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Why is car insurance so expensive in Maryland?
I plan on moving this fall to Maryland to attend grad school at the University of Maryland. I’m getting off my parents’ car insurance policy and getting my own, but I had no clue how expensive it would be. Why is car insurance so expensive in Maryland?
Mariza Morin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
What an exciting next chapter in your life! It’s true—car insurance rates can dramatically change depending on your zip code.
- High population density: Maryland has the 10th-highest population density in the country. More drivers on the road can lead to more accidents.
- Uninsured drivers: As of 2019, over 14% of Maryland drivers were on the road without insurance coverage. This makes plans more expensive for those who buy insurance.
- Inclement weather: Maryland is prone to extreme weather, including hurricanes, tropical storms, and flooding. Weather events can cause large numbers of vehicles to be damaged at once. To offset expensive payouts, insurers raise rates.
Drivers in Maryland pay an average of $2,402 for liability-only coverage and $2,717 for a full-coverage policy—which is on the expensive side! However, car insurance is actually cheaper here compared to
several other states in the nation
. How much you pay for insurance
will ultimately depend on factors like your location, age, driving history, and the type of vehicle you have. So don’t let Maryland’s elevated averages discourage you! The good news is
Jerry
, the top-rated super app
, is here to help you find the best car insurance
prices available. Download the app for free to start comparison shopping. The average user saves over $800 a year. View full answer
- Gregory R.
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