Cheapest Car Insurance in Maryland for 2026

Maryland ranks 43rd most affordable with full coverage averaging $150/month. GEICO leads at $84/month for full coverage and $49/month for minimum coverage.

Get the most affordable Maryland car insurance below.

Written by Mark Fitzpatrick

Updated: April 30, 2026

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Maryland ranks 43rd most affordable of 50 states (8th most expensive) with full coverage averaging $150/month ($1,800/year), 24% above the national average, per Quadrant Information Services data.

GEICO is cheapest for both minimum coverage ($49/month) and full coverage ($84/month), and leads all four violation categories. Maryland has an extreme gender gap for teen drivers: a 16-year-old boy on a GEICO family policy costs $347/month vs. $244/month for a girl, a $103/month ($1,236/year) difference for the same insurer on the same policy type.

Cheapest in Maryland by coverage type

Full coverage: GEICO, $84/month
Minimum coverage: GEICO, $49/month

Cheapest by driver age

Young adult drivers: State Farm, $267/month
Teen drivers (16) on a family policy: GEICO, $244/month (female) / $347/month (male)
Seniors (65+): GEICO, $101/month

Cheapest by driving record and credit score

Speeding ticket: GEICO, $97/month
At-fault accident: GEICO, $130/month
DUI: GEICO, $102/month
Texting while driving: GEICO, $97/month
Bad credit: Nationwide, $177/month

MoneyGeek analyzed 11 companies across all Maryland ZIP codes. Our baseline profile uses a 40-year-old driver with a clean record, good credit, 100/300/100 coverage, and a $1,000 deductible. We also analyzed additional profiles including young drivers (ages 16 to 25, with separate male and female rates), seniors, and drivers with violations and poor credit.

Maryland uses gender as a rating factor, so young driver analysis reflects separate rates for male and female drivers. All rates are ZIP code averages. Data were provided by Quadrant Information Services.

Cheapest Minimum and Full Coverage Car Insurance in Maryland

GEICO is the cheapest car insurance provider in Maryland for both minimum coverage ($49/month) and full coverage ($84/month). Choosing GEICO over Allstate, the most expensive provider at $236/month for full coverage, saves $152/month ($1,824/year). Compare options with the best car insurance in Maryland to find coverage that fits your needs.

Maryland's minimum required coverage is 30/60/15: $30,000 per person bodily injury, $60,000 per accident, and $15,000 property damage, plus required uninsured/underinsured motorist (UM/UIM) coverage. Maryland is an at-fault state, so the at-fault driver is responsible for the other party's costs. Personal injury protection (PIP) is available as an optional add-on but is not required. My full coverage benchmark uses 100/300/100 limits plus comprehensive coverage, collision coverage, and a $1,000 deductible.

For example, if you cause an accident that injures two people with $40,000 in medical bills each, Maryland's $30,000 per-person minimum leaves you exposed to $10,000 out-of-pocket per person ($20,000 total). Higher limits cover your assets in serious accidents.


Geico	$49
State Farm	$60
Cumberland Mutual	$62
Travelers	$68
Erie Insurance	$71


Geico	$84
State Farm	$113
Travelers	$118
Nationwide	$119
Cumberland Mutual	$120

Cheapest Car Insurance by Age in Maryland

State Farm is the cheapest provider for young adult standalone drivers in Maryland at $267/month, the one category where GEICO does not lead. GEICO is cheapest for seniors at $101/month. Maryland has an extreme gender gap for teen drivers: a 16-year-old boy on a GEICO family policy costs $347/month vs. $244/month for a girl, a $103/month ($1,236/year) difference at the same age with the same insurer. The gap narrows through the ages and fully closes at age 25, when both male and female rates reach $174/month with GEICO.

Open the dropdowns for full breakdowns of car insurance rates by age:


Young Adult (Standalone)	State Farm	$267
Teen (16, Female, Family Policy)	Geico	$244
Teen (16, Male, Family Policy)	Geico	$347
Senior (65+)	Geico	$101

State Farm is cheapest for young drivers at $267 a month; Erie is second at $270 a month, $3 more.

The gender gap on family policies in Maryland is wide. At age 16 with GEICO, girls cost $244 a month and boys cost $347 a month, a $103 a month ($1,236 a year) gap for the same policy. The gap holds through age 24 before closing fully at age 25, when GEICO charges women and men the same $174 a month. Boys pay more than girls through their early-to-mid 20s. Staying on a family policy costs less than a separate policy until the mid-20s.


