The Best Car Insurance in Maryland

The best car insurance company in Maryland is Travelers for most drivers. Erie, GEICO, State Farm and Nationwide rank highly and are the best insurance for certain driver profiles.

Find the best car insurance for you in Maryland today.

Written by Mark Fitzpatrick

Updated: December 29, 2025

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Quick Take: What Is the Best Car Insurance for Maryland Drivers?

Best Overall for Adult Drivers: Travelers, 4.62/5 stars

Travelers is the best car insurance across driver types in Maryland, with strong customer experience scores (4.8/5) and competitive rates. Adult drivers pay $118 monthly for full coverage. The company balances coverage options and customer service, making it the top choice for adult drivers. Read more

Best for Young Drivers or Those With a Violation: Erie Insurance, 4.41/5 stars

Erie ranks best for young drivers and those with violations through perfect customer experience scores (5.0/5) and comprehensive coverage options (4.2/5). Young drivers pay $270 monthly and drivers with accidents pay $196 monthly. The company provides personalized support for high-risk drivers. Read more

Best Cheap: GEICO, 3.77/5 stars

GEICO ranks best in our analysis of average rates for Maryland drivers with perfect affordability scores (5.0/5) and the lowest average rates at $70 monthly. Customer service scores are lower than competitors, but GEICO delivers solid value for budget-conscious drivers who prioritize savings. Read more

Best Car Insurance Companies in Maryland

Travelers leads overall with strong customer experience (4.8/5) and balanced coverage. Erie ranks second with perfect customer service ratings (5.0/5). GEICO ranks third for budget-conscious drivers seeking low rates at $70 monthly. The table shows top-rated car insurance company scores in Maryland based on affordability, customer experience and coverage options:


Travelers	4.60	$91	2	5
Erie Insurance	4.56	$103	1	3
Geico	4.43	$70	5	6
State Farm	4.28	$91	4	6
Nationwide	4.11	$107	6	5

Best Car Insurance in Maryland by Driver Profile

The best car insurance in Maryland depends on your driver profile. Erie has the best rates in seven driver categories in Maryland. Travelers is best for three categories.

Best for Young Drivers (16 to 25): Erie. Young drivers pay $270 monthly with Erie, beating competitors who charge $300 or more for this high-risk category. Family plan discounts reduce costs when adding teens to parents' policies. Accident forgiveness programs and good student discounts provide additional savings.
Best for Senior Drivers (65+): Erie. Seniors pay $141 monthly with Erie. Defensive driving course credits earn age-specific discounts and lower premiums. The company rewards experienced drivers and maintains coverage options that fit fixed incomes.
Best With an At-Fault Accident: Erie. Drivers with accidents pay $196 monthly with Erie. Accident forgiveness prevents immediate rate increases and saves $300 to $500 annually. Erie's forgiveness policy keeps your rates from spiking after your first accident.
Best With a Speeding Ticket: Erie. Erie applies smaller penalties for speeding tickets at $156 monthly versus $180+ at other Maryland companies. Point reduction programs and safe driving courses help minimize long-term rate impacts.
Best With Bad Credit: Erie. Erie weighs credit factors less heavily than competitors, focusing more on driving history. Drivers with bad credit pay $212 monthly with Erie versus $280+ at credit-sensitive insurers. Rates drop as your credit improves.


Young Drivers	Erie Insurance	2	1	3
Adult Drivers	Travelers	4	2	5
Senior Drivers	Erie Insurance	5	1	3
Drivers With An Accident	Erie Insurance	5	1	3
Drivers With A DUI	Erie Insurance	3	1	3
Drivers With A Speeding Ticket	Erie Insurance	4	1	3
Drivers With Bad Credit	Erie Insurance	4	1	3
Drivers With Low Income	Erie Insurance	2	1	3
Drivers With Newer Cars	Travelers	2	1	4
Drivers With Old Cars	Travelers	4	1	4

Best Maryland Car Insurance Reviews

Our research team analyzed dozens of insurers to identify the top three car insurance providers: Travelers, Erie Insurance and GEICO. Each company stands out for specific driver profiles and coverage needs. Below, we break down our detailed analysis of these leading insurers:

