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Compare car insurance in Maryland

Get the cheapest car insurance in Maryland for 2021

The average annual cost of car insurance in Maryland is $1,500. Narrow down car insurers offering coverage in Maryland by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Gabi
Optional
Optional
Yes
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
Branch
Optional
No
AZ, CO, IL, IN, MD, MO, OK, OH, TX and WI
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
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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.

Most popular Maryland auto insurance companies list

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$603Get a quoteRead review
Allstate$1,441Get a quoteRead review
USAA$1,456Get a quoteRead review
Progressive$1,583Get a quoteRead review
State Farm$1,823Get a quote
State Auto$2,619
Penn National$2,704
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
Progressive$3060
Geico$1504
StateFarm$2764

Car insurance quotes in Silver Spring

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

Car insurance quotes in Gaithersburg

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

Car insurance quotes in Pasadena

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

Car insurance quotes in Germantown

CompanyAnnual car insurance rate
Allstate$2145
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

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