1. States
  2. Maryland
  3. Cheapest Car Insurance for Good Drivers

Cheapest Car Insurance for Good Drivers in Maryland

Enter your Maryland zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Nov 16, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Finding decent, reasonably-priced insurance is difficult, and finding out which company offers the most affordable insurance rates for good drivers may require even more shopping around. Prices may be moderately cheaper than the average price in Maryland, with the decrease attributed to the potential for fewer claims related to offering insurance for safe drivers. Reasonably-priced insurance should be possible from a lot of different insurance providers.

Every insurance provider has their own guidelines to determine premium rates, so let’s take a look at the lowest cost insurance companies in Maryland. It’s important that readers know that Maryland insurance rates are based on many factors that may substantially change the cost of coverage. Price variation is why consumers need to take the time to shop around to get the lowest auto insurance rates for good drivers. Prices are calculated by many things and change substantially, so the most economical option the last time you checked may now be quite expensive.

Enter your zip code below to view companies that have cheap auto insurance rates.

Maryland car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $948
2 Liberty Mutual $1,092
3 Penn National $1,093
4 Erie $1,127
5 State Auto $1,178
6 Amica $1,308
7 Nationwide $1,379
8 MetLife $1,414
9 Travelers $1,440
10 GEICO $1,486
11 California Casualty $1,499
12 Allstate $1,645
13 State Farm $1,696
14 Progressive $2,128
15 Encompass $2,516
16 Victoria $3,023
View More Rates Go

 

USAA may offer some of the cheapest car insurance rates in Maryland at around $948 a year. Liberty Mutual, Penn National, Erie, and State Auto also make the cut as some of the cheaper Maryland car insurance companies.

In the above rates, if you are currently insured with Erie and switched to Liberty Mutual, you might see annual savings of approximately $35. Insureds with State Auto may save as much as $86 a year, and Amica customers might see rate reductions of $216 a year.

If you would like to find the cheapest car insurance for good drivers in Maryland, click here to start your custom quote or quote rates from the companies below.

Enter your zip code below to view companies that have cheap auto insurance rates.

Be aware that those rates are averaged for all types of insureds and vehicles and are not factoring in a price decrease for good drivers. So the car insurance company that is best suited for you may not even be featured in the chart above. That point stresses why you need to compare rates from multiple companies using your own specific driver information and vehicle.

For safe drivers, one of the more important things that is used by auto insurance companies to determine the price of your policy is where you choose to live. Areas with more people or higher crime rates like Baltimore, Dundalk, and Aspen Hill tend to have higher rates, whereas areas with less crime or weather claims enjoy lower auto insurance rates.

The illustration below lists the highest-priced places in Maryland for good drivers to purchase car insurance in.

Car insurance prices in Maryland
Rank City Annual Rate
1 Baltimore $1,796
2 Woodlawn $1,657
3 Dundalk $1,535
4 Towson $1,527
5 Aspen Hill $1,478
6 Silver Spring $1,432
7 Catonsville $1,432
8 Essex $1,416
9 Bowie $1,390
10 Waldorf $1,375
11 Wheaton $1,361
12 Glen Burnie $1,342
13 Severn $1,327
14 Rockville $1,303
15 Columbia $1,275
16 Gaithersburg $1,265
17 Bethesda $1,252
18 Germantown $1,249
19 Ellicott City $1,245
20 North Bethesda $1,243
Compare Prices Now Go

Rates are estimated as the specific Maryland residence address can increase or decrease price quotes substantially.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption


Performance level and cost of the vehicle needing coverage is one of the main factors when trying to find the most economical coverage for good drivers. Vehicles with reasonable performance levels, a great safety record, or a track record of few liability claims will cost less to insure than fast, unsafe models. The next lists features insurance rates for a number of the more affordable automobiles to buy insurance for.

Car Insurance Rates for Popular Cars in Maryland
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LTZ $1,158 $579 $97
Ford Fusion SE 4-Dr Sedan $1,158 $579 $97
Honda Accord EX-L 4-Dr Sedan $992 $496 $83
Hyundai Elantra GLS Touring Station Wagon $910 $455 $76
Kia Optima EX $1,232 $616 $103
Nissan Altima 3.5 SR 2-Dr Coupe $1,290 $645 $108
Toyota Camry LE $1,076 $538 $90
Toyota Corolla XRS $1,158 $579 $97
Volkswagen Jetta S 2.5 Station Wagon $992 $496 $83
Get a Custom Quote for Your Car Go

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Premium amounts do not factor in garaging location in Maryland which can influence prices substantially.

Car Insurance Rates for Popular SUVs and Crossovers in Maryland
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Traverse LS 2WD $934 $467 $78
Ford Escape XLS 4WD $910 $455 $76
Ford Expedition SSV 2WD $934 $467 $78
Ford Explorer Eddie Bauer 4WD $1,100 $550 $92
GMC Acadia SLE 2WD $1,018 $509 $85
GMC Terrain SLT 2WD $1,074 $537 $90
Honda CR-V EX 2WD $910 $455 $76
Honda Fit $862 $431 $72
Honda Pilot EX-L 4WD $1,100 $550 $92
Jeep Grand Cherokee Limited 2WD $1,158 $579 $97
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,100 $550 $92
Lexus RX 350 2WD $1,314 $657 $110
Subaru Forester XT Limited Edition W/Navigation AWD $1,098 $549 $92
Toyota Highlander Sport 4WD $1,100 $550 $92
Toyota RAV4 Sport 2WD $1,076 $538 $90
Get a Custom Quote for Your SUV or Crossover Go

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in your specific Maryland location which can change coverage prices noticeably.

Insurance Rates for Popular Pickup Trucks in Maryland
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT 4WD $910 $455 $76
Chevrolet Silverado 2500HD LT Extended Cab Diesel 2WD $1,314 $657 $110
Chevrolet Silverado LT Extended Cab 2WD $1,150 $575 $96
Dodge Ram 2500 Mega Cab Laramie 2WD $1,290 $645 $108
Dodge Ram 3500 Mega Cab SLT 2WD $1,264 $632 $105
Dodge Ram Crew Cab Laramie 4WD $1,314 $657 $110
Ford F-150 FX2 Super Cab 2WD $1,018 $509 $85
Ford F-350 XL Crew Cab 2WD $1,182 $591 $99
GMC Sierra SLT Crew Cab 4WD $1,240 $620 $103
Toyota Tundra SR/5 Crew Max 2WD $1,150 $575 $96
Get a Custom Quote for Your Truck Go

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rates do not factor in specific location information which can influence premiums considerably.

The example below demonstrates how deductibles can raise or lower yearly insurance costs when researching cheap insurance for good drivers. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

In the chart above, a 50-year-old driver could lower rates by $284 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $428 by selecting a $1,000 deductible. Young drivers, like the Age 20 category, could save as much as $942 each year by choosing a larger deductible amount. If you do decide to increase your deductibles, it’s a good idea to have enough in a savings account to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Use our FREE quote tool to compare insurance rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles