Maryland Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Maryland car insurance averages about $197 a month ($2,362 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 16% below the national average in our data. It’s about the same as in West Virginia, higher than in Virginia and lower than in Delaware, Pennsylvania and Washington, D.C. GEICO has the lowest full-coverage average of the five major insurers we compared (Allstate, Erie, GEICO, Progressive and State Farm) that are among insurers anyone can buy from, at about $146 a month.

Maryland car insurance: key numbers

• Full coverage: about $197 a month ($2,362 a year)
• Liability only (20/40/15): about $89 a month
• Lowest-priced insurer: GEICO has the lowest full-coverage average of the five major insurers we compared that are among insurers anyone can buy from, at about $146 a month
• Recent price change: −4.5% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Baltimore City (about $269 a month) and Talbot County (about $154)

Maryland auto insurance rates depend on where you live and which company you pick. Baltimore City averages about $269 a month for full coverage in our data and Prince George’s County about $229, while Talbot County, the least expensive of the state’s 24 jurisdictions, averages about $154. Statewide, Allstate’s average is about $215 a month above GEICO’s for the same driver and car. Use these averages as a benchmark for where you live, then compare Maryland car insurance quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 239 Maryland ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

How Much Is Car Insurance in Maryland?

In Maryland, full coverage averages about $197 a month ($2,362 a year), while liability-only coverage at 20/40/15 limits, which are below the 30/60/15 state minimum, averages $89 a month. The figure is for a 40-year-old driver with a clean record and uses rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Maryland averages $2,362 a year, or about $197 a month, for our benchmark driver. Liability-only coverage at 20/40/15 limits averages $1,072 a year ($89 a month), and 50/100/50 liability with comprehensive and collision averages $2,305 ($192 a month).

• Full coverage (100/300/100, $500 deductibles): $2,362 a year ($197 a month)
• 50/100/50 with $500 deductibles: $2,305 a year ($192 a month)
• Liability only (20/40/15): $1,072 a year ($89 a month)
• Baltimore: $3,270 a year ($273 a month) for full coverage
• Columbia: $2,205 a year ($184 a month) for full coverage
• Cumberland: $1,875 a year ($156 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

Allstate is far more expensive than the other insurers here: its full-coverage average of about $361 a month is 2.2 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Allstate, the Maryland average would be about $164 a month.

How Maryland Compares With Neighboring States

Maryland’s average is about $44 a month below Delaware’s, $7 below Pennsylvania’s, $19 above Virginia’s, $3 above West Virginia’s and $72 below Washington, D.C.’s. It’s the 24th-lowest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Maryland: Companies Compared

Looking for cheap car insurance or the best car insurance rates in Maryland? Among these five insurers, GEICO has the lowest full-coverage average for our benchmark driver, about $146 a month ($1,750 a year), followed by Erie at $176 and Progressive at $181. The bullets and table below show all six major insurers we compared and the two marked *.

• Lowest average among insurers anyone can buy from, full coverage: GEICO, at about $146 a month ($1,750 a year).
• Next lowest among these five insurers: Erie, at about $176 a month, then Progressive at $181.
• Military families: USAA averages about $126 a month statewide, but only for eligible members.
• Liability only (20/40/15): about $51 to $177 a month across the five insurers anyone can buy from.
• Also on our list: Travelers at about $171 a month and Nationwide at $185.
• Most expensive in our data: Allstate, at about $361 a month for full coverage, $2,580 a year more than GEICO.

GEICO has the lowest full-coverage average among the insurers in our Maryland rate data that are among insurers anyone can buy from. USAA averages even less, at $126 a month, but it sells only to military members, veterans and their families. Four of the seven published 2026 statewide Maryland rate studies we reviewed rank GEICO cheapest for full coverage, apart from USAA, and the other three each put a different insurer first. For liability-only coverage at 20/40/15 limits, averages run from about $51 to $177 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.

See What You’d Pay in Maryland

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How Maryland’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Maryland?

Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Maryland ZIP codes, their full-coverage average fell from $2,062 a year nine months earlier to $1,969 in rates as of Aug. 31, 2026, a 4.5% drop. Progressive cut its Maryland average 9.6%, Erie 9.1% and State Farm 1.1%, while GEICO’s and USAA’s averages were about unchanged. Allstate is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Maryland average above. Liability-only coverage at 20/40/15 limits rose 0.1%, led by Erie, which raised its liability-only average 9.6%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Maryland Car Insurance Costs

Three things stand out in our numbers and in state law.

• Baltimore and the Washington suburbs cost the most. Baltimore City ($269), Prince George’s County ($229) and Baltimore County ($221) are the three most expensive of Maryland’s 24 jurisdictions in our data, and 21 of the 24 average less than $2,400 a year. The four least expensive are on the Eastern Shore and in Western Maryland, with Talbot County the lowest, at $154.
• Your insurer matters more than your ZIP code. Statewide, GEICO averages about $146 a month for full coverage and Allstate about $361, a gap of about $215 a month, wider than the gap between the most and least expensive ZIP codes we price. Erie and Progressive cut their statewide averages by about 9% and 10% over the past nine months, while GEICO’s didn’t change.
• PIP and enhanced underinsured coverage come standard. Every Maryland policy includes at least $2,500 of personal injury protection unless the first named insured waives it in writing, and since July 1, 2024, new policies also include enhanced underinsured motorist coverage unless you turn it down in writing, under Insurance Article § 19-509.1. Maryland also applies contributory negligence, so if you’re even slightly at fault for a crash, you generally can’t collect from the other driver.

