Average Cost of Car Insurance in Maryland for 2026

Your age, location and driving history set your baseline rate, while coverage limits, deductible amounts and which insurer you choose remain within your control. 

Jump to:

• State Rates vs. National Average
• Is Maryland Car Insurance Expensive?
• Cheapest Companies in Maryland
• Cost by City
• Cost by Age and Gender
• Cost by Driving Record
• Cost by Credit Score
• Cost by Coverage Level
• Cost by Vehicle

Maryland drivers pay $150 per month for full coverage car insurance and $86 per month for minimum coverage. Both coverage types cost more than the national average, making Maryland pricier for auto insurance.

Maryland drivers pay $344 more per year than the national average for full coverage and $342 more for minimum coverage. Only seven states have more expensive car insurance than Maryland, which ranks 44thth out of all 50 states and Washington, D.C.

Only seven states have higher full coverage rates than Maryland, which ranks 44thth out of all 50 states and Washington, D.C. This means car insurance is expensive in Maryland.

Maryland's rates are due to dense urban areas, a litigation-friendly legal environment and heavy traffic congestion throughout the Baltimore-Washington corridor. 

The combination of metropolitan traffic patterns and Maryland's court system creates a costly environment for insurers, who pass these expenses to drivers through higher premiums (see rates by city). 

Vermont offers the cheapest full coverage at $75 per month, while Florida tops the list at $243 per month. Maryland ranks between Texas and Nevada in the national affordability rankings.

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GEICO offers the most affordable car insurance in Maryland at $89 per month for full coverage and $51 per month for minimum coverage, which is 41% less than the state average. State Farm and Travelers are tied for second place among the cheapest options for Maryland drivers.

Comparing multiple insurers is the most reliable way to find a lower rate. Each company uses its own formula to calculate premiums, so the same driver profile can produce very different quotes across insurers.

Read more: Cheapest and Best Car Insurance Companies in Maryland

Car insurance rates vary widely across Maryland's largest cities depending on where you live. Baltimore and College Park drivers pay the highest costs, paying $248 and $186 per month respectively for full coverage. Hagerstown and Salisbury offer the most affordable rates among the state's 10 largest metros at $113 and $119 per month.

Hagerstown's lower population density and reduced traffic congestion compared to major urban centers help keep full coverage rates affordable. Baltimore pays higher premiums due to dense city traffic, elevated theft rates and the increased accident frequency that comes with over 600,000 residents. The gap between the most and least expensive of Maryland's 10 most populous cities reaches $135 per month, or $1,620 per year.

Young drivers in Maryland can save over $2,000 per year by staying on family policies instead of getting individual coverage. Age and gender affect car insurance rates in the state, with 16-year-old males costing $9,985 annually on family policies and females averaging $8,628. Both amounts represent roughly seven to eight times adult rates in Maryland. Premiums drop steadily through the early 20s and stabilize around age 25.

The data reflects average annual premiums when adding a young driver to a household policy shared with two 50-year-old parents. You can toggle between male and female rates to compare costs by gender. A 16-year-old male purchasing individual coverage pays $12,027 per year compared to $9,985 on a family policy, creating annual savings of $2,042 for families who keep teens on shared plans.

A DUI adds $167 per month to full coverage premiums in Maryland, representing a 108% increase over a clean driving record. Even a speeding ticket pushes rates up by 25%, making any violation costly for Maryland drivers. Your driving history determines whether you'll pay $154 per month with a clean record or pay higher premiums with violations on file.

Insurance companies in Maryland view drivers with violations as riskier to insure because past infractions predict future claims.

Drivers with bad credit pay $266 per month for full coverage in Maryland, nearly 1.8 times more than the $145 that drivers with good credit pay. Maryland allows insurers to use credit-based insurance scores when setting premiums. This means your credit history can impact your car insurance costs in the state.

Low-income Maryland drivers with poor credit scores can reduce their car insurance premiums by working to improve their credit rating.

Upgrading from basic liability to comprehensive coverage in Maryland adds $84 per month to your car insurance bill. State minimum liability costs $89 per month, while a high-limit 300/500/300 policy with comprehensive and collision runs $173 per month.

A Tesla Model Y costs $304 per month to insure in Maryland, compared to $210 for a Ford F-150 — a 45% difference. Vehicle make and model affects your insurance premium in Maryland. These models represent some of the best-selling vehicles nationally by sales volume. Your rate will depend on your vehicle and its features.

A Tesla Model Y costs $304 per month for full coverage compared to $210 for a Ford F-150, creating a $94 monthly difference. Electric vehicles cost more to insure because specialized parts, battery replacement expenses and higher repair costs drive up claim severity when accidents occur. Drivers who want to keep insurance costs down can choose a Honda Civic or Toyota Camry, which save roughly $80 per month compared to a Model Y.

Car insurance rates in Maryland can differ by hundreds of dollars depending on whether you live near Baltimore or in the state's rural counties. These are the questions drivers ask most when trying to understand what affects their premiums.

We used this profile to determine auto insurance costs across all available ZIP codes and cities in the state.

• 40 years old
• Clean driving record
• Good credit
• 2012 Toyota Camry LE

Sections showing costs by age and driving record use rates for those driver profiles, with all other factors remaining the same.

Minimum coverage represents the state's minimum liability coverage requirements. Full coverage includes a policy with 100/300/100 liability limits and a $1,000 deductible for both comprehensive and collision coverage.