Maryland residents spend about $1,802 annually for full coverage auto insurance and $1,030 for minimum coverage, based on a 40-year-old driver with good credit and no infractions. Maryland ranks 44th for full coverage and 46th for minimum coverage among all states, with costs 24% and 50% above national averages.
Average Cost of Car Insurance in Maryland
Updated: October 23, 2025
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Key Takeaways
Maryland car insurance costs range from $1,030 to $5,081 per year based on your coverage, driving profile and location.
Maryland ranks as one of the most expensive in the country ranking 46th and 44th overall for minimum and full coverage car insurance affordability respectively.
To secure the cheapest car insurance in Maryland, decide your coverage needs, research several companies and compare quotes.
Average Car Insurance Cost In Maryland
| Full Coverage | $150 | $1,802 |
| Minimum Coverage | $86 | $1,030 |
Moving from liability-only to comprehensive coverage costs an extra $772 per year, or $64 monthly. Your rates vary based on personal characteristics, driving history and coverage choices.
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Average Maryland Car Insurance Cost By Category
Drivers with poor credit pay the highest costs in Maryland at $266 monthly for full coverage and $130 for minimum coverage, as insurers heavily weight credit scores in their pricing. Individual characteristics combine to determine your Maryland car insurance rates.
Young drivers pay even higher premiums at $383 monthly for full coverage, reflecting their inexperience in Maryland's dense traffic areas. Adult drivers pay moderate rates at $145 monthly for full coverage and $84 for minimum, while drivers with older vehicles pay similar amounts at $149 monthly.
| Young Drivers | $212 | $383 |
| Adult Drivers | $84 | $145 |
| Senior Drivers | $90 | $152 |
| Drivers With An Accident | $127 | $229 |
| Drivers With A DUI | $161 | $304 |
| Drivers With A Speeding Ticket | $105 | $187 |
| Drivers With Bad Credit | $130 | $266 |
| Drivers With Low Income | $80 | $162 |
| Drivers With Newer Cars | $103 | $182 |
| Drivers With Old Cars | $85 | $149 |
Maryland's metropolitan traffic patterns and population density drive higher rates, with demographic factors raising these base costs.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
Check out our comprehensive roundup guides to identify the best cheap provider for your profile.
Average Maryland Car Insurance Cost by Company
GEICO offers competitive rates in Maryland at $89 monthly for full coverage, while Erie Insurance charges higher rates at $135 monthly. Maryland insurance companies offer different rate structures, with full coverage ranging from $89 to $135 monthly among major insurers.
Maryland residents can reduce annual costs by approximately $556 through strategic company selection.
| Geico | $51 | $89 |
| State Farm | $63 | $118 |
| Cumberland Mutual | $64 | $131 |
| Travelers | $67 | $116 |
| Erie Insurance | $71 | $135 |
Average Maryland Car Insurance Cost By City
Location creates car insurance cost differences in Maryland, with full coverage ranging from $112 monthly in Cumberland to $264 in Gwynn Oak. Where you live plays a major role in Maryland car insurance pricing across the state's regions.
The $152 monthly gap between the cheapest and most expensive cities shows how city size and population density affect insurance costs. Compare rates for your city in the table.
Data filtered by:
Abell
| Full Coverage | $134 | $1,613 |
| Minimum Coverage | $78 | $930 |
*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by state law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
Is Maryland Car Insurance Expensive?
Maryland ranks 44th in affordability for full coverage and 46th for minimum coverage policies, making it one of the costliest states for car insurance in our 2025 study. Your costs vary based on your city.
Why Is Car Insurance More Expensive In Maryland?
Here's what drives Maryland's car insurance costs:
High Uninsured Driver Rate
Maryland has a high rate of uninsured drivers compared to other states, with a substantial percentage lacking insurance coverage. Many Maryland drivers can't pay for damages they cause in crashes. The high rate of uninsured drivers increases costs for insured drivers and makes uninsured motorist coverage valuable.
Required Personal Injury Protection Coverage
Maryland requires personal injury protection coverage with a minimum amount, though many policies offer higher limits. PIP is "no-fault" coverage that pays medical bills and a percentage of lost wages regardless of who caused the accident. Many Maryland drivers waive their PIP coverage to save money, losing benefits if they're in an accident.
Contributory Negligence Laws
Maryland follows contributory negligence laws, meaning you can't recover damages in a third-party claim if you're even 1% responsible for the accident. This harsh legal standard makes PIP coverage valuable since it provides no-fault benefits regardless of who caused the accident. The strict liability rules leave accident victims with limited recovery options if they share any fault.
