The Average Cost of Car Insurance in Maryland

Across all demographics, the average cost of car insurance in Maryland is $1,201, which translates to $100 per month for full coverage car insurance. Compared to the average annual cost of car insurance across the U.S., insurance costs in Maryland are 15 percent higher than the national average. Maryland requires liability coverage, uninsured motorist coverage, and medical payments coverage for all drivers.

By Age

Teen drivers face the highest costs for car insurance in Maryland and across every state. The average teenager in Maryland pays $3,816 annually for auto insurance, compared to an average of $1,239 for drivers in their 20s and older. Starting in your 30s, auto insurance rates in Maryland are more affordable.

By Gender

The data shows very little difference between car insurance rates for men and women in Maryland. Typically, men pay more for car insurance, but you’re in luck if you live in Maryland, as the difference is negligible.

By Marital Status

Single people pay the most for car insurance in Maryland. Expect to save almost $100 if you’re married and more if you’re divorced or widowed. Married individuals have a lower incidence of accidents, hence the lower rate; however, if your spouse passes away, insurance companies cannot raise your premium for that reason solely.¹

By Coverage Level

Full coverage auto insurance costs more than minimum coverage. While Maryland requires liability, uninsured/underinsured motorist coverage, and medical payments coverage, the minimum coverage level costs an average of $762, which is almost half the cost of full coverage in the state.

By Credit Score

Maryland insurance providers will use your credit score to determine your insurance rate, which means that the better your credit score is, the lower your auto insurance premium, generally. People with poor credit have more car insurance claims, statistically, and thus higher rates.

These companies have the lowest rates in Maryland for different demographics.

Safe drivers in Maryland pay the lowest premiums for auto insurance. Here are some other tips for lowering your premium:

1. Stick to minimum coverage. See below for Maryland’s minimum required insurance limits.
2. Ask about discounts. Check which discounts your auto insurance company provides. Types of discounts vary by provider, but some of the most popular include discounts for bundling home and auto insurance, good student discounts, and loyalty discounts.
3. Look into usage-based auto insurance. Allstate, Nationwide, GEICO, Progressive, and State Farm have usage-based auto insurance programs that track your mileage and driving habits to determine your premium; if you don’t drive that much and are a good driver, these programs are great options.

To be insured in Maryland, you must have minimum coverage amounts:

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

Maryland is an at-fault state, meaning that the at-fault party pays for both property damage and bodily injury. If both parties are partially at fault, you can split the costs. Maryland law states that if the plaintiff acted negligently in any percentage, they cannot recover any compensation for the accident, however.

Maryland requires an SR-22 (proof of minimum insurance) when your license is reinstated after a revocation or suspension. A revocation or suspension results from driving without insurance, driving under the influence, failing to pay compensatory damages, or committing multiple traffic violations. In most cases, you must provide an SR-22 for three to five years following your conviction.

Maryland auto insurance providers use factors like credit score, driving history, age, gender, and other demographic data when providing quotes. Good drivers over 20 years old will receive the best rates in Maryland, but there are always ways to lower your premium.

AutoInsurance.com has over 20 years of experience connecting people to top car insurance providers. Our proprietary database of auto insurance companies and their preferred customers forms the basis of our analysis. This data, coupled with state-specific research about minimum coverage requirements, fault systems, and exceptional circumstances like SR-22s, allows us to give you an overview of what you can expect to pay for car insurance in Maryland.