Average Cost of Car Insurance in Maryland for 2026

Maryland drivers pay $150 per month for full coverage car insurance, higher than the national monthly cost of $124. Minimum coverage costs an average of $86, $26 more than the national average.

Multiple factors affect car insurance costs in Maryland. Your location, age and driving record lock in your baseline. But the insurance company you choose, deductible and coverage limits are variables that affect premiums that a driver can act on today.

The difference between Maryland's cheapest and most expensive coverage options is $117 per month. Minimum liability only costs $89 per month ($1,066 per year), while minimum liability with comprehensive and collision at a $0 deductible costs $206 per month ($2,472 per year). Adding comprehensive and collision to minimum liability at a $1,000 deductible costs $11 more per month ($100 vs. $89), but the standard full coverage benchmark of 100/300/100 with a $1,000 deductible costs $154 per month ($1,844 per year).

The deductible amount you choose will affect your premium more than the liability limit upgrades do. If you lower your deductible from $1,000 to $0 on minimum liability, you’ll pay an additional $106 per month ($206 vs. $100) on average. A 50/100/50 coverage with a $500 deductible costs $150 per month, compared to $129 for minimum liability with a $2,000 deductible. That $21 monthly difference buys stronger liability protection and a deductible that is $1,500 lower on any claim.

Baltimore drivers pay $248 per month for full coverage, $135 more per month than Hagerstown at $113, a $1,620 per year gap across Maryland's 10 largest cities. The $135 monthly difference between these two cities is larger than Maryland's entire minimum coverage average of $86 per month, which means location alone costs more than a separate coverage tier in the cheapest part of the state. Baltimore drivers pay more because of dense traffic, elevated theft rates and the increased accident frequency that comes with a city of over 600,000 residents. 

If you’re a clean-record driver in Baltimore paying above $248 per month for full coverage, review your company choice before adjusting your coverage as costs vary among insurers.

Age and gender affect car insurance rates across all Maryland carriers. Drivers under 18 can’t legally buy individual car insurance in Maryland, so a family plan is the only available option at that age. A 16-year-old male added to a family plan in Maryland costs $499 per month ($5,991 per year), while a 16-year-old female costs $431 per month ($5,177 per year). That’s a $68 monthly difference at the same age.

A 21-year-old male adds $306 per month ($3,675 per year) to a family plan; a 21-year-old female adds $282 per month ($3,389 per year). By the early 20s, individual car insurance policies from some carriers begin pricing competitively against the family plan add-on cost. Get standalone individual quotes alongside the family plan renewal to see which option is lower, since some companies price individual coverage below the family add-on rate for drivers with clean records.

Use our free calculator to estimate your Maryland car insurance cost based on your age and driver profile.

A DUI raises Maryland full coverage premiums by $167 per month, from $154 to $321, a 108% increase that more than doubles the cost of insurance. Maryland penalizes not-at-fault accidents: a clean record costs $154 per month, and a not-at-fault accident pushes that to $167, a $13 monthly increase ($156 per year) for an incident the driver didn’t cause. An at-fault accident adds $81 per month ($972 per year) over a clean record, reaching $235 per month. A speeding ticket adds $39 per month ($468 per year).

Drivers may also have limited carrier options after a serious violation. Insurance companies in Maryland view these drivers as riskier to insure because past infractions may predict future claims.

Maryland drivers with bad credit pay $266 per month for full coverage, $121 more per month than the $145 paid by drivers with good credit. That $121 monthly difference adds up to $1,452 per year on full coverage alone, more than the total annual cost of minimum coverage for a driver with good credit at $84 per month ($1,008 per year).

Maryland allows insurers to use credit-based insurance scores when setting premiums. Low-income Maryland drivers with poor credit can reduce premiums over time by improving their credit rating.

Your rate will depend on your vehicle and its features. A Tesla Model Y costs $304 per month to insure in Maryland, $94 more per month than a Ford F-150 at $210, the widest difference between any two models in our analysis.

The Tesla Model 3 costs $267 per month for full coverage, $31 more per month than the Toyota RAV4 at $236. The $94 monthly premium for the Model Y over the F-150 is due to the higher cost of EV-specific parts and battery-related repairs, which drive up claim severity in a state where urban accident frequency is already elevated.

Several factors, including the company you choose, where you live, your vehicle, your driving record, your age, your credit score, and the coverage level you buy, affect how much your car insurance premium will be.

The right policy is the lowest price from a company that will pay your claim. Your driver profile determines which company that is. The same coverage for the same driver profile costs an average of $89 per month at GEICO and $135 at Erie. 

Comparing multiple insurers is the most reliable way to find a lower rate. Get quotes from at least three carriers before renewal to see how costs differ across insurers. You can start by comparing the cheapest car insurance in Maryland and the best car insurance companies in Maryland.

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.