Fourth-Highest Car Theft Rate Nationally
Maryland ranks as the state with the fourth-highest rate of car theft, with theft rates well above the U.S. average. The state saw tens of thousands of motor vehicle thefts in recent years. This high theft rate affects comprehensive coverage costs statewide.
High Population Density and Traffic Congestion
Maryland has high population density, leading to more traffic congestion and accidents. The state has several busy highways, including I-95, and areas around Baltimore and Washington D.C. see heavy traffic. Crashes happen more often in dense areas like Baltimore and Washington D.C., driving up insurance rates.
Baltimore Crime and Car Theft Crisis
Baltimore has the highest car insurance rates in Maryland with average annual premiums much higher than rural counties. Car theft has increased sharply in Baltimore, with many stolen cars being Kias and Hyundais due to viral TikTok videos showing how to steal them.
State Insurance Fund for High-Risk Drivers
Maryland operates the Maryland Auto Insurance Fund as a "carrier of last resort" for drivers who can't get insurance from private companies. MAIF covers many drivers in low-income areas who have older cars and live paycheck to paycheck. The fund helps high-risk drivers get required coverage, though at higher rates than standard policies.
Rising Insurance Costs
Maryland drivers see substantial rate increases, with some paying much higher premiums despite clean driving records. Auto insurance claims and expenses have jumped in recent years. Rising costs of car repairs due to new technology and features, plus more uninsured drivers, drive higher premiums for all Maryland drivers.
How To Lower Car Insurance Costs In Maryland
Want to cut your car insurance costs? Here's how to lower your rates:
- 1Decide on coverage needs beforehand
Decide on your coverage needs before shopping so you aren't oversold on coverage you don't need. Consider your budget, driving habits, car value and risk tolerance.
- 2Research costs and discounts
Know the average costs for your profile and coverage level to spot good deals. Research car insurance discounts you qualify for and check home and auto insurance bundles for additional savings.
- 3Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with providers to narrow down which companies to compare. Check industry studies, review sites and public forums like Reddit for research.
- 4Compare quotes through multiple means
Compare quotes from several companies side by side to find the best deal. Use online comparison sites and independent agents since pricing varies by method.
Cost of Car Insurance in Maryland: Bottom Line
Maryland car insurance costs rank among the most expensive in the United States. Decide on your coverage needs first, research companies thoroughly and compare quotes from several insurers to get the best rates.
Cost of Car Insurance in Maryland: FAQ
We answer common questions about Maryland car insurance costs:
How much is Maryland car insurance per month?
Per month, Maryland car insurance costs $86 for minimum coverage and $150 for full coverage policies. However, rates can range anywhere from $80 to $383 monthly depending on your unique driver profile and coverage choice.
What factors affect Maryland car insurance costs?
Your driving record, age, and location affect your rates, with accidents, violations, and younger drivers facing higher costs. Urban areas cost more than rural ones.
Why is Maryland car insurance so expensive?
Maryland requires personal injury protection coverage with minimum $2,500 (though many drivers waive it) and has high minimum coverage requirements of 30/60/15. The state has about 8.5% uninsured drivers and faces vehicle theft risks, particularly in urban areas like Baltimore. Maryland's high population density and urban concentration contribute to elevated insurance costs.
How expensive is Maryland car insurance?
Maryland ranks 46th in affordability for minimum coverage and 44th overall for full coverage, making them one of the most expensive places to get auto insurance in the U.S.
How We Determined Maryland Car Insurance Costs
Maryland drivers face some of the highest insurance costs in the country, so we analyzed rates across every zip code and city in the state to show you what you'll actually pay.
Our sample driver profile: We quoted rates for a 40-year-old driver with a clean driving record, good credit and a 2012 Toyota Camry LE. This profile represents a typical Maryland driver and lets you see how rates vary by location and coverage level.
Coverage definitions: Minimum coverage reflects Maryland's required liability limits. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles. We chose these limits because they provide substantially better protection than minimum coverage while remaining affordable for most drivers.
Why location matters in Maryland: We gathered quotes from every available zip code because your city dramatically affects your rate. The $152 monthly gap between Cumberland and Gwynn Oak shows how urban density, crime rates and traffic patterns influence what you pay. Baltimore drivers see the highest costs due to elevated theft rates and accident frequency, while rural areas offer lower premiums.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Fox Baltimore . "Car Thefts in Maryland Exceed National Average by 118%, Study Reveals ." Accessed October 31, 2025.
- The Baltimore Banner . "Baltimore Highest Car Insurance Rates ." Accessed October 31, 2025.
