Cheapest Car Insurance in Maryland (2024)

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Cheapest full-coverage car insurance in Maryland: Geico

Geico offers Maryland’s cheapest full-coverage car insurance, with rates that average $1,563 a year, or $130 a month.

Erie, State Farm and Travelers also offer full-coverage rates that are cheaper than the state average ($2,051 a year).

Company		Average annual rate	LendingTree score
	Geico	$1,563
	Erie	$1,730	Not rated
	State Farm	$1,765
	Travelers	$1,842
	Progressive	$2,312
	Nationwide	$2,757
	Allstate	$3,496
	USAA	$944

USAA’s average rate for full-coverage car insurance in Maryland is even cheaper, but only members of the military and their families can buy from USAA.

Full-coverage car insurance usually combines liability, comprehensive and collision coverage types. Together, these coverages protect you from damage to your vehicle and your own injuries, as well as injuries and damage you cause to others.

To get the cheapest full-coverage car insurance for your situation, compare car insurance quotes from several companies while you shop for a policy.

Cheapest Maryland liability coverage: Geico

Geico, Erie and State Farm have the cheapest car insurance in Maryland for drivers who only want liability coverage.

Geico’s average rates are the lowest overall, at $803 a year or $67 a month, which is 27% cheaper than the state average rate of $1,093 a year.

Liability car insurance helps pay for injuries you cause to others in a car accident. It also covers damage you cause to someone else’s vehicle or property. However, it does not cover your own injuries or damage to your own vehicle.

Cheapest rates for young drivers in Maryland: Erie

Young drivers looking for cheap car insurance in Maryland should get quotes from Erie. Erie’s average liability and full-coverage rates are the cheapest in the state for teen and other young drivers, at $1,856 and $3,700 a year, respectively.

Cheapest liability coverage for teen drivers

Cheapest full coverage for teen drivers

Teen and other young drivers pay a lot for car insurance because they tend to get into more accidents than older drivers do. Car insurance rates go down as you age, though — especially after the age of 25.

One of the best ways to get cheap car insurance for young drivers in Maryland and elsewhere? Get a parent to add you to their policy.

Find the Cheapest Car Insurance Quotes in Maryland

Insurance Type Please select Auto Home Renters

ZIP code

Age 16-20 21-24 25-34 35-44 45-54 55-65 65+

Currently insured? Yes No

Find Insurers

It's free, simple and secure.

Cheapest rates after a speeding ticket in Maryland: State Farm

State Farm is the cheapest car insurance company for Maryland drivers after a speeding ticket, with rates that average $1,897 a year, or $158 a month.

Drivers in Maryland with a speeding ticket on their records pay 20% higher car insurance rates than those with clean records, on average.

Cheapest rates after an accident in Maryland: State Farm

State Farm has the most affordable car insurance in Maryland for drivers with an at-fault accident on their records, charging $2,148 a year ($179 a month), on average.

Maryland drivers pay 52% more for car insurance after an at-fault accident, on average.

Cheapest rates after a DUI in Maryland: Erie

Erie has the cheapest auto insurance for drivers with a DUI (driving under the influence) conviction in Maryland, with rates averaging $2,010 a year, or $168 a month.

Geico also offers affordable rates to Maryland drivers after a DUI, at $2,235 a year, or $186 a month.

Drivers with a DUI pay an average of 77% more for car insurance in Maryland than they would if they had clean records.

Best Maryland rates for bad credit: Geico

Geico charges the cheapest car insurance rates for drivers with bad credit, at an average of $2,235 a year ($186 a month).

Drivers with bad credit often pay more for car insurance, as car insurance companies consider them more likely to file claims. The higher rates help offset the higher risk.

In Maryland, car insurance companies can only use your credit score to calculate your initial premium. They can’t use it to increase your premium at renewal, or to deny, cancel or refuse to renew your policy.

Maryland insurance rates by city

Among Maryland’s largest cities, Hagerstown has the cheapest car insurance, with rates that average $1,672 a year, or $139 a month.

Baltimore has the state’s highest car insurance rates, at an average of $3,005 a year, or $250 a month.

Where you live is one factor that companies use to calculate your car insurance premium. Other factors that affect what you pay are:

• Your age, gender and marital status
• The make and model of your car
• Your driving record
• Your history of insurance claims

Car insurance laws in Maryland

Maryland law requires drivers to have 30/60/15 car insurance at a minimum. This means they need at least these amounts of bodily injury and property damage liability car insurance coverage.

Minimum coverage for car insurance in Maryland

Maryland drivers also need to carry uninsured motorist coverage with at least these same limits. Uninsured motorist coverage is a type of car insurance that kicks in if an uninsured driver injures you or damages your car. It also protects against hit-and-run drivers.

If you can’t get car insurance because of a serious accident, an insurance lapse or other reasons that cause companies to consider you a high-risk driver, get a quote from Maryland Auto Insurance. Previously known as the Maryland Auto Insurance Fund (MAIF), Maryland Auto will insure you if a company cancels your policy or if two or more companies deny you coverage.