How Much Does Car Insurance Cost in Cambridge, MD?
Cambridge, Maryland, is a charming waterfront town nestled along the eastern shore of the Chesapeake Bay. Known for its rich maritime history, picturesque landscapes, and close-knit community, Cambridge offers a serene and welcoming atmosphere.
Drivers in Cambridge can compare multiple cheap car insurance coverage options with free insurance quotes & rates from local providers. We will break down the average auto insurance policy costs for the city throughout this guide:
- On average drivers can expect to pay $59 a month or $709 a year for state minimum liability coverage and $166 a month or $1,993 a year for a full coverage auto policy in Cambridge, MD.
- InsuranceQuotes cost rates are pulled from our real-time auto insurance cost database for multiple drivers and quotes in your city – it is based on a used car driver who is single, middle aged and has a clean MD driving record with no prior violations. – Read on to learn about cheapest rates filtered by insurance providers, new cars, different vehicle types and age.
Cheapest Car Insurance Providers in Cambridge
- In Cambridge, MD on average the cheapest auto insurance providers are GEICO and Progressive. State minimum liability coverage starts at $46 a month or $548 a year – Full coverage would cost around $130 a month or $1,557 a year.
Here is a breakdown of average costs from the cheapest local insurance providers near you from our data set of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Provider: | Minimum Liability: | Monthly: | Fulll Coverage: | Monthly: |
|---|---|---|---|---|
| GEICO | $548 | $46 | $1,557 | $130 |
| Progressive | $612 | $51 | $1,712 | $143 |
| USAA | $620 | $52 | $1,777 | $148 |
| Erie Insurance | $866 | $72 | $2,545 | $212 |
| State Farm | $899 | $75 | $2,376 | $198 |
| Average Cost: | $709 | $59 | $1,993 | $166 |
Auto Insurance Rates by Vehicle Type
To determine how much you can expect to pay for your insurance based on vehicle type we averaged multiple cost quotes in Maryland and pulled data for used vehicles such as a Toyota Camry, Nissan Titan, Chevrolet Bolt, Honda CR-V and BMW 4 Series:
| Vehicle Type: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Car (4door) | $929 | $77 | $2,106 | $176 |
| Truck | $1,010 | $84 | $2,398 | $200 |
| Hybrid Electric | $898 | $75 | $2,268 | $189 |
| SUV | $867 | $72 | $1,873 | $156 |
| Luxury Coupe | $828 | $69 | $2,892 | $241 |
Auto Insurance Rates for Brand New Vehicles
On average the price of car insurance for a brand new vehicle in Maryland would be an annual premium of $2,577 or $215 a month for full coverage.
We pulled insurance cost rates data for new 2022-2023 vehicles to give you an idea of the difference in coverage price for newer cars vs. used vehicles:
| Vehicle Type: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Car (4door) | $891 | $74 | $2,439 | $203 |
| Truck | $976 | $81 | $2,710 | $226 |
| Hybrid Electric | $926 | $77 | $2,522 | $210 |
| SUV | $840 | $70 | $2,063 | $172 |
| Luxury Coupe | $752 | $63 | $3,152 | $263 |
How Age Affects Your Car Insurance Premiums
In Maryland, age is a significant factor that influences your auto rates. Generally, younger drivers tend to face higher insurance premiums compared to older, more experienced drivers.
Statistics show that younger drivers, particularly teenagers and individuals in their early twenties, are more likely to be involved in accidents due to their limited driving experience and potential risky behavior on the road.
- 17-25 years: Average cost of $5,315 a year for full coverage
- 25- 54 years: Average cost of $2,236 a year for full coverage
- 55+ years: Average cost of $$2,271 a year for full coverage
Here is a breakdown of the average costs for car insurance based on each age in Maryland:
| Age: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| 17 | $2,586 | $215 | $6,805 | $567 |
| 18 | $2,264 | $189 | $6,000 | $500 |
| 20 | $1,794 | $149 | $4,825 | $402 |
| 22 | $1,356 | $113 | $3,632 | $303 |
| 24 | $1,117 | $93 | $2,991 | $249 |
| 29 | $930 | $78 | $2,464 | $205 |
| 34 | $881 | $73 | $2,294 | $191 |
| 39 | $868 | $72 | $2,237 | $186 |
| 44 | $858 | $72 | $2,190 | $182 |
| 49 | $849 | $71 | $2,148 | $179 |
| 54 | $833 | $69 | $2,083 | $174 |
| 64 | $929 | $77 | $2,297 | $191 |
| 74 | $946 | $79 | $2,340 | $195 |
| 76 | $955 | $80 | $2,366 | $197 |
How Much Car Insurance Do I Need in Maryland?
Maryland car insurance regulations ensure that all drivers on the state’s roads have the necessary coverage to protect themselves and others in case of accidents or unforeseen events.
Drivers in Maryland are required to carry minimum liability insurance coverage, which includes bodily injury and property damage liability. This coverage helps pay for medical expenses, property repairs, and legal fees if the insured driver is at fault in an accident.
Additionally, Maryland law mandates uninsured motorist coverage to safeguard against accidents involving drivers who lack insurance. The state’s car insurance system operates under a fault-based system, meaning that the party at fault in an accident is responsible for covering the damages.
However, drivers also have the option to choose between limited or full tort coverage, affecting their ability to seek compensation for non-monetary damages like pain and suffering. To legally operate a vehicle in Maryland, drivers must maintain proof of insurance and be prepared to provide it when requested by law enforcement or other relevant authorities. Here is a breakdown of how much insurance you are required to have in MD:
- $30,000 per person, $60,000 per accident for bodily injury liability
- $15,000 per accident for property damage liability
- $30,000 per person, $60,000 per accident for uninsured motorists
- $15,000 per accident property damage for uninsured motorists
- $2,500 per person for personal injury protection
You will have to sign an FR-19 certificate once you get insurance. This document is valid for 30 days and tells the DMV that you are insured. The state also requires insurance agencies to submit your insurance details.
Car insurance in Cambridge, MD averages $60/month for minimum coverage and $165/month for full coverage in 2026. Erie Insurance offers rates starting around $45/month. Your actual rate in Cambridge depends on your driving record, vehicle, ZIP code, and coverage level.
MD requires minimum coverage of 30/60/15. MD is a tort state — the at-fault driver is responsible for all resulting damages. Driving uninsured in MD can result in license suspension and fines.
No. MD is a tort state. The at-fault driver is legally responsible for the other party’s injuries and property damage.
For Cambridge drivers in 2026, Erie Insurance is among the most affordable options in MD starting around $45/month for minimum coverage. State Farm, GEICO, and Progressive are also widely available and worth comparing. Rate differences between carriers can exceed $50/month for identical coverage.
Maryland is a tort state. Baltimore and the I-95 corridor carry the highest rates while rural Western Maryland is significantly cheaper. To lower your Cambridge premium: (1) compare at least three carrier quotes annually, (2) maintain a clean driving record, (3) bundle auto and home or renters insurance for 5 to 15% savings, and (4) raise your deductible to $1,000 on full coverage to cut premiums 10 to 15%.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
