Travelers ranks as the best car insurance company in Maryland, based on earning a MoneyGeek score of 4.6 out of 5 for its strong performance in affordability, customer satisfaction and coverage options. Since insurance needs vary by individual, other excellent options include Erie, GEICO, State Farm and Nationwide.
Best Car Insurance in Maryland
Updated: August 28, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Maryland is Travelers, ranking second statewide for customer satisfaction.
Erie offers the best coverage for drivers with bad credit in Maryland, while Travelers stands out for drivers with newer vehicles in Maryland.
To find the right coverage in Maryland, determine your needs first, research provider options and compare plenty of quotes before making your choice.
Best Car Insurance Companies in Maryland
| Travelers | 4.60 | $91 | 2 | 5 |
| Erie | 4.56 | $103 | 1 | 3 |
| GEICO | 4.43 | $70 | 5 | 6 |
| State Farm | 4.28 | $91 | 4 | 6 |
| Nationwide | 4.11 | $107 | 6 | 5 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Maryland by Driver Profile
Erie leads in seven out of ten driver categories in Maryland, showing particular strength in high-risk segments. Travelers stands out in three specific areas: coverage for adult drivers and both newer and older vehicles.
| Young Drivers | Erie | 2 | 1 | 3 |
| Adult Drivers | Travelers | 4 | 2 | 5 |
| Senior Drivers | Erie | 5 | 1 | 3 |
| Drivers With an Accident | Erie | 5 | 1 | 3 |
| Drivers With a DUI | Erie | 3 | 1 | 3 |
| Drivers With a Speeding Ticket | Erie | 4 | 1 | 3 |
| Drivers With Bad Credit | Erie | 4 | 1 | 3 |
| Drivers With Low Income | Erie | 2 | 1 | 3 |
| Drivers With Newer Cars | Travelers | 2 | 1 | 4 |
| Drivers With Old Cars | Travelers | 4 | 1 | 4 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Maryland Car Insurance Recommendations
Our general recommendations provide a starting point, but your unique profile might need different Maryland car insurance options. Check out these five top providers to find coverage that matches your specific needs.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Erie | 4.69 | $238 | 1 | 3 |
| Travelers | 4.43 | $281 | 2 | 5 |
| Nationwide | 4.33 | $221 | 6 | 5 |
| Cumberland Mutual | 4.32 | $176 | 8 | 7 |
| GEICO | 4.29 | $211 | 5 | 6 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Maryland Car Insurance Reviews
Check out our detailed service reviews for the top insurance companies in each category below.
Travelers
Best Overall in Maryland
MoneyGeek Rating
4.6/ of 5
4.6/5Affordability
4.8/5Customer Experience
3.9/5Coverage Options
Average Monthly Full Coverage Cost
$116For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$67For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
IntelliDrive Plus Program
Erie
Best Customer Experience and Coverage Options in Maryland
MoneyGeek Rating
4.6/ of 5
4.4/5Affordability
5/5Customer Experience
4.2/5Coverage Options
Average Monthly Full Coverage Cost
$135For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$71For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.5/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Rate Lock Protection
How to Find the Best Car Insurance in Maryland
Finding the best car insurance in Maryland can be difficult, so we've created the following guide to assist you in finding the right fit.
- 1
Decide on coverage needs before you buy
Know what coverage you need. Consider your driving habits, location and finances when selecting auto insurance that meets Maryland required minimums
- 2
Research average costs and discounts you may qualify for
Start by researching average car insurance costs in Maryland to understand typical prices for your driver profile. Look into savings opportunities like home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can also reduce your premium costs
- 3
Look through provider customer experiences and coverage options thoroughly
Research customer reviews and claims handling processes. Examine available add-ons and extra coverage options to find a provider that suits your needs.
- 4
Consider non-standard coverage options
Look into specialized options like non-owner car insurance or pay-per-mile policies if they better suit your situation. Different providers may be better suited if you need an SR-22 in Maryland
- 5
Compare plenty of quotes through multiple means
Getting multiple quotes helps you find the cheapest option possible. Compare rates using quotes from independent agents, direct from providers and online comparison tools.
- 6
Reassess annually
Review your coverage and compare rates annually to make sure you have the best deal for coverage and cost.
Best Maryland Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Travelers is the top-rated company overall, while Erie and GEICO are also good options for drivers in Maryland.
Best Auto Insurance in Maryland: FAQ
Finding the right car insurance depends on your unique needs, so we've gathered answers to common questions to help you choose your ideal policy.
What is the best car insurance company in Maryland?
Travelers Insurance leads Maryland's auto insurance market, with a MoneyGeek score of 4.6 out of 5.
What is the best car insurance company for minimum coverage in Maryland?
GEICO leads the pack for minimum coverage in Maryland, offering rates starting at $611 per year.
What is the best car insurance in Maryland for young drivers?
Erie is the top choice for young adults in Maryland, offering competitive rates around $141 per month and excellent customer service ratings.
What is the best car insurance for Maryland drivers who value customer service?
Erie leads customer experience in Maryland with a 5 out of 5 rating. The company excels in their purchase experience, agent interactions, digital policy tools and claims handling.
What is the best car insurance in Maryland if you have driving offenses?
Erie is the leading choice for Maryland motorists with driving violations. Monthly premiums average $82 for minimum coverage and $156 for full coverage.
How We Rated the Best Car Insurance in Maryland
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Maryland. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Maryland. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Maryland-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.