USAA and Erie Insurance offer the cheapest auto insurance in Maryland, charging $51 and $57 a month, respectively, for a minimum-coverage policy. State Farm offers the lowest rates among mainstream national companies serving the state. Here’s the information you need to find cheap car insurance in Maryland.
In this article
Who offers the cheapest car insurance in Maryland?
In our in-depth rate analysis, we found the cheapest car insurance quotes from USAA and Erie for a wide variety of Maryland drivers, including teens, seniors and those with prior incidents on their driving record.
USAA is only available to current and former members of the military and their families, but we have included the organization to accommodate Maryland's military households.
Auto insurance companies evaluate several factors to determine your rate, including your driving history and credit, the characteristics of your vehicle and the location of your home.
Since each company weighs these factors differently and offers different discounts, you may qualify for a considerably lower rate with one than you do with others. This is why it’s best to compare quotes from multiple companies when you shop.
Cheapest minimum-coverage car insurance
USAA offers the cheapest minimum-coverage car insurance to a typical Maryland driver, charging an average $611 a year, or $51 a month. The next-best rates are available from Erie, $57 a month, and State Farm, $79 a month.
The average cost of minimum-coverage car insurance in Maryland is $108 a month.
| Company | Annual | Monthly |
|---|---|---|
| USAA | $611 | $51 |
| Erie | $684 | $57 |
| State Farm | $946 | $79 |
| State average | $1,293 | $108 |
| Allstate | $1,402 | $117 |
| Nationwide | $1,954 | $163 |
| Progressive | $2,161 | $180 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
A minimum-coverage auto policy meets Maryland’s 30/60/15 minimum insurance requirements, which include the following coverages and limits:
- Bodily injury liability: $30,000 per person/$60,000 per accident
- Property damage liability: $15,000 per accident
- Uninsured motorist bodily injury: $30,000 per person/$60,000 per accident
- Uninsured motorist property damage: $15,000 per accident
Find cheap Maryland auto insurance
Cheapest full-coverage car insurance in Maryland
USAA offers the cheapest full-coverage car insurance for a typical Maryland driver, charging $97 a month. The next-best rates are available from Erie, $114 a month, and State Farm, $133 a month.
The average cost of full-coverage car insurance in Maryland is $184 a month.
| Company | Annual | Monthly |
|---|---|---|
| USAA | $1,159 | $97 |
| Erie | $1,370 | $114 |
| State Farm | $1,599 | $133 |
| State average | $2,211 | $184 |
| Allstate | $2,601 | $217 |
| Progressive | $3,178 | $265 |
| Nationwide | $3,358 | $280 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for Maryland drivers with an accident history
Erie offers the cheapest car insurance to Maryland drivers with an accident history, charging $150 a month for full coverage. The next-lowest rates are available from USAA, $159 a month, and State Farm, $167 a month.
In Maryland, an accident increases the average price of full-coverage car insurance by 51%, to $277 a month.
| Company | Annual | Monthly |
|---|---|---|
| Erie | $1,795 | $150 |
| USAA | $1,903 | $159 |
| State Farm | $2,009 | $167 |
| State average | $3,321 | $277 |
| Allstate | $4,336 | $361 |
| Progressive | $4,692 | $391 |
| Nationwide | $5,188 | $432 |
| Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for Maryland drivers with a DUI
Erie offers the cheapest car insurance to Maryland drivers with a DUI, charging $120 a month for full coverage. The next-best rates are available from State Farm, $147 a month, and Allstate, $226 a month.
A DUI raises the average price of full-coverage car insurance in Maryland by 28%, to $236 a month.
| Company | Annual | Monthly |
|---|---|---|
| Erie | $1,435 | $120 |
| State Farm | $1,763 | $147 |
| Allstate | $2,710 | $226 |
| State average | $2,832 | $236 |
| USAA | $3,099 | $258 |
| Nationwide | $3,883 | $324 |
| Progressive | $4,099 | $342 |
| Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for Maryland drivers with a speeding ticket
USAA offers the cheapest car insurance to Maryland drivers with a speeding ticket, $115 a month for full coverage, followed by Erie, $120 a month, and State Farm, $147 a month.