16	Geico	$244	$146
17	Geico	$243	$146
18	Geico	$230	$138
19	Geico	$230	$138
20	Geico	$229	$137
21	Geico	$175	$105
22	Geico	$173	$104
23	Geico	$172	$103
24	Geico	$173	$104
25	Geico	$174	$105


16	Geico	$347	$208
17	Geico	$346	$208
18	Geico	$327	$196
19	Geico	$328	$197
20	Geico	$326	$195
21	Geico	$243	$146
22	Geico	$239	$143
23	Geico	$220	$132
24	Geico	$221	$132
25	Geico	$174	$105

GEICO is the cheapest car insurance for seniors in Maryland at $101 a month, $17 above its standard adult rate of $84 a month. Cumberland Mutual is second at $112 a month, $11 more. Erie is the most expensive of the five at $141 a month, $40 more than GEICO ($480 a year).

Defensive driving discounts and bundling can offset Maryland's above-average senior rates.
Geico
$101
Cumberland Mutual
$112
State Farm
$117
Nationwide
$121
Erie Insurance
$141


Geico	$101
Cumberland Mutual	$112
State Farm	$117
Nationwide	$121
Erie Insurance	$141

Cheapest Car Insurance for High-Risk Drivers in Maryland

GEICO leads all four categories for high-risk car insurance in Maryland: speeding tickets ($97/month), at-fault accidents ($130/month), DUI ($102/month), and texting while driving ($97/month). Nationwide leads for bad credit at $177/month. GEICO's DUI rate of $102/month is only $18/month above its clean-record rate of $84/month.

Rate impacts vary by violation type. Based on my analysis of 11 insurers across Maryland ZIP codes, a speeding ticket adds approximately 15% to statewide average rates, while an at-fault accident adds roughly 55% on a statewide average basis. A DUI typically increases statewide average rates by 20% to 25% in Maryland, lower than many states. These figures represent averages across all 11 analyzed insurers and individual results will vary by provider. Bad credit can more than double rates compared to good credit.

Maryland restricts credit use: while credit can be used to set initial rates, per Maryland Insurance Administration regulations, insurers cannot use credit to cancel, non-renew, or increase rates at renewal. This restriction limits the ongoing impact of poor credit on Maryland drivers' rates compared to states with no such restrictions. GEICO's DUI rate of $102/month reflects a three-year violation lookback period, consistent with Maryland's standard violation rating window.


Speeding Ticket	Geico	$97
At-Fault Accident	Geico	$130
DUI	Geico	$102
Texting While Driving	Geico	$97
Bad Credit	Nationwide	$177

GEICO is cheapest after a speeding ticket at $97 a month, $13 above its clean-record rate of $84 a month. State Farm is second at $120 a month, $23 more. Nationwide is the most expensive of the five at $162 a month, $65 more than GEICO ($780 a year).
Geico
$97
State Farm
$120
Cumberland Mutual
$133
Erie Insurance
$156
Nationwide
$162
GEICO is cheapest for high-risk car insurance in Maryland after an at-fault accident at $130 a month, $46 above its clean-record rate of $84 a month. State Farm is second at $135 a month, $5 more. Erie is the most expensive of the five at $196 a month, $66 more than GEICO ($792 a year).
Geico
$130
State Farm
$135
Cumberland Mutual
$140
Travelers
$177
Erie Insurance
$196
GEICO is cheapest after a DUI at $102 a month, $18 above its clean-record rate of $84 a month. GEICO's DUI rate reflects Maryland's standard three-year violation lookback period. State Farm is second at $120 a month, $18 more. Travelers is the most expensive of the five at $191 a month, $89 more than GEICO ($1,068 a year). Maryland requires an SR-22 filing after a DUI.
Geico
$102
State Farm
$120
Erie Insurance
$156
Cumberland Mutual
$165
Travelers
$191
GEICO is cheapest after a texting while driving violation at $97 a month, which is the same as its speeding ticket rate. State Farm is second at $120 a month. Erie is the most expensive of the five at $156 a month, $59 more than GEICO ($708 a year).
Geico
$97
State Farm
$120
Cumberland Mutual
$133
Travelers
$151
Erie Insurance
$156
Nationwide is cheapest for drivers with bad credit at $177 a month, more than double GEICO's clean-record rate of $84 a month. Cumberland Mutual is second at $182 a month, $5 more. Erie is the most expensive of the five at $212 a month, $35 more than Nationwide ($420 a year).

Per Maryland Insurance Administration regulations, Maryland allows credit to set initial rates but prohibits using it to cancel, non-renew or increase rates at renewal. Poor credit affects new policy pricing, not ongoing renewals.

