Cheapest for: Minimum liability | Full coverage | Prior incidents | Young drivers
Who Has the Best Cheap Auto Insurance Quotes in Maryland? (2023)
Who Has the Best Cheap Auto Insurance Quotes in Maryland? (2023)
Geico has the best cheap car insurance in Maryland. A minimum coverage policy costs $55 per month.
Best cheap car insurance in Maryland
To help you find the best cheap car insurance in MD, our editorial team compared quotes from top car insurance companies in the state across every ZIP code. Quotes for minimum coverage meet the MD auto insurance minimum requirements of $30,000 in bodily injury liability coverage per person and $60,000 per accident, plus $15,000 in property damage coverage and uninsured motorist coverage with the same limits. Quotes for full coverage policies include higher liability limits than state minimums, plus collision and comprehensive coverage.
We also rated the best car insurance in Maryland based on the cost for different drivers, customer service reviews, convenience and coverage availability.
Cheapest car insurance quotes in Maryland: Geico
Geico has the best cheap minimum coverage insurance in Maryland. Quotes from Geico average $55 per month, or $657 per year — 27% lower than the state average.
The average cost of Maryland car insurance is $75 per month, or $897 per year, for minimum liability.
Military members, veterans and their families can take advantage of even cheaper rates from USAA, which charges $32 per month for a minimum coverage policy. That's $23 cheaper per month than a policy from Geico.
Cheapest minimum coverage car insurance in Maryland
Company | Monthly rate | |
|---|---|---|
| Geico | $55 |
| State Farm | $60 |
| Erie | $67 |
| Travelers | $71 |
| Progressive | $87 |
*USAA is only available to current and former military members and their families.
Minimum liability car insurance policies have the cheapest rates. However, they could cost you more in the long run if you're in an accident.
A minimum coverage policy in Maryland pays for injuries caused by an accident or damage to the other driver's car or property. It does not include protection for damage to your own car if you cause an accident.
For this reason, we recommend full coverage car insurance for Maryland drivers with a car less than 10 years old or worth more than $3,000.
Cheapest full coverage car insurance in Maryland: State Farm
State Farm has the cheapest full coverage insurance quotes in Maryland. State Farm's average rate is $109 per month, which is 23% cheaper than the state average for a full coverage policy.
Full coverage car insurance in Maryland costs $143 per month, or $1,714 per year, on average.
Drivers eligible for USAA have access to even cheaper quotes. At $70 per month, a policy from USAA is $39 cheaper than a policy from State Farm.
Cheapest full coverage car insurance in Maryland
Company | Monthly rate |
|---|---|
| State Farm | $109 |
| Geico | $115 |
| Erie | $130 |
| Travelers | $131 |
| Progressive | $140 |
*USAA is only available to current and former military members and their families.
Full coverage auto insurance includes liability insurance along with comprehensive and collision coverage, which pay for damage to your own vehicle.
Minimum coverage policies cost $68 less per month than full coverage car insurance in Maryland. However, having lower liability limits and declining comprehensive and collision coverage could leave you without enough protection in a major accident.
Cheap car insurance quotes for Maryland drivers with prior incidents
State Farm has the cheapest quotes for Maryland drivers with a speeding ticket or at-fault accident on their record.
When you cause an accident or get a ticket for a traffic violation, your auto insurance costs will almost always increase. This is because insurance companies view you as a high-risk driver who is more likely to make a claim.
Find Cheap Auto Insurance Quotes in Maryland
Cheapest car insurance quotes after a speeding ticket: State Farm
State Farm has the cheapest full coverage car insurance for drivers in Maryland who have been caught speeding. At an average price of $120 per month, drivers with State Farm can expect a 10% rate increase after receiving a ticket.
Company | Monthly rate |
|---|---|
| State Farm | $120 |
| Geico | $149 |
| Erie | $151 |
| Progressive | $163 |
| Travelers | $171 |
On average, car insurance costs go up by 21% after a single speeding violation in Maryland.
