The overall best car insurance provider is Erie. It’s also ideal for young adults, senior drivers, the best for minimum coverage, customer service and those with a bad driving record. Travelers would suit you best if you drive a new car. With a military background, you should opt for USAA’s policies.
MoneyGeek found the cheapest car insurance in Maryland for drivers looking to save money on premiums regardless of the service quality.
Best Car Insurance in Maryland
Best Overall for Car Insurance in Maryland
MoneyGeek found that Erie provides the best car insurance in Maryland.
Based on our analysis, the following companies are the top car insurers in the state:
- Erie: MoneyGeek score of 87 out of 100 ($1,137 per year)
- Progressive: MoneyGeek score of 86 out of 100 ($885 per year)
Erie ranks first in claims management and satisfaction score in the state.
To help you save, MoneyGeek researched the cheapest full coverage car insurance in Maryland.
Ranking highly on customer service and affordability, State Farm is the next-best option, according to our analysis. Expect to pay an average of $699 per year for a full coverage policy with this insurer — which is the cheapest rate in Maryland — but be prepared for limited coverage options.
Erie offers good customer support and convenient claims settlement. It provides rare coverages like glass deductible modification, better car replacement and personal property insurance.
Glass deductible modification coverage helps you repair your windshield and waives the deductible. You can also add full window glass coverage that will waive your deductible even if you replace the entire windshield. You will also get new wiper blades with this coverage in case of glass replacement.
If you total your new car within the first two years, Erie will replace it with the latest model year if you purchase its better car replacement coverage.
Personal property coverage protects items stored in the car, like clothing or luggage. However, it only offers compensation of up to $350.
Progressive scored the highest for affordability and coverage among other insurers. It offers custom parts coverage that covers damages to after-market parts. The company charges an annual cost of $885, the cheapest in Maryland.
Progressive provides the cheapest policies and offers various common and rare coverages.
The company offers custom parts coverage, which covers damages to after-market equipment installed in the vehicle, including stereos, navigation systems, custom wheels and even a paint job. However, there’s a $5,000 limit for this coverage.
Pet coverage is another rare coverage offered by Progressive. With the company’s Pet Injury Protection, you’ll receive up to $1,000 for medical care if your pet is injured in an auto collision.
You can also add coverages like accident forgiveness to your policy. It benefits drivers who have remained claims-free and violation-free for several years. With this coverage, your rate won’t increase if the claim amount is up to a specific limit — even if you’re at fault in an accident.
Meanwhile, Progressive’s rental car or travel reimbursement coverage covers the cost of a rental vehicle when your vehicle is getting repaired.
How the Best Insurers in Maryland Rank: MoneyGeek Scores and Costs
MoneyGeek gathered information about nine insurers in Maryland and determined that Progressive is the best car insurance company.
Although Progressive has the highest scores for affordability and coverage, it doesn’t perform as well in customer satisfaction or claims management. The second-best option, Erie, scored the highest in claims management and customer satisfaction.
We only analyzed full coverage policies in this analysis. Insurers qualified for an overall MoneyGeek score if enough information was available about their policies for all scoring components.
Best Car Insurance in Maryland for Customer Service
Erie provides the best customer service among auto insurers in Maryland, regardless of the cost.
The following companies offer the best customer service based on MoneyGeek’s analysis:
- Erie: MoneyGeek score of 91 out of 100 ($1,137 per year)
- Travelers: MoneyGeek score of 90 out of 100 ($1,130 per year)
Erie has the highest ranking for customer satisfaction and claims management. Since it offers high-quality service, it charges higher rates than some other insurers.
Ranked number 1 for customer satisfaction
Ranked the highest for claims management
Offers various standard and rare coverages with its policies
Ranks in the middle of the pack for affordability
Erie provides its policyholders with various common and rare coverages, including those for pets, locked vehicles and more.
With Erie’s pet coverage, you’ll receive up to $500 per pet and $1,000 per accident if your dog or cat is injured in a collision. Its locked car coverage provides locksmith services if you lock your keys in your vehicle.
With the coverages mentioned above, the company also offers exceptional customer service and resolves customer complaints promptly. Its high claims management score shows that the insurer manages your claim effectively.
