Looking to save money on your car insurance bills? We evaluated several car insurance companies in Maryland to find out who has cheap car insurance.
Featured Car Insurance Partners
1
Geico
Good
C-
Low
2
USAA
Excellent
C+
OK
3
State Farm
Very good
C
Low
Finding Cheap Car Insurance In Maryland
Comparing quotes to find cheap car insurance in Maryland shouldn’t be a hassle. We evaluated options in Maryland to find the lowest rates.
- Cheapest Car Insurance in Maryland for Good Drivers
- Cheapest Car Insurance in Maryland for Drivers with a Speeding Ticket
- Cheapest Car Insurance in Maryland for Drivers who caused an Accident with Injury
- Cheapest Car Insurance in Maryland for Drivers with a DUI
- Cheapest Car Insurance in Maryland drivers with Poor Credit
- Cheapest Car Insurance in Maryland Adding a Teen Driver
- Cheapest Car Insurance in Maryland for Young Drivers Ages 18 to 25
- Cheapest Car Insurance in Maryland for Senior Drivers Ages 60-80
Cheap Maryland Car Insurance for Good Drivers
Travelers and USAA are the cheapest Maryland car insurance companies for good drivers, among the companies we analyzed.
Cheap Car Insurance in Maryland for Drivers with a Speeding Ticket
A speeding ticket increases car insurance rates by 21% in Maryland. The exact rate increase will depend on the insurance company. Even though you’ll face higher insurance rates, you can still compare quotes for the best car insurance.
Travelers and USAA have the best average costs for drivers with a speeding ticket in Maryland, so make sure to get quotes from those companies if you’re shopping for Maryland vehicle insurance and have a speeding ticket on your record.
Cheap Maryland Car Insurance for Drivers who caused an Accident with Injury
Causing a car crash that injures someone will make it difficult to find cheap car insurance. Our analysis found an average increase of 54% in Maryland compared to drivers with a good driving record.
If you cause an accident with an injury, Travelers and Geico may have the most competitive rates among the insurers in our analysis.
Cheap Maryland Car Insurance for Drivers with a DUI
Car insurance premiums in Maryland go up an average of 72% if you have a DUI conviction on your record. You can still compare car insurance quotes to find better rates.
The cheapest Maryland car insurance companies for drivers with a DUI are Geico and Travelers, among the insurers we analyzed.
Cheap Maryland Car Insurance for Drivers with Poor Credit
Maryland auto insurance companies usually charge drivers higher rates if they have poor credit. People with bad credit pay an average of 73% more for auto insurance in Maryland.
Geico and Travelers may be good choices if you’re looking for cheap Maryland auto insurance and you have poor credit.
Cheap Maryland Car Insurance for Adding a Teen Driver
Adding a teen to your car insurance policy increases rates by an average of 86% in Maryland, compared to rates for a married couple without a teen driver.
Check quotes from Maryland Auto Insurance Fund and Encompass if you’re looking for cheap car insurance for teens in Maryland.
Cheap Maryland Car Insurance for Young Drivers Ages 18 to 25
Getting your own car insurance is a costly entry into adulthood. Our analysis found that USAA and Travelers offer the cheapest Maryland car insurance for young drivers.
Cheap Maryland Car Insurance for Senior Drivers Ages 60-80
USAA and Progressive offer the best car insurance for seniors who are looking for low-cost insurance in Maryland. Older drivers should also find out if there’s a discount for taking a defensive driver class.
Required Car Insurance Discounts in Maryland
Maryland car insurance companies must offer at least these three car insurance discounts.
Good driver discount
Maryland drivers without moving traffic violations in three years and who also haven’t gained more than one point and chargeable traffic accidents in that period are eligible for a discount when a policy is issued or at policy renewal.
Provisional license discount
Maryland auto insurance companies must offer discounts to drivers under age 18 who obtain a provisional driver’s license before getting a driver’s license. A provisional license is part of the state’s Rookie Driver graduated licensing system process. Drivers with a provisional license must pass the state’s driver skills test. Those motorists don’t have to drive with supervision, but the provisional license comes with restrictions, such as not transporting passengers or driving at night.
Older adult discount
Car insurance companies in Maryland must give discounts to drivers age 55 and over if they have completed an approved accident prevention course within the last two years. The course can include classroom instruction or practice driving.
Least Expensive Vehicles for Insurance in Maryland
You can potentially save money on car insurance with the right type of vehicle. In Maryland, the Subaru Crosstrek, Subaru Forester 2.5i and Honda CR-V LX are among the cheapest vehicles for insurance, based on average rates for 50 top-selling 2021 models. The 20 least expensive are below.
The most expensive cars for insurance in Maryland among popular models are the Tesla Model 3 Standard Plus ($2,587 per year) and the Tesla Model S Performance/Plaid ($3,737 per year).
| Vehicle | Average annual premium in Maryland |
|---|---|
|
Subaru Crosstrek
|
$1,533
|
|
Subaru Forester 2.5i
|
$1,541
|
|
Honda CR-V LX
|
$1,546
|
|
Jeep Wrangler JL Sport
|
$1,583
|
|
Volkswagen Tiguan SE
|
$1,590
|
|
Ford Escape S
|
$1,596
|
|
Jeep Compass Latitude
|
$1,604
|
|
Hyundai Tucson SE
|
$1,606
|
|
Honda Pilot SE
|
$1,615
|
|
Chevrolet Trax LS
|
$1,623
|
|
Toyota RAV4 LE
|
$1,625
|
|
Dodge Grand Caravan SE
|
$1,627
|
|
Ford F-150 XL
|
$1,633
|
|
Toyota Tacoma SR
|
$1,634
|
|
Chevrolet Equinox L
|
$1,645
|
|
Mazda CX-5 Grand Touring
|
$1,646
|
|
Kia Sportage EX
|
$1,648
|
|
Subaru Outback 2.4I Limited XT
|
$1,660
|
|
Ford Edge SE
|
$1,667
|
|
Nissan Rogue S
|
$1,676
|
Required Minimum Maryland Car Insurance
You are required to carry liability car insurance in Maryland. This essential insurance pays for injuries and property damages to others. For example, if you crash into your neighbor’s fence, they can make a claim against your liability car insurance. If another driver crashes into you, you can make against their liability insurance or sue them for damages and injuries.
