Home Home insurance Average home insurance cost Cheapest homeowners insurance in Maryland Cheapest homeowners insurance in Maryland Written by: Les Masterson Les Masterson Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics. | Reviewed by: Ashlee Tilford Ashlee Tilford Ashlee, a former managing editor, insurance, at QuinStreet, is a journalist and business professional. She earned an MBA in 2014 with a concentration in finance. She has more than 15 years of hands-on experience in the finance industry. | Updated on June 3, 2022 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Tracking down the cheapest homeowners insurance for you takes some digging and comparing quotes from multiple home insurance companies.Home insurance companies gauge risk differently from one another. One insurer may put more emphasis on one metric and not as much on another.That’s why getting quotes from at least three homeowners insurance companies is an essential part of shopping for the cheapest homeowners insurance in Maryland. We found that Nationwide has the lowest average home insurance rates in Maryland at $1,025 per year on average.Let’s take a look at homeowners insurance in Maryland and how to find the best home insurance rates.Key TakeawaysThe cheapest homeowners insurance for $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible in Maryland is offered by Nationwide at $1,025 per year.The homeowners insurance in Maryland is $787 less than the national average.The zipcode 20854 offers the cheapest homeowners insurance in Maryland at $1,144 per year.Cheap homeowners insurance companies in MarylandNationwide, Standard Fire Insurance and Travelers have the three cheapest Maryland homeowners insurance rates, on average. Here are average annual premium for homeowners insurance in Maryland for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible.CompanyAverage annual premiumAverage monthly premiumNationwide$1,025$85Standard Fire Insurance$1,064$89Travelers$1,064$89USAA$1,429$119Farmers$1,530$128Homesite Of The Midwest$1,609$134Erie Insurance$1,695$141Allstate$1,739$145State Farm$2,008$167Compare cheap homeowners insurance in Maryland by ratingsExperts at Insure.com compared the cheapest homeowners insurance companies in Maryland based on J.D. Power score and AM best rating. Among the carriers surveyed, USAA received the highest J.D. power score — 882 out of 1000.Find below the list of cheap homeowners insurance companies and J.D. Power score and AM Best rating.CompanyJ.D. Power scoreAM Best ratingUSAA882A++Erie Insurance835A+State Farm835A++Allstate829A+Farmers813ANationwide812A+Travelers800A++How much is home insurance in MarylandThe average homeowners insurance in Maryland is $1,518 for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.Beyond location, insurance providers also consider claims history for you, your home and the area; building costs; coverage level; and credit history.Filing multiple claims is one way to see much higher home insurance premiums.Average annual premiumAverage monthly premium$1,518$127Cheapest homeowners insurance in Maryland by ZIP codeHomeowners insurance costs vary in Maryland. Location, including ZIP code, is just one aspect of home insurance costs.Here are the average home insurance cost by city/ZIP codes in Maryland:ZIP codeAverage annual premiumAverage monthly premium20854$1,144$9520814$1,145$9520812$1,147$9621790$1,149$9620818$1,151$9620816$1,153$9620896$1,154$9620852$1,156$9620815$1,158$9620910$1,160$9721703$1,163$9720906$1,165$9721793$1,166$9721702$1,167$9721704$1,170$98 Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Maryland by cityBaltimoreBowieFrederickGaithersburgRockvilleHow much is home insurance in other statesAlaska$1,799/YearAlabama$2,981/YearArkansas$3,439/YearArizona$1,976/YearCalifornia$1,166/YearColorado$3,082/YearConnecticut$1,961/YearWashington D.C.$1,488/YearDelaware$1,521/YearFlorida$3,439/YearGeorgia$2,555/YearHawaii$499/YearIowa$2,540/YearIdaho$1,842/YearIllinois$2,201/YearIndiana$2,423/YearKansas$3,931/YearKentucky$2,862/YearLouisiana$3,270/YearMassachusetts$1,920/YearMaine$1,833/YearMichigan$2,153/YearMinnesota$3,010/YearMissouri$3,111/YearMississippi$3,340/YearMontana$2,809/YearNorth Carolina$2,009/YearNorth Dakota$2,601/YearNebraska$3,133/YearNew Hampshire$1,455/YearNew Jersey$1,744/YearNew Mexico$2,299/YearNevada$1,486/YearNew York$1,840/YearOhio$2,107/YearOklahoma$4,445/YearOregon$1,608/YearPennsylvania$1,720/YearRhode Island$2,125/YearSouth Carolina$2,678/YearSouth Dakota$3,172/YearTennessee$2,692/YearTexas$3,429/YearUtah$1,378/YearVirginia$1,956/YearVermont$1,212/YearWashington$1,514/YearWisconsin$1,732/YearWest Virginia$2,486/YearWyoming$2,083/YearShow moreLes MastersonContributor  . .Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics. In case you missed it What is HO-6 insurance? Average home insurance cost in 2023 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: 14 key questions answered Replacement cost policies for your home: Getting what you pay for How much do claims increase home insurance rates? Mobile home insurance: What does it cover and how much does it cost? Homeowners insurance basics Home Insurance Advisor The Best Cheap Homeowners Insurance of 2021: Guide How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home Insurance Discounts Guide to dog liability insurance: cost and coverage Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Personal liability insurance: What it is and why you need it By Barry Eitel Cost of living comparison by state By Chris Kissell How to find a homeowners insurance policy By Shivani Gite Home replacement cost calculator By Nupur Gambhir Renters insurance calculator: Estimate cost by state or city By Shivani Gite Mobile home insurance: What does it cover and how much does it cost? By Chris Kissell Table of contents Cheap homeowners insurance companies in Maryland Compare cheap homeowners insurance in Maryland by ratings How much is home insurance in Maryland Cheapest homeowners insurance in Maryland by ZIP code Get instant quotes now ! Please enter valid zip Get Quotes