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Compare car insurance in Maryland

Get the cheapest car insurance in Maryland for 2020

Updated

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.

Maryland

Car insurance quick facts

30/60/15

Minimum liability requirements

$1,500

Average annual car insurance cost

30

Days to update your license

No-fault state

In no fault states, each driver pays for their own damages in an accident.

Our top pick: Progressive

Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.

  • Top-rated insurer with 80 years of experience.
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Compare Maryland car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
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Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
Geico$1,289,47024.4%
State Farm$967,62618.3%
Allstate$611,32711.6%
USAA$471,9698.9%
Erie$416,5307.9%
Progressive$358,1346.8%
Nationwide$341,6786.5%
Liberty Mutual$173,4463.3%
Travelers$94,0551.8%
Maryland Automobile Insurance Fund$83,0211.6%

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

CompanyAverage annual rateLearn more
Geico$603
Allstate$1,441
USAA$1,456
Progressive$1,583
State Farm$1,823
State Auto$2,619
Penn National$2,704
Esurance$2,831
Donegal$2,833
Erie$3,732

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.

Car insurance quotes in Parkville

CompanyAnnual car insurance rate
Allstate$2749
Esurance$5951
Progressive$3060
Geico$1504
StateFarm$2764

Car insurance quotes in Silver Spring

CompanyAnnual car insurance rate
Allstate$2508
Esurance$4427
Progressive$2383
Geico$1458
StateFarm$2426

Car insurance quotes in Gaithersburg

CompanyAnnual car insurance rate
Allstate$2145
Esurance$4138
Progressive$2103
Geico$1284
StateFarm$2126

Car insurance quotes in Pasadena

CompanyAnnual car insurance rate
Allstate$2361
Esurance$3658
Progressive$2321
Geico$1308
StateFarm$2172

Car insurance quotes in Germantown

CompanyAnnual car insurance rate
Allstate$2145
Esurance$4116
Progressive$2172
Geico$1318
StateFarm$2148

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.

PIP insurance in Maryland

Personal injury protection (PIP) in Maryland covers medical expenses after an accident for you and any passengers. Your PIP kicks in after a car accident regardless of fault. Typically you can use this coverage before dipping into your health insurance coverage. You can typically even use your PIP coverage if you’re injured in a taxi or riding in someone else’s car.

You can use PIP insurance to cover expenses including hospitalization, ambulance rides, surgery, therapy, rehabilitation and funeral expenses. You can also get up to 85% of lost wages while unable to work due to accident injuries. Like comprehensive claims, PIP claims won’t affect your car insurance rates.

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

Read more on this topic

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