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USAA provides the cheapest full coverage car insurance in Maryland at about $863 a year. (USAA offers car insurance only to members of the military, veterans and their immediate families.) Your specific rates may vary, but the average full coverage car insurance premium in Maryland is $137 per month, according to Insure.com’s 2022 rate analysis.

Car insurance is a legal requirement in most states, and Maryland is no exception. Maryland drivers are required to carry at least the minimum amount of liability coverage—$15,000 of personal property coverage per person, $30,000 for bodily injury per person and $60,000 for bodily injury per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

What is full coverage car insurance in Maryland?

Full coverage car insurance includes bodily injury and property damage liability coverage, as well as comprehensive and collision coverage, according to the Insurance Information Institute (III). Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions such as weather or theft.

If you lease or finance your car in Maryland, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage. Every state except New Hampshire and Virginia requires drivers to get liability coverage, while comprehensive and collision coverage are optional. However, in Virginia, you have to pay an uninsured motorist fee of $500.

Average full coverage car insurance cost in Maryland

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. Average cost of full coverage car insurance in Maryland is 2% less than the national average cost of full coverage insurance in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that every driver should carry 100/300/100 coverage limits.

Cheapest full coverage car insurance rate in Maryland by company

USAA offers the cheapest full coverage car insurance in Maryland an average of $863 per year. It’s 47% less expensive than the average full coverage car insurance cost in Maryland. The rates will vary based on factors such as your driving history, age, ZIP Code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates for car insurance from major insurance companies.

CompanyFull coverage insurance cost
USAA$863
Geico$1,154
Travelers$1,191
Nationwide$1,264
Erie Insurance$1,490
State Farm$1,646
Progressive$1,650
Kemper Insurance$1,654
Allstate$2,628
Farmers Insurance$2,858

Full coverage car insurance cost in Maryland by ZIP code

Full coverage car insurance premiums vary significantly by ZIP code. Insurance companies consider factors such as the crime rate in an area, the number of claims filed, types of claims filed to determine annual premiums. Below are the least and most expensive ZIP codes for full coverage car insurance.

Most expensive ZIP codes for car insurance in Maryland

Drivers living in the ZIP code 21216 pay the highest premiums at about $2,918 a year. ZIP codes with a higher number of car thefts or vandalism also tend to have higher car insurance rates.

Find below the most expensive ZIP codes for car insurance in Maryland.

ZIP codeFull coverage insurance cost
21216$2,918
21215$2,908
21213$2,879
21223$2,844
21217$2,791
21205$2,652
21218$2,629
21207$2,586
21239$2,546
21229$2,529

Least expensive ZIP codes for car insurance in Maryland

21742 ZIP code in Maryland has the cheapest full coverage auto insurance cost at an average price of $1,301 annually. Know the least expensive ZIP codes for car insurance in Maryland below.

ZIP codeFull coverage insurance cost
21742$1,301
21502$1,317
21740$1,331
21780$1,339
21767$1,352
21783$1,352
21795$1,356
21701$1,358
21788$1,360
21703$1,362

Maryland full coverage car insurance rate by age

Young drivers in Maryland tend to pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims on their insurance policy. A 16-year-old driver pays 330% more than a 40-year-old mature driver in Maryland, based on Insure.com’s analysis.

The table below shows full coverage car insurance rates for drivers of different ages:

Age groupFull coverage annual premiums
Teen drivers (age 16-19)$6,039
Young drivers (age 20-24)$3,253
Adult drivers (age 25-64)$1,693
Senior drivers (age 65+)$1,639

Read our Guide to car insurance for teens for more information

Car insurance rates in Maryland by driver history

Your driving history is one of the main factors insurers look at when considering insurance rates. If you are responsible for a car accident or get convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver and you are likely to get cheap full coverage car insurance.

Cheapest full coverage car insurance after a speeding ticket in Maryland

Getting a speeding ticket is never any fun. Not only will you have to pay a fine, but your insurance rates may go up. A single speeding ticket can increase your rates by 29% or $631 in Maryland, based on Insure.com data.

But if you’re looking for affordable coverage, below are some insurers that offer cheap full-coverage car insurance after a speeding ticket.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
USAA$1,107$1,31419%$207
Geico$1,473$1,90730%$434
Erie$2,009$2,1005%$92
Travelers$1,537$2,27948%$742
Progressive$2,058$2,58626%$528
State Farm$2,407$2,64310%$236
Nationwide$1,863$2,70245%$839
Kemper$2,147$3,31955%$1,172
Farmers$3,833$4,80125%$968
Allstate$3,744$5,02834%$1,284

Cheapest full coverage car insurance after an accident in Maryland

No one plans on getting into a car accident, but unfortunately, they happen. If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find the best rates.

USAA offers the cheapest car insurance rates to drivers after an at-fault accident, at about $1845 a year. (USAA offers car insurance only to members of the military, veterans and their immediate families.) Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
USAA$1,107$1,84567%$738
Geico$1,473$2,18448%$711
Travelers$1,537$2,22945%$692
Erie$2,009$2,58829%$579
State Farm$2,407$2,99725%$590
Progressive$2,058$3,14553%$1,087
Nationwide$1,863$3,40383%$1,540
Kemper$2,147$4,23797%$2,090
Farmers$3,833$5,89154%$2,058
Allstate$3,744$6,03461%$2,289

Cheapest full coverage car insurance after a DUI conviction in Maryland

If you’ve recently been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.

The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
Geico$1,473$1,80423%$332
Erie$2,009$2,1005%$92
Travelers$1,537$2,44759%$910
State Farm$2,407$2,64310%$236
Progressive$2,058$2,91442%$856
USAA$1,107$2,929165%$1,822
Nationwide$1,863$4,277130%$2,414
Allstate$3,744$4,87230%$1,127
Kemper$2,147$4,986132%$2,839
Farmers$3,833$9,412146%$5,579

When it comes to car insurance, everyone is always looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you dearly down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy.

Source:

Methodology

Insure.com gathered the quotes with the help of Quadrant Information Institute. We collected full coverage car insurance rates from major insurance companies for multiple ZIP codes across Maryland.

The full coverage rates are based on a sample driver profile of a 40-year-old man with a driving record and good credit score.

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Nupur Gambhir
Managing Editor

 
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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.