Low-cost car insurance in Maryland

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GEICO provides the lowest car insurance rates in Maryland at $1,545 a year. The average premium is $189 per month in Maryland, though your actual rate may vary.

Car insurance requirements differ by state. In Maryland, drivers are required to carry at least the minimum liability coverage: $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $15,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different categories.

Key Takeaways

GEICO offers the lowest car insurance rates in Maryland, at $1,545 per year, which is about $728 the state average.
GEICO has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $2,337.
The ZIP code 21625 has the low-cost car insurance rates in Maryland, at an average annual rate of $1,749.

Low-cost car insurance companies in Maryland

Among all insurers in Maryland, GEICO comes in lowest at $1,545 per year – $728 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Maryland.

Company	Average annual rates
GEICO	$1,545
Nationwide	$1,834
Erie Insurance	$1,906
Travelers	$1,957
State Farm	$2,415
Progressive	$2,588
Penn National Insurance	$3,129
Allstate	$4,019
USAA*	$1,311

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Maryland

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Maryland

Drivers in 21625 benefit from the lowest average premium in the state, at $1,749 per year. See the table below to find other ZIP codes in Maryland where insurance tends to be cheaper.

ZIP code	City	Average annual rates
21625	Cordova	$1,749
21663	St. Michaels	$1,754
21658	Queenstown	$1,760
21638	Grasonville	$1,766
21643	Hurlock	$1,785
21631	East New Market	$1,796
21666	Chester	$1,797
20619	California	$1,821
21653	Newcomb	$1,845
21679	Wye Mills	$1,848

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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 city

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Low-cost car insurance in Maryland by age

Young drivers often face the highest premiums. In Maryland, for example, a 16-year-old pays $6,356 more than a 40-year-old driver.

The table below shows how rates change by age group.

Age group	Full coverage annual premiums
Teens (16-19)	$7,227
Young Adults (20-24)	$3,876
Adults (25-60)	$2,257
Seniors (65-75)	$2,133

Low-cost car insurance in Maryland by driver history

Your driving record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.

Low-cost car insurance after a speeding ticket in Maryland

One speeding ticket in Maryland can cause your insurance rates to jump by 38%, or roughly $857 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
GEICO	$1,545	$1,920	24%	$374
Erie Insurance	$1,906	$2,192	15%	$286
State Farm	$2,415	$2,590	7%	$175
Nationwide	$1,834	$2,653	45%	$819
Travelers	$1,957	$2,990	53%	$1,033
Progressive	$2,588	$3,068	19%	$480
Allstate	$4,019	$5,427	35%	$1,408
USAA*	$1,311	$1,566	19%	$254

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Maryland

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. GEICO has the lowest average rate at $2,337 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Maryland with the most affordable rates for drivers with an accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
GEICO	$1,545	$2,337	51%	$792
Erie Insurance	$1,906	$2,691	41%	$784
Travelers	$1,957	$2,884	47%	$927
State Farm	$2,415	$2,922	21%	$506
Nationwide	$1,834	$3,222	76%	$1,388
Progressive	$2,588	$3,807	47%	$1,219
Allstate	$4,019	$6,512	62%	$2,493
USAA*	$1,311	$2,191	67%	$880

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Maryland

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Maryland are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
GEICO	$1,545	$1,894	$348	23%
Erie Insurance	$1,906	$2,192	$286	15%
State Farm	$2,415	$2,590	$175	7%
Travelers	$1,957	$3,136	$1,179	60%
Progressive	$2,588	$3,433	$845	33%
Nationwide	$1,834	$4,384	$2,550	139%
Allstate	$4,019	$5,248	$1,229	31%
USAA*	$1,311	$3,500	$2,189	167%

*USAA is only available to military community members and their families.

Average cost of car insurance Maryland

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

In Maryland, the average cost of full coverage is $240 less compared to the national average.

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Maryland, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in Maryland.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Maryland. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing 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.