Best cheap car insurance in Maryland for 2021 |

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Compare car insurance in Maryland

Get the cheapest car insurance in Maryland for 2021


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State House and Capital in Annapolis 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.


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

No-fault state

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

Compare Maryland car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
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.
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Liberty Mutual
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
State Farm$967,62618.3%
Liberty Mutual$173,4463.3%
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 quote
Allstate$1,441Get a quote
USAA$1,456Get a quote Read review
Progressive$1,583Get a quote Read review
State Farm$1,823Get a quote
State Auto$2,619
Penn National$2,704

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

Car insurance quotes in Silver Spring

CompanyAnnual car insurance rate

Car insurance quotes in Gaithersburg

CompanyAnnual car insurance rate

Car insurance quotes in Pasadena

CompanyAnnual car insurance rate

Car insurance quotes in Germantown

CompanyAnnual car insurance rate

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.

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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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