Maryland Car Insurance Rates by City

Among the 21 cities with two or more ZIP codes in our data, Baltimore is the most expensive, at $273 a month for full coverage, followed by Hyattsville at $243 and Upper Marlboro at $219, and Hagerstown is the cheapest, at about $159. Across all 178 cities and towns we price, averages run from about $278 in Gwynn Oak, just west of Baltimore, to about $153 in Ocean City. The table lists Maryland car insurance rates for every place we price and links each of our eight city guides.

The table lists all 178 Maryland cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Maryland City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Maryland Car Insurance Rates by County

Baltimore City is the most expensive jurisdiction in our data, at about $269 a month for full coverage, followed by Prince George’s County ($229) and Baltimore County ($221). The least expensive of the 24 are Talbot County ($154) and Caroline, Allegany and Worcester counties (each $156). We price all 24 of Maryland’s jurisdictions, its 23 counties and Baltimore City.

How Much More Does Better Coverage Cost in Maryland?

Raising liability limits from 50/100/50 to 100/300/100 adds only about $57 a year on average statewide in our data, with the same $500 deductibles. Across the six insurers, the change runs from $32 less a year (Erie) to $161 more (State Farm). The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Erie charges less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Personal Injury Protection (PIP) in Maryland

Maryland is an at-fault state, but every policy comes with at least $2,500 of personal injury protection unless the first named insured waives it in writing. PIP pays medical bills, 85% of lost income and, for someone who doesn’t earn an income, essential household services, for expenses incurred within three years of a crash, no matter who caused it, under Insurance Article § 19-505.

If you don’t sign a waiver, you get full PIP automatically, and an insurer can’t refuse to cover you because you keep it, under Insurance Article § 19-506. A waiver stays in effect until you withdraw it in writing, as long as you stay continuously insured. Only a policy at the minimum liability limits can reject PIP outright: Maryland Auto must offer rejection to some new applicants, and other insurers may offer it to an applicant whose last insurer canceled the policy before the end of its term, under § 19-506.1. The Maryland Insurance Administration consumer guide explains the options.

Maryland Car Insurance Laws at a Glance

Maryland Minimum Car Insurance Requirements

The minimum car insurance in Maryland includes bodily injury liability of $30,000 per person and $60,000 per crash and property damage liability of $15,000 (30/60/15), along with uninsured and underinsured motorist coverage at those same amounts plus $15,000 for uninsured motorist property damage, and $2,500 of personal injury protection unless you waive it in writing.

• Bodily injury liability: $30,000 per person and $60,000 per crash, under Transportation Article § 17-103. That minimum applies to policies issued or renewed since Jan. 1, 2011; before then it was 20/40, under House Bill 825.
• Property damage liability: $15,000 per crash.
• Uninsured and underinsured motorist coverage: at least the same amounts, plus $15,000 for uninsured motorist property damage, according to the Maryland Insurance Administration. Maryland builds underinsured motorist protection into its uninsured motorist coverage, and your limits match your liability limits unless you sign a waiver to lower them, never below the minimum, under Insurance Article § 19-509.
• Personal injury protection (PIP): $2,500, under Insurance Article § 19-505, unless the first named insured waives it in writing. The PIP section above explains the choices.

Since July 1, 2024, new Maryland policies include enhanced underinsured motorist coverage unless the first named insured turns it down in writing, according to the Maryland Insurance Administration. Under Insurance Article § 19-509.1, it pays on top of what the at-fault driver’s insurance pays, up to your own limits. The liability-only prices on this page use 20/40/15 limits, with uninsured and underinsured motorist coverage at the same limits, so they’re lower than the law now requires.

Is Maryland a No-Fault State?

No. Maryland is an at-fault state, and its courts apply contributory negligence: an injured person’s fault, however slight, bars recovery from the other driver, according to the Department of Legislative Services. Your own PIP still pays your medical bills and lost wages whoever caused the crash. Uninsured motorist coverage pays only if the other driver is found 100% at fault, and uninsured motorist property damage claims carry a $250 deductible set by law, according to the Maryland Insurance Administration.

Proof of Insurance and Penalties for a Lapse in Maryland

Insurers report your coverage to the MVA electronically. The minimums apply even if the car isn’t being driven, and if you cancel your insurance without replacing it, you must return your license plates before the policy ends. You can carry proof of insurance on paper or show it on your phone, under Transportation Article § 17-104.2, and not having proof can mean a $50 fine, according to the Maryland Insurance Administration.

