GEICO offers the lowest rates in Maryland, with monthly premiums of $51 for minimum coverage and $89 for full coverage. Drivers save $55 monthly (44%) compared to state averages. Get quotes from State Farm, Travelers, Cumberland Mutual and Erie too.
Cheapest Car Insurance in Maryland
Updated: September 10, 2025
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Key Takeaways
GEICO, State Farm and Travelers are the cheapest car insurance companies for most Maryland drivers, with average savings of up to 44%.
Car insurance costs can be as low as $40 monthly for minimum coverage and $68 for full coverage policies on average in Maryland.
To get the cheapest car insurance in Maryland, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Maryland?
| Geico | $51 | $89 | -44% | $-55 |
| State Farm | $63 | $118 | -27% | $-34 |
| Travelers | $67 | $116 | -27% | $-33 |
| Cumberland Mutual | $64 | $131 | -22% | $-27 |
| Erie Insurance | $71 | $135 | -17% | $-21 |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
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$177
High
$122
Average
$73
Low
Rates updated:
Sep 13, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Progressive | 90 /of 100 | $73 |
| 2 | 90 /of 100 | $97 | |
| 3 |  GEICO | 79 /of 100 | $102 |
| 4 | 88 /of 100 | $116 | |
| 5 | Kemper | 72 /of 100 | $126 |
| 6 |  Nationwide | 77 /of 100 | $159 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance Rates by Category in Maryland
GEICO offers the cheapest car insurance rates for most Maryland drivers, ranking first in seven out of our 10 driver categories based on different profiles. The remaining categories are split between State Farm, Nationwide and Penn National, and you can find your specific rates in the table:
| Young Drivers | State Farm | $138 |
| Adult Drivers | Geico | $49 |
| Senior Drivers | Geico | $59 |
| Drivers With An Accident | Geico | $80 |
| Drivers With A DUI | Geico | $62 |
| Drivers With A Speeding Ticket | Geico | $59 |
| Drivers With Bad Credit | Nationwide | $103 |
| Drivers With Low Income | Penn National Insurance | $63 |
| Drivers With Newer Cars | Geico | $54 |
| Drivers With Old Cars | Geico | $46 |
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN MARYLAND
We've created additional guides below to help you in your search for the best and cheapest car insurance in Maryland:
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Maryland for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Cumberland Mutual offers the lowest rates at $176 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
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)
| Cumberland Mutual | $176 | $2,118 | -40% | $-1,400 |
| Geico | $211 | $2,533 | -28% | $-985 |
| Nationwide | $221 | $2,657 | -24% | $-861 |
| Erie Insurance | $238 | $2,850 | -19% | $-667 |
| Penn National Insurance | $274 | $3,289 | -6% | $-228 |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Maryland by City
Where you live in Maryland affects your insurance costs based on local crime, accidents and traffic density. GEICO charges as little as $40 in Barclay but costs $93 in Gwynn Oak. Here are the cheapest providers for every Maryland city:
Data filtered by:Results filtered by:
Select
City:
| Baltimore | Geico | $70 | -54% | $-112 |
| Columbia | Geico | $48 | -48% | $-59 |
| Germantown | Geico | $47 | -47% | $-56 |
| Silver Spring | Geico | $54 | -46% | $-63 |
| Waldorf | Geico | $58 | -40% | $-52 |
| Frederick | Geico | $40 | -45% | $-44 |
| Ellicott City | Geico | $47 | -51% | $-65 |
| Gaithersburg | Geico | $49 | -45% | $-54 |
| Rockville | Geico | $47 | -48% | $-58 |
| Bethesda | Geico | $43 | -49% | $-58 |
| Bowie | Geico | $52 | -50% | $-70 |
| Hagerstown | Geico | $41 | -41% | $-38 |
| Annapolis | Geico | $46 | -46% | $-54 |
