Compare Cheap Auto Insurance in Maryland

• Full coverage auto insurance in Maryland costs an average of $2,380 annually, while minimum coverage costs $1,016 annually, on average.
• USAA, Travelers, and GEICO offer the cheapest rates depending on driver profile; the former is only available to the military community.
• Erie also tends to have affordable rates and is also the best for customer service for most drivers.

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• Cheapest full coverage auto insurance in Maryland: USAA ($1,622 annually) and Travelers ($1,773 annually)
• Cheapest minimum coverage: USAA ($605 annually) and GEICO ($707 annually)
• Cheapest with a teen driver: USAA ($4,354 annually) and Erie ($4,491 annually)
• Cheapest with a speeding ticket: USAA ($1,858 annually) and State Farm ($1,938 annually)
• Cheapest with an at-fault accident: Travelers ($2,307 annually) and USAA ($2,359 annually)
• Cheapest with a DUI: GEICO ($1,963 annually) and Erie ($2,057 annually)
• Cheapest with low credit: GEICO ($1,799 annually) and USAA ($1,837 annually)

Erie has the best customer service scores in Maryland apart from USAA, which is only available to veterans, military members, and their families. Erie doesn’t have the cheapest average rates in Maryland, but their rates still tend to be cheaper than average. It’s worth getting a quote from several companies to see how rates stack up and weigh companies’ customer service records. State Farm also has solid customer satisfaction ratings.

1. Look for discounts: Lots of auto insurers offer discounts on their insurance plans, so make sure you ask about ways to save when getting quotes. In most cases, you’ll be able to get a discount if you bundle your policy with other insurance products. 
2. Drive safely: When you maintain a clean driving record, you’re seen as less of a risk to your insurer, and that saves them money. That’s why most insurers have discounts for clean records. People who are generally safe drivers but have a violation on their record can often save through telematics programs, which track your driving habits via a mobile app for a discount.
3. Increase your deductibles: When you lower your comprehensive and/or collision deductibles, you’re essentially agreeing to pay more out of pocket in the event of a claim. That means you assume some of the risk that your insurer would otherwise, and that gives them room to give you a lower rate. 
4. Drop unnecessary coverages: Although it’s generally a good idea to get more than just minimum coverage insurance, that doesn’t mean you need to go all out. Evaluate whether there are any coverages that you don’t really need. For example, if you have an older car, you may not need full coverage if you’re looking to get a new one soon anyway. 

Maryland has relatively robust minimum coverage requirements compared to many other states — they include not only the standard liability coverages but also uninsured/underinsured motorist coverage and personal injury protection (PIP):

• Bodily injury liability: $30,000 per person/$60,000 per accident
• Property damage liability: $15,000 per accident
• Uninsured/underinsured motorist bodily injury liability: $30,000 per person/$60,000 per accident
• Uninsured/underinsured motorist property damage liability: $15,000 per accident
• PIP: $2,500

Personal injury protection is usually required in no-fault states, but some at-fault states, such as Maryland, require it as well. PIP helps pay for your own injuries if you’re in an accident. Although minimum coverage provides some financial protection, it does not cover damage to your own vehicle, and the PIP requirements are relatively low. For greater protection, consider increasing your liability limits and getting full coverage.

We analyze average auto insurance premiums in Maryland for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, speeding tickets, at-fault accidents, low credit, and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• Personal injury protection (PIP): $2,500
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible