find cheap Maryland car insurance if you’re a high-risk driver

Whether major or minor, a driving violation on you record can have significant implications for your car insurance rates.

A driver with violations on their driving record is considered a “high-risk driver” and is subject to higher insurance rates.

Cheapest car insurance for Maryland drivers with a speeding ticket

The penalty for speeding in Maryland depends on how fast you were driving over the posted limit, but all cases of speeding come with a fine and driving points in your record:

Violation of the basic speeding law: $90 fine and one point

Exceeding a posted speed limit by 1 to 9 miles per hour: $80 fine and one point

Exceeding a posted speed limit by 10 to 19 miles per hour: $90 fine and two points

Exceeding a posted speed limit by 20 to 29 miles per hour: $160 fine and two points

Exceeding a posted speed limit of 65 or 75 miles per hour by 10 to 19 miles per hour: $160 fine and two points

Exceeding a posted speed limit of 65 or 75 miles per hour by 20 to 29 miles per hour: $290 fine and five points

Exceeding a posted speed limit by 30 to 39 miles per hour: $290 fine and five points

Exceeding a posted speed limit by at least 40 miles per hour: $530 fine and five points

Speeding tickets are never ideal and can do serious damage to your driving record, but Jerry can help you save on car insurance!

Check out the table below for real-life examples of how Jerry helped Maryland drivers with speeding tickets save on car insurance.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Speeding 1-5	Progressive	$151	Evelyn, 28 Elkridge, MD	• State Minimum Liability
Speeding 6-10	Safeco	$246	Mina, 39 Waldorf, MD	• 50,000/100,000 Liability • Comp / Collision
Speeding 11-15	Bristol West	$547	Dennis, 31 Baltimore, MD	• State Minimum Liability
Speeding 16-20	Progressive	$205	Cynthia, 23 Bel Air, MD	• 100,000/300,000 Liability
Speeding 21+	Clearcover	$265	Alex, 23 Hampstead, MD	• 50,000/100,000 Liability • Comp / Collision

Last Updated Jan 27, 2025

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Fast response to questions, problems solved quickly

John

Switching to National General was SO easy and it saved me over $100/month! I'm so glad I made the switch!

Courtney

Got a decent rate for my Tesla Model S from travelers

Kishore

Safeco has provided great service as my current carrier.

Marcus

How to find cheap Maryland auto insurance after a DUI

A serious traffic violation like a

DUI in Maryland

can considerably increase your car insurance premium, as a DUI lumps you into the “high-risk driver” category. If an insurer is willing to insure you, you’ll typically pay a much higher premium than drivers without a DUI.

The best way to secure an affordable rate with a DUI on your record is to

shop around for car insurance quotes

from various providers.

Jerry has helped several drivers with a DUI find affordable insurance rates.

AAA

Callie (33 years old)

DUI

Coverage

State Minimum

Essex, MD

Nissan Versa S

$322

per month

Travelers

Jonathan (43 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Rosedale, MD

Toyota RAV4 SE

$185

per month

Bristol West

Lucas (50 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Silver Spring, MD

Volvo XC60 3.2

$198

per month

State Auto

Ronnie (41 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Brunswick, MD

Mazda 3 Sport

$99

per month

National General

Jared (54 years old)

DUI

Coverage

State Minimum

Montgomery Village, MD

KIA Forte LX

$303

per month

Electric

Bill (57 years old)

DUI

Coverage

100,000 per person

300,000 per accident bodily injury

Stevensville, MD

Infiniti I30

$151

per month

Maryland SR-22 insurance

If you have a major violation on your Maryland driving record you may need to file an

SR-22

before you can regain your license. Insurance providers issue SR-22s to high-risk drivers as proof that they carry the minimum required car insurance in Maryland.

SR-22s are usually required for the following violations:

Driving without insurance

Driving without a valid driver’s license

DUI or DWI

conviction

Hit-and-run

Reckless driving

Distracted driving

Repeated driving violations

An at-fault collision leading to death or injury

If you have to file an SR-22 in Maryland, you will see a steep increase in your insurance rate.

MORE:

How to request your driving record in Maryland

How to find cheap car insurance in Maryland after an at-fault accident

Your driving record has a significant impact on how much you pay for car insurance, and if you have any at-fault accidents, you’ll likely see a higher rate. Insurers look at any at-fault accidents you’ve had to determine how much of a risk you are. The more at-fault accidents, the more high-risk you are. When it’s time to renew your policy, you’ll likely see an increase in your premium.

Take a look at the table below for a rundown of car insurance rates for different drivers after car accidents:

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
At Fault With Injury	Progressive	$192	Gregory, 35 Germantown, MD	• 50,000/100,000 Liability • Comp / Collision
At Fault With No Injury	AAA	$310	Caroline, 27 Gaithersburg, MD	• 50,000/100,000 Liability • Comp / Collision
Not At Fault	Safeco	$182	Alex, 29 Upper Marlboro, MD	• State Minimum Liability • Comp / Collision
At Fault With No Injury	AAA	$292	Alan, 43 Laurel, MD	• 100,000/300,000 Liability • Comp / Collision
At Fault With Injury	Bristol West	$136	Lottie, 49 Owings, MD	• 50,000/100,000 Liability

Last Updated Jan 28, 2025

FAQs

Is Maryland a no-fault state?

No—According to the

state’s car accident laws

, Maryland is an at-fault state, meaning that if you’re involved in a crash, the person at fault is responsible for paying for the other people’s injuries and property damage resulting from the accident. Additionally, drivers in Maryland can pursue a lawsuit against the driver at fault for even basic expenses.

Cheapest auto insurance after other violations in Maryland

A DUI or speeding ticket can lead to a spike in car insurance rates for Maryland drivers. However, it’s not just major violations that cause increases. Failing to stop at a stop sign, driving without insurance, or driving without a license are all violations that can increase premiums.

Check out some examples of how Jerry helped drivers with violations find affordable insurance.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Careless Driving	Progressive	$231	Grace, 49 College Park, MD	Nissan Altima 2.5	• State Minimum Liability
Cell Phone	Travelers	$468	Susan, 29 Pikesville, MD	Honda Civic LX	• 100,000/300,000 Liability • Comp / Collision
Defective Equipment	AAA	$115	Connor, 32 Parkville, MD	Chevrolet Trax 1LT	• State Minimum Liability
Driving on Sus. License	Safeco	$237	Donald, 26 Fort Washington, MD	Toyota Prius	• 100,000/300,000 Liability
DUI	Bristol West	$148	Fred, 56 Stevensville, MD	Infiniti I30	• 100,000/300,000 Liability
Failure to Obey Signal	Gainsco	$338	Linnie, 27 Gaithersburg, MD	Audi A4 Premium	• State Minimum Liability
Illegal Turn	Progressive	$145	Harry, 35 Silver Spring, MD	Nissan Armada SE	• State Minimum Liability
Improper Passing	Clearcover	$182	Stephen, 29 Middle River, MD	KIA RIO LX	• State Minimum Liability • Comp / Collision
Leaving scene of an Accident/Hit and Run	National General	$274	Derrick, 29 Oxon Hill, MD	Toyota Camry L	• 50,000/100,000 Liability • Comp / Collision
Seat Belt	Nationwide	$171	Jean, 63 Gaithersburg, MD	Nissan Pathfinder S	• 50,000/100,000 Liability • Comp / Collision
Speeding 16-20	Bristol West	$124	Hettie, 27 Westernport, MD	Chevrolet Trax 1LT	• State Minimum Liability
Speeding Violation-Minor	State Auto	$165	Lewis, 55 Linkwood, MD	Lexus ES 350	• 100,000/300,000 Liability • Comp / Collision
Suspension	Travelers	$250	Scott, 37 Annapolis, MD	Honda Civic EXL	• 50,000/100,000 Liability • Comp / Collision
Wrong Way/Wrong Lane	Progressive	$396	Chase, 23 Frederick, MD	Chevrolet Cruze Premier	• 50,000/100,000 Liability • Comp / Collision
Other Minor	Safeco	$213	Jerome, 39 Laurel, MD	Hyundai Sonata Sport	• State Minimum Liability • Comp / Collision

Last Updated Jan 29, 2025

Cheapest Maryland auto insurance based on insurance history

Your insurance history—or how long you’ve had insurance—is also used to determine your auto insurance rate. The longer you’ve been continuously insured, the lower your car insurance premium will be.

Insurers want to know that you haven’t had a

lapse in insurance coverage

, which can label you as a “high-risk driver” and cause a drastic increase in your insurance premium.

Never miss a payment with Jerry! Jerry notifies you when a payment is coming up to help you avoid missing a payment or having a lapse in insurance coverage.

Regardless of your insurance history, Jerry helps Maryland drivers find significant savings on a new insurance policy. Check out how we helped these customers!