| College Park | Geico | $49 | -57% | $-88 |
| Salisbury | Geico | $43 | -41% | $-40 |
| Laurel | Geico | $50 | -52% | $-74 |
| Greenbelt | Geico | $56 | -48% | $-71 |
| Hyattsville | Geico | $64 | -50% | $-86 |
| Cumberland | Geico | $43 | -38% | $-35 |
| Takoma Park | Geico | $53 | -50% | $-71 |
| Abell | Geico | $44 | -47% | $-52 |
| Aberdeen | Geico | $51 | -41% | $-48 |
| Aberdeen Proving Ground | Geico | $51 | -41% | $-48 |
| Abingdon | Geico | $51 | -42% | $-50 |
| Accident | Geico | $43 | -40% | $-39 |
| Accokeek | Geico | $62 | -42% | $-62 |
| Adamstown | Geico | $42 | -42% | $-42 |
| Allen | Geico | $43 | -40% | $-39 |
| Andrews AFB | Geico | $47 | -56% | $-81 |
| Annapolis Junction | Geico | $56 | -40% | $-51 |
| Aquasco | Geico | $58 | -41% | $-53 |
| Arbutus | Geico | $49 | -58% | $-92 |
| Arnold | Geico | $46 | -46% | $-53 |
| Ashton | Geico | $48 | -46% | $-56 |
| Avenue | Geico | $44 | -47% | $-53 |
| Baldwin | Geico | $53 | -41% | $-51 |
| Ballenger Creek | Geico | $40 | -44% | $-43 |
| Barclay | Geico | $40 | -45% | $-43 |
| Barnesville | Geico | $47 | -44% | $-51 |
| Barstow | Geico | $48 | -43% | $-48 |
| Barton | Geico | $43 | -40% | $-38 |
| Beallsville | Geico | $47 | -44% | $-51 |
| Bel Air | Geico | $51 | -38% | $-43 |
| Bel Air North | Geico | $51 | -38% | $-43 |
| Bel Alton | Geico | $50 | -44% | $-53 |
| Belcamp | Geico | $51 | -40% | $-47 |
| Beltsville | Geico | $56 | -50% | $-74 |
| Benedict | Geico | $50 | -44% | $-54 |
| Benson | Geico | $51 | -39% | $-45 |
| Bethlehem | Geico | $40 | -44% | $-42 |
| Betterton | Geico | $40 | -44% | $-43 |
| Big Pool | Geico | $41 | -41% | $-38 |
| Bishopville | Geico | $43 | -38% | $-36 |
| Bittinger | Geico | $43 | -40% | $-39 |
| Bivalve | Geico | $43 | -40% | $-38 |
| Bladensburg | Geico | $73 | -44% | $-78 |
| Bloomington | Geico | $43 | -40% | $-39 |
| Boonsboro | Geico | $41 | -41% | $-39 |
| Boring | Geico | $51 | -44% | $-54 |
| Boyds | Geico | $47 | -45% | $-52 |
| Bozman | Geico | $40 | -44% | $-42 |
| Brandywine | Geico | $58 | -45% | $-63 |
| Brentwood | Geico | $64 | -50% | $-85 |
| Brinklow | Geico | $47 | -47% | $-56 |
| Brookeville | Geico | $47 | -46% | $-54 |
| Brooklandville | Travelers | $71 | -29% | $-40 |
| Broomes Island | Geico | $48 | -42% | $-48 |
| Brownsville | Geico | $41 | -42% | $-41 |
| Brunswick | Geico | $42 | -42% | $-42 |
| Bryans Road | Geico | $58 | -41% | $-54 |
| Bryantown | Geico | $50 | -45% | $-55 |
| Burkittsville | Geico | $42 | -42% | $-40 |
| Bushwood | Geico | $44 | -47% | $-53 |
| Butler | Geico | $53 | -45% | $-58 |
| Cabin John | Geico | $43 | -50% | $-58 |
| California | Geico | $44 | -46% | $-50 |
| Callaway | Geico | $44 | -46% | $-51 |
| Cambridge | Geico | $43 | -40% | $-38 |
| Capitol Heights | Geico | $73 | -45% | $-80 |
| Cascade | Geico | $41 | -40% | $-38 |
| Catonsville | Geico | $57 | -55% | $-94 |
| Cecilton | Geico | $40 | -49% | $-52 |
| Centreville | Geico | $40 | -45% | $-44 |
| Chance | Geico | $43 | -39% | $-38 |
| Chaptico | Geico | $44 | -48% | $-54 |
| Charlestown | Geico | $51 | -38% | $-43 |
| Charlotte Hall | Geico | $50 | -43% | $-51 |
| Chase | Geico | $64 | -39% | $-56 |
| Cheltenham | Geico | $63 | -37% | $-51 |
| Chesapeake Beach | Geico | $48 | -44% | $-51 |
| Chesapeake City | Geico | $51 | -38% | $-43 |
| Chesapeake Ranch Estates | Geico | $48 | -42% | $-47 |
| Chester | Geico | $40 | -45% | $-44 |
| Chestertown | Geico | $40 | -44% | $-42 |
| Chevy Chase | Geico | $43 | -50% | $-58 |
| Chewsville | Geico | $41 | -41% | $-38 |
| Childs | Geico | $51 | -39% | $-45 |
| Chillum | Geico | $64 | -49% | $-85 |
| Church Creek | Geico | $43 | -40% | $-38 |
| Church Hill | Geico | $40 | -44% | $-43 |
| Churchton | Geico | $49 | -46% | $-56 |
| Churchville | Geico | $51 | -38% | $-42 |
| Claiborne | Geico | $40 | -44% | $-43 |
