Cheapest Auto Insurance Quotes in Maryland (2025)
State Farm has the best cheap car insurance in Maryland, at $117 per month for full coverage.
Find Cheap Car Insurance Quotes in Maryland
Best cheap Maryland car insurance companies
How we chose the top companies
Best and cheapest car insurance in Maryland
- Cheapest full coverage: State Farm, $117/mo
- Cheapest minimum liability: State Farm, $62/mo
- Cheapest for young drivers: Erie, $158/mo
- Cheapest after a ticket: State Farm, $126/mo
- Cheapest after an accident: State Farm, $142/mo
- Cheapest for teens after a ticket: State Farm, $64/mo Erie, $193/mo
- Cheapest after a DUI: Erie, $174/mo
- Cheapest for poor credit: Geico, $204/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm and Erie offer the best mix of low rates and great customer service in Maryland.
Geico also has cheap rates, but its customer service is middle-of-the-road. Erie and State Farm may get you back on the road faster if you're ever in an accident.
Cheapest car insurance in Maryland: State Farm
State Farm has the cheapest full coverage insurance quotes in Maryland.
Full coverage from State Farm costs around $117 per month, which is $52 per month less than the Maryland average.
USAA has the cheapest full coverage rates for Maryland drivers with military ties, at $91 per month. Only military members, veterans and some of their family members can buy car insurance from USAA.
Find Cheap Car Insurance Quotes in Maryland
The average cost of car insurance in Maryland is $169 per month for a full coverage policy. That's fairly close to the national average, which is $175 per month.
Cheapest full coverage car insurance in Maryland
Company | Monthly rate | |
|---|---|---|
| State Farm | $117 |
| Geico | $143 |
| Erie | $149 |
| Travelers | $154 |
| Progressive | $171 |
*USAA is only available to current and former military members and their families.
Cheapest liability car insurance quotes in Maryland: State Farm
State Farm has the best cheap liability car insurance in Maryland.
A policy from State Farm costs just $62 per month. That's $28 per month less than the Maryland average, which is $90 per month.
Cheapest Maryland liability insurance
Company | Monthly rate |
|---|---|
| State Farm | $62 |
| Geico | $71 |
| Erie | $76 |
| Travelers | $83 |
| Progressive | $97 |
*USAA is only available to current and former military members and their families.
Military members, veterans and their families can find even cheaper rates at USAA, where a liability-only policy costs $37 per month. That's $25 cheaper per month than a policy from State Farm.
Find Cheap Car Insurance Quotes in Maryland
Cheapest MD auto insurance for teens: Erie
Erie has the best cheap quotes for Maryland teens.
Erie offers minimum liability coverage for just $158 per month for 18-year-old drivers. That's $138 per month cheaper than the state average for teen drivers. Erie is also the cheapest option for full coverage, at $320 per month.
Maryland teens who are eligible for USAA can get even lower rates. At $89 per month, USAA's minimum-liability rate is one-third of the state average for young drivers.
Cheapest car insurance for young drivers in Maryland
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $158 | $320 |
| State Farm | $183 | $357 |
| Travelers | $228 | $415 |
| Progressive | $245 | $502 |
| Geico | $252 | $549 |
*USAA is only available to current and former military members and their families.
Car insurance for young drivers in Maryland is three times more expensive than for older drivers. That's because young drivers have less experience and are more likely to have risky driving behavior. This means they're more likely to get into an accident.
The best way for teens to save money on their car insurance is to share a policy with their parents or an older relative. This is typically much cheaper than buying two separate policies.
Many insurance companies also offer discounts geared towards young drivers. For example, Erie offers discounts to drivers under 21 who live at home, college students and young drivers who complete a driver training course.
Cheap auto insurance in MD after a speeding ticket: State Farm
State Farm has the cheapest car insurance for drivers in Maryland with a recent speeding ticket. A full coverage policy from State Farm costs $126 per month after a single speeding ticket. That's $87 per month less than the Maryland average.