Car owners in Maryland must have liability coverage with at least:
- $30,000 for bodily injury to one person
- $60,000 for bodily injury to multiple people in one accident
- $15,000 for damage to property in one accident
This is often written as 30/60/15.
It’s a good idea to purchase more than the minimum. If you cause an accident with multiple injuries, medical expenses can quickly surpass the minimum limits and you could be sued for the rest. If you have savings and assets (like a house), you’ll want to protect them with higher amounts of liability insurance. It’s better to let your car insurance company pay for lawsuits and settlements, not you.
Uninsured/underinsured motorist coverage. Maryland drivers are also required to carry uninsured motorist coverage (UM), which pays for medical expenses when you are hit by someone who does not carry car insurance. You are also required to have underinsured motorist coverage (UIM), which pays for medical expenses when you’re hit by a driver who does not carry enough liability insurance to cover your bills. When their liability insurance is exhausted, your UIM will kick in.
In Maryland you are required to have UM/UIM coverage with at least:
- $30,000 for bodily injury to one person
- $60,000 for bodily injury to multiple people in one accident
- $15,000 for damage to property in one accident
Personal injury protection (PIP). Maryland car owners are required to purchase at least $2,500 in PIP insurance, which pays for you and others listed on your policy for medical expenses and lost wages, no matter who caused the accident. You can typically waive PIP coverage in writing for you and other drivers in your household, but you cannot waive it for pedestrians or children under age 16.
What Else Should I Have in Maryland?
Medical payments (MedPay). This coverage pays for medical expenses for you and others who are hurt or killed while riding in your car. It also pays if you or your family members are hit by a car while walking or riding in another car. It’s a good idea to speak with your insurance agent about this coverage. If you already have health insurance, you may not need MedPay.
Collision and comprehensive coverage. If you purchase only the required coverage types in Maryland, you still won’t have any coverage for your car. You’ll want to purchase collision and comprehensive insurance to cover problems such as car theft, vandalism, riots, hail, fire, floods, falling objects and collisions with animals, like birds and deer. Collision insurance also covers damage you accidentally do to your vehicle, like backing into a pole.
If you have a car loan or lease, the lender or leasing company probably already requires this coverage.
Summary: Required Maryland Car Insurance
| Coverage type | Required minimum in Maryland |
|---|---|
|
Liability insurance
|
• $30,000 per person for bodily injury liability
• $60,000 per accident for bodily injury liability
• $15,000 for property damage
|
|
Uninsured/underinsured motorist coverage
|
• $30,000 per person
• $60,000 per accident
• $15,000 for property damage
|
|
Personal injury protection
|
$2,500
|
|
Medical Payments
|
Not required
|
|
Collision coverage
|
Not required
|
|
Comprehensive coverage
|
Not required
|
Can I Show My Insurance ID Card from My Phone in Maryland?
Maryland lets you use your phone to show an auto insurance ID card. If you’re pulled over, you don’t have to hope your ID card is somewhere in the glove compartment. Many auto insurers have mobile apps that include access to auto insurance IDs.
Factors Allowed in Maryland Car Insurance Rates
Your driving record, past claims and vehicle model are commonly used in setting rates. Car insurance companies in Maryland can also use these factors.
| Factor | Allowed in Maryland? |
|---|---|
|
Age
|
Yes
|
|
Credit
|
Yes
|
|
Education & occupation
|
Yes
|
|
Gender
|
Yes
|
|
Marital status
|
Yes
|
|
ZIP code
|
Yes
|
Source: American Property Casualty Insurance Association. Other factors will be used to calculate your rates, including driving record and the amount of coverage you want.
How Many Uninsured Drivers are in Maryland?
About 14% of Maryland drivers have no auto insurance, according to the Insurance Research Council. That’s why it’s good to have your own insurance for covering problems they cause, including PIP insurance, collision insurance and/or uninsured motorist coverage.
Penalties for Driving Without Auto Insurance in Maryland
If you’re caught driving in Maryland without car insurance, you’re looking at a $150 fine for the first 30 days and $7 for each additional day you go without insurance, up to an annual maximum of $2,500.
And that’s not the end of it. Your car registration will be suspended, and if you drive with a suspended registration, your vehicle could be impounded and you could get additional tickets.
When Can a Vehicle Be Totaled in Maryland?
If your car is badly damaged in Maryland, your car insurance company could declare the car a total loss if the cost to repair it is more than 75% of the fair market value of the car.
Help with Insurance Problems in Maryland
The Maryland Insurance Administration is responsible for monitoring insurance companies, approving rates and handling consumer complaints. If you have an unresolved issue with an auto insurance company, you can file a complaint.
Methodology
To find the cheapest auto insurance companies in Maryland, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Except where noted, rates are based on a 40-year-old female driver with a clean record insuring a new Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (known as 100/300/100), uninsured motorist coverage and any other coverage required in the state. Rates also include collision and comprehensive insurance with a $500 deductible.
State averages for Maryland are based on rates from Allstate, Cumberland Insurance Group, Erie, Geico, Nationwide, Penn National, Progressive, State Auto, State Farm, Travelers, Kemper and USAA.
