Who Has the Cheapest Auto Insurance Quotes in Maryland? (2020)

Find Cheap Auto Insurance Quotes in Your Area

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The average cost of car insurance in Maryland for a minimum coverage policy was $1,180 per year, or $98 per month. Auto insurance quotes will vary, however, depending on how much coverage you purchase.

Rates also vary widely depending on where drivers live and what company they choose to get coverage from. For example, Maryland drivers in Baltimore pay the most for car insurance. Furthermore, the most expensive insurer in Maryland often had auto insurance quotes more than twice the cost of the cheapest carrier.

To find your best rates, consumers should shop around. Read more below, or enter your ZIP code above to find cheap auto quotes from Maryland insurance companies.

Cheap minimum coverage car insurance quotes in Maryland

The cheapest minimum coverage auto insurance policies — which only fulfill Maryland's minimum car insurance requirements — are offered by:

  • Erie
  • State Farm
  • Allstate

Among these three insurers, the average annual car insurance rate is $1,045 per year, or $87 per month and 11% cheaper than the Maryland state average.

This graph shows the insurance companies in Maryland with the lowest average annual premiums.
This graph shows the insurance companies in Maryland with the lowest average annual premiums.

Find the Cheapest Auto Insurance Quotes in Your Area

Currently insured?
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The quotes individual drivers will get will depend on:

  • vehicle type
  • coverage limits
  • and other circumstances

This data illustrates how premiums can vary widely between insurers, and finding the cheapest car insurance quotes requires comparison shopping.

Nationwide, Progressive and GEICO offer the most expensive car insurance quotes in Maryland, with average annual rates of $1,478 per year, or 25% more than the state average.

RankInsurerAnnual car insurance quote
1Erie$766
2State Farm$1,124
3Allstate$1,246
4GEICO$1,392
5Progressive$1,520
6Nationwide$1,523
NAUSAA$691
USAA is a specialty insurer that only insures members of the armed forces and their relatives.

Minimum coverage car insurance policies only fulfill Maryland state law's minimum requirements. Unlike full coverage car insurance, minimum coverage doesn't include comprehensive and collision insurance.

Collision and comprehensive insurance covers damage to a driver's car, regardless of who was at-fault in an accident.

While minimum coverage policies cost less than full coverage car insurance, not having comprehensive and collision coverage, as well as lower coverage limits, could leave you without adequate protection in an accident.

The difference between full and minimum coverage policies in Maryland was $1,251 per year on average.

Cheapest full coverage car insurance in Maryland

The cheapest auto insurance companies for full coverage in Maryland are:

  • Erie: $1,760
  • State Farm: $2,044
  • Allstate: $2,686

These three insurers were the most affordable in Maryland, offering average annual quotes of $2,163 per year, or $267 less than the state average.

The insurers with the most expensive annual car insurance quotes for full coverage in Maryland are:

  • Progressive: $3,178
  • Nationwide: $2,878
  • GEICO: $2,859

Collision and comprehensive insurance coverages, which protect drivers against damage to their vehicles, are included in a full coverage auto insurance policy.

Cheapest full coverage car insurance in Maryland with a prior accident

Maryland drivers with an accident on their driving record can find the cheapest full coverage auto insurance quotes at Erie, State Farm and Allstate.

Together, these insurers offered average annual rates of $2,996 per year, or 15% less than the Maryland average.

RankInsurerAuto quote before accidentAuto quote after accidentDifference
1Erie$1,760$2,311$551
2State Farm$2,044$2,559$515
3Allstate$2,686$4,118$1,432
4GEICO$2,859$4,396$1,537
5Nationwide$2,878$4,425$1,547
6Progressive$3,178$4,880$1,702
NAUSAA$1,611$1,991$380
USAA is a specialty insurer that only insures members of the armed forces and their relatives.

Having a single accident on your driving record can cause your auto insurance quotes to go up significantly.