Credit-based insurance scoring uses credit history to predict claim likelihood, where lower scores correlate with higher claim frequency. Improving your credit cuts rates when you shop for a new policy. Our guide to low-income car insurance in Maryland covers assistance programs.
Nationwide
$177
Cumberland Mutual
$182
Geico
$196
Penn National Insurance
$199
Erie Insurance
$212


Geico	$97
State Farm	$120
Cumberland Mutual	$133
Erie Insurance	$156
Nationwide	$162


Geico	$130
State Farm	$135
Cumberland Mutual	$140
Travelers	$177
Erie Insurance	$196


Geico	$102
State Farm	$120
Erie Insurance	$156
Cumberland Mutual	$165
Travelers	$191


Geico	$97
State Farm	$120
Cumberland Mutual	$133
Travelers	$151
Erie Insurance	$156


Nationwide	$177
Cumberland Mutual	$182
Geico	$196
Penn National Insurance	$199
Erie Insurance	$212

Cheapest Car Insurance Quotes in Maryland by City

GEICO is the cheapest car insurance provider in all 10 Maryland cities analyzed. The biggest meaningful rate gap is between Baltimore at $120/month and Frederick at $69/month, a $51/month ($612/year) difference. Baltimore is Maryland's largest city with the state's highest traffic density, accident frequency, and vehicle theft rates.

According to the National Insurance Crime Bureau (NICB) Hot Spots report, Baltimore consistently ranks among the top 20 U.S. metro areas for vehicle theft per capita. Frederick is a smaller city in western Maryland with lower density and fewer claims.

Several Washington DC suburbs cluster closely: College Park ($84/month), Gaithersburg ($84/month), Rockville ($81/month), and Laurel ($85/month) are all within $4/month of each other, reflecting comparable suburban DC risk profiles. Hagerstown ($70/month) and Salisbury ($74/month) are lower-cost given their smaller size and distance from major urban centers, so compare car insurance options.


Annapolis	Geico	$80
Baltimore	Geico	$120
Bowie	Geico	$89
College Park	Geico	$84
Frederick	Geico	$69
Gaithersburg	Geico	$84
Hagerstown	Geico	$70
Laurel	Geico	$85
Rockville	Geico	$81
Salisbury	Geico	$74

What Does Maryland's Minimum Coverage Actually Protect You From?

Maryland's minimum covers the other driver well — and leaves you mostly on your own.

If you cause a crash, the 30/60 bodily injury limits pay for the other driver's injuries, and mandatory UM coverage protects you if an uninsured driver hits you. You also get $2,500 in PIP, which covers your own medical costs regardless of fault — but that amount disappears in a single hospital visit, so meaningful first-party protection effectively requires adding more.

The $15,000 property damage limit is the other weak point. Below the national norm, it's unlikely to cover a newer car in a serious collision — leaving you personally liable for the difference.

If you're considering upgrading, property damage and PIP are the two limits most worth increasing. At 93% above the national average for state minimum rates, that upgrade costs more here than almost anywhere else — which makes shopping providers before adding coverage especially important.

Image showing Maryland state minimum car insurance liability requirements compared to other states in the US.

How to Get the Cheapest Car Insurance in Maryland

Maryland drivers can lower car insurance costs through several strategies. The biggest savings come from comparing quotes: choosing GEICO ($84/month) over Allstate ($236/month) saves $152/month ($1,824/year) for identical full coverage. In Maryland, credit affects new policy pricing but not renewals, a useful context for drivers with credit challenges. Compare car insurance options and review the cheapest car insurance companies to find the best rates.

Compare quotes from multiple insurers

GEICO ($84/month) and Allstate ($236/month) are $152/month apart for identical full coverage. Even comparing Geico and State Farm ($113/month) is a $29/month difference worth verifying at each renewal.

Match coverage to your vehicle's value

Full coverage averages $150/month in Maryland. If your car is worth less than a few thousand dollars, minimum coverage may be sufficient. Decide what fits your situation by reviewing how much car insurance you need.

Enroll in a telematics program

GEICO DriveEasy and State Farm Drive Safe & Save reward safe driving. Based on insurer-published program discounts, these programs can reduce rates by 10% to 30% for drivers who brake gently, avoid hard acceleration and drive during safer hours.

Bundle home and auto

Bundling home and auto insurance in Maryland saves 10% to 25% on both policies, based on insurer-published bundle discounts.

Take a defensive driving course

Maryland-approved defensive driving courses, such as those offered by the Maryland Motor Vehicle Administration or AAA, can reduce rates by 5% to 10% for three years, per Maryland MVA guidelines and participating insurer policies. Check with your insurer for eligible courses.

Re-shop when violations age off

Most Maryland violations affect rates for three years. Geico's DUI rate ($102/month) is competitive among Maryland insurers. Re-shopping at renewal after a DUI clears can recover substantial savings.

Understand Maryland's credit restrictions

Credit affects new policy rates in Maryland but cannot be used to raise rates at renewal, per Maryland Insurance Administration regulations. Drivers with improving credit should re-shop at renewal to capture lower rates from a new policy with a better credit profile.

Consider non-owner coverage

If you don't own a car but drive occasionally, non-owner car insurance in Maryland provides liability protection at lower cost.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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