What Makes an Insurer the Best for Customer Service?
An insurance provider with good customer service should listen to and resolve customer complaints efficiently and effectively. Companies that have a high customer satisfaction score usually also offer a timely claims filing and settlement process.
Since Erie ranks above Travelers for customer satisfaction and claims settlement, MoneyGeek recommends it as the best car insurance company in Maryland for high-quality service.
Best Car Insurance in Maryland for Minimum Coverage
Drivers looking for minimum coverage should get a policy from Erie, as it's the best insurer for such policies in Maryland. We chose this company after analyzing the cost and service quality of various minimum coverage policies available in the state.
The following companies offer the best minimum coverage in Maryland:
- Erie: MoneyGeek score of 92 out of 100 ($599 per year)
- Progressive: MoneyGeek score of 91 out of 100 ($531 per year)
Erie scored the highest for customer satisfaction and claims management.
If you’re prioritizing costs above all else, you can buy the cheapest auto insurance in Maryland. However, it won't necessarily offer comprehensive protection against damages.
Ranks in the top half of Maryland insurers for affordability
Ranked number 1 for claims management
Outstanding customer satisfaction
Lacks some popular coverage options
MoneyGeek analyzed Erie as the best car insurance company because it has moderately affordable rates for a minimum coverage policy and scores well for claims management.
In addition to the rare coverages we discussed earlier, Erie offers rideshare insurance and gap insurance. With rideshare insurance, you’ll receive coverage during every portion of the trip, including before you pick up your passengers and after you drop them off.
If you opt for Erie’s gap insurance and your car gets totaled, Erie will pay off your lease or loan (except for the deductible). It’s a great option for people who own newer cars.
What Makes an Insurer the Best for Minimum Coverage?
The policy's cost is important when choosing an insurer for minimum coverage. There are many instances when you get high-quality service from an insurer charging affordable rates.
Although Erie doesn't have the most affordable rates in Maryland, it ranks high for customer satisfaction and claims management, offering a great customer service experience. Also, its premiums aren’t too terribly high, ranking around the middle of the pack.
Best Car Insurance in Maryland for Young Adults
Based on MoneyGeek’s analysis, Progressive offers young adults the ideal car insurance policy in Maryland.
We ranked this insurer first based on the cost and service quality of full coverage policies for drivers in their 20s.
In Maryland, the following companies offer the best policies for young drivers:
- Progressive: MoneyGeek score of 90 out of 100 ($961 per year)
- Travelers: MoneyGeek score of 86 out of 100 ($1,323 per year)
Progressive offers the most affordable policies with many coverage options.
Drivers in their 20s usually pay much lower rates than teenagers, but rates for young adults are still higher than those for middle-aged drivers. To save money, you can look at the cheapest car insurance company for young drivers in Maryland.
Offers the most affordable policies for young adults
Many coverage options available
Provides various discounts for young drivers
Doesn’t rank well for claims management
Progressive charges the most affordable rates for young adults in Maryland. The company offers many common and rare coverages, earning it the highest score for coverage among the insurers we analyzed.
You can save money on premiums with this company by benefiting from various discounts it offers, like the good student discount that lowers your premium as a reward for excellent academic performance. It also has a distant student discount for students attending school far from home. If you’re not a student, you can take advantage of other discounts by switching to paperless billing and making full premium payments.
It also offers various coverages like gap insurance and rideshare insurance. The gap insurance coverage pays the difference between your unpaid loan amount and your car’s value in case you total your car in an accident. Rideshare insurance protects you from injuries and damages while waiting for a rideshare request while working for Uber or Lyft.
What Makes an Insurer the Best for Young Adults?
The best car insurer for young adults offers cheap rates for its policies, discounts tailored for young drivers and exceptional service quality. MoneyGeek chose Progressive as the best insurer for young adults due to its highly affordable rates and the availability of coverages and discounts.
Best Car Insurance in Maryland for Seniors
Progressive is the best car insurance for senior drivers in Maryland. MoneyGeek chose it after analyzing the cost and service quality of policies for drivers in their 60s.