Affordable Maryland insurance quotes after a ticket
Company | Monthly rate |
|---|---|
| State Farm | $126 |
| Erie | $174 |
| Geico | $184 |
| Travelers | $200 |
| Progressive | $222 |
*USAA is only available to current and former military members and their families.
On average, car insurance costs go up by 26% after a single speeding ticket in Maryland. That's an increase of around $44 per month for a full coverage policy.
Cheap auto insurance in Maryland after an accident: State Farm
State Farm has the most affordable car insurance in Maryland for drivers with an accident on their record. A full coverage policy from State Farm costs $142 per month after an at-fault accident, which is $131 less per month than the state average.
Low-cost MD car insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $142 |
| Erie | $220 |
| Travelers | $221 |
| Progressive | $243 |
| Geico | $249 |
*USAA is only available to current and former military members and their families.
Full coverage rates in Maryland go up by an average of 61% after an at-fault accident.
Don't rush to switch car insurance companies right after your accident. Your rates won't go up until your current policy renews. However, any quotes you get will probably be more expensive, since they'll factor in your accident.
It's best to wait to compare quotes until you get your renewal offer in the mail, typically a few weeks to a month before your policy expires. Then, you should shop around to find the best price for you.
Cheap car insurance in MD for teens with a ticket or crash: Erie
Erie has the cheapest quotes for young drivers in Maryland with a speeding ticket or at-fault accident on their records.
Minimum liability coverage from Erie costs $193 per month for an 18-year-old driver with one speeding ticket. That's $154 per month less than the Maryland state average.
Erie also has the cheapest rates after an at-fault accident. Minimum liability from Erie costs $217 per month after a crash, which is $182 per month cheaper than the state average.
USAA has even cheaper prices for young drivers after a crash or ticket. But it's only available if you or a family member is affiliated with the military.
Affordable quotes for Maryland teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Erie | $193 | $217 |
| State Farm | $198 | $227 |
| Progressive | $268 | $273 |
| Geico | $294 | $324 |
| Travelers | $294 | $336 |
*USAA is only available to current and former military members and their families.
Young Maryland drivers who get caught speeding can expect their rate to increase by 17%, on average. Rates for young drivers go up by about 35% after a crash.
Cheap Maryland auto insurance after a DUI: Erie
Erie has the cheapest car insurance rates for Maryland drivers with a DUI. A full coverage policy from Erie costs $174 per month, which is $132 per month cheaper than average.
Geico also offers affordable coverage after a DUI, at $204 per month.
Best Maryland car insurance quotes after a DUI
Company | Monthly rate |
|---|---|
| Erie | $174 |
| Geico | $204 |
| Travelers | $234 |
| Progressive | $250 |
| Allstate | $349 |
*USAA is only available to current and former military members and their families.
In Maryland, car insurance rates increase by an average of 81% after a DUI.
Maryland drivers with a DUI will need to get SR-22 insurance. It typically costs between $15 and $50 for an insurance company to file an SR-22 form on your behalf. This is on top of any increase to your car insurance rates.
Cheapest car insurance in MD for drivers with poor credit: Geico
Geico offers the cheapest auto insurance quotes for drivers with poor credit. A full coverage policy from Geico costs $204 per month, which is $126 per month less than the Maryland average.
Company | Monthly rate |
|---|---|
| Geico | $204 |
| Progressive | $250 |
| Travelers | $292 |
| Nationwide | $326 |
| Erie | $343 |
*USAA is only available to current and former military members and their families.
Maryland drivers with poor credit pay nearly twice as much for insurance as drivers with good credit. Your credit score can impact your auto insurance rate because insurance companies believe drivers with bad credit tend to file more claims.
Best car insurance in Maryland
Erie has the best car insurance in Maryland for most people.
Erie offers a good combination of dependable customer service and affordable quotes. It is ranked highly by J.D. Power and gets fewer complaints than average from customers.