Best Overall for Adult Drivers: Travelers

Travelers

Best Overall for Adult Drivers

MoneyGeek Rating

4.6/ 5

4.6/5Affordability

4.8/5Customer Experience

3.9/5Coverage Points

Average Monthly Full Coverage Cost
$116
Average Monthly Minimum Coverage Cost
$67
Agent Service Score
4.2/5
Most Unique Coverage Add-On
IntelliDrive Plus Program

pros
- Ranks first overall among Maryland car insurance providers
- Ranks second in customer experience with strong service ratings
- Best overall choice for adult drivers seeking comprehensive coverage
- Offers digital claims processing and mobile app convenience
cons
- Coverage options rank lower than several Maryland competitors
- Not the most affordable option for budget-conscious drivers
Travelers is our top choice for most Maryland drivers. It combines strong customer service, competitive rates and extensive coverage options. Travelers ranks best for drivers with both newer and older vehicles.
Adult drivers with Travelers pay $118 monthly for full coverage and $68 monthly for minimum coverage. These rates rank third in the state for affordability.
Travelers offers bundling discounts, safe driver discounts and multi-vehicle savings. The IntelliDrive telematics program can reduce premiums up to 30%. Students with good grades and defensive driving course completions qualify for additional savings.
Travelers earns a 4.8 out of 5 customer experience score, ranking second among Maryland insurers. The mobile app handles claims filing, policy management and digital ID card access. Local claim offices throughout Maryland provide faster response to coastal storms and urban theft.
Many claims resolve within 24 to 48 hours. Digital tools streamline policy management. 24/7 customer support provides emergency assistance.
Travelers provides standard liability, collision and comprehensive coverage plus add-ons like new car replacement, accident forgiveness and identity fraud protection. Flexible deductible options and coverage limits match different budgets. Green car discounts for hybrid vehicles and custom equipment coverage are available.

Weather-related coverage protects against coastal storm damage and urban theft. Coverage options rank fifth among Maryland competitors. Business use and rideshare require commercial endorsements.

Best for Young Drivers or Those With a Violation: Erie

Erie

Best for Young Drivers or Those With a Violation

MoneyGeek Rating

4.6/ 5

4.4/5Affordability

5/5Customer Experience

4.2/5Coverage Points

Average Monthly Full Coverage Cost
$135
Average Monthly Minimum Coverage Cost
$71
Agent Service Score
4.45/5
Most Unique Coverage Add-On
Rate Lock Protection

pros
- Ranks first in Maryland for customer experience
- Ranks second overall among Maryland insurers
- AM Best A+ rating demonstrates superior financial strength
- Best for drivers prioritizing personalized local agent service
cons
- Limited geographic availability restricts coverage area options
- Higher premiums compared to budget-focused competitors
Erie ranks as our second-best overall choice for Maryland drivers, excelling for young drivers and those with violations. The company combines exceptional customer service (ranked #1 with a perfect 5.0 rating) with strong coverage options.
Erie's specialized approach justifies slightly higher rates for high-risk drivers. Young drivers and those rebuilding their record benefit from Erie's claims handling and support network throughout Maryland.
Erie offers competitive rates for high-risk drivers. Full coverage averages $135 monthly, while minimum coverage costs $71 monthly.
Young drivers pay $270 monthly with Erie, beating competitors who charge $300 or more. Drivers with accidents pay $196 monthly. Drivers with DUIs or speeding tickets pay $156 monthly.
Erie leads Maryland insurers with a perfect 5.0 customer experience rating. Strong local presence throughout Maryland enables faster response to coastal storms and urban theft claims.
The mobile app handles policy management efficiently. Claims processing times are shorter than competitors. Support staff understand Maryland-specific risks and regulations.
Erie provides comprehensive coverage options beyond standard liability, collision and comprehensive protection. The company offers roadside assistance, rental reimbursement, gap coverage and custom vehicle modification protection.
Flexible coverage works well for coastal storm damage and urban theft risks. Erie customizes coverage for high-risk drivers. Business use and commercial applications remain excluded.

Best Cheap

GEICO

Best Cheap

MoneyGeek Rating

4.4/ 5

5/5Affordability

3.7/5Customer Experience

2.9/5Coverage Points

Average Monthly Full Coverage Cost
$89
Average Monthly Minimum Coverage Cost
$51
Agent Service Score
4.2/5
Most Unique Coverage Add-On
Mechanical Breakdown Insurance

pros
- Ranks first in affordability among Maryland insurers
- Best for budget-conscious drivers seeking cheap coverage
- Strong mobile app with digital claims processing
- Backed by Berkshire Hathaway financial strength
cons
- Limited coverage options compared to competitors
- Below-average customer service experience ratings
GEICO ranks best in our analysis of average rates for Maryland drivers. The digital experience includes an intuitive app, fast quotes and online claims handling.
GEICO's monthly premiums average $70. Full coverage averages $89 monthly, while minimum coverage averages $51. Rates are competitive for drivers with clean records and older vehicles.
Low-income drivers and retirees see substantial savings. GEICO offers a 15% discount for military families.
GEICO has a customer experience rating of 3.7 out of 5 in Maryland. Wait times for phone support are longer than Travelers and Erie. Complex claims or detailed coverage questions take more time.
Claims processing during weather events may take longer than local competitors. Travelers and Erie's local relationships provide faster resolution during disaster-related claim surges.
GEICO offers standard liability, collision and comprehensive coverage. The company provides mechanical breakdown coverage for newer vehicles and emergency roadside assistance.
Coverage customization is limited compared to Travelers and Erie. Drivers get essentials without specialty protections. Older vehicles or basic coverage needs work fine. Drivers seeking pet injury coverage or gap insurance need to look elsewhere.