The difference in annual car insurance rates in Maryland for a full coverage policy with no accident history versus a policy with one accident was $1,095.

annual rate
no accident history$2,431
one accident$3,526

Erie and State Farm distinguished themselves by offering the cheapest quotes for drivers with an accident history, only raising rates by $551 and $515 per year respectively. In comparison, Progressive increased rates by $1,702 for just a single accident.

Best auto insurance companies in Maryland

The best car insurance companies in Maryland are:

  • State Farm
  • Nationwide
  • Erie

These insurers had the best complaint index scores, which help measure customer reviews and service ratings from policyholders.

Allstate and GEICO received the most complaints relative to their market share, suggesting lower levels of customer satisfaction.

Below is a list of all the companies ranked by their complaint index. The lower the index number, the better.

RankInsurance companyComplaint index
1State Farm0.57
2Nationwide0.68
3Erie0.79
4USAA0.84
5Progressive0.88
6GEICO1.20
7Allstate1.21

To identify the best car insurance companies in Maryland, we examined complaints filed against some of the largest insurers in the state. We used the National Association of Insurance Commissioners' (NAIC) complaint index data, which divides a company's share of complaints by the share of premiums underwritten. A lower amount of complaints as a proportion of their market share is a good indicator of customer satisfaction.

Maryland state minimum auto insurance requirements

Maryland's Financial Responsibility Law mandates that drivers carry both liability insurance and uninsured motorist coverages.

These coverages offer financial protection in the event you harm someone else or damage their property in an accident, as well as any damage caused to you in an accident with an uninsured driver.

According to state law, drivers in Maryland are required to carry these coverages with the following minimum limits:

Maryland car insurance requirementsMinimum coverage limits
Bodily injury (BI)$30,000 per person / $60,000 per accident
Property damage (PD)$15,000 per accident
Uninsured/underinsured motorist BI (UM/UIMBI)$30,000 per person / $60,000 per accident
Uninsured/underinsured motorist PD (UM/UIMPD)$15,000 per accident, $250 deductible

Additionally, your insurer is required to include personal injury protection (PIP), which protects you against bodily injury in an accident regardless of who was at-fault.

The minimum PIP Maryland drivers are required to carry is $2,500, though you may choose, in writing, a limited PIP option that essentially waives coverage.

  • A limited PIP policy prevents you from receiving PIP benefits under any PIP policy issued in the state of Maryland.
  • If you carry limited PIP coverage and are injured in an accident while driving your friend's car, for instance, you cannot receive PIP reimbursement through the car insurance policy affiliated with that vehicle.
  • Limited PIP costs less and is worth considering if you have health insurance that covers car accidents.

Although your auto insurance policy may meet Maryland's minimum coverage requirements, it may not be best suited to your needs. We recommend that all Maryland drivers consider opting in for higher coverage limits, as minimum coverage may not be enough to fully cover damages in a costly accident.

Cheapest car insurance in Maryland by city

The cost of insuring a car is different for drivers, depending on where they reside. In this section, we’ll take a detailed look at the city level to see which companies have the lowest rates -- in this case, for a full coverage policy.

In every city, Erie ranked as the cheapest auto insurance company, with State Farm and Allstate frequently rounding out the top three.

Of note, USAA often offered low cost rates, but due to their eligibility requirements for current and former members of the military, we’ve excluded them below to make the list most generally applicable.