Progressive

Kenneth (65 years old)

Currently Insured

Coverage

State Minimum

Hyattsville, MD

Honda CR-V EX

$100

per month

Travelers

Sophia (27 years old)

Not Currently Insured

Coverage

State Minimum

Baltimore, MD

Hyundai Sonata SE

$392

per month

Nationwide

Sean (36 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Thurmont, MD

Chevrolet Equinox LT

$144

per month

Travelers

Hester (24 years old)

Not Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Randallstown, MD

Volkswagen Jetta SE

$382

per month

Clearcover

Bryan (35 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Brooklyn, MD

Mercedes-Benz C 300 4matic

$227

per month

Infinity

Etta (37 years old)

Not Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Bowie, MD

Toyota Corolla L

$202

per month

Cheapest car insurance for drivers with poor credit

Not every state uses credit score to determine car insurance premiums, but they can be used to determine the likelihood of a driver filing a claim. In Maryland, insurance companies can consider credit scores when setting premiums—but they can’t deny you coverage, cancel your policy, or increase rates upon renewal.

On average, drivers with poor credit scores have a rate up to 70% higher than drivers with good credit scores. If you have a poor credit score and want cheap car insurance, shopping around with a comparison app or website can help you find the best rate.

Check out rate differences between drivers based on their credit score:

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$88	Marvin, 30 Gaithersburg, MD	Honda CR-V EX	• 50,000/100,000 Liability • Comp / Collision
660 - 750	AAA	$243	Carolyn, 29 Hyattsville, MD	Toyota Corolla Cross XLE	• State Minimum Liability
550 - 659	Nationwide	$213	Matthew, 39 Rosedale, MD	Nissan Rogue Sport S	• 50,000/100,000 Liability • Comp / Collision
< 550	Travelers	$336	Don, 34 Owings Mills, MD	Volkswagen Atlas Cross Sport SE	• 100,000/300,000 Liability • Comp / Collision

Last Updated Jan 29, 2025

Cheapest Maryland car insurance by age

How much you pay for car insurance depends on many factors, including your age. Drivers 16 to 19 are subject to some of the highest insurance premiums of any age group due to lack of driving experience.

After 25, more driving experience means your car insurance rates will start to decline. They’ll stay at their lowest until you reach your 60s, when your premiums will start to increase again.

USAA, GEICO, and Travelers generally offer affordable rates for drivers, but it still pays to shop around to find the best rate for you.

Cheapest Maryland car insurance for young drivers

Teen drivers aged 16-19 tend to have the highest insurance rate of any age bracket in Maryland. Less road experience leads to a higher risk of accidents and, therefore, a higher risk of claims.

You may notice that your rates are a little cheaper while you have a

Maryland provisional license

—that’s because during your provisional period, you can only drive while you’re supervised. If you’re under 19 with a full license, you’ll notice that your rates are higher.

Still, because of the added risk that comes with being a new driver, we recommend drivers under 19 purchase a full-coverage policy that offers more financial protection.

MORE:

The best cheap car insurance for teens in 2023

AAA

Douglas (21 years old)

Coverage

State Minimum

Silver Spring, MD

Ford Explorer XLT

$302

per month

Safeco

Lula (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Hyattsville, MD

Honda CR-V LX

$413

per month

Allstate

Landon (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Essex, MD

Chevrolet Cruze LT

$288

per month

Travelers

Troy (22 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Ellicott City, MD

BMW 335 D

$443

per month

Nationwide

Mable (24 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Annapolis, MD

Ford Escape SE

$124

per month

Bristol West

Polly (21 years old)

Coverage

State Minimum

Hyattsville, MD

Toyota Camry LE

$582

per month

Cheapest Maryland car insurance for senior drivers

Although senior drivers may have an abundance of driving experience, car insurance rates are at their highest for drivers 60+.

That’s because seniors are at a higher risk of mortality, hospitalization, and medical expenses from car accidents—and they also have slower reflexes that increase the risk of accidents. A higher risk on the road means higher costs for insurers and higher premiums for older drivers.

Progressive

Lou (69 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Colesville, MD

Ford Transit Connect

$67

per month

AAA

Lee (65 years old)

Coverage

State Minimum

Baltimore, MD

Lincoln LS

$398

per month

Travelers

Sylvia (68 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Salisbury, MD

Jeep Compass Latitude

$173

per month

State Auto

Susie (68 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Frederick, MD

Dodge Grand Caravan SXT

$127

per month

Clearcover

Franklin (67 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Hollywood, MD

Toyota Sequoia Limited

$67

per month

Bristol West

Nora (72 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Waldorf, MD

Nissan Altima 2.5

$125

per month

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

I always shared a good relationship with progressive

Jeffrey

The policy offered is about $40 cheaper than my previous car insurance carrier.

