Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure

Compare car insurance in Maryland

Get the cheapest car insurance in Maryland for 2021

The average annual cost of car insurance in Maryland is $1,327.40. 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
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
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.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
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.
loading

Compare up to 4 providers

In Maryland, drivers pay an average of $1,327.40 annually or about $111 monthly for car insurance, according to the National Association of Insurance Commissioners (NAIC). That’s 12% above the national average, which sits at $1,190 per year.

But you could fall outside the average depending on your driving record, age, the car you drive and a handful of other factors. Plus, the NAIC’s average includes policies with state minimum coverage alongside those with higher coverage, like comprehensive and collision. Your rate will look different based on the coverage you choose.

Maryland car insurance quick facts

Picture not described

Minimum liability requirements

30/60/15

Average annual car insurance cost according to the NAIC

$1,327.40

No-fault state

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

Maryland’s state minimum car insurance requirements

To legally drive in Maryland, you need at least liability and uninsured or underinsured motorist coverage. When shopping for car insurance, you may see the amount of coverage required written as 30/60/15. These numbers are called your coverage limits, and they tell you the maximum that your insurance will pay after an accident.

You also need at least $2,500 in personal injury protection (PIP), although you can get this requirement waived if you have plenty of health insurance.

Bodily Injury Liability

Bodily injury liability

  • $30,000 for bodily injuries per person
  • $60,000 for injuries to two or more people per accident

Maryland requires you to keep 30/60 in bodily injury liability, which pays up to $30,000 for injuries to one person and $60,000 total if you injure several people in the same accident.

These coverage levels are standard compared to other states, but think about buying higher limits to protect beyond minor accidents.

Property damage liability

Property damage liability

  • $15,000 in property damage liability

You also need at least $15,000 in property damage liability, which covers the other driver’s car damage as well as replacing personal belongings like a phone, car seats or cargo. You’ll see this coverage limit required by many states, but it offers a low level of protection in an accident.

Personal injury protection or medical payments

Personal injury protection

  • $2,500 for personal injury protection

In Maryland, personal injury protection covers accident-related medical expenses for you and any passengers, and it covers you even if you’re riding in someone else’s car.

Your PIP kicks in after an accident regardless of who is at fault. You can use the coverage to pay for hospitalization, ambulance rides, surgery, therapy or rehabilitation.

However, you can choose to get this coverage waived if you have plenty of health insurance coverage. You also can choose to buy limited PIP, which protects children under age 16 in your household and injured pedestrians. It won’t cover you, the policyholder or anyone in your household who’s older than 16.

Uninsured or underinsured motorist

Uninsured or underinsured motorist

  • $30,000 for uninsured motorist injuries to one person
  • $60,000 for uninsured motorist injuries to multiple people
  • $15,000 for uninsured motorist property damage

Some states require drivers to purchase uninsured or underinsured motorists coverage, and Maryland is included in those states. This coverage protects you or your passengers if you get in an accident with a driver who doesn’t have proper insurance coverage. It also can apply to hit-and-run situations.

Also, uninsured motorist property damage coverage kicks in to repair or replace your car after getting hit by an underinsured driver.

Finder tip: Maryland’s state minimum coverage isn’t enough

Even though Maryland requires a variety of car insurance coverage, the coverage may not help with all expenses after an accident. For example, if your car is totaled by an uninsured driver and is worth $25,000, your insurance would pay up to $15,000 to replace it. In this scenario, you could be left paying the rest out of pocket for a new car.

Think about raising your liability limits and adding optional coverage, depending on your budget and driving needs.

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%

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$1,823
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

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

More guides on Finder

    Ask an Expert

    You are about to post a question on finder.com:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

    Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site