CityInsurerAnnual car insurance quote
AberdeenErie$1,708
State Farm$2,130
Allstate$2,636
AnnapolisErie$1,779
State Farm$2,018
GEICO$2,717
BaltimoreErie$2,583
State Farm$3,332
Allstate$3,756
Bel AirErie$1,708
State Farm$2,011
Allstate$2,636
BerlinErie$1,491
State Farm$1,572
Allstate$2,170
Berwyn HeightsErie$2,064
State Farm$2,584
GEICO$2,687
BladensburgErie$2,372
State Farm$2,903
Allstate$3,181
BoonsboroErie$1,364
State Farm$1,687
Allstate$2,255
BowieErie$2,064
State Farm$2,269
Allstate$2,986
BrentwoodErie$2,372
State Farm$2,677
Allstate$3,181
BrunswickErie$1,433
State Farm$1,786
Allstate$2,255
Capitol HeightsErie$2,372
State Farm$3,058
Allstate$3,158
CentrevilleErie$1,491
State Farm$1,602
Allstate$2,170
Chesapeake BeachErie$1,558
State Farm$1,774
Nationwide$2,617
ChestertownErie$1,491
State Farm$1,512
GEICO$2,226
CheverlyErie$2,372
State Farm$2,922
Allstate$3,158
Chevy ChaseErie$1,642
State Farm$1,921
GEICO$2,282
College ParkErie$2,064
GEICO$2,687
State Farm$2,892
DelmarErie$1,491
State Farm$1,698
Allstate$2,170
DentonErie$1,491
State Farm$1,635
Allstate$2,170
District HeightsErie$2,372
State Farm$2,986
Allstate$3,158
EastonErie$1,491
State Farm$1,505
Nationwide$2,152
ElktonErie$1,695
State Farm$2,182
Nationwide$2,556
EmmitsburgErie$1,433
State Farm$1,546
Allstate$2,158
FrederickErie$1,433
State Farm$1,569
Nationwide$2,300
FruitlandErie$1,491
State Farm$1,611
Allstate$2,170
GaithersburgErie$1,865
State Farm$2,232
Allstate$2,608
GlenardenErie$2,064
State Farm$2,780
Allstate$3,079
GreenbeltErie$2,064
State Farm$2,447
Allstate$3,101
HagerstownErie$1,364
State Farm$1,674
Allstate$2,158
HampsteadErie$1,732
State Farm$1,955
Nationwide$2,427
HyattsvilleErie$2,372
State Farm$2,768
Allstate$3,181
LaurelErie$1,929
State Farm$2,268
Allstate$3,049
LeonardtownErie$1,558
State Farm$1,678
Nationwide$2,300
ManchesterErie$1,732
State Farm$1,973
Nationwide$2,427
MiddletownErie$1,433
State Farm$1,750
Allstate$2,255
Mount AiryErie$1,580
State Farm$1,630
GEICO$2,382
Mount RainierErie$2,372
State Farm$2,677
Allstate$3,181
North EastErie$1,721
State Farm$2,116
Allstate$2,636
Ocean CityErie$1,491
State Farm$2,035
GEICO$2,717
PerryvilleErie$1,721
State Farm$2,198
Allstate$2,636
Pocomoke CityErie$1,491
State Farm$1,659
Allstate$2,170
PoolesvilleErie$1,816
State Farm$2,138
GEICO$2,612
Rising SunErie$1,695
State Farm$2,146
Allstate$2,636
RockvilleErie$1,962
State Farm$2,296
GEICO$2,699
SalisburyErie$1,491
State Farm$1,733
Allstate$2,170
TaneytownErie$1,580
State Farm$1,828
Nationwide$2,427
ThurmontErie$1,433
State Farm$1,591
Allstate$2,265
WalkersvilleErie$1,433
State Farm$1,684
Nationwide$2,300
WestminsterErie$1,580
State Farm$1,971
Nationwide$2,427

Consumers looking to save on their car insurance should compare quotes from at least three companies. To better compare rates in Maryland, we take a closer look at the cheapest car insurance companies in:

Cheap auto insurance in Baltimore, Maryland

  • Average annual car insurance quote in Baltimore = $3,714
  • 53% more expensive than Maryland average

Baltimore is the city with the highest car insurance costs in Maryland by far. The companies with the best auto insurance quotes in Baltimore overall are Erie, State Farm and Allstate.

Together, these insurers cost an average of $3,209, which represents a 14% decrease compared to the citywide average.

Car insurance at the most expensive insurer, Progressive ($4,933), was $2,395 more expensive than that of the cheapest insurer, Erie ($2,538). The range of costs in Baltimore also illustrates why drivers should always shop around for car insurance and compare quotes from multiple companies.