| Clarksburg | Geico | $47 | -45% | $-51 |
| Clarksville | Geico | $47 | -45% | $-53 |
| Clear Spring | Geico | $41 | -41% | $-38 |
| Clements | Geico | $44 | -47% | $-54 |
| Clinton | Geico | $63 | -42% | $-61 |
| Cobb Island | Geico | $50 | -44% | $-53 |
| Cockeysville | Geico | $53 | -48% | $-66 |
| Colora | Geico | $51 | -38% | $-43 |
| Coltons Point | Geico | $44 | -47% | $-52 |
| Compton | Geico | $44 | -46% | $-51 |
| Conowingo | Geico | $51 | -39% | $-44 |
| Cooksville | Geico | $47 | -44% | $-50 |
| Cordova | Geico | $40 | -43% | $-41 |
| Corriganville | Geico | $43 | -39% | $-37 |
| Crapo | Geico | $43 | -40% | $-38 |
| Crisfield | Geico | $43 | -39% | $-37 |
| Crocheron | Geico | $43 | -40% | $-38 |
| Crofton | Geico | $46 | -45% | $-52 |
| Crownsville | Geico | $49 | -46% | $-57 |
| Crumpton | Geico | $40 | -45% | $-44 |
| Curtis Bay | Geico | $54 | -48% | $-69 |
| Damascus | Geico | $47 | -44% | $-51 |
| Dameron | Geico | $44 | -46% | $-51 |
| Darlington | Geico | $51 | -38% | $-43 |
| Davidsonville | Geico | $49 | -46% | $-56 |
| Dayton | Geico | $47 | -45% | $-52 |
| Deale | Geico | $49 | -46% | $-56 |
| Delmar | Geico | $43 | -39% | $-38 |
| Denton | Geico | $40 | -44% | $-42 |
| Dickerson | Geico | $42 | -49% | $-55 |
| Dowell | Geico | $48 | -42% | $-46 |
| Drayden | Geico | $44 | -46% | $-50 |
| Dundalk | Geico | $56 | -53% | $-86 |
| Dunkirk | Geico | $48 | -44% | $-51 |
| Earleville | Geico | $40 | -48% | $-50 |
| East New Market | Geico | $43 | -39% | $-38 |
| Easton | Geico | $40 | -42% | $-40 |
| Eden | Geico | $43 | -40% | $-39 |
| Edgemere | Geico | $56 | -51% | $-80 |
| Edgewater | Geico | $46 | -48% | $-58 |
| Edgewood | Geico | $51 | -45% | $-56 |
| Eldersburg | Geico | $46 | -42% | $-45 |
| Elk Mills | Geico | $51 | -39% | $-44 |
| Elkridge | Geico | $56 | -47% | $-67 |
| Elkton | Geico | $51 | -39% | $-45 |
| Ellerslie | Geico | $43 | -40% | $-39 |
| Emmitsburg | Geico | $42 | -41% | $-39 |
| Essex | Geico | $59 | -50% | $-81 |
| Ewell | Geico | $43 | -40% | $-39 |
| Fairland | Geico | $55 | -44% | $-59 |
| Fairplay | Geico | $41 | -41% | $-38 |
| Fairwood | Geico | $56 | -46% | $-64 |
| Fallston | Geico | $51 | -39% | $-44 |
| Faulkner | Geico | $50 | -44% | $-53 |
| Federalsburg | Geico | $40 | -43% | $-41 |
| Finksburg | Geico | $46 | -43% | $-48 |
| Fishing Creek | Geico | $43 | -39% | $-37 |
| Flintstone | Geico | $43 | -40% | $-39 |
| Forest Hill | Geico | $51 | -39% | $-44 |
| Forestville | Geico | $68 | -47% | $-83 |
| Fork | Geico | $53 | -42% | $-53 |
| Fort Howard | Geico | $59 | -48% | $-74 |
| Fort Meade | Geico | $46 | -47% | $-55 |
| Fort Washington | Geico | $63 | -47% | $-75 |
| Fountainhead-Orchard Hills | Geico | $41 | -40% | $-37 |
| Freeland | Geico | $51 | -40% | $-46 |
| Friendship | Geico | $48 | -47% | $-58 |
| Friendsville | Geico | $43 | -41% | $-40 |
| Frostburg | Geico | $43 | -39% | $-37 |
| Fruitland | Geico | $43 | -40% | $-39 |
| Fulton | Geico | $47 | -45% | $-53 |
| Funkstown | Geico | $41 | -40% | $-38 |
| Galena | Geico | $40 | -45% | $-44 |
| Galesville | Geico | $46 | -49% | $-60 |
| Gambrills | Geico | $46 | -49% | $-61 |
| Gapland | Geico | $41 | -42% | $-40 |
| Garrett Park | Geico | $43 | -50% | $-60 |
| Georgetown | Geico | $40 | -48% | $-51 |
| Gibson Island | Geico | $46 | -46% | $-53 |
| Girdletree | Geico | $43 | -39% | $-37 |
| Glassmanor | Geico | $68 | -47% | $-83 |
| Glen Arm | Geico | $53 | -47% | $-64 |
| Glen Burnie | Geico | $54 | -46% | $-64 |
| Glen Echo | Geico | $43 | -49% | $-57 |
| Glenelg | Geico | $47 | -45% | $-51 |
| Glenn Dale | Geico | $56 | -49% | $-71 |
| Glenwood | Geico | $47 | -43% | $-48 |
| Glyndon | Geico | $46 | -56% | $-78 |
| Goldsboro | Geico | $40 | -44% | $-42 |
| Grantsville | Geico | $43 | -40% | $-38 |
| Grasonville | Geico | $40 | -44% | $-43 |