A speeding ticket raises the average price of full-coverage car insurance in Maryland by 18%, to $218 a month.
| Company | Annual | Monthly |
|---|---|---|
| USAA | $1,377 | $115 |
| Erie | $1,435 | $120 |
| State Farm | $1,763 | $147 |
| State average | $2,615 | $218 |
| Allstate | $3,137 | $261 |
| Progressive | $3,856 | $321 |
| Nationwide | $4,124 | $344 |
| Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for Maryland teens
Erie and USAA offer the cheapest rates on car insurance to Maryland teens for full and minimum coverage, and to those with certain prior incidents on their driving record.
Erie charges 18-year-olds an average $141 a month for minimum coverage and $285 a month for full coverage. The next-best rates are available from USAA, which charges $151 a month for minimum coverage and $293 a month for full coverage.
| Company | Annual | Monthly |
|---|---|---|
| Erie | $1,687 | $141 |
| USAA | $1,810 | $151 |
| State Farm | $2,836 | $236 |
| State average | $4,124 | $344 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
| Full coverage | Annual | Monthly |
|---|---|---|
| USAA | $3,420 | $285 |
| Erie | $3,512 | $293 |
| State Farm | $5,004 | $417 |
| State average | $7,478 | $623 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
| Company | Annual | Monthly |
|---|---|---|
| Erie | $4,695 | $391 |
| USAA | $4,890 | $408 |
| State Farm | $6,341 | $528 |
| State average | $9,147 | $762 |
| Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
| Company | Annual | Monthly |
|---|---|---|
| Erie | $4,321 | $360 |
| State Farm | $5,539 | $462 |
| USAA | $6,037 | $503 |
| State average | $8,305 | $692 |
| Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
| Company | Annual | Monthly |
|---|---|---|
| USAA | $3,927 | $327 |
| Erie | $4,321 | $360 |
| State Farm | $5,539 | $462 |
| State average | $8,378 | $698 |
| Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
In general, insurance companies charge teens high rates, because teens have the highest crash rate among all age groups.
Teens can often save by being added to the policy of a parent or guardian. Doing so often enables the teen to benefit from discounts the parent or guardian may receive.
Many insurance companies also offer discounts to teens who maintain a B average or better in school or complete an approved driver education course.
Cheapest car insurance for Maryland seniors
USAA and Erie offer the cheapest car insurance to Maryland seniors.
Erie and USAA both charge 65-year-olds $56 a month for minimum-coverage car insurance. For full coverage, USAA charges $102 a month, while Erie charges $112 a month.
| Company | Annual | Monthly |
|---|---|---|
| USAA | $671 | $56 |
| Erie | $672 | $56 |
| State Farm | $1,023 | $85 |
| State average | $1,445 | $120 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
| Company | Annual | Monthly |
|---|---|---|
| USAA | $1,221 | $102 |
| Erie | $1,344 | $112 |
| State Farm | $1,688 | $141 |
| State average | $2,403 | $200 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
| Company | Annual | Monthly |
|---|---|---|
| Erie | $1,780 | $148 |
| State Farm | $2,129 | $177 |
| USAA | $2,335 | $195 |
| State average | $3,750 | $313 |
| Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
| Company | Annual | Monthly |
|---|---|---|
| Erie | $1,408 | $117 |
| State Farm | $1,864 | $155 |
| State average | $3,124 | $260 |
| Allstate | $3,153 | $263 |
| Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
| Speeding | Annual | Monthly |
|---|---|---|
| Erie | $1,408 | $117 |
| USAA | $1,452 | $121 |
| State Farm | $1,864 | $155 |
| State average | $2,886 | $241 |
| Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Seniors have slightly higher crash rates than middle-aged drivers, and this is why you may see your insurance rates increase in your retirement years.
For example, the average price of full-coverage car insurance for a 65-year-old with a clean driving record in Maryland is $200 a month, which is 18% higher than the average rate for a 50-year-old.
Some insurance companies offer discounts to seniors who complete approved mature driver safety classes.
Get quotes from top Maryland car insurance companies
Average price of car insurance in Maryland’s largest cities
Among Maryland’s largest cities, car insurance rates vary from $70 a month for minimum coverage in Frederick to $134 a month in Baltimore.