Tyler

I like this insurance a lot

Krista

I love this. I'm not paying and arm and a leg to keep my vehicle on the road

Eason

How to find car insurance discounts in Maryland for your motor vehicle

Your vehicle’s make and model can heavily influence the cost of car insurance. Generally, the more expensive your car is, the more expensive insurance will be. Other factors associated with your car that can increase insurance rates include:

Repair or replacement costs

Likelihood of theft

Safety rating

Some of the most popular cars among Maryland drivers are:

Toyota Camry

Honda Accord

Nissan Altima

Honda CR-V

Honda Civic

Toyota Corolla

Ford F-Series

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Toyota RAV4 SE	Progressive	$181	Rebecca, 33 Germantown, MD	• 100,000/300,000 Liability • Comp / Collision

Last Updated Jan 30, 2025

MORE:

How to get car insurance before buying a car

Is it cheaper to insure a new car or a used car?

While the value of a car generally decreases with age, insurance doesn’t always follow suit. Insurance rates are determined by how much an insurer would have to pay if the car was damaged, so a more expensive car with higher repair costs means a higher insurance rate.

Newer cars with more safety features can also help to lower rates.

Generally speaking, newer cars are more expensive to insure than older cars. At Jerry, we found that Maryland's average full coverage insurance cost for a car older than 10 years is $3,217 per year in Maryland. The average cost for insuring a car less than 4 years old goes up to $5,013 a year.

Progressive

Glen (25 years old)

2002 Honda Accord EX

Coverage

State Minimum

Cheverly, MD

$208

per month

Safeco

Mamie (34 years old)

2005 Lexus LS 430

Coverage

State Minimum

Hyattsville, MD

$144

per month

AAA

Theresa (26 years old)

2005 Jeep Grand Cherokee Laredo

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Sykesville, MD

$357

per month

Travelers

Derrick (32 years old)

2005 Dodge RAM 2500 ST

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Dundalk, MD

$137

per month

Nationwide

Philip (51 years old)

2004 GMC Yukon

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Cambridge, MD

$104

per month

Infinity

Alejandro (33 years old)

2004 Acura MDX Touring

Coverage

State Minimum

Bowie, MD

$145

per month

How to find cheap car insurance in Maryland in your city

Your location can also influence how much you pay for car insurance. Certain areas are subject to higher crime rates, which means a larger payout for insurance companies. Urban areas also see higher insurance rates than rural areas.

On top of that, where you park your car also contributes. If your car is parked in a secure location, there’s less risk of damage or theft, so you may see a lower insurance rate than drivers who park on the street.

In addition to crime, factors like population density, accident rates, and weather also influence insurance premiums in Maryland.

Check out the table below to see how Jerry agents helped Maryland drivers in different cities save on insurance costs.

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance coverage
Silver Spring, MD	Esther, 26	Progressive	$169	Honda Accord Sport	• State Minimum Liability
Rosedale, MD	Louise, 38	Safeco	$318	Toyota Highlander LE	• 50,000/100,000 Liability • Comp / Collision
Hyattsville, MD	Alan, 29	AAA	$243	Toyota Corolla Cross XLE	• State Minimum Liability
Laurel, MD	Leroy, 44	Travelers	$153	Infiniti QX60	• 100,000/300,000 Liability • Comp / Collision
Rockville, MD	Florence, 29	Bristol West	$156	Toyota Camry Hybrid	• State Minimum Liability
Hagerstown, MD	Anne, 33	State Auto	$374	Ford Focus SE	• 100,000/300,000 Liability • Comp / Collision
Abingdon, MD	Carlos, 26	Clearcover	$240	Chevrolet Cruze LS	• State Minimum Liability
Oxon Hill, MD	Marian, 34	National General	$148	Nissan Altima 2.5	• 50,000/100,000 Liability • Comp / Collision
Reisterstown, MD	Helena, 30	Gainsco	$194	Hyundai Elantra GLS	• State Minimum Liability
Fort Washington, MD	Emily, 35	Infinity	$319	Dodge Challenger R/T	• 10,000/20,000 Liability
Mechanicsville, MD	Edith, 32	Electric	$93	Ford F-150	• State Minimum Liability

Last Updated Jan 27, 2025

How to lower the cost of car insurance in Maryland

Finding affordable car insurance be tricky, but with the right tips, you can find the best rate without sacrificing coverage. Jerry’s team of experts has gathered the best tips to help you save on car insurance:

Shop around and compare quotes between auto insurance companies.