| Great Mills | Geico | $44 | -46% | $-51 |
| Greensboro | Geico | $40 | -44% | $-42 |
| Gwynn Oak | Geico | $93 | -45% | $-101 |
| Hampstead | Geico | $46 | -42% | $-45 |
| Hancock | Geico | $41 | -40% | $-38 |
| Hanover | Geico | $56 | -43% | $-58 |
| Harmans | Geico | $56 | -43% | $-58 |
| Harwood | Geico | $51 | -47% | $-61 |
| Havre De Grace | Geico | $51 | -39% | $-44 |
| Hebron | Geico | $43 | -40% | $-39 |
| Helen | Geico | $44 | -47% | $-54 |
| Henderson | Geico | $40 | -44% | $-42 |
| Highland | Geico | $47 | -46% | $-53 |
| Hillcrest Heights | Geico | $68 | -47% | $-82 |
| Hillsboro | Geico | $40 | -43% | $-41 |
| Hollywood | Geico | $44 | -46% | $-51 |
| Hughesville | Geico | $50 | -44% | $-53 |
| Huntingtown | Geico | $48 | -42% | $-48 |
| Hunt Valley | Geico | $53 | -48% | $-66 |
| Hurlock | Geico | $43 | -39% | $-37 |
| Hydes | Geico | $53 | -42% | $-53 |
| Ijamsville | Geico | $40 | -46% | $-46 |
| Indian Head | Geico | $50 | -47% | $-60 |
| Ingleside | Geico | $40 | -44% | $-43 |
| Ironsides | Geico | $50 | -46% | $-59 |
| Issue | Geico | $50 | -44% | $-53 |
| Jarrettsville | Geico | $51 | -39% | $-44 |
| Jefferson | Geico | $42 | -42% | $-41 |
| Jessup | Geico | $56 | -42% | $-54 |
| Joppa | Geico | $51 | -43% | $-53 |
| Kennedyville | Geico | $40 | -44% | $-43 |
| Keymar | Geico | $46 | -38% | $-39 |
| Kingsville | Geico | $53 | -44% | $-55 |
| Kitzmiller | Geico | $43 | -40% | $-39 |
| Knoxville | Geico | $42 | -42% | $-41 |
| Ladiesburg | Geico | $42 | -43% | $-42 |
| Lake Shore | Geico | $46 | -46% | $-54 |
| Landover | Geico | $73 | -44% | $-77 |
| Langley Park | Geico | $64 | -50% | $-85 |
| Lanham Seabrook | Geico | $64 | -44% | $-67 |
| La Plata | Geico | $50 | -44% | $-54 |
| Largo | Geico | $62 | -44% | $-66 |
| Leonardtown | Geico | $44 | -46% | $-50 |
| Lexington Park | Geico | $44 | -46% | $-51 |
| Libertytown | Geico | $40 | -45% | $-45 |
| Lineboro | Geico | $46 | -43% | $-47 |
| Linganore | Geico | $40 | -45% | $-45 |
| Linkwood | Geico | $43 | -40% | $-38 |
| Linthicum | Geico | $49 | -52% | $-72 |
| Lisbon | Geico | $47 | -43% | $-47 |
| Little Orleans | Geico | $43 | -41% | $-40 |
| Lonaconing | Geico | $43 | -39% | $-37 |
| Long Green | Geico | $53 | -44% | $-57 |
| Lothian | Geico | $49 | -46% | $-56 |
| Loveville | Geico | $44 | -47% | $-54 |
| Luke | Geico | $43 | -40% | $-39 |
| Lutherville Timonium | Geico | $49 | -51% | $-71 |
| Madison | Geico | $43 | -40% | $-38 |
| Manchester | Geico | $46 | -41% | $-43 |
| Manokin | Geico | $43 | -39% | $-38 |
| Marbury | Geico | $50 | -46% | $-59 |
| Mardela Springs | Geico | $43 | -39% | $-37 |
| Marion Station | Geico | $43 | -39% | $-38 |
| Marriottsville | Geico | $47 | -46% | $-55 |
| Marydel | Geico | $40 | -44% | $-42 |
| Maryland City | Geico | $46 | -50% | $-62 |
| Maryland Line | Geico | $51 | -42% | $-49 |
| Massey | Geico | $40 | -45% | $-44 |
| Maugansville | Geico | $41 | -40% | $-38 |
| McDaniel | Geico | $40 | -44% | $-43 |
| Mc Henry | Geico | $43 | -40% | $-39 |
| Mechanicsville | Geico | $44 | -48% | $-56 |
| Middle River | Geico | $64 | -46% | $-72 |
| Middletown | Geico | $42 | -42% | $-41 |
| Midland | Geico | $43 | -39% | $-38 |
| Midlothian | Geico | $43 | -39% | $-38 |
| Millersville | Geico | $46 | -46% | $-54 |
| Millington | Geico | $40 | -45% | $-44 |
| Monkton | Geico | $51 | -42% | $-50 |
| Monrovia | Geico | $40 | -46% | $-47 |
| Montgomery Village | Geico | $52 | -43% | $-53 |
| Morganza | Geico | $44 | -47% | $-53 |
| Mountain Lake Park | Geico | $43 | -40% | $-39 |
| Mount Airy | Geico | $40 | -46% | $-47 |
| Mount Rainier | Geico | $64 | -50% | $-88 |
| Mount Savage | State Farm | $40 | -39% | $-37 |
| Mount Victoria | Geico | $50 | -44% | $-53 |
| Myersville | Geico | $42 | -41% | $-39 |
| Nanjemoy | Geico | $50 | -45% | $-57 |
