Below are our picks for the best home and auto insurance bundling companies in Maryland:
Best Home and Auto Insurance in Maryland
Updated: April 4, 2025
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Key Takeaways
USAA, State Farm and Nationwide are the top home and auto insurance companies in Maryland.
State Farm offers the best home and auto insurance discount, with savings of 15% on auto and 35% on home insurance.
The average annual cost of home and auto insurance in Maryland is $3,503, about 13% higher than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Maryland?
| USAA | 98 | $2,268 | $110 |
| Nationwide | 84 | $3,275 | $713 |
| State Farm | 80 | $2,839 | $817 |
| Travelers | 73 | $5,773 | $1,123 |
| Allstate | 70 | $3,361 | $706 |
State Farm: Best Cheap Home and Auto Insurance in Maryland
State Farm offers affordable home and auto insurance for non-military customers. It provides the best bundling discount in the state and strong young driver programs like Steer Clear. It ranks seventh nationally for home insurance satisfaction and fourth in the Mid-Atlantic for auto insurance, according to J.D. Power.
| Auto | $1,931 | $329 | 15% |
| Home | $908 | $489 | 35% |
USAA: Best Home and Auto Insurance in Maryland for Military
USAA is the top home and auto insurance provider for military members and their families. It offers the lowest rates in the state and more ways to save, such as its SafePilot telematics program. J.D. Power ranks USAA first in customer satisfaction for both home and auto insurance.
| Auto | $876 | $30 | 3% |
| Home | $1,391 | $80 | 5% |
Nationwide: Best Home and Auto Insurance Coverage in Maryland
Nationwide isn't the cheapest option in Maryland, but its usage-based car insurance program offers discounts of up to 40%. The company has many other discounts, too. It provides unique coverage options like disappearing deductible, accident forgiveness and home equipment breakdown protection that other major insurers don't offer.
| Auto | $1,896 | $260 | 12% |
| Home | $1,379 | $453 | 25% |
Maryland Home and Auto Insurance Cost
Maryland residents pay an average of $292 monthly for home and auto insurance, higher than the national average of $258. Monthly rates range from $189 to $481, depending on the insurer.
| Maryland home and auto insurance bundle | $3,503 | $-409 | 13% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Maryland Home and Auto Insurance Quotes Without Bundling
While our research shows that not bundling home and auto insurance is more expensive in Maryland, your quotes may differ. Below are the average costs of all coverage combinations using our top providers without bundling, from least to most expensive.
| USAA | State Farm | $2,303 |
| USAA | Nationwide | $2,738 |
| USAA | Allstate | $3,017 |
| Travelers | State Farm | $3,134 |
| Travelers | USAA | $3,209 |
| Allstate | State Farm | $3,353 |
| Allstate | USAA | $3,428 |
| Nationwide | State Farm | $3,552 |
| Travelers | Nationwide | $3,570 |
| Nationwide | USAA | $3,627 |
| State Farm | USAA | $3,730 |
| Allstate | Nationwide | $3,789 |
| Travelers | Allstate | $3,848 |
| State Farm | Nationwide | $4,091 |
| Nationwide | Allstate | $4,266 |
| State Farm | Allstate | $4,370 |
| USAA | Travelers | $6,065 |
| Allstate | Travelers | $7,115 |
| Nationwide | Travelers | $7,315 |
| State Farm | Travelers | $7,418 |
Should I Bundle Home and Auto Insurance in Maryland?
For Maryland drivers, bundling home and auto insurance is often cheaper than buying each separately. However, evaluate your coverage needs and financial situation to determine your best option.
Bundling discounts save you more than individual policies
In Maryland, bundling home and auto insurance can save you money. The cheapest annual cost without bundling is $3,134, while bundling lowers it to $2,268.
Bundling makes policy management convenient
Bundling insurance policies makes managing your insurance easier since it’s through a single account.
In rare cases, it might be better not to bundle in Maryland
Purchasing nonbundle insurance may not help you save more money but can provide more flexibility in coverage options.
Best Auto and Home Insurance in Maryland: Bottom Line
USAA, State Farm and Nationwide are the best options for bundling home and auto insurance in Maryland. Bundling saves more money than buying separate policies. But you should compare several companies and get quotes to find the best deal for your needs.
Home and Auto Insurance in Maryland: FAQ
Find expert answers to Maryland home and auto insurance questions here:
Who has the best home and auto insurance in Maryland?
State Farm is the best cheap home and auto insurance provider in Maryland. USAA is the most affordable overall and best for military members and their families. Nationwide offers the best coverage options in the state.
Who has the cheapest home and auto insurance in Maryland?
USAA offers the cheapest home and auto insurance bundle in Maryland at $2,268 a year. Policyholders save $110 a year on average compared to the state average, making it a good choice for residents who qualify for USAA membership. State Farm is the next best option, with its bundle priced at $2,839 a year, saving customers an average of $817 annually.
How much does home and auto insurance in Maryland cost on average?
In Maryland, the average yearly cost of bundling home and auto insurance is $3,503, about 13% higher than the national average. The cheapest bundle costs $2,268, while the most expensive can reach $5,773.
Is bundling home and auto insurance cheaper in Maryland?
Bundling home and auto insurance is cheaper in Maryland, based on our research. While looking for the lowest prices, make sure the coverage still protects you against major losses.
Best Auto and Home Insurance Bundle in Maryland: Our Methodology
Bundle Scoring System
MoneyGeek used data from the Maryland Insurance Administration and Quadrant Information Services to calculate home and vehicle insurance rates. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual scores for home and auto insurance. We also looked at each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Maryland
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Maryland
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
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.