USAA has even better customer service scores, but it's not available to everyone. Only military members, veterans and some of their family members can buy car insurance from USAA.
Top auto insurance companies in Maryland
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA* | 739 | A++ | |
| Erie | 700 | A+ | |
| State Farm | 657 | A++ | |
| Nationwide | 641 | A | |
| Geico | 637 | A++ |
*USAA is only available to military members, veterans and their families.
Average car insurance cost in Maryland by city
Eckhart Mines, a community near Frostburg State University, has the cheapest car insurance in Maryland.
The average cost of car insurance in Eckhart Mines is $135 per month for full coverage.
Drivers in Gwynn Oak, a Baltimore suburb, pay the most for car insurance in Maryland, at $264 per month. This could be because of the increased traffic and higher crime rates that often come with city living.
Average car insurance quotes in Maryland by city
City | Monthly Rate | % from average |
|---|---|---|
| Abell | $153 | -10% |
| Aberdeen | $171 | 1% |
| Aberdeen Proving Ground | $177 | 4% |
| Abingdon | $175 | 3% |
| Accident | $144 | -15% |
Maryland state minimum car insurance requirements
Maryland state law requires drivers to have a minimum amount of liability car insurance, often written as 30/60/15. You must also have uninsured and underinsured motorist liability coverage.
- Bodily injury (BI): $30,000 per person and $60,000 per accident
- Property damage (PD): $15,000 per accident
- Uninsured and underinsured motorist BI (UM/UIMBI): $30,000 per person and $60,000 per accident
- Uninsured and underinsured motorist PD (UM/UIMPD): $15,000 per accident
These coverages pay for damage to someone's property or injuries you cause in an accident, up to your policy limits. They also cover your medical bills or damage to your vehicle after an accident with an uninsured driver or a driver whose policy limits aren't high enough to cover all of your damages.
What's the best car insurance coverage for Maryland drivers?
Full coverage car insurance is the best choice for most Maryland drivers.
That's because full coverage car insurance includes collision and comprehensive insurance. These coverages pay for many types of damage to your car, regardless of whose fault it is.
Most lenders require you to have comprehensive and collision coverage if you have a car loan or lease. It's also a good idea to get these coverages if your car is less than eight years old or worth more than $5,000.
Full coverage insurance in Maryland can also include personal injury protection (PIP) insurance. Buying a policy with no PIP protection will cost less, and it may seem like a smart idea if you have a good health care policy. But your health insurance won't pay your living expenses if you're unable to work, while PIP will.
Lastly, full coverage insurance typically has higher liability limits than the state requires. This is important because Maryland's minimum requirements probably aren't high enough to cover the cost of a serious accident.
For example, if you crash into and total an expensive new car, $15,000 of property damage liability coverage won't be enough to replace it. If you only have minimum coverage, you'll have to pay the difference out of pocket.
Frequently asked questions
Who offers the cheapest car insurance in Maryland?
State Farm has the cheapest full coverage quotes in Maryland, at $117 per month. It also offers the best price for liability-only coverage, at $62 per month.
How much is car insurance in Maryland?
The average full coverage auto insurance policy in Maryland costs $169 per month, while a minimum liability policy costs $90 per month.
Who has the best auto insurance in Maryland?
Erie has the best car insurance in Maryland. It has dependable customer service, useful coverage and affordable rates for most drivers. State Farm and USAA are also great options for Maryland drivers.
How much is car insurance in Baltimore?
Drivers in Baltimore pay $253 per month for full coverage car insurance, which is $145 per month more than the Maryland average.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Maryland for the state's largest insurance companies. Rates are for a 30-year-old man with a 2015 Honda Civic EX who has good credit.
Quotes are for a full coverage policy with the following limits:
- Bodily injury liability: $50,000 per person; $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist bodily injury: $50,000 per person; $100,000 per accident
- Uninsured motorist property damage: $25,000 per accident
- Collision and comprehensive: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
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.