| Nanticoke | Geico | $43 | -39% | $-38 |
| Naval Academy | Geico | $46 | -46% | $-54 |
| Neavitt | Geico | $40 | -45% | $-43 |
| Newark | Geico | $43 | -38% | $-36 |
| Newburg | Geico | $50 | -43% | $-53 |
| Newcomb | Geico | $40 | -43% | $-41 |
| New Midway | Geico | $42 | -43% | $-43 |
| New Windsor | Geico | $46 | -39% | $-40 |
| North Beach | Geico | $48 | -44% | $-51 |
| North Bethesda | Geico | $46 | -47% | $-54 |
| North East | Geico | $51 | -38% | $-42 |
| North Kensington | Geico | $43 | -52% | $-64 |
| Nottingham | Geico | $54 | -52% | $-78 |
| Ocean City | Geico | $43 | -39% | $-37 |
| Ocean Pines | Geico | $43 | -38% | $-36 |
| Odenton | Geico | $46 | -49% | $-59 |
| Oldtown | Geico | $43 | -40% | $-39 |
| Olney | Geico | $48 | -45% | $-53 |
| Owings | Geico | $48 | -43% | $-50 |
| Owings Mills | Geico | $65 | -44% | $-69 |
| Oxford | Geico | $40 | -43% | $-41 |
| Park Hall | Geico | $44 | -46% | $-51 |
| Parkton | Geico | $51 | -40% | $-47 |
| Parkville | Geico | $54 | -51% | $-78 |
| Parsonsburg | Geico | $43 | -40% | $-38 |
| Patuxent River | Geico | $44 | -47% | $-52 |
| Perry Hall | Geico | $53 | -47% | $-64 |
| Perry Point | Geico | $51 | -38% | $-43 |
| Perryville | Geico | $51 | -38% | $-43 |
| Phoenix | Geico | $53 | -46% | $-62 |
| Pikesville | Geico | $71 | -42% | $-71 |
| Piney Point | Geico | $44 | -46% | $-50 |
| Pinto | Geico | $43 | -40% | $-39 |
| Pittsville | Geico | $43 | -40% | $-39 |
| Pocomoke City | Geico | $43 | -39% | $-37 |
| Point of Rocks | Geico | $42 | -43% | $-43 |
| Pomfret | Geico | $50 | -45% | $-57 |
| Poolesville | Geico | $47 | -45% | $-52 |
| Port Deposit | Geico | $51 | -39% | $-44 |
| Port Republic | Geico | $48 | -42% | $-48 |
| Port Tobacco | Geico | $50 | -45% | $-55 |
| Potomac | Geico | $46 | -48% | $-58 |
| Powellville | Geico | $43 | -40% | $-39 |
| Preston | Geico | $40 | -43% | $-41 |
| Price | Geico | $40 | -44% | $-42 |
| Prince Frederick | Geico | $48 | -43% | $-50 |
| Princess Anne | Geico | $43 | -40% | $-38 |
| Pylesville | Geico | $51 | -40% | $-46 |
| Quantico | Geico | $43 | -41% | $-40 |
| Queen Anne | Geico | $40 | -44% | $-43 |
| Queenstown | Geico | $40 | -44% | $-43 |
| Randallstown | Geico | $78 | -40% | $-70 |
| Rawlings | Geico | $43 | -39% | $-38 |
| Redland | Geico | $48 | -46% | $-56 |
| Rehobeth | Geico | $43 | -39% | $-38 |
| Reisterstown | Geico | $65 | -39% | $-57 |
| Rhodesdale | Geico | $43 | -39% | $-38 |
| Riderwood | Geico | $49 | -52% | $-73 |
| Ridge | Geico | $44 | -46% | $-50 |
| Ridgely | Geico | $40 | -44% | $-42 |
| Rising Sun | Geico | $51 | -38% | $-43 |
| Riva | Geico | $46 | -48% | $-59 |
| Riverdale | Geico | $64 | -51% | $-88 |
| Rock Hall | Geico | $40 | -44% | $-42 |
| Rock Point | Geico | $50 | -41% | $-48 |
| Rocky Ridge | Geico | $42 | -41% | $-39 |
| Rossville | Geico | $59 | -50% | $-79 |
| Royal Oak | Geico | $40 | -43% | $-42 |
| Sabillasville | Geico | $42 | -41% | $-39 |
| Sandy Spring | Geico | $48 | -46% | $-56 |
| Savage | Geico | $56 | -41% | $-53 |
| Scaggsville | Geico | $50 | -46% | $-58 |
| Scotland | Geico | $44 | -45% | $-50 |
| Secretary | Geico | $43 | -39% | $-37 |
| Severn | Geico | $56 | -41% | $-52 |
| Severna Park | Geico | $46 | -46% | $-53 |
| Shady Side | Geico | $49 | -46% | $-56 |
| Sharpsburg | Geico | $41 | -41% | $-38 |
| Sharptown | Geico | $43 | -40% | $-39 |
| Sherwood | Geico | $40 | -44% | $-43 |
| Showell | Geico | $43 | -39% | $-37 |
| Simpsonville | Geico | $47 | -47% | $-56 |
| Smithsburg | Geico | $41 | -40% | $-38 |
| Snow Hill | Geico | $43 | -38% | $-36 |
| Solomons | Geico | $48 | -41% | $-46 |
| South Laurel | Geico | $56 | -49% | $-73 |
| Sparks Glencoe | Geico | $53 | -42% | $-52 |
| Spencerville | Geico | $55 | -44% | $-58 |
| Spring Gap | Geico | $43 | -39% | $-37 |