Rates at the Best Car Insurance Companies in Maryland

Rates from the best car insurance companies in Maryland are mostly below the state's average of $86 for minimum coverage and $150 for full coverage. GEICO has the best rates overall at $89 monthly for full coverage. Travelers rates are the second best for full coverage at $116 monthly. State Farm rates are the third best for full coverage and the second best for minimum coverage in the state.

See our guide to average auto insurance costs in Maryland.


Geico	$89	$51
Travelers	$116	$67
State Farm	$118	$63
Nationwide	$130	$83
Cumberland Mutual	$131	$64
Erie Insurance	$135	$71

Maryland's best car insurance company rates vary by driver profile, with clean driving profiles and middle-age drivers costing the least and profiles with violations and poor credit costing the most. Each of the best companies stands out for different driver types. Match your profile to see which company has the best rate in Maryland.


Drivers With Newer Cars	Travelers	$115	$66
Adult Drivers	Travelers	$118	$68
Drivers With Old Cars	Travelers	$126	$72
Drivers With Low Income	Erie Insurance	$136	$60
Senior Drivers	Erie Insurance	$141	$74
Drivers With A DUI	Erie Insurance	$156	$82
Drivers With A Speeding Ticket	Erie Insurance	$156	$82
Drivers With An Accident	Erie Insurance	$196	$105
Drivers With Bad Credit	Erie Insurance	$212	$90
Young Drivers	Erie Insurance	$270	$141

How to Find the Best Car Insurance in Maryland

Getting the best car insurance in Maryland means selecting adequate coverage for state risks and finding competitive rates.

1
Choose Adequate Coverage
- Maryland minimum requirements: $30,000 per person bodily injury liability, $60,000 per accident, $15,000 property damage. Maryland also requires uninsured motorist coverage at 30/60/15. These minimums meet state law but aren't the best coverage for a serious accident.
- The best coverage for most Maryland drivers is 100/300/100 ($100,000 in liability coverage to protect wages and assets) and comprehensive and collision coverage for protection against storm damage, theft and at-fault accidents. Maryland requires uninsured motorist coverage, which protects from drivers without insurance. Learn more about how much coverage you need.
2
Secure Lower Rates
- Compare quotes: The best way to save on rates is to compare at least three quotes from Maryland insurers rather than assuming one company is cheapest. Rates vary between carriers. See the cheapest companies in Maryland.
- Improve your risk profile to lower rates: Taking a Maryland-approved defensive driving course can earn discounts and shopping after violations will minimize rate impacts. Paying off debt and improving your credit score can reduce rates by up to 70% in Maryland.
- Discounts add up: Good driver discounts (10% to 20%), multi-car discounts (10% to 25%), paperless billing (3% to 5%) and automatic payment (2% to 5%) stack on top of base rates. Bundling home and auto insurance adds another 15% to 25% savings in Maryland.

Best Auto Insurance in Maryland: FAQ

Our insurance experts answer the most common questions about finding the best car insurance in Maryland:

What's the best comprehensive deductible for Maryland drivers?

Pick a $500 or $750 comprehensive deductible in high-theft areas like Baltimore. Lower deductibles make sense given Maryland's severe hailstorms and winter ice storms that frequently damage vehicles. The reduced out-of-pocket expense during claims justifies slightly higher premiums.

Is full coverage the best choice for my older paid-off car in Maryland?

Keep full coverage for cars worth $10,000 or more given Maryland's severe winter storms, coastal flooding and higher theft rates in urban areas like Baltimore. Drop comprehensive and collision for vehicles under $5,000. Maintain full coverage without emergency savings regardless of vehicle value. With adequate savings and an older car, removing these coverages cuts insurance costs.

What is the best Maryland car insurance for customer service?

Erie leads Maryland for customer service with a perfect 5.0 rating.

What is the best car insurance in Maryland for the lowest rates?

GEICO offers the lowest rates. See our analysis of the cheapest car insurance companies in Maryland.

What's the cost of car insurance in Maryland?

Maryland car insurance costs $150 monthly for full coverage and $86 for minimum coverage. See the average cost of car insurance in Maryland.

How We Rated the Best Car Insurance in Maryland

We researched more than 70 companies in Maryland, from national to small local providers across all U.S. residential ZIP codes in Maryland. We also analyzed customer reviews, discounts and coverage details to give you a complete picture of each provider's services.

Here's how we score each company in Maryland:

Affordability (60%): 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 analyzed rates in Maryland by driver profile to make sure you get the best rate.
Customer experience (30%): 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 best score.
Best coverage options (10%): This score considers the breadth of coverage options a company offers and unique coverage features.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.

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