Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Maryland Average car insurance cost in Maryland The average full coverage car insurance cost in Maryland is $2,273 annually, or $189 monthly. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMarch 11, 2026 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed A full coverage car insurance policy costs around $2,273 a year or $189 per month for Maryland drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $815 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. Average annual cost $2,273 Average per month cost $189 Average cost for state minimum coverage $840 / Year Cheapest car insurance company GEICO$1,545 / Year Average cost for young drivers $3,876 / Year Average cost for Senior drivers $2,133 / Year 012345 1 of 6 Average car insurance cost in Maryland If you live in Maryland can expect to pay an average of $189 per month for full coverage car insurance – that’s $2,273 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $68 monthly or $815 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in MarylandIf you’re looking for affordable insurance, GEICO tops the list of the cheapest car insurance companies. Its average annual cost is $1,545 per year or $129 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Nationwide also provides affordable insurance rates in Maryland for a full coverage policy at an average annual insurance cost of $1,834 or $153 monthly.While these companies offer some of the lowest average premiums in Maryland, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. Affordable car insurance providers in Maryland Graph Table Company nameAverage per month costAverage annual costGEICO$129$1,545Nationwide$153$1,834Erie Insurance$159$1,906Travelers$163$1,957State Farm$201$2,415Progressive$216$2,588Penn National Insurance$261$3,129Allstate$335$4,019USAA*$109$1,311*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: Maryland car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Maryland Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Maryland Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State Minimum$970/year Liability coverage$1,281/year Full Coverage$2,909/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select age 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Average cost of car insurance by coverage levels in MarylandYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $68 per month or $815 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Maryland, drivers typically pay $189 per month or $2,273 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.Coverage limitsAverage annual costState minimum liability-only$815Liability only$840Full coverage$2,273Non-owner state minimum liability$471Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Maryland by citySee rates in your cityBaltimoreFrederickGaithersburgRockville Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Maryland by cityWhere you live in Maryland can have a big impact on your car insurance rates.If you’re located in cities like Baltimore, College Park, or Laurel, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Hagerstown and Salisbury tend to pay much lower insurance premiums, between $1,974 and $2,011 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.CityAverage annual costHagerstown$1,974Salisbury$2,011Frederick$2,021Annapolis$2,144Rockville$2,172Gaithersburg$2,275Bowie$2,492Laurel$2,522College Park$2,736Baltimore$3,322Powered by:Average car insurance cost in Maryland by ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Maryland, based on age and gender.Average car insurance cost in Maryland for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Maryland pays an average of $5,628 annually for car insurance, compared to $4,722 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $2,820 per year for male drivers and $2,630 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,628$4,72221$4,460$3,73222$4,019$3,49023$3,499$3,05324$3,221$2,947Powered by:Average car insurance cost in Maryland for adult driversAn adult driver aged 25-60 in Maryland pays $2,288 annually for full coverage, or around $191 each month. Women in the same age group pay $2,226 per year or $186 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,820$2,63030$2,477$2,43435$2,383$2,34940$2,299$2,24745$2,247$2,18250$2,102$2,08355$1,972$1,93660$1,948$1,908Powered by:Average car insurance cost in Maryland for senior driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,159 annually, while women pay $2,093.By 70, average rates go up to $2,159 for men and $2,093 for women. At age 75, costs increase further, reaching $2,181 for men and $2,110 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,159$2,09370$2,159$2,09375$2,181$2,110Powered by:Minimum car insurance requirements in MarylandWhether you’re buying your first insurance policy or just moved to Maryland, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Maryland must carry at least the following minimum liability coverage:Bodily injury per person: $30,000Bodily injury per accident: $60,000Property damage liability: $15,000Cheapest cars to insure in MarylandYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Honda HR-V tops the list for cheapest car to insure in Maryland at an average cost of $1,772 a year, followed closely by Volkswagen Tiguan at $1,782 per year.The table below outlines the vehicles with the lowest insurance costs.Make ModelAverage annual premiumHonda HR-V$1,772Volkswagen Tiguan$1,782Honda CR-V$1,799Subaru Forester$1,806Subaru Outback$1,814Hyundai Venue$1,827Chevrolet TrailBlazer$1,849Volkswagen Taos$1,874Mini Cooper Countryman JCW$1,878Mazda CX-5$1,889Powered by:Most expensive cars to insure in MarylandMaserati Quattroporte stands out as the most expensive car to insure in Maryland, with an average annual cost of $6,012.The table below shows the most expensive vehicles to insure in Maryland along with their average annual insurance costs.Make ModelAverage annual premiumMaserati Quattroporte$6,012Audi e-tron GT$5,752Maserati Ghibli$5,556BMW i7$5,544Nissan GT-R$5,357Tesla Model S$5,357Audi RS7$5,270Audi RS6$5,251Tesla Model X$5,189Mercedes-AMG GT$5,131Powered by:Car insurance rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in MarylandCheapest car insurance companies in MarylandAverage cost of car insurance by coverage levels in MarylandAverage car insurance cost in Maryland by cityAverage car insurance cost in Maryland by ageMinimum car insurance requirements in MarylandCheapest cars to insure in MarylandMost expensive cars to insure in MarylandMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330