Who Has The Cheapest Motorcycle Insurance Quotes In Maryland?

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More than 6 million people live in Maryland, mostly in the Baltimore-Washington D.C. area. The coastlines and inland geography make Maryland a great place to own a bike so we gathered motorcycle insurance quotes from four major carriers for a 45-year-old male rider. The policy quoted included bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. Our study showed the most expensive company for the sample policy was almost 3x the cost of the cheapest in Maryland.

Cheapest Motorcycle Insurance In Maryland

GEICO ranked with the lowest motorcycle insurance rates in Maryland based on quotes we obtained for our sample driver. Premiums averaged $242 across the 37 cities and towns in MD that we analyzed - 54% lower than the statewide mean for the four companies, and 66% cheaper compared to the most expensive insurer.

ValuePenguin analyzed motorcycle insurance quotes for a sample rider and policy in Maryland and found GEICO had the best rates.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

There were only four carriers with available data in the state and only two had rates below the state average: GEICO and Nationwide. Nationwide's motorcycle insurance quotes for the sample policy and rider averaged to $484. Progressive and Dairyland both had rates that were more expensive than the state average, of $680 and $711, respectively. Dairyland's motorcycle insurance quotes were more than 2.9x the cost of GEICO's.

Best Motorcycle Insurance Rates In Maryland: By City

Our study of the five largest cities in Maryland showed results that were both consistent and unlike those in other states. Using the identical sample motorcycle insurance policy and rider in other states, typically the largest cities have the highest motorcycle insurance rates. This was the case in Maryland, where Baltimore had some of the highest rates, by far. But other large cities not only had inexpensive rates, some had motorcycle premiums that were below the state's average.

RankCityAverage Annual Rate% Difference vs State Average
1 Baltimore 937 77%
2 Frederick 412 -22%
3 Rockville 446 -16%
4 Gaithersburg 539 2%
5 Bowie 551 4%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Baltimore, MD

The place with the most expensive motorcycle insurance rates in Maryland was the state’s largest city, Baltimore. Baltimore is a major city on the east coast, with a metropolitan area of more than 2.7 million residents, and a rich history and a seaport that is still significant. It’s known as a “city of neighborhoods” and attracts millions of visitors each year. Motorcycle insurance rates in Baltimore were the least affordable in Maryland. Quotes for our sample motorcycle were 77% higher than the state average.

Frederick, MD

Frederick is home to an estimated 69,000 residents or more. It was an important crossroads point in colonial America and still has a strong local economy. The average motorcycle insurance premium in Frederick was 22% lower than the Maryland average.

Rockville, MD

Just north of Washington D.C. is Rockville, a city with about 61,000 residents. Several companies and federal government institutions are located in the city or nearby, as well as many retailers. Motorcycle insurance rates in Rockville were also much lower than Baltimore's, at 16% lower than the state average.

Gaithersburg, MD

Northwest of Washington D.C. is the city of Gaithersburg. It is home to nearly 60,000 residents, many who commute to and from the nation's capital. It was originally settled as an argicultural community, but like many others, its economy has evolved over time to include other industries. Motorcycle insurance rates in Gaithersburg were 2% higher than the state average.

Bowie, MD

With a population of more than 54,000 residents, Bowie is the fifth-largest city in Maryland. CNN ranked the city as one of the best palces to live in the U.S. in 2014. Motorcycle insurance rates in Bowie were just 4% higher than the Maryland average.

Most Expensive Motorcycle Insurance In Maryland

The five places with the most expensive motorcycle insurance rates in Maryland include the state's largest city and suburbs of the District of Columbia. It is common for insurance rates in large cities and their surroundings areas to me more expensive than state averages. It is interesting that none of Baltimore's suburbs were in the top five most expensive places, even though the city itself was the most expensive in the state. Quotes for the Harley motorcycle we analyzed were 77% higher for our sample driver than the Maryland average.

RankCityAverage Annual Rate% Difference vs State Average
1 Baltimore $937 77%
2 Cheverly 729 38%
3 New Carrollton 727 37%
4 Bladensburg 727 37%
5 District Heights 727 37%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Cheverly, MD

The town of Cheverly is just north of the District of Columbia. It is bordered by and at the confluence of the John Hanson Highway and the Baltimore-Washington Parkway. More than 6,300 people live in Cheverly, which is primarily a commuter town to the nearby major cities. Motorcycle insurance rates in Cheverly were 38% higher than the state average.

New Carrollton, MD

Directly north of Cheverly is another planned suburb, New Carrollton. The city has more than 12,000 residents and was named after Charles Carroll of Carrollton, a delegate to the Continental Congress who also signed of the Declaration of Independence. Motorcycle insurance premiums in New Carrollton were 37% higher than the state average.

Bladensburg, MD

Bladensburg is another suburb of Washington D.C. It has a population of roughly 9,000 residents and is home to a number of historical sites. One historic site called Indian Queen Tavern, is also known as the George Washington House because the nation’s first president is said to have stayed there in the 1760s. Motorcycle insurance rates in Bladensburg were 37% higher than the Maryland average.

District Heights, MD

Another suburb of Washington D.C., District Heights is less that 10 miles from the city. It was farmland for much of the city’s history and now is home to about 6,000 people. It recently celebrated its 80th anniversary of becoming a city. Motorcycle insurance in District Heights were 37% higher than the state average.

Average Motorcycle Insurance Rates In Maryland: By City

This comparative study of motorcycle insurance premiums in Maryland was done by gathering and analyzing quotes from five major carriers across 37 municipalities and census-designated places. Our analysis showed premiums quoted for the most expensive place were more than 2x as expensive as the cheapest.

ValuePenguin found the average cost of motorcycle insurance in Maryland for a sample policy and rider was $529.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 37 municipalities and census-designated places in the state of Maryland. The quotes we gathered were from four major carriers: Progressive, Nationwide, GEICO and Dairyland. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

RankCityAverage Annual Rate% Difference vs State Average
7 Westminster $426 -20%
5 Walkersville 412 -22%
1 Thurmont 406 -23%
27 Taney 547 3%
29 Takoma Park 577 9%
20 Salisbury 490 -7%
12 Rockville 446 -16%
14 Riverdale Park 446 -16%
9 Ocean City 426 -20%
33 New Carrollton 727 37%
31 Mount Rainier 717 36%
6 Mount Airy 424 -20%
Maryland Average 529 0%
22 Laurel 495 -6%
18 La Plata 460 -13%
30 Hyattsville 715 35%
16 Havre de Grace 460 -13%
10 Hampstead 426 -20%
26 Greenbelt 544 3%
32 Glenarden 717 36%
23 Gaithersburg 539 2%
17 Frostburg 460 -13%
2 Frederick 412 -22%
11 Elkton 428 -19%
3 Easton 412 -22%
35 District Heights 727 37%
15 Cumberland 460 -13%
25 College Park 544 3%
36 Cheverly 729 38%
21 Chesapeake Beach 490 -7%
8 Cambridge 426 -20%
4 Brunswick 412 -22%
28 Bowie 551 4%
34 Bladensburg 727 37%
24 Bel Air 539 2%
37 Baltimore 937 77%
13 Annapolis 446 -16%
19 Aberdeen 476 -10%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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