| Stevenson | Geico | $53 | -47% | $-64 |
| Stevensville | Geico | $40 | -45% | $-45 |
| Still Pond | Geico | $40 | -44% | $-43 |
| St. Inigoes | Geico | $44 | -46% | $-50 |
| St. Leonard | Geico | $48 | -42% | $-47 |
| St. Marys | Geico | $44 | -46% | $-51 |
| St. Michaels | Geico | $40 | -44% | $-42 |
| Stockton | Geico | $43 | -39% | $-37 |
| Street | Geico | $51 | -40% | $-46 |
| Sudlersville | Geico | $40 | -45% | $-44 |
| Suitland | Geico | $68 | -47% | $-82 |
| Sunderland | Geico | $48 | -44% | $-50 |
| Swanton | Geico | $43 | -40% | $-39 |
| Tall Timbers | Geico | $44 | -46% | $-51 |
| Taneytown | Geico | $46 | -38% | $-39 |
| Taylors Island | Geico | $43 | -39% | $-38 |
| Templeville | Geico | $40 | -43% | $-41 |
| Thurmont | Geico | $42 | -41% | $-39 |
| Tilghman | Geico | $40 | -44% | $-43 |
| Toddville | Geico | $43 | -40% | $-38 |
| Towson | Geico | $49 | -53% | $-77 |
| Tracys Landing | Geico | $49 | -45% | $-55 |
| Trappe | Geico | $40 | -43% | $-41 |
| Trego-Rohrersville Station | Geico | $41 | -41% | $-39 |
| Tuscarora | Geico | $42 | -44% | $-44 |
| Tyaskin | Geico | $43 | -40% | $-39 |
| Tylerton | Geico | $43 | -41% | $-40 |
| Union Bridge | Geico | $42 | -43% | $-43 |
| Unionville | Geico | $42 | -44% | $-44 |
| Upperco | Geico | $51 | -43% | $-52 |
| Upper Fairmount | Geico | $43 | -39% | $-37 |
| Upper Falls | Geico | $53 | -44% | $-56 |
| Upper Marlboro | Geico | $62 | -42% | $-61 |
| Urbana | Geico | $40 | -45% | $-45 |
| Valley Lee | Geico | $44 | -46% | $-50 |
| Vienna | Geico | $43 | -40% | $-38 |
| Walkersville | Geico | $42 | -42% | $-41 |
| Warwick | Geico | $40 | -49% | $-51 |
| Washington Grove | Geico | $48 | -47% | $-59 |
| Welcome | Geico | $50 | -45% | $-55 |
| Westernport | Geico | $43 | -40% | $-38 |
| West Friendship | Geico | $47 | -45% | $-51 |
| Westminster | Geico | $46 | -40% | $-42 |
| Westover | Geico | $43 | -39% | $-37 |
| West River | Geico | $49 | -46% | $-57 |
| Whaleyville | Geico | $43 | -39% | $-37 |
| Wheaton | Geico | $53 | -47% | $-65 |
| Whiteford | Geico | $51 | -39% | $-45 |
| White Hall | Geico | $51 | -39% | $-44 |
| White Marsh | Geico | $53 | -49% | $-70 |
| White Plains | Geico | $58 | -39% | $-50 |
| Willards | Geico | $43 | -39% | $-38 |
| Williamsport | Geico | $41 | -40% | $-37 |
| Windsor Mill | Geico | $78 | -41% | $-73 |
| Wingate | Geico | $43 | -40% | $-39 |
| Wittman | Geico | $40 | -44% | $-43 |
| Woodbine | Geico | $46 | -43% | $-48 |
| Woodsboro | Geico | $42 | -42% | $-42 |
| Woodstock | Geico | $47 | -51% | $-65 |
| Woolford | Geico | $43 | -39% | $-38 |
| Worton | Geico | $40 | -44% | $-43 |
| Wye Mills | Geico | $40 | -43% | $-41 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Maryland by Driver Age Group
We analyzed car insurance rates across Maryland for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can get the lowest rates from State Farm, starting at $138per month
- Adult drivers find the best deals with GEICO, with rates from $49 per month
- Senior drivers see the most affordable coverage through Cumberland Mutual, beginning at $59 per month
Cheapest Car Insurance For Young Drivers in Maryland
Young drivers get the best rates from State Farm, averaging $138 per month ($1,653 annually) about 39% below the state average. Erie Insurance and Geico are also competitive, keeping annual premiums under $2,000.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| State Farm | $138 | $1,653 | -39% | $-1,050 |
| Erie Insurance | $141 | $1,692 | -37% | $-1,011 |
| Geico | $163 | $1,953 | -28% | $-750 |
| Travelers | $166 | $1,997 | -26% | $-707 |
| Cumberland Mutual | $169 | $2,023 | -25% | $-681 |
*The rates shown reflect individual policies. Younger drivers may qualify for lower premiums when added to a family policy instead of purchasing coverage on their own.