Look at insurance policy costs before buying a car.

Increase your deductible for comprehensive and collision insurance.

Reduce coverage on older vehicles.

Bundle your car and homeowners insurance to get a discount.

Improve your credit score.

Take a defensive driving course.

Ask about car insurance discounts, such as good driver discounts, online payment discounts, or low mileage discounts.

MORE:

11 Ways to lower car insurance

Why is car insurance so expensive in Maryland?

Maryland is the fifth-most expensive state for car insurance. Here are some contributing factors to high insurance rates:

High highway density

Large urban population density

High state minimum car insurance requirements

High vehicle theft rates

High uninsured driver rate

FAQs

Who has the best cheap car insurance in Maryland?

Several factors influence insurance rates, meaning no single insurance provider will offer the best rate for every driver, as shown by Jerry’s survey of over 15,000 car insurance policyholders—the largest insurance shopping study in the industry.

However, Jerry found that Kemper, ROOT, and National General offer some of the most competitive rates for auto insurance policies in Maryland.

To find cheap auto insurance, try comparing quotes from at least three insurance companies using an insurance comparison app like Jerry.

Can you get car insurance without a license in Maryland?

It’s possible to buy insurance on a vehicle you own even if you don’t have a Maryland driver’s license, but you’ll need to exclude yourself as a driver on the policy. List the primary driver as the named insured, instead.

What is the cheapest form of insurance in Maryland?

The cheapest type of insurance is the state minimum liability insurance. But even though this is all you’re legally required to carry, it’s almost always a good idea to purchase higher levels of coverage to ensure you’re financially protected after an accident.

Do you need insurance to register a car in Maryland?

Before you can register a car in Maryland, you must show proof of valid car insurance that meets the minimum insurance requirements. If you don’t already have auto insurance, you’ll need to

buy an insurance policy before you buy a new car

To register your vehicle in Maryland, you’ll need to bring the following

documents

to your local DMV:

Completed car application for a certificate of title

Valid car insurance

Proof of ownership

Inspection certificate

Lien information

Odometer reading information

Maryland safety inspection certificate

Power of attorney

What is the minimum car insurance required in Maryland?

All Maryland drivers must carry liability insurance that follows the 30/60/15 pattern—$30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, and $15,000 property damage liability per accident. Drivers must also have uninsured motorist coverage of at minimum, $30,000 per person per accident and $60,000 total per accident for bodily injury, and $15,000 per accident for property damage.

Drivers are also required to purchase minimum PIP coverage of $2,500.

Do I need uninsured/underinsured motorist protection in Maryland?

Yes, UM/UIM is mandatory in Maryland. On top of liability insurance, Maryland drivers are required to have at least $30,000 per person and $60,000 total per accident for bodily injury, and $15,000 per accident for property damage.

Does insurance follow the car or the driver in Maryland?

Auto insurance in Maryland

follows the car, not the person

. If someone who is not on your insurance is driving your vehicle and gets into an accident, your insurance policy will cover the cost of damage and medical expenses—if you have full coverage—up to your policy limits.

What does full coverage car insurance consist of in Maryland?

A full-coverage car insurance policy in Maryland usually refers to a policy that exceeds the state’s minimum requirements but also includes optional collision and comprehensive coverage. If you’re a young driver or have a relatively new vehicle, we recommend investing in a full-coverage policy for more financial protection.

Can you have out-of-state car insurance in Maryland?

Maryland does allow drivers to use out-of-state insurance, but upon becoming a Maryland resident, drivers have 60 days to their insurance policy or shop around for a new one.

Is PIP required in Maryland?

No, personal injury protection (PIP) is not required in Maryland, but having it as additional coverage can be helpful in the event of an accident. This auto insurance coverage helps with the costs of medical treatment if you or your passengers are injured in an accident, regardless of who was at fault. If you don’t have healthcare insurance, PIP can reduce financial stress from a car accident.

How much is car insurance in Maryland?

The average car insurance cost for minimum liability coverage in Maryland is $245 per month and $2,939 per year. The average cost for full coverage insurance in Maryland is $397 per month and $4,759 per year.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

15 Years Working in Insurance

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.

Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

Learn more about our

insurance review board

and our

editorial standards

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.