These companies are the ideal options for senior drivers:
- Progressive: MoneyGeek score of 90 out of 100 ($857 per year)
- Erie: MoneyGeek score of 89 out of 100 ($1,160 per year)
Progressive ranked the best for coverage and affordability.
Drivers in their 60s tend to pay roughly the same rates as they paid in their 30s through 50s. However, rates usually increase as drivers reach their 70s.
We found the insurers offering the cheapest car insurance for seniors in Maryland for those looking to save.
Most affordable policies available
More coverage options than most competitors
Offers custom parts coverage
Doesn’t rank highly for claims management
Progressive has the most affordable rates for seniors among the insurers we analyzed in Maryland. It also provides many common and rare coverages, including roadside assistance, accident forgiveness and rental car or travel reimbursement.
Coverages like roadside assistance and rental car or travel reimbursement can immensely benefit seniors, who may have higher chances of an accident. The roadside assistance coverage pays for repairs due to electrical or mechanical issues and covers the cost of various services to help you get back on the road.
Rental car reimbursement covers the cost of a rental vehicle while your car is getting repaired after an accident.
What Makes an Insurer the Best for Seniors?
Seniors are generally considered experienced drivers. That’s why they pay lower rates than teens and young drivers. As a senior driver, you should consider an insurance provider offering affordable full coverage policies with personal injury protection (PIP) to help you cover the costs in case of an injury due to an accident.
Since Progressive is the most affordable insurer and offers various rare and common coverages, it’s the ideal option for Maryland’s senior drivers.
Best Car Insurance in Maryland for Drivers With Offenses
MoneyGeek found Erie the best car insurance company for Maryland drivers with violations on their records. We scored this insurer based on cost and service quality for Maryland drivers with tickets, accidents and DUIs.
The following insurers in Maryland offer the best policies for drivers with violations:
- Erie: MoneyGeek score of 90 out of 100 ($1,416 per year)
- Progressive: MoneyGeek score of 90 out of 100 ($1,064 per year)
Erie has the best customer satisfaction score in the state (by a wide margin), but Progressive offers much lower rates to drivers with violations.
Maryland drivers pay an average of $247 more with a speeding ticket, $592 more with an at-fault accident and $573 more with a DUI.
For savings, you can look at the cheapest car insurance in Maryland after a violation.
Offers many coverages ideal for risky drivers
Ranked number 1 for customer satisfaction
Ranked number 1 for claims management
Lacks some common coverages
There are cheaper options available
Doesn’t offer roadside assistance coverage
Erie has the best customer satisfaction score among Maryland insurance providers. The insurance provider also scored the highest for claims management. It will handle your claims effectively and settle them fairly.
You can add better or new car replacement coverage to your policy with this company. If you have had your car for less than two years and it gets totaled, this coverage will help you get a brand-new car of the newest model year.
The company also offers accident forgiveness coverage. If you have not filed any claims for three years, you won't face a premium increase with this coverage after your first at-fault accident.
What Makes an Insurer the Best for Drivers With Offenses?
Drivers with violations on their records should consider getting a policy from a company that offers affordable rates and various discounts to lower their monthly premiums because risky drivers usually get expensive quotes for car insurance.
Although Erie isn’t the most affordable insurer in Maryland, it is still the best option for drivers with offenses due to its high scores for claims management and customer satisfaction, demonstrating high service quality. It also offers various discounts to drivers.
Best Car Insurance in Maryland for Drivers With New Cars
Travelers is the best car insurance company for Maryland drivers with a new car.
MoneyGeek came up with a winner for this category after analyzing insurers that offer new car replacement coverage based on cost and service.
Our analysis shows the following companies are the most suitable if you have a new car:
- Travelers: MoneyGeek score of 93 out of 100 ($1,113 per year)
- Kemper: MoneyGeek score of 78 out of 100 ($1,229 per year)
Travelers ranked number one for claims management, coverage and affordability.
Adding new car replacement coverage helps you get a new car of the same make and model if your car gets totaled.
Lowest premiums available
Highest scores for claims and coverage
Provides new car replacement coverage
Allstate has a higher customer satisfaction score
Only offers new car replacement (no better car replacement coverage available)
Besides offering the cheapest insurance policy, Travelers also ranked the highest in Maryland for claims and coverage.