Cheapest Car Insurance For Adult Drivers in Maryland
GEICO provides the lowest rates for adult drivers at $49 per month ($586 annually), saving about 45% compared to the state average. State Farm is next at $60 monthly, while other providers like Cumberland and Travelers remain under $70.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Geico | $49 | $586 | -45% | $-478 |
| State Farm | $60 | $725 | -32% | $-338 |
| Cumberland Mutual | $62 | $742 | -30% | $-321 |
| Travelers | $68 | $817 | -23% | $-247 |
| Erie Insurance | $71 | $853 | -20% | $-211 |
Cheapest Car Insurance For Senior Drivers in Maryland
Seniors in Maryland pay the least with Cumberland Mutual and GEICO, both averaging $59 per month (about $704–$713 annually). These rates are nearly 40% below average, keeping coverage affordable for older drivers.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Cumberland Mutual | $59 | $704 | -39% | $-446 |
| Geico | $59 | $713 | -38% | $-437 |
| State Farm | $64 | $771 | -33% | $-378 |
| Erie Insurance | $74 | $887 | -23% | $-263 |
| Nationwide | $83 | $1,000 | -13% | $-150 |
Cheapest Car Insurance For High-Risk Drivers in Maryland
Your driving record is one of the biggest factors affecting car insurance rates in Maryland. Drivers with a clean history pay the lowest premiums, while violations such as texting while driving, speeding tickets, accidents, or DUIs can raise costs significantly. The table below highlights the cheapest providers in Maryland based on different driving records.
- Cheapest for Bad Credit: GEICO (From $89/mo)
- Cheapest With a DUI: GEIO (From $60/mo)
- Cheapest With an Accident: Cumberland Mutual (From $72/mo)
- Cheapest With a Speeding Ticket: GEICO (From $57/mo)
- Cheapest With a Texting While Driving Violation: GEICO (From $57/mo)
Cheapest Car Insurance For Bad Credit in Maryland
Drivers with bad credit can save most with Geico, paying $89 per month ($1,067 annually) about 33% less than the state average. Erie Insurance is priced the same, while Nationwide and Penn National also keep rates competitive under $100 monthly.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Driving Record:Clean
| Geico | $89 | $1,067 | -33% | $-528 |
| Erie Insurance | $89 | $1,071 | -33% | $-523 |
| Nationwide | $96 | $1,152 | -28% | $-443 |
| Penn National Insurance | $97 | $1,170 | -27% | $-425 |
| Cumberland Mutual | $99 | $1,192 | -25% | $-402 |
Cheapest Car Insurance With a DUI in Maryland
GEICO offers the best DUI rates at $60 per month ($718 annually), a 63% discount compared to the state average. State Farm is next at $65 monthly, still saving drivers 60%.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Geico | $60 | $718 | -63% | $-1,245 |
| State Farm | $65 | $779 | -60% | $-1,184 |
| Erie Insurance | $82 | $982 | -50% | $-981 |
| Cumberland Mutual | $85 | $1,020 | -48% | $-943 |
| Travelers | $107 | $1,286 | -34% | $-677 |
Cheapest Car Insurance With an Accident in Maryland
After an at-fault accident, Cumberland Mutual is most affordable at $72 per month ($867 annually), saving drivers 45%. State Farm is nearly identical at $73 monthly, also cutting costs by more than 40%.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Cumberland Mutual | $72 | $867 | -45% | $-700 |
| State Farm | $73 | $880 | -44% | $-687 |
| Geico | $76 | $917 | -41% | $-650 |
| Travelers | $100 | $1,200 | -23% | $-367 |
| Erie Insurance | $105 | $1,258 | -20% | $-309 |
Cheapest Car Insurance With a Speeding Ticket
Drivers with a speeding ticket get the best deal from GEICO, averaging $57 per month ($682 annually), which is 48% cheaper than average. State Farm and Cumberland Mutual follow, both keeping premiums under $70 monthly.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Geico | $57 | $682 | -48% | $-626 |
| State Farm | $65 | $779 | -40% | $-529 |
| Cumberland Mutual | $66 | $794 | -39% | $-514 |
| Erie Insurance | $82 | $982 | -25% | $-326 |
| Travelers | $92 | $1,106 | -15% | $-202 |
Cheapest Car Insurance With a Texting While Driving Violation
GEICO has the lowest rates for texting violations at $57 per month ($682 annually), nearly 48% below the state average. State Farm is close behind at $65 monthly, offering savings of 41%.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Geico | $57 | $682 | -48% | $-628 |
| State Farm | $65 | $779 | -41% | $-531 |
| Cumberland Mutual | $66 | $794 | -39% | $-516 |
| Erie Insurance | $82 | $982 | -25% | $-328 |
| Travelers | $86 | $1,036 | -21% | $-274 |
How to Get the Cheapest Car Insurance in Maryland
Finding the lowest-priced insurance company is just one way to reduce your car insurance costs in Maryland. Check out these proven ways to save the most on auto insurance.
