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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.
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Compare Maryland car insurance
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% |
What's in this guide?
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
| Company | Average annual rate | Learn 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
| Company | Annual car insurance rate |
|---|---|
| Allstate | $2749 |
| Esurance | $5951 |
| Progressive | $3060 |
| Geico | $1504 |
| StateFarm | $2764 |
Car insurance quotes in Silver Spring
| Company | Annual car insurance rate |
|---|---|
| Allstate | $2508 |
| Esurance | $4427 |
| Progressive | $2383 |
| Geico | $1458 |
| StateFarm | $2426 |
Car insurance quotes in Gaithersburg
| Company | Annual car insurance rate |
|---|---|
| Allstate | $2145 |
| Esurance | $4138 |
| Progressive | $2103 |
| Geico | $1284 |
| StateFarm | $2126 |
Car insurance quotes in Pasadena
| Company | Annual car insurance rate |
|---|---|
| Allstate | $2361 |
| Esurance | $3658 |
| Progressive | $2321 |
| Geico | $1308 |
| StateFarm | $2172 |
Car insurance quotes in Germantown
| Company | Annual 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
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