In general, car insurance tends to cost more in densely populated cities, where the frequency and costs of claims are higher, than it does in smaller towns and rural areas.
| City | Annual | Monthly |
|---|---|---|
| Baltimore | $1,607 | $134 |
| Bethesda | $956 | $80 |
| Columbia | $1,078 | $90 |
| Ellicott City | $1,073 | $89 |
| Frederick | $839 | $70 |
| Gaithersburg | $1,050 | $88 |
| Germantown | $1,036 | $86 |
| Glen Burnie | $1,124 | $94 |
| Silver Spring | $1,176 | $98 |
| Waldorf | $1,059 | $88 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
How do Maryland’s auto insurance laws and regulations work?
If you’re new to Maryland or car insurance, you should know about the state's contributory negligence laws, personal injury protection requirements and available auto coverages.
Maryland’s contributory negligence laws
Under Maryland’s contributory negligence laws, a driver who causes an accident is financially responsible for injuries or damage to others, unless the other driver is partially responsible for the accident.
For example, if a driver making an unsafe lane change collides with you while you are complying with all traffic laws, the other driver would normally have to cover your car repairs.
However, if the driver making the unsafe lane change collides with you while you are speeding, your contributory negligence may absolve them of any financial responsibility for your repairs.
Maryland’s personal injury protection requirements
Maryland requires insurance companies to offer personal injury protection (PIP), but you can decline the coverage.
PIP pays to treat injuries you and/or your passengers suffer in a car accident, regardless of fault. It also covers lost wages and extends to any pedestrians you may injure in an accident.
Common auto insurance coverages available in Maryland
Here’s a look at the most common car insurance coverages available in Maryland and how they work.
| Coverage | What it pays for |
|---|---|
| Bodily injury liability: required, at least $30,000 per person/$60,000 per accident | Medical bills of others injured in a car accident you cause. |
| Property damage liability; required, at least $15,000 per accident | Repairing or replacing vehicles or other property damaged in an accident you cause. |
| Uninsured motorist bodily injury: required, at least $30,000 per person/$60,000 per accident | Medical treatment if you and your passengers are injured in a crash caused by an uninsured motorist. |
| Uninsured motorist property damage: required, at least $15,000 per accident | Car repairs if your vehicle is damaged in a crash caused by an uninsured motorist. Also covers hit-and-run damage. |
| Personal injury protection (PIP): must be offered with a $2,500 limit, can be declined | Medical treatment and lost wages if you and/or your passengers or pedestrians are injured in a car accident, regardless of fault. |
| Medical payments: optional | Medical treatment if you and/or your passengers are injured in a car accident, regardless of fault. Usually kicks in after PIP benefits are exhausted. |
| Collision: optional, but usually required for a car loan or lease | Damage to your vehicle after a collision with another vehicle or object. |
| Comprehensive: optional, but usually required for a car loan or lease | Damage to your vehicle from falling objects, fire, vandalism or any cause other than a collision. Also covers theft. |
| Source: Maryland Insurance Administration | |
If your costs from an accident exceed your policy’s limits, you may have to tap into your savings or other assets to cover the difference. This is the main reason to consider coverages or limits that exceed the state’s minimum requirements.
Frequently asked questions about Maryland car insurance
Is Maryland a no-fault insurance state?
No-fault insurance, better known as personal injury protection (PIP), is available on an optional basis in Maryland. PIP covers medical treatment and lost wages if you or your passengers are injured in a car accident, regardless of fault. If you are found to be 100% at fault for an accident, you are financially responsible for injuries or damage to others.
Does Maryland accept electronic proof of insurance?
Yes, an electronic version of a proof-of-insurance document issued by your insurance company, such as one you can download to a smartphone or other portable device, satisfies Maryland’s proof-of-insurance requirements.
Who has the cheapest auto insurance in Maryland?
USAA and Erie offer the cheapest auto insurance in Maryland. USAA charges an average $97 a month for a full-coverage policy for a typical driver with a clean driving record, while Erie charges $114 a month.
Methodology
For our analysis of Maryland auto insurance rates, we reviewed thousands of quotes from Quadrant Information Services for policies from the state’s leading insurance companies.
Unless otherwise noted, a typical driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average of 13,500 miles a year.
Minimum-coverage car insurance policies used in our analysis satisfy Maryland’s 30/60/15 requirements for liability and uninsured motorist coverage.
Full-coverage policies meet the minimum uninsured motorist requirements and have the following limits and deductibles for liability, collision and comprehensive coverages:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 deductible for collision coverage
- $500 deductible for comprehensive coverage
Sources:
Auto insurance by city
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