Maryland Car Insurance Rates

Projected auto insurance rates in Maryland for 2018 are $1,374 a year including full coverage. Comprehensive, collision, and liability insurance cost on average $306, $558, and $356, respectively. Baltimore and Woodlawn tend to have higher average rates, and the two largest writers in Maryland are Geico and State Farm.

Average rate for full coverage: $1,374

Price estimates by individual coverage:

Comprehensive $306
Collision $558
Liability $356

40-year-old driver, full coverage with $500 deductibles, and good driving record

Cost of Auto Insurance in Maryland

For a middle-aged driver, Maryland insurance rates go from as cheap as $420 for the bare minimum liability coverage to a high rate of $2,966 for a high risk driver.

Liability Only $420
Full Coverage $1,374
High Risk $2,966

These price differences highlight why all drivers should compare rates based on a specific location and their own personal driving habits, rather than relying on generic averages.

Use the form below to get accurate rates for your location.

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

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The chart above shows average Maryland auto insurance rates for different situations. The lowest rate with discounts is $788. Drivers who choose higher $1,000 deductibles will pay about $1,178. The average rate for a 40-year-old male driver using $500 deductibles is $1,374. Using lower $100 deductibles for collision and other-than-collision coverage can cost as much as $1,754. High risk drivers could be charged around $2,966. The policy rate for full coverage insurance for a teen driver is $5,052.

Insurance rates in Maryland also range considerably based on your choice of vehicle, your driving characteristics, and policy deductibles and limits.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $5,000 a year. View Rates by Age

The city you live in makes a big difference in auto insurance rates. Rural areas may have rates around $1,000 a year, whereas some areas in Baltimore and Woodlawn could have rates closer to $2,500. Even different areas within a few miles of each other in the same city can have very different rates.

These wide price ranges emphasize why it is so important to get rates for your specific zip code.

The company you choose definitely influences the cost of coverage. Every insurance company has their own rate formula, and prices can range greatly based on your risk profile. In Maryland, car insurance prices range from $939 with USAA to as much as $2,993 with Victoria. Companies like Liberty Mutual, Penn National, and Erie fall in the middle.

Those are not necessarily the exact rates you would pay, as the type of vehicle you drive, your motor vehicle report, and your location in Maryland have to be considered.

Maryland Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1Geico22.91%$1,457
2State Farm19.45%$1,663
3Allstate12.70%$1,629
4Nationwide8.50%$1,407
5USAA7.88%$939
6Erie Insurance7.20%$1,138
7Progressive5.86%$2,107
8Liberty Mutual4.86%$1,103
9Travelers1.30%$1,412
10The Hartford1.23%N/A
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

Choosing high deductibles could save up to $580 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise prices by up to $321 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates

Your choice of vehicle makes a big difference in the cost of auto insurance coverage in Maryland. Driving a less expensive and safe model will save money on insurance because of lower repair costs and less likelihood of injuries in accidents.

The next table shows insurance cost estimates for some of the more popular vehicles on the road in Maryland.

Maryland Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,4525.4%
Dodge Ram$1,4927.9%
Ford Escape$1,144-20.1%
Ford Focus$1,328-3.5%
Ford Fusion$1,4565.6%
Ford F-150$1,290-6.5%
GMC Acadia$1,264-8.7%
GMC Sierra$1,4263.6%
Honda Accord$1,282-7.2%
Honda Civic$1,5048.6%
Honda CR-V$1,114-23.3%
Honda Pilot$1,304-5.4%
Hyundai Sonata$1,3961.6%
Kia Optima$1,4223.4%
Nissan Altima$1,4122.7%
Nissan Rogue$1,3820.6%
Toyota Camry$1,3981.7%
Toyota Corolla$1,368-0.4%
Toyota Prius$1,276-7.7%
Toyota RAV4$1,296-6%
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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Because prices have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, so the rates will be varied between companies.

Maryland Auto Insurance Articles

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Rates by Driver Age

Maryland Insurance Rates by Driver Age
Driver AgePremium
16$5,052
20$3,170
30$1,440
40$1,374
50$1,254
60$1,230

Full coverage, $500 deductibles

Rates by Deductible

Maryland Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,754
$250$1,578
$500$1,374
$1,000$1,178

Full coverage, driver age 40

Rates by Liability Limit

Maryland Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,374
50/100$1,445
100/300$1,534
250/500$1,766
100 CSL$1,481
300 CSL$1,677
500 CSL$1,819

Full coverage, driver age 40

Rates for High Risk Drivers

Maryland Car Insurance Rates for High Risk Drivers
AgePremium
16$7,218
20$5,036
30$3,036
40$2,966
50$2,830
60$2,802

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $190

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$73
Multi-vehicle$71
Homeowner$19
5-yr Accident Free$103
5-yr Claim Free$88
Paid in Full/EFT$65
Advance Quote$69
Online Quote$98
Total Discounts$586
Rate after discounts $788

Discounts are estimated and may not be available from every company or in every state.

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