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 onMay 20, 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 If you’re in Maryland, your monthly cost for full coverage car insurance is $189, which adds up to $2,273 per year. For minimum coverage, expect to pay an average of $68 monthly, or $815 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. 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 MarylandIf 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 MarylandGEICO provides the lowest full coverage rates, for an average cost of $1,545 per year or $129 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.Nationwide also offers affordable insurance coverage to Maryland drivers at an average cost of $1,834 a year or $153 per month.Although these insurers offer some of the most affordable average rates in Maryland, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. 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 MarylandThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $68 per month, or $815 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In Maryland, the average cost for full coverage is $189 per month, or $2,273 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.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 cityCar insurance rates can vary widely depending on where you live, even within Maryland.Cities like Baltimore, College Park, or Laurel tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Hagerstown or Salisbury, with average annual premiums between $1,974 and $2,011.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.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 ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Maryland for a full coverage policy based on your age and gender.Average car insurance cost in Maryland for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Maryland pay an average of $5,628 per year for car insurance, while females of the same age pay $4,722.But by the time you turn 25, insurance premiums drop to $2,820 a year on average for male drivers and $2,630 for female drivers.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 driversOn average, an adult male driver in Maryland pays $2,288 a year for full coverage or $191 per month. Women pay $2,226 a year or $186 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.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 driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,159 per year, while women pay $2,093. But by age 70, average premiums rise to $2,159 for men and $2,093 annually for women. At 75, rates increase even further – $2,181 for male drivers and $2,110 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining 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 MarylandInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Honda HR-V has the lowest premium, at an average of $1,772 a year, closely followed by Volkswagen Tiguan, with an average annual car insurance cost of $1,782.The table below shows the cheapest cars to insure and their average annual rates.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 is one of the most expensive vehicles to insure in Maryland, with an average annual cost of $6,012.Below is a list of the costliest vehicles to insure in Maryland and their average premiums.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:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.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. 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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 1-833-708-5453