Cheapest Low-Income Car Insurance in Maryland

GEICO captures Maryland's entire insurance market, sweeping every single driver category analyzed: young drivers pay $76, adults $58, seniors $61, speeding tickets $67, DUIs $75, accidents $91, and bad credit holders $92 monthly. Our analysis found Maryland ranks as one of the nation's pricier states for minimum liability coverage, with average costs climbing significantly above the $53 national baseline and approaching rates seen in expensive northeastern corridors.

Even Maryland's cheapest available rates through GEICO exceed what many states charge on average, reflecting the state's challenging insurance environment for budget-conscious drivers. The state's position near the top of national cost rankings means residents consistently pay premium prices regardless of their driving record or demographic profile. Geographic insurance disparities across America create monthly cost swings exceeding $90 between the cheapest and most expensive state markets, with Maryland firmly anchored toward the expensive end of that spectrum.*

*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with good credit and a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.

Maryland families face a competitive but expensive insurance landscape, with Kemper offering married couples with teens the lowest rate at $69 while Progressive delivers childless married households coverage at $43 and single parents protection at $140 monthly. 

Maryland ranks among the most expensive states for auto insurance. Family premiums run much higher than the national average, placing Maryland in the top tier for costs. Single parents pay around $140 monthly, nearly double what married couples pay through Kemper for the same teen driver coverage. 

Maryland's high rates stem from its dense population centers, elevated vehicle theft, and expensive medical care that increase claim payouts. Adding a teenage driver to a Progressive policy raises married couples' premiums by about $26 monthly, a relatively modest bump given the state's already high baseline costs.

*Rates for couples and single parents with teens include a 16-year-old driver. Rates for married couples without children reflect a 40-year-old male with good credit and a clean driving record.

Maryland requires drivers to carry this minimum car insurance coverage:

• $30,000 in bodily injury liability per person
• $60,000 in bodily injury liability per accident
• $15,000 in property damage liability per accident

If you're leasing or financing a vehicle, you'll need liability coverage of 100/300/100, along with comprehensive and collision protection.

State Farm offers the cheapest car insurance for most low-income drivers in Maryland, including high-risk drivers with speeding tickets, DUIs or accidents. Progressive provides the lowest rates for drivers with poor credit. Comparing multiple providers can help secure the best deal.

Low-income drivers often struggle to get affordable car insurance. Here are answers to common questions about saving money.

Study Overview

MoneyGeek reviewed Maryland auto insurance rates using data from the Maryland Insurance Administration and Quadrant Information Services.

Data Acquisition, Depth and Analysis

MoneyGeek analyzed 328,384 quotes from 14 companies across 370 ZIP codes to determine the average cost of car insurance for drivers with low income in Maryland.

Sample Driver Profile

We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Maryland:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To determine rates for specific driver profiles, we adjusted factors such as age, family status, driving history and credit standing.

Our study defines seniors as 60 or older, young drivers as 22 to 29 and adults as 30 to 59. Married couples with a child include 40-year-old male and female drivers with a 16-year-old teen. Single parents with children are 40-year-old male or female drivers with a 16-year-old teen.

Coverage Levels and Deductibles

Our data shows rates for minimum coverage, which follows the requirements set by Maryland law, and offers affordable options for low-income drivers.