Cheap auto insurance in Frederick, Maryland

  • Average annual car insurance quote in Frederick = $2,064
  • 15% cheaper than Maryland average

The cheapest car insurance companies in Frederick are Erie, State Farm and Nationwide. Together, they average an annual rate of $1,767, which is 14% more affordable than the Frederick average.

Cheap auto insurance in Gaithersburg, Maryland

  • Average annual car insurance quote in Gaithersburg = $2,481
  • 2% more expensive than Maryland average

The cost of car insurance in Gaithersburg is similar to the Maryland average. However, quotes can vary widely, as policies with the most expensive insurer in Gaithersburg, Progressive, cost $1,391 more than the cheapest, Erie.

Cheap auto insurance in Rockville, Maryland

  • Average annual car insurance quote in Rockville = $2,516
  • 3% more expensive than Maryland average

Drivers in Rockville pay only slightly more for car insurance than the average Maryland driver. If you’re looking for cheap car insurance in Rockville, we suggest comparison shopping as rates differ greatly across companies. For example, the most expensive insurer, Progressive, offered rates 1.59 times the cost of car insurance at the cheapest insurer, Erie.

Cheap auto insurance in Bowie, Maryland

  • Average annual car insurance quote in Bowie = $2,707
  • 11% more expensive than Maryland average

We found the cheapest rates in Bowie at Erie, State Farm and Allstate, which offered auto insurance at a 10% discount to the city average.

What’s the average cost of auto insurance in Maryland?

The average cost of full coverage car insurance in Maryland is $2,431 per year, or approximately $203 per month.

Your actual quotes will vary depending on your location and driver profile.

The cheapest Maryland cities for full coverage car insurance are:

  • Easton
  • Denton
  • Berlin

The most expensive Maryland cities for auto insurance, located in densely-populated metro areas, include:

  • Baltimore
  • Capitol Heights
  • District Heights

Here is a list of the average annual car insurance quotes in 50 of Maryland's largest cities, ranked from cheapest to most expensive.

RankCityAuto insurance quote
1Easton$1,919
2Denton$1,947
3Berlin$1,957
4Ocean City$1,958
5Hagerstown$1,980
6Fruitland$1,988
7Pocomoke City$1,998
8Salisbury$1,998
9Delmar$1,999
10Centreville$2,002
11Chestertown$2,013
12Boonsboro$2,013
13Emmitsburg$2,033
14Thurmont$2,046
15Brunswick$2,059
16Frederick$2,064
17Middletown$2,070
18Walkersville$2,079
19Mount Airy$2,146
20Leonardtown$2,165
21Chevy Chase$2,248
22Chesapeake Beach$2,262
23Westminster$2,277
24Taneytown$2,283
25Manchester$2,321
26Annapolis$2,352
27Hampstead$2,377
28Elkton$2,383
29Bel Air$2,423
30Poolesville$2,429
31North East$2,438
32Perryville$2,443
33Aberdeen$2,460
34Gaithersburg$2,481
35Rising Sun$2,488
36Rockville$2,516
37Berwyn Heights$2,660
38Laurel$2,678
39Bowie$2,707
40Greenbelt$2,792
41College Park$2,830
42Glenarden$2,968
43Mount Rainier$3,112
44Brentwood$3,147
45Hyattsville$3,185
46Bladensburg$3,212
47Cheverly$3,234
48District Heights$3,256
49Capitol Heights$3,346
50Baltimore$3,714

Methodology

We collected auto insurance quotes for Maryland cities from seven car insurance companies.

Our sample driver was a:

  • 30-year-old male
  • Driving a 2015 Honda Civic EX

The driver was profiled as having no credit history, making him equivalent to a driver with below-fair to poor credit, according to our data source, Quadrant Information Services.

Unless otherwise noted, our sample driver held full coverage car insurance with the following limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

For a minimum coverage policy, our sample driver had coverage equivalent to the minimum Maryland state requirements.

Average premiums are for illustrative purposes, as individual quotes will differ based on driving history, ZIP codes, vehicle type, coverage limits chosen and other factors.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Sources

Mark Fitzpatrick

Mark is a Senior Research Analyst for ValuePenguin focusing primarily on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.