- 1
Compare quotes by region
Rates are higher in Baltimore and the DC suburbs than in rural counties. Comparing quotes across insurers ensures you don’t overpay.
- 2
Meet Maryland’s minimum requirements
Maryland requires 30/60/15 liability, 30/60 UM/UIM, and $2,500 PIP (drivers may waive PIP under certain conditions).
- 3
Use discounts offered in Maryland
Insurers frequently offer defensive driver discounts for seniors, as well as bundling, safe-driver, paperless, and telematics savings.
- 4
Match coverage to state risks
- Baltimore drivers face higher accident and theft rates, making full coverage valuable.
- Coastal drivers may need comprehensive coverage to guard against hurricanes and flooding.
- 5
Apply through MAIF if denied
The Maryland Automobile Insurance Fund (MAIF) provides coverage for drivers rejected by the voluntary market.
Risks of Getting the Cheapest Car Insurance in Maryland
Maryland requires drivers to carry liability insurance with minimum coverage of 30/60/15. This means you need $30,000 for injuries to one person, $60,000 total for injuries in one accident and $15,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Maryland, average property damage claims hit $4,711 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Maryland gets hit with severe weather that damages cars regularly. Storms caused significant insured losses in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against hurricanes, flooding and severe storms that frequently hit Maryland.
Bodily injury damage is more likely to be higher than the minimum limits
Maryland's minimum bodily injury coverage of $30,000 per person often isn't enough for serious accidents. Average bodily injury claims in Maryland reached $28,900 in 2023. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
Maryland has a serious uninsured driver problem, with 12% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Maryland, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in high-risk areas.
Minimum Coverage Requirements in Maryland
Maryland requires all drivers to carry auto insurance before operating a vehicle. The state follows an at-fault system, meaning the driver who causes an accident is financially responsible for damages. Policies must include liability insurance and uninsured/underinsured motorist protection, as well as Personal Injury Protection (PIP). These limits meet state law, but many drivers buy higher coverage amounts for stronger protection
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $30,000 per person |
Bodily Injury Liability (Per Accident) | $60,000 per accident |
Property Damage Liability | $15,000 per accident |
Personal Injury Protection (PIP) | $2,500 per person (can be waived in limited cases) |
Uninsured/Underinsured Motorist Bodily Injury | $30,000 per person / $60,000 per accident |
Uninsured/Underinsured Motorist Property Damage | $15,000 per accident |
Cheap Car Insurance in Maryland: Bottom Line
GEICO offers the lowest car insurance rates in Maryland for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Maryland: FAQ
Below are answers to common questions about affordable car insurance in Maryland to help you find the right coverage.
What are the cheapest car insurance companies in Maryland?
GEICO provides the most affordable car insurance in Maryland, with average annual rates of $611 for minimum coverage and $1,062 for full coverage. State Farm, Travelers, Cumberland Mutual and Erie also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Maryland?
State Farm provides the most affordable rates for young drivers in Maryland, with monthly premiums starting at $138 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in Maryland?
Senior drivers in Maryland can find the most competitive rates with GEICO, offering policies for those 65 and older at an average of $59 per month for minimum coverage.
Who has the cheapest car insurance in Maryland for bad credit?
Nationwide provides the most affordable rates for bad-credit drivers in Maryland, with monthly premiums averaging $103 for minimum coverage and $193 for full coverage.
Who has the cheapest car insurance in Maryland with an accident?
GEICO offers the most affordable car insurance rates for Maryland drivers with an accident history, starting at $80 per month for minimum coverage.
Who has the cheapest car insurance in Maryland with a DUI?
GEICO provides the cheapest car insurance after a DUI in Maryland, with rates of $62 monthly for minimum coverage and $108 monthly for full coverage.
Who has the cheapest car insurance in Maryland for those with a speeding ticket?
Maryland drivers with a speeding ticket can find the lowest insurance rates with GEICO, charging $59 monthly for minimum coverage and $103 for full coverage.
Should you buy the cheapest car insurance in Maryland?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. GEICO balances low prices with solid coverage options in Maryland.
How We Found the Most Affordable Car Insurance in Maryland
MoneyGeek collected auto insurance data from the Maryland Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Maryland.
Maryland Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Maryland
We compared car insurance companies in Maryland that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Maryland.
The minimum coverage liability limits in Maryland are:
- $30,000 per person for bodily injury
- $60,000 per accident for bodily injury
- $15,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision 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.
