For a 40-year-old driver with a clean record, Salisbury car insurance averages about $161 a month ($1,931 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 18% below the Maryland average of $197 a month. 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 $123 a month.
Salisbury, the Eastern Shore’s largest city, is one of the less expensive places in Maryland to insure a car: our benchmark driver pays about $36 a month less here than the state average. Use these averages as a benchmark when you compare car insurance quotes in Salisbury, MD.
Our figures cover the two ZIP codes with a Salisbury mailing address that we price, 21801 and 21804, which both average about $161 a month for full coverage.
Cost data comes from the auto rates insurers file with state regulators, priced across both Salisbury ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Salisbury averages $1,931 a year, or about $161 a month, for our benchmark driver. Liability-only coverage at 20/40/15 limits averages $835 a year ($70 a month), and 50/100/50 liability with comprehensive and collision averages $1,909 ($159 a month).
Allstate is far more expensive than the other insurers here: its full-coverage average of about $280 a month is 2.0 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 Salisbury average would be about $137 a month.
GEICO has the lowest full-coverage average among the insurers in our Salisbury rate data that are among insurers anyone can buy from. USAA, which sells only to military members, veterans and their families, has a lower average still ($104 a month). 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, GEICO has the lowest average among these five insurers that are among insurers anyone can buy from, at about $41 a month, followed by Erie at $49. USAA, which sells only to military families, is lower still, at about $29 a month.
Full-coverage averages by insurer in Salisbury
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/15 (Yearly): | Liability Only 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| USAA (military families) | $343 | $29 | $1,251 | $104 |
| GEICO | $493 | $41 | $1,472 | $123 |
| Erie | $584 | $49 | $1,736 | $145 |
| Progressive | $1,217 | $101 | $1,861 | $155 |
| State Farm | $817 | $68 | $1,914 | $160 |
| Allstate | $1,556 | $130 | $3,354 | $280 |
| Travelers* | $631 | $53 | $1,704 | $142 |
| Nationwide* | $785 | $65 | $1,846 | $154 |
| Salisbury average | $835 | $70 | $1,931 | $161 |
This table uses Salisbury ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Salisbury data: with the same $500 deductibles, full coverage averages $1,931 a year and 50/100/50 averages $1,909. 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. Allstate and Erie charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Salisbury ZIP codes, their full-coverage average fell from $1,797 a year nine months earlier to $1,647 in rates as of Aug. 31, 2026, an 8.3% drop. Erie cut its Salisbury average 13.3%, Progressive 12.3% and State Farm 10.7%, while USAA raised its average 0.6%; GEICO’s average was 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 Salisbury average above. Liability-only coverage at 20/40/15 limits fell 2.9%, led by USAA, which cut its liability-only average 18.3%.
Salisbury’s prices track Wicomico County’s, which averages $1,924 a year for full coverage in our data. Every Eastern Shore county averages less than the state as a whole, and Talbot County, at $1,847, is the least expensive of Maryland’s 24 jurisdictions.
Ocean City, about 28 miles east, averages about $153 a month, the lowest of the 178 Maryland cities and towns we price. In Salisbury itself, GEICO’s average is about $157 a month below Allstate’s for the same driver and car. Insurers set Maryland prices by area as well as by driver, so the same car can cost more or less to insure a few miles away.
More Maryland cities and towns are in the Maryland rates by city table, and you can compare states on our car insurance rates by state page.
Fruitland and Delmar both average about $160 a month in our data, close to Salisbury, and Berlin and Ocean City run a little lower, at $154 and $153. Cambridge, about 30 miles northwest, averages about $158. For the statewide picture, see our guide to Maryland car insurance rates.
Drivers in Salisbury follow Maryland’s rules. To register and drive a car, your policy must include at least:
Since July 1, 2024, new Maryland policies also include enhanced underinsured motorist coverage, which pays on top of the at-fault driver’s insurance, unless you turn it down in writing. The liability-only prices on this page use 20/40/15 limits, below that minimum. Our Maryland requirements guide covers your PIP choices and the penalties for letting your coverage lapse.
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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.
Coverage requirements come from Maryland law and the Maryland Insurance Administration. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Salisbury averages about $161 a month ($1,931 a year) and liability-only coverage at 20/40/15 limits about $70 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 18% below the Maryland average of $197 a month.
GEICO has the lowest full-coverage average among insurers anyone can buy from in our Salisbury rate data, at about $123 a month, followed by Erie at $145, among the five major insurers we compared. USAA, which sells only to military members, veterans and their families, has a lower average still ($104 a month). For liability-only coverage at 20/40/15 limits, GEICO has the lowest average among insurers anyone can buy from, at about $41 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Generally, yes. In our data, Salisbury full coverage averages about $161 a month, 18% below the Maryland average, every Eastern Shore county averages less than the state as a whole, and Talbot County is the least expensive of Maryland’s 24 jurisdictions, at about $154.
Not much. In our data, 21801 and 21804 average within a dollar of each other, about $161 a month for full coverage for our benchmark driver.
In our Salisbury data, full coverage (100/300/100 with $500 deductibles) averages about $161 a month and liability-only coverage at 20/40/15 limits about $70, a difference of about $91 a month ($1,096 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Maryland law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Salisbury must carry Maryland’s minimums: $30,000 per person and $60,000 per crash for injuries and $15,000 for property damage (30/60/15), uninsured and underinsured motorist coverage at the same amounts plus $15,000 for uninsured motorist property damage, and $2,500 of personal injury protection unless the first named insured waives it in writing.
Not for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past nine months), their Salisbury full-coverage average fell 8.3%, from about $1,797 to $1,647 a year. That’s lower than the Salisbury average of $1,931 because it leaves out Allstate. Erie cut its Salisbury average 13.3%, Progressive 12.3% and State Farm 10.7%, while USAA raised its average 0.6%. Liability-only coverage at 20/40/15 limits fell 2.9%.
For our benchmark driver, full coverage in Salisbury averages about $161 a month. Nearby, Cambridge averages about $158, Baltimore about $273 and Columbia about $184. Cambridge is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