The company’s Premier New Car Replacement coverage covers the cost of a brand-new car of the same make and model if you total your car due to an accident within the first five years.
You can also get various other coverages like gap insurance, which can benefit new car owners who have financed or leased their cars. It helps you pay the difference between your unpaid loan balance and your car’s actual cash value if you total it in an accident.
What Makes an Insurer the Best for Drivers With New Cars?
An insurance company that provides new or better car replacement coverage and doesn’t charge expensive rates is the best option for drivers with new cars. Travelers’ Premier New Car Replacement coverage, affordable policies and coverage options make it the best choice for those who own new vehicles.
Best Car Insurance in Maryland for Military Drivers
MoneyGeek determined that USAA provides the best car insurance for active-duty military members, veterans and their families. It earned a score of 94 out of 100 and charges an average annual rate of $648 for a full coverage policy.
Most affordable policy in Maryland
Offers accident forgiveness and rideshare insurance
Perfect score for customer satisfaction
Offers very few optional coverages
Since USAA’s policies are highly affordable and tailored to military members, they’re the most suitable choice for Maryland drivers with a military background. Besides the cheapest rates, the company also scored high for customer satisfaction, which means we did not find many complaints about its service during our analysis of J.D. Power reports and customer complaints.
The accident forgiveness coverage USAA offers can benefit drivers with a clean driving record. It helps you avoid an increase in your monthly premiums in case of an accident if you have been accident-free for five years.
The insurer also offers rideshare insurance for drivers working with companies like Uber or Lyft. It increases the coverage of their personal auto policy when they are working with a ride-sharing company.
How to Find the Best Car Insurance in Maryland for You
The best car insurance in Maryland will generally balance essential factors like cost, service reputation and financial stability. Although you can consult MoneyGeek’s resources when making a decision, the following steps can help you do your own research to supplement our analysis.
Research customer service reputations in Maryland
MoneyGeek evaluated and ranked various companies’ customer service reputations. To judge if an insurer provides good customer support, consider looking at the J.D. Power score and NAIC complaint ratios for that insurer in Maryland. You might also find the Maryland Insurance Administration website helpful.
You must inquire about the rates from your chosen insurer and not rely solely on MoneyGeek’s sample quotes, as our quotes are based on the profile of our sample driver, which may not apply to your situation. Get at least three quotes from different insurance providers to get an idea of your estimated monthly insurance costs.
Find the coverages you want in Maryland
Several insurers promote certain coverages and discounts that you might not be able to get due to your location. You should contact your chosen insurance company and get information on what coverages are available in your city or state.
Check financial stability ratings
Don’t overlook the financial stability ratings of an insurance provider, as they impact your claim acceptance and settlement time. Before purchasing a policy, consider whether your chosen company is a large national company or a small regional insurer. Large companies are generally stable, while regional insurers in Maryland may have lower ratings in this area.
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FAQs About the Best Car Insurance in Maryland
The best car insurance company in Maryland will be the one that meets your needs and fits your situation. MoneyGeek researched the following commonly asked questions to address your concerns about the ideal insurer.
What is the best way to figure out which insurer is best for me in Maryland?
The average cost of car insurance in Maryland is 48% higher than the national average auto insurance premium, and Maryland ranks 43 out of 50 for the most affordable car insurance rates in the US. Finding a reputable independent insurance company to help you compare quotes from different companies will go a long way to helping ensure you're not overpaying for car insurance. You may wish to avoid working with representatives who can only provide quotes for the company they work for. You want options to compare/contrast.
What are the best coverages to add to your car insurance policy in Maryland?
Meeting the minimum state-required coverage is a must. Above that, one area of coverage to consider adding is "collision" coverage if you have a newer car. Collision covers damage to your car and potential replacement of the car if you're involved in an accident. If you took out a loan on a car, this coverage is required by your lender. If you bought the car without a loan, but it's newer, collision coverage is likely still a great option. Much like your car, collision coverage grows to be less valuable over time. Why? It will never pay out more than the vehicle's value. If you don't have a loan or lease requiring it, collision insurance eventually loses its worth.
About Mark Fitzpatrick