Home Car insurance Car insurance calculator Maryland car insurance calculator Maryland car insurance calculator 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 onApril 15, 2026 Why you can trust Insure.com Quality Verified 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. If you’re a driver in Maryland, you probably know the importance of having car insurance. But finding the right coverage at a price that fits your budget isn’t always easy. That’s where our Maryland car insurance calculator comes in.Our auto insurance calculator estimates your average annual and monthly costs in Maryland based on your vehicle’s make and model, helping you make smarter coverage decisions. How to use our car insurance calculator to estimate your rates in MarylandGet a fast, personalized car insurance estimate with our calculator. Enter a few details, and you’ll see your potential rates in minutes – making it easy to compare options and choose coverage with confidence.Step 1: Choose the model year of your carStep 2: Choose the make and model of your carStep 3: Choose your stateStep 4: Click on the “Get My Rates” button to get a car insurance estimatStep 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices 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:Does your vehicle model affect car insurance rates in Maryland?A vehicle’s make and model can significantly impact car insurance rates. Insurers consider various factors, including a vehicle’s make and model, when determining premiums.For example, full coverage for a Honda Accord LX costs $2,181 per year, while the average premium for a Honda CR-V in Maryland is $1,799 – a difference of $382.Does your car’s model year affect insurance rates in Maryland?In Maryland – as in many other states – a car’s model year can impact your insurance rates. For instance, the annual premium for a 2023 Honda Accord LX is around $3,529, while insuring the 2024 model costs $2,159. Quick tip: Check your state’s minimum coverage rulesEvery state sets its own minimum car insurance requirements, and Maryland is no exception. To drive legally, you’ll need at least the minimum liability coverage, which typically includes:Bodily injury liability per person and per accidentProperty damage liabilityThese limits are the bare minimum – many drivers choose higher coverage to better protect themselves financially after an accident. Not carrying the required coverage in Maryland can lead to fines, license suspension and even vehicle impoundment. 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 How your car’s trim affects insurance rates in MarylandInsurance rates often vary based on your car’s trim. Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.For example, in Maryland, full coverage car insurance for a 2023 Honda Accord LX costs $3,529 a year, while the higher-end Accord EX-L trim costs $3,093 annually – a difference of $436 per year.Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding. You might find interesting Explore related topics Average car insurance cost in MarylandCar insurance calculator for teens in MarylandCheapest SR-22 insurance in MarylandDo you need insurance to register a car in Maryland?How much is gap insurance in MarylandLow-cost car insurance in MarylandMaryland car insurance: Rates, state minimum requirements and best companiesNon-owner auto insurance in Maryland: Which company has the cheapest rates?The best and cheapest car insurance in MarylandBest and cheapest companies for home and auto bundles in MarylandSee more How much drivers pay for car insurance in MarylandIn Maryland, the average cost of full-coverage car insurance is $2,273 per year or $189 per month. Your premium may be higher or lower depending on your chosen coverage limits.Below, you’ll find estimated costs for different coverage levels in Maryland, but keep in mind that your final rate will vary based on your own personal factors like your vehicle and driving record.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,273$189Liability Only – 50/100/50 BI/PD$840$70State Minimum BI/PD$815$68Non-Owners$471$39Powered by:Car insurance costs in Maryland by cityCar insurance rates in Maryland vary significantly depending on the city you live in. Factors like traffic congestion, accident frequency, weather conditions and crime rates all influence how much drivers pay for coverage. For instance, drivers in Gwynn Oak pay $3,393 annually for full coverage, while those in Cordova pay closer to $1,749 per year.Top 20 cities with cheapest car insurance rates in MarylandCityAvg. Annual PremiumAvg. Monthly PremiumCordova$1,749$146St. Michaels$1,754$146Queenstown$1,760$147Grasonville$1,766$147Hurlock$1,785$149East New Market$1,796$150California$1,821$152Newcomb$1,845$154Wye Mills$1,848$154Chester$1,855$155Mardela Springs$1,863$155Secretary$1,884$157Bethesda$1,885$157Easton$1,891$158Queen Anne$1,892$158Frostburg$1,916$160Ocean Pines$1,921$160Fountainhead-Orchard Hills$1,922$160Halfway$1,922$160Maugansville$1,923$160Powered by:Top 20 cities with most expensive car insurance in rates MarylandCityAvg. Annual PremiumAvg. Monthly PremiumGwynn Oak$3,393$283Baltimore$3,322$277Capitol Heights$3,204$267Randallstown$3,202$267Windsor Mill$3,153$263Landover$3,116$260Hillcrest Heights$3,111$259Glassmanor$3,107$259Suitland$3,092$258Bladensburg$3,087$257Forestville$3,080$257Riverdale$3,052$254Mount Rainier$3,043$254Brentwood$2,980$248Owings Mills$2,961$247Langley Park$2,960$247Chillum$2,954$246Hyattsville$2,920$243Pikesville$2,894$241Fort Washington$2,845$237Powered by:Want to know what you’ll pay? Use the Maryland car insurance calculatorUse the Maryland car insurance calculator to get an estimate based on your location, vehicle make and model year. Enter your details to get a tailored estimate, but remember-final rates may differ, so it’s wise to compare quotes from different insurers to find the best deal. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2026 How much does used car insurance cost? Most and least expensive models to insure Car insurance calculator — how much should you be paying? 1/1 How 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/YearWashington, D.C.$3,394/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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