Best cheap car insurance in MD after an accident: State Farm
Maryland drivers with an accident on their driving record can find the cheapest quotes at State Farm. A full coverage policy from State Farm costs $136 per month after an at-fault accident, which is $81 less per month than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $136 |
| Travelers | $190 |
| Erie | $191 |
| Progressive | $199 |
| Geico | $201 |
On average, car insurance quotes in Maryland go up by 52% after a single at-fault accident.
Cheapest car insurance rates after a DUI: State Farm
Erie has the cheapest car insurance rates for Maryland drivers with a DUI on their driving record. A full-coverage policy from Erie costs $151 per month, which is 37% cheaper than average.
Company | Monthly rate |
|---|---|
| Erie | $151 |
| Geico | $165 |
| Progressive | $177 |
| Travelers | $200 |
| Allstate | $226 |
Driving under the influence is a serious traffic offense which can lead to a significant increase in insurance rates when it's time to renew your policy. In Maryland, car insurance rates increase 67%, on average, after a DUI citation.
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 $165 per month, which is 30% cheaper than average.
Company | Monthly rate |
|---|---|
| Geico | $165 |
| Progressive | $196 |
| State Farm | $238 |
| Travelers | $251 |
| Erie | $300 |
Your credit score does not affect your ability to drive safely, but it can impact your auto insurance rate. That's because statistics show that drivers with bad credit tend to file more claims.
Maryland drivers with poor credit pay 65% more for insurance than drivers with good credit.
Cheapest car insurance for young drivers in Maryland: Erie
Erie offers the best cheap quotes for 18-year-old drivers in Maryland.
At $155 per month, a minimum coverage policy with Erie is $78 cheaper per month than the state average for teen drivers. Erie is also the cheapest option for full coverage, at $310 per month.
The average cost of minimum coverage car insurance for 18-year-old drivers in Maryland is $233 per month.
Cheapest car insurance for young drivers in Maryland
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $155 | $310 |
| State Farm | $183 | $344 |
| Geico | $193 | $441 |
| Travelers | $196 | $357 |
| Progressive | $201 | $378 |
Drivers who are eligible for USAA can get much lower rates. At $95 per month, USAA's minimum coverage rate is 60% cheaper than the state average for young drivers and $60 less per month than Erie.
Car insurance for young drivers is usually much more expensive than for older drivers. An 18-year-old driver in Maryland pays three times as much for minimum coverage car insurance as a 30-year-old driver.
That's usually due to young drivers' lack of experience behind the wheel, which makes them more likely to be in an accident.
Cheap car insurance in MD for young drivers after a ticket: Erie
Erie has the cheapest quotes for young drivers in Maryland with a single speeding ticket. Its minimum coverage policy costs $199 per month, which is 26% cheaper than the state average.
Company | Monthly rate |
|---|---|
| Erie | $199 |
| State Farm | $203 |
| Progressive | $209 |
| Geico | $225 |
| Travelers | $252 |
Young Maryland drivers who get caught speeding can expect their rate to increase by 15% on average.
Cheapest car insurance for teen drivers after an accident: Progressive
Progressive has the most affordable car insurance quotes for young drivers in Maryland who have been in an at-fault accident. Its minimum coverage rate for 18-year-olds is $220 per month, which is $77 per month cheaper than average.
Company | Monthly rate |
|---|---|
| Progressive | $220 |
| Erie | $221 |
| State Farm | $233 |
| Geico | $248 |
| Travelers | $288 |
Young drivers who cause an accident pay 27% more than those with a clean record in Maryland.
Cheapest car insurance quotes for married drivers: State Farm
State Farm has the cheapest quotes for married drivers in Maryland, despite the fact that it doesn't give married couples a discount on car insurance. A full coverage insurance policy from State Farm costs $109 per month, on average.
Company | Monthly rate per car |
|---|---|
| State Farm | $109 |
| Erie | $113 |
| Geico | $114 |
| Progressive | $128 |
| Travelers | $131 |
Married drivers may get slightly cheaper auto insurance rates when looking for coverage. In Maryland, they save an average of $3 per month compared to those who are unmarried.
