Compare car insurance in Maryland

If you’re moving from state to state or trying to figure out if you can save some cash by changing your insurance plan, you need to know your state’s minimum requirements.

Each state has its own auto insurance guidelines — some are at-fault states, others are no-fault; a few require specific liability insurance while most are more lenient. Some states even have alternatives to car insurance for high-risk drivers. Shopping around may allow you to find insurance cheaper than Marylands average annual car insurance cost of $1,500. Compare Maryland’s car insurance requirements and see how you can get the best value for your coverage.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

• Broad coverage, including for custom car parts or ridesharing
• Transparent pricing tools that help you buy within budget
• Accident forgiveness on small claims or for staying claim-free
• Stack a variety of discounts for multiple cars, autopay or homeownership

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• Top auto insurance companies in Maryland
• List of insurance companies in Maryland

Compare Maryland car insurance

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	All 50 states	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
Esurance					40%	All states except AK, DE, HI, MT, NH, VT, WY	Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current policy info and get quotes from 20+ companies who could get you a better rate.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
Geico		Optional			26%	All 50 states	Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.	More Info	Compare	loading Fetching your data...
Farmers					15%	All 50 states	Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.	More Info	Compare	loading Fetching your data...
Elephant		Optional			10%	IL, IN, MD, TN, TX, VA	Get a great deal online with steep discounts and some of the highest liability limits available.	Get quotes More Info	Compare	loading Fetching your data...

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Most popular Maryland auto insurance companies list

Company	Direct premiums written (billions)	Market share
Geico	$1,289,470	24.4%
State Farm	$967,626	18.3%
Allstate	$611,327	11.6%
USAA	$471,969	8.9%
Erie	$416,530	7.9%
Progressive	$358,134	6.8%
Nationwide	$341,678	6.5%
Liberty Mutual	$173,446	3.3%
Travelers	$94,055	1.8%
Maryland Automobile Insurance Fund	$83,021	1.6%

Average car insurance costs in Maryland

In Maryland, you’ll pay below the national average for car insurance at around $1,500 annually.

But, you could fall outside of the average depending on your driving record, your credit score, the kind of vehicle you drive and a handful of other factors.

No matter what insurance you go with, if you’re planning on driving in Maryland, make sure that you carry proof of your insurance plan with you. You can also pull up digital versions of this ID on any smart device to prove your coverage.

Cheapest car insurance in Maryland

• Quote methodology: driver profile & coverage options

  To get these quotes, we compared rates for the same driver profile in a common zip code in this state.

  • Good credit
  • Married
  • Male
  • 31-35 years old
  • 2017 Toyota Camry LE
  • State minimum coverage

Which city has the cheapest car insurance in Maryland?

Of Maryland’s largest cities, Gaithersburg has the cheapest rates and Parkville has the most expensive car insurance rates. Parkville drivers could face rates 4 times more than Gaithersburg drivers.

• Parkville
• Silver Spring
• Gaithersburg
• Pasadena
• Germantown

Maryland’s car insurance minimums

In order to legally drive in Maryland, you’ll need minimum liability insurance, including:

• $30,000 in bodily injury liability coverage per person.
• $60,000 in bodily injury liability coverage per accident.
• $15,000 in property damage liability coverage per accident.

When shopping for car insurance, you’ll sometimes see this written as 30/60/15.

Some states require drivers to purchase uninsured or underinsured motorists coverage (UM/UIM coverage), which protects them in case they get into an accident with someone without proper insurance coverage. Maryland requires you to buy this coverage at the same minimums as your liability insurance plan. To learn more about this kind of coverage and why it might be a good idea, even when it isn’t legally required, visit our guide to uninsured motorist insurance.

You’ll also need to purchase at least a $2,500 personal injury protection (PIP) coverage. PIP coverage helps pay for medical expenses, regardless of who was at-fault for the car accident. You can choose either full or limited coverage. Limited coverage covers children under 16 in your household and injured pedestrians. But, it doesn’t cover you, the policyholder or household members older than 16.

Can I get SR-22 insurance in Maryland?

No, Maryland is one of a few states that doesn’t require an SR-22. An SR-22 is a form of financial responsibility your insurance provider files with the state DMV to prove you have minimum coverage.

Bottom line

Carrying auto insurance protects you, your family and fellow drivers. Research your insurance options to make sure that you’re receiving the coverage that you need — and that your state requires.
To learn more about this topic, from rules and regulations to the best discounts and rates, visit our comprehensive guide to car insurance.

Frequently asked questions about car insurance in Maryland

• Is my out-of-state insurance policy acceptable in Maryland?

  Yes, but only for short periods of time, such as when you’re driving through or vacationing in the state. If you move to Maryland, you’ll almost always need to transfer your out-of-state insurance policy to a Maryland insurance policy within a few weeks of establishing residency. Contact your insurance agent for information on moving policies, or finding a new policy that’s tailored to you.

• How do I register my car in Maryland?

  To register your car in Maryland, visit or mail your local MVA branch and submit the following documents:

  • The vehicle title from your previous state.
  • A completed Application for Certificate of Title (form VR-005)The vehicle title from your previous state.
  • A completed Security Interest Filing Statement (form VR-217), if there is more than one lien on your vehicle.
  • If your vehicle is leased, you’ll need to provide your lease agreement and proof of monthly payments.
  • The Maryland Safety Inspection Certificate from a licensed MD inspection station.
  • Payments for the Maryland vehicle registration/title fees and any applicable taxes.