Maryland Car Insurance Quotes & Average Rates

Full coverage car insurance in Maryland is estimated at $2,212 a year, or $184 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $847 a year. Maryland is an at-fault state, and drivers must carry 30/60/15 liability limits. Below you will find estimated rates for 102 Maryland cities, a breakdown by age and driving record, and the coverage the state actually requires.

Car insurance calculator — Maryland

Estimated from state average premiums and your rating factors. Not a quote.

ZIP code

Driver age — 35

Driving record

Vehicle type

Coverage level

Deductible

Annual mileage

Married

Your estimated premium

$184/ month

$2,212 per year · carriers in Maryland typically quote $1,571 – $3,053

See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Maryland

Insurer	Est. annual	Est. monthly	vs. average	Notes
USAA	$1,681	$140	-24%	Military members and families only
Geico	$1,814	$151	-18%	Usually cheapest for clean records
State Farm	$1,947	$162	-12%	Strong for young and student drivers
Progressive	$2,101	$175	-5%	Competitive after a ticket or accident
Travelers	$2,146	$179	-3%	Good multi-policy discounts
Nationwide	$2,212	$184	0%	Mid-market, wide availability
Allstate	$2,522	$210	+14%	Higher base rate, heavy discount stacking
Farmers	$2,677	$223	+21%	Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Maryland. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Maryland car insurance rates by age

Driver age	Full coverage / yr	Minimum / yr	Full coverage / mo
16 years old	$5,975	$2,288	$498
18 years old	$5,040	$1,930	$420
20 years old	$4,174	$1,598	$348
22 years old	$3,467	$1,328	$289
25 years old	$2,646	$1,013	$220
30 years old	$2,281	$873	$190
40 years old	$2,144	$821	$179
50 years old	$2,053	$786	$171
60 years old	$2,030	$777	$169
65 years old	$2,121	$812	$177
70 years old	$2,326	$891	$194
75 years old	$2,714	$1,039	$226

Estimated premiums by age in Maryland, clean record, sedan.

How violations change your Maryland premium

Driving record	Est. annual	Increase
Clean record	$2,212	—
1 speeding ticket	$2,721	+23%
1 at-fault accident	$3,252	+47%
DUI / DWI	$4,181	+89%

What a violation costs a 35-year-old in Maryland. Surcharges normally stay on the policy for three to five years.

A DUI in Maryland usually also triggers an SR-22 filing requirement, which most standard carriers will not write.

Maryland minimum insurance requirements

Required coverage in Maryland	Minimum limit
Bodily injury liability, per person	$30,000
Bodily injury liability, per accident	$60,000
Property damage liability	$15,000
Uninsured motorist 30/60/15	Required
PIP $2,500 or waiver	Required
Insurance system	At-fault (tort)

Limits are set by statute and change from time to time. Confirm the current figures with the Maryland Department of Insurance before you buy.

Coverage levels in Maryland

Coverage level	Est. annual	Est. monthly
State minimum liability	$847	$71
Full coverage (100/300/100 + comp & collision)	$2,212	$184
Full coverage, high limits + low deductible	$2,633	$219

Coverage level comparison for Maryland.

Car insurance rates in Maryland cities

Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 102 Maryland cities we price.

Baltimore$2,644 Columbia$2,280 Germantown$2,280 Silver Spring$2,280 Frederick$2,280 Waldorf$2,280 Glen Burnie$2,280 Gaithersburg$2,280 Rockville$2,280 Ellicott City$2,280 Dundalk$2,280 Bethesda$2,280 Bowie$2,143 Towson$2,143 Aspen Hill$2,143 Wheaton$2,143 Bel Air South$2,143 Gwynn Oak$2,143 Potomac$2,143 Severn$2,143 North Bethesda$2,143 Catonsville$2,143 Annapolis$2,143 Hagerstown$2,143 Essex$2,143 Hanover$2,143 Woodlawn$2,143 Severna Park$2,143 Odenton$2,143 Saint Charles$2,143 Clinton$2,143 Oxon Hill-Glassmanor$2,143 Olney$2,143 Suitland-Silver Hill$2,143 Chillum$2,143 St. Charles$2,143 Salisbury$2,143 Randallstown$2,143 College Park$2,143 Montgomery Village$2,143 Pikesville$2,143 Parkville$2,143 Owings Mills$2,143 Bel Air North$2,143 Eldersburg$2,143 Carney$2,029 South Gate$2,029 Milford Mill$2,029 West Elkridge$2,029 Perry Hall$2,029 Crofton$2,029 Laurel$2,029 South Laurel$2,029 Reisterstown$2,029 Suitland$2,029 Edgewood$2,029 Lochearn$2,029 Middle River$2,029 North Potomac$2,029 Scaggsville$2,029 Pasadena$2,029 Greenbelt$2,029 Hunt Valley$2,029 Fort Washington$2,029 Fairland$2,029 Ilchester$2,029 Arnold$2,029 Landover$2,029 Cockeysville$2,029 Arbutus$2,029 Cumberland$2,029 Lake Shore$2,029 Green Haven$2,029 Rosedale$2,029 Camp Springs$2,029 Langley Park$2,029 Greater Upper Marlboro$2,029 Westminster$2,029 Hyattsville$2,029 Ballenger Creek$2,029 Lanham-Seabrook$2,029 Calverton$2,029 Oxon Hill$2,029 Takoma Park$2,029 White Oak$2,029 Glassmanor$2,029 Seabrook$2,029 Beltsville$2,029 Ferndale$2,029 Easton$2,029 Hillcrest Heights$2,029 Maryland City$2,029 Parole$2,029 Lutherville-Timonium$2,029 Elkton$2,029 Elkridge$2,029 Aberdeen$2,029 East Riverdale$2,029 Damascus$2,029 Rossville$2,029 Cloverly$2,029 Adelphi$2,029

Frequently asked questions

▸How much is car insurance in Maryland?

Full coverage in Maryland is estimated at $2,212 a year, or $184 a month, for a 35-year-old with a clean record. A state-minimum policy is estimated at $847 a year.

▸What car insurance is required in Maryland?

Maryland requires $30,000 bodily injury liability per person, $60,000 per accident and $15,000 property damage, plus uninsured motorist 30/60/15, pip $2,500 or waiver.

▸Is Maryland a no-fault state?

No. Maryland is an at-fault (tort) state, so the driver responsible for a crash — through their liability insurance — pays for the other party's injuries and property damage.

▸Which Maryland city has the cheapest car insurance?

Of the 102 Maryland cities we price, Adelphi carries the lowest estimate at $2,029 a year, while Baltimore is highest at $2,644. Urban density is the main driver of the gap.

▸How can I get cheaper car insurance in Maryland?

Re-quote at every renewal rather than letting the policy roll, raise your deductible to $1,000 if you can absorb it, bundle with home or renters cover, and ask specifically about low-mileage, defensive-driving and telematics discounts. The spread between the cheapest and most expensive carrier on an identical risk is routinely close to 2x.