Low-cost car insurance in Maryland

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In Maryland, GEICO offers the cheapest average premium at $1,545 per year. For comparison, the statewide average monthly cost is $189, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Maryland, the minimum liability requirement is $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $15,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver 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

GEICO offers the lowest car insurance rates in Maryland, with an average annual premium of $1,545 per year. It’s $728 less expensive than the average car insurance cost in Maryland. Your actual rate 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 from low-cost car insurance companies..

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 the 21625 ZIP code pay the lowest average annual premium in Maryland, at $1,749. See which other areas of the state offer more affordable rates below.

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

Teen drivers in Maryland pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $6,356 more than a 40-year-old driver in Maryland.

The table below shows low-cost car insurance rates for drivers of different ages.

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

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper 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

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. GEICO is the lowest-cost option for these drivers, with an average annual premium of $2,337.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

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 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.

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

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

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

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

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

When 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.

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.