Home Car insurance Car insurance rates by state Low-cost car insurance in Maryland Low-cost car insurance in Maryland Based on our analysis, GEICO has the most affordable car insurance rates in Maryland. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 23, 2025 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. GEICO provides the lowest car insurance rates in Maryland at $1,262 a year. The average premium is $145 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 has the lowest average car insurance premium in Maryland, costing $1,262 per year. That’s 28% the state average.For drivers with an at-fault accident on record, GEICO offers the most affordable coverage at around $1,909 annually.The 21767 ZIP code stands out as the cheapest area for auto insurance in Maryland, with an average yearly cost of $1,428. Low-cost car insurance businesses in MarylandWhen comparing insurers in Maryland, GEICO leads the pack with an annual average of $1,262. That’s 28% less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.Here are the annual averages from the most affordable insurance companies in Maryland.CompanyAverage annual ratesGEICO$1,262Nationwide$1,363Travelers$1,523Kemper$1,603Erie Insurance$1,685Progressive$1,895Penn National Insurance$1,911State Farm$2,177Allstate$3,108USAA*$1,043*USAA is only available to military community members and their families.Powered by:How we choose low-cost car insurance companies in Maryland 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined ZIP codes with the cheapest car insurance in MarylandDrivers in 21767 benefit from the lowest average premium in the state, at $1,428 per year. See the table below to find other ZIP codes in Maryland where insurance tends to be cheaper.ZIP codeCityAverage annual rates21767Maugansville$1,42821795Halfway$1,42921532Frostburg$1,43021601Easton$1,43421545Mount Savage$1,43421742Fountainhead-Orchard Hills$1,43721783Smithsburg$1,43921502Cumberland$1,44221733Fairplay$1,44621722Clear Spring$1,449Powered by: You might find interesting 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 MarylandMaryland car insurance calculatorNon-owner auto insurance in Maryland: Which company has the cheapest rates?The best, cheapest car insurance in MarylandBest and cheapest companies for home and auto bundles in MarylandShow more 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 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 Low-cost car insurance in Maryland by ageTeenagers pay significantly more for car insurance than adults in Maryland. For instance, a 16-year-old driver pays $4,894 more on average than a 40-year-old.The following table shows car insurance rates by age group in Maryland.Age groupFull coverage annual premiumsTeens (16-19)$5,359Young Adults (20-24)$3,000Adults (25-60)$1,750Seniors (65-75)$1,803Powered by:Low-cost car insurance in Maryland by driver historyYour 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 MarylandA single speeding ticket in Maryland can push your rates up by 38%, or about $658. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseGEICO$1,262$1,56824%$306Erie Insurance$1,685$1,93715%$252Nationwide$1,363$1,97145%$608Progressive$1,895$2,24619%$351Travelers$1,523$2,32753%$804State Farm$2,177$2,3357%$158Kemper$1,603$2,59162%$988Allstate$3,108$4,19735%$1,089USAA*$1,043$1,24519%$202*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after an accident in MarylandAfter an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. GEICO has the lowest average rate at $1,909 per year.If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Maryland with the most affordable rates for drivers with an accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseGEICO$1,262$1,90951%$647Travelers$1,523$2,24447%$721Erie Insurance$1,685$2,37841%$693Nationwide$1,363$2,39476%$1,031State Farm$2,177$2,63421%$457Progressive$1,895$2,78847%$893Kemper$1,603$3,363110%$1,760Allstate$3,108$5,03562%$1,927USAA*$1,043$1,74367%$700*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after a DUI in Maryland]A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Maryland keep their premiums lower than others. The table below shows the most affordable options available after a DUI.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseGEICO$1,262$1,547$28523%Erie Insurance$1,685$1,937$25215%State Farm$2,177$2,335$1587%Travelers$1,523$2,441$91860%Progressive$1,895$2,514$61933%Nationwide$1,363$3,257$1,894139%Allstate$3,108$4,058$95031%Kemper$1,603$4,356$2,753172%USAA*$1,043$2,783$1,740167%*USAA is only available to military community members and their families.Powered by:Average cost of car insurance MarylandWhile 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 $149 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 protectedWhen it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage in Maryland.MethodologyInsure.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 applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. 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.Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow more In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2025? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? How does mileage affect car insurance rates in 2025? What to do after a car accident that’s not your fault How to keep your totaled car Most expensive and cheapest SUVs to insure in 2026 Average cost of gap insurance in 2026 Is $200 a month a lot for car insurance? Blood alcohol content (BAC) calculator Can I insure a car that isn’t in my name? What to know about six-month car insurance How much does car insurance cost a month in 2025? How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Low-cost car insurance businesses in MarylandHow we choose low-cost car insurance companies in MarylandZIP codes with the cheapest car insurance in MarylandLow-cost car insurance in Maryland by ageLow-cost car insurance in Maryland by driver historyAverage cost of car insurance MarylandWhat is full coverage car insurance?The bottom line on saving and staying protectedMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330