The largest discount comes from Erie — the company rewards married drivers with a 13% discount, which saves them $17 per month, on average.
Best car insurance companies in Maryland
Erie is our pick for the best car insurance in Maryland.
The best car insurance in Maryland offers a combination of affordable quotes and dependable customer service. Erie has a high rating from our editors, excellent customer service and claim satisfaction ratings and is available to most drivers.
Best car insurance in Maryland
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| Erie | 870 | A+ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Nationwide | 815 | A+ |
USAA has even better customer service scores, but it's not available for everyone. Only military members, veterans and their families can buy car insurance from USAA.
Drivers in Maryland should consider customer service scores when shopping for car insurance.
Insurance companies with high ratings will make the claims process quick and easy if you're in an accident. If you choose a company with poor reviews, it may cost more and take longer for you to get back on the road.
Average car insurance cost in Maryland by city
Drivers in Eckhart Mines, a small community in the western part of the state, pay the lowest auto insurance rates in Maryland. Gwynn Oak, a Baltimore suburb, has the most expensive rates.
Car insurance quotes can vary widely depending on where you live and drive. In Maryland, the cost of full coverage insurance fluctuates by up to $100 per month depending on where you live.
Drivers in Gwynn Oak pay $213 per month for full coverage car insurance. Insurance costs about half as much in Eckhart Mines, at $113 per month.
City | Average monthly cost | Percent from average |
|---|---|---|
| Abell | $127 | -11% |
| Aberdeen | $142 | -1% |
| Aberdeen Proving Ground | $146 | 2% |
| Abingdon | $147 | 3% |
| Accident | $116 | -19% |
Maryland state minimum auto insurance requirements
Maryland state law, requires drivers to purchase car insurance with the following coverages and limits:
Coverage | Minimum limit |
|---|---|
| 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 |
Maryland law requires drivers to have both liability insurance and uninsured motorist coverage.
These coverages offer financial protection if you cause damage to someone's property or injure them in an accident. They also cover your injuries or damage caused to your vehicle in an accident with an uninsured driver.
Insurance companies in Maryland are required to offer drivers at least $2,500 in personal injury protection (PIP) insurance, though you may choose to waive coverage. PIP insurance will help pay for your medical bills after an accident, along with lost income if you're hurt and can't work.
Buying a policy with no PIP protection will cost less, and may seem like a good idea if you have a good health care policy. However, your health insurance won't help with your living expenses if you're unable to work.
Frequently asked questions
Who has the cheapest car insurance in Maryland?
Geico has the cheapest minimum coverage quotes in Maryland at $55 per month. The cheapest full coverage quotes come from State Farm at $109 per month.
How much is car insurance in Maryland?
The average minimum coverage auto insurance policy in Maryland costs $57 per month, or $897 per year. That price goes up to $143 per month, or $1,714 per year, for a full coverage policy.
Who has the best car insurance in Maryland?
Erie is our choice for 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, MD?
Drivers in Baltimore pay $204 per month for full coverage car insurance, which is 43% more than the Maryland average. In comparison, people living in Columbia, Maryland's second-largest city, pay $145 per month for the same protection.
Is it illegal to drive without insurance in Maryland?
Like most other states, driving without insurance in Maryland is illegal. If you drive without the minimum insurance required, you will get a $150 fine for the first 30 days without coverage, plus $7 for each additional day. The maximum fine is $2,500 a year per vehicle. You will also have your vehicle registration suspended, which can result in your car being impounded if you drive it.
Methodology
We collected thousands of rates from ZIP codes across Maryland for the state's largest insurers. Rates are for a 30-year-old man driving a 2015 Honda Civic EX with good credit.
The base policy for the study was a full coverage policy with the following limits:
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection (PIP) | $10,000 |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Uninsured/underinsured motorist property damage | $25,000 per accident |
| Comprehensive and collision | $500 deductible |
For other rate analyses (driving history, credit and marital status), the base policy listed above was altered to reflect the driver.
For our minimum coverage policy, rates are for a policy with the minimum required limits in Maryland. Quotes for young drivers are based on minimum coverage limits.
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.
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.