If your coverage lapses, the MVA charges $200 for each vehicle for the first 30 days without coverage and $7 a day after that, up to $3,500 per violation in a 12-month period, under Transportation Article § 17-106; the penalties keep adding up until you’re insured again or return your plates. Unpaid penalties can lead to a registration suspension and go to the state’s Central Collections Unit with 17% added, according to the MVA. Knowingly driving an uninsured car can bring a fine of up to $1,000, up to a year in jail or both (up to two years in jail for a repeat offense), under § 17-107. If the MVA questions your coverage, your insurer must give you an FR-19 form at no charge, according to the Maryland Insurance Administration consumer guide.

Credit, Maryland Auto and Complaints

Maryland insurers can use your credit history to set your rate when you apply, but not to refuse, cancel or non-renew a policy or to raise your renewal premium, and a credit discount or surcharge can’t exceed 40%, under Insurance Article § 27-501. If at least two private insurers turn you down, you can apply to the Maryland Automobile Insurance Fund, which does business as Maryland Auto Insurance, according to the consumer guide.

The Maryland Insurance Administration publishes Auto Insurance: A Comparison Guide to Rates, which lists annual premiums by insurer for 22 household types in ZIP codes across the state; its August 2026 edition uses rates effective Aug. 1, 2026. It takes complaints about insurers online and at 1-800-492-6116.

How to Lower Your Car Insurance Rate in Maryland

1. Quote several insurers. Statewide, the lowest and highest averages among insurers anyone can buy from are about $215 a month apart for the same driver and car.
2. Compare GEICO and Erie first. They have the two lowest full-coverage averages among the five major insurers we compared in Maryland, about $146 and $176 a month.
3. Decide on enhanced underinsured motorist coverage. Since July 1, 2024, new Maryland policies include it unless you turn it down in writing, under Insurance Article § 19-509.1. It pays on top of the at-fault driver’s insurance, up to your own limits, which helps if the other driver carries only the 30/60/15 minimum.
4. Make your PIP choice on purpose. Waiving personal injury protection lowers your premium, but it drops the coverage that pays your own medical bills and lost wages after a crash no matter who caused it, under Insurance Article § 19-506. Pedestrians and children under 16 keep their coverage either way.
5. Return your plates before you drop coverage. The MVA charges $200 for the first 30 days a registered car goes uninsured and $7 a day after that, up to $3,500 in 12 months, under Transportation Article § 17-106, so a gap between policies can cost more than the premium you save.
6. Check the state’s rate guide. The Maryland Insurance Administration’s comparison guide to rates lists annual premiums by insurer for 22 household types in ZIP codes across the state. Use it alongside our figures when you choose which insurers to quote.
7. Compare at every renewal. Over the past nine months, Progressive has cut its statewide average 9.6%, Erie 9.1% and State Farm 1.1%, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
9. Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Maryland home insurance rates and our home insurance guides for Baltimore and Columbia, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.

Compare Maryland Car Insurance Quotes

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How We Calculated Maryland Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 1,434 full-coverage premiums from six insurers across 239 Maryland ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 20/40/15 limits, with 20/40 uninsured and underinsured motorist coverage and no comprehensive or collision. Maryland’s minimum has been 30/60/15 since Jan. 1, 2011, so our liability-only prices use lower limits than the law requires. Every Maryland policy must also include $2,500 of personal injury protection unless the first named insured waives it in writing; the PIP section of this page explains the choices.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price, including USAA. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. USAA sells only to the military community, so it’s shown but not ranked. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Allstate is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Maryland rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Maryland law and the Maryland Insurance Administration. We refresh these figures when new rate data is released.

More Maryland Car Insurance Breakdowns

The tables in this section come from additional InsuranceQuotes rate analyses. Each uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use them to compare vehicle types, counties and towns with each other.

Maryland Car Insurance Rates by County and Vehicle Type

The first table comes from an additional InsuranceQuotes rate analysis that priced state-minimum coverage by vehicle type in all 23 Maryland counties and Baltimore City, with its own driver profile, which is why its dollar amounts differ from the averages above. In that analysis, an SUV is the least expensive vehicle type to insure in every jurisdiction, about $814 a year on average, and a hybrid the most expensive, about $979, a 20% gap. Baltimore City and Prince George’s County rank as the most expensive there too. Use it to compare vehicle types and counties rather than as a price for your car.

Maryland Car Insurance Rates in 565 Cities and Towns

The second table comes from another InsuranceQuotes rate analysis that priced state-minimum and full coverage in 565 Maryland cities and towns for a single, middle-aged driver with a clean record. It uses its own driver profile and mix of insurers, so its prices differ from ours. In it, Gwynn Oak, Randallstown and Baltimore rank among the most expensive places, and Western Maryland towns such as Mount Savage and Frostburg among the least expensive. Use it to compare towns with each other.

Methodology for Our Additional Maryland Rate Analysis

Rates are based on one vehicle and one driver. The county table prices state-minimum coverage for five vehicle types (sedan, SUV, coupe, truck and hybrid), and the city and town table prices state-minimum and full coverage. The hypothetical driver is 35 years old, female or male, employed, a college graduate and has good credit. They have no traffic violations, claims or lapse in coverage. The vehicle is assumed to be garaged on premises, used primarily for commuting and driven 16,000 miles per year. Rates include commonly available insurer discounts and aren’t guaranteed.

Maryland Car Insurance FAQ