Maryland homeowners insurance calculator

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The average annual cost of homeowners insurance in Maryland is $1,918, but what you pay will depend on factors like your home’s location, replacement cost, coverage limits, and deductible.

Our Maryland homeowners insurance calculator is a good starting point if you want a general sense of what insuring your home might cost. It shows how dwelling coverage, liability limits, and deductible choices influence your premium, and lets you compare rates across insurers and against the state average.

Whether you’re purchasing a home, revisiting your current policy, or looking for a better rate, the calculator helps set realistic expectations before you start collecting quotes.

How can I lower my homeowners insurance premium in Maryland?

Get quotes from more than one insurer – pricing for the same level of coverage can vary considerably from provider to provider.
Look at raising your deductible – a higher amount out of pocket in a claim generally results in a lower annual premium.
Combine your home and auto insurance with one provider to qualify for a multi-policy discount.
Consider installing safety features such as smoke alarms, deadbolt locks, or a monitored security system, which many insurers recognize with a discount.

How to use the Maryland home insurance calculator

Our home insurance calculator is designed to produce a quick cost estimate for homeowners in Maryland. Just enter a handful of details, and you’ll have a working figure to reference. Here’s what to input:

Select your state. Pick Maryland to surface rates relevant to your location.
Enter your dwelling coverage amount. Base this on what it would realistically cost to rebuild your home from the ground up.
Choose your liability limit. This is the protection that covers you if a visitor is injured on your property or you cause damage to someone else’s belongings.
Set your deductible. This is the portion of any claim you’d cover yourself before your policy takes over.

After entering your information, the calculator will show you:

The average annual homeowners insurance rate in Maryland
The highest and lowest rates in our dataset
A breakdown of insurers in Maryland and their typical annual premiums

It’s a straightforward way to get a sense of your likely costs and identify which insurers are worth pursuing for a formal quote.

Maryland home insurance calculator

See how the average annual home insurance rates vary with the options chosen.

State

Maryland

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Dwelling coverage

Liability coverage

Deductible

Standard ($2500)

Standard ($2500)Standard ($1000)$2,500 with 2% Hurricane deductible$1,000 with 2% Hurricane deductible

Average annual home insurance rates in
Maryland

$1,799 Average rate

Average rate

$1,799/Yr

Lowest rate

$1,064/Yr

Highest rate

$2,187/Yr

Rates by carriers in Maryland

Company	Average annual rate
State Farm	$1,064
Travelers	$1,432
Erie Insurance	$1,671
USAA	$1,695
American Family	$2,060
Chubb	$2,117
Nationwide	$2,165
Allstate	$2,187

Methodology

Insure.com commissioned Quadrant Information Systems to analyse home insurance rates from major insurers in the U.S. The analysis includes over 37 million quotes from 134 companies across more than 34,000 ZIP codes, using standardized coverage levels to calculate national averages. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value

Key Takeaways

The average homeowners insurance premium in Maryland is $1,918 per year, which is cheaper than the national average of $2,612.
Premiums vary depending on your home’s location, age, size, estimated rebuild cost, and the coverage limits you choose.
Floods, earthquakes, and similar climate-related events are not covered under a standard homeowners policy – residents in high-risk areas should look into separate coverage.
Because rates differ meaningfully between insurers, shopping around and comparing quotes is one of the most effective ways to reduce costs.

What affects your homeowners insurance premium?

Several variables influence what you’ll pay, including your home’s location, age and construction type, your claims history, and the coverage options you choose.

Dwelling coverage. The estimated cost to rebuild your home, accounting for its size, materials, and local construction rates.
Liability coverage. Covers you financially if someone is hurt on your property or you cause accidental damage to another person’s property.
Deductible. What you contribute before your insurance pays out. A higher deductible lowers your premium, but increases your upfront costs when a claim arises.

Check your credit score

In some states, insurers use a credit-based insurance score as one of their pricing factors – and it can have a meaningful effect on your premium. Depending on where you live, keeping your credit in good shape by paying bills on time and managing debt levels can work in your favor when it comes to renewal time.

How does dwelling coverage affect homeowners insurance in Maryland?

Dwelling coverage is what funds the repair or rebuilding of your home after a covered loss. The coverage amount you select has a direct bearing on your premium – higher coverage generally means higher costs. That said, it’s important to choose an amount that would genuinely cover a full rebuild, so you’re not left short if a major loss occurs.

The table below shows average annual and monthly premiums at various dwelling coverage levels.

Dwelling coverage	Average annual rate	Average monthly rate
$200,000	$1,487	$124
$300,000	$1,918	$160
$400,000	$2,355	$196
$600,000	$3,210	$267
$1,000,000	$4,444	$370

Average cost of homeowners insurance in Maryland

The average cost of homeowners insurance in Maryland is $1,918 per year – cheaper than the national average of $2,612.

That estimate is based on a standard policy with:

$300,000 in dwelling coverage
$300,000 in liability protection
$1,000 deductible

But remember – how much you actually pay could be higher or lower. Things like where your home is located, its age and size, and how much it would cost to rebuild all play a big role in what you’ll actually pay.

Average cost of home insurance in major Maryland cities

Homeowners insurance costs in Maryland can look very different depending on where you live. Homeowners in Rockville pay some of the lowest rates in the state, while those in Baltimore pay some of the highest.

The table below highlights the average annual rates in major cities across Maryland.

City	Average annual rate	Average monthly rate
Annapolis	$1,797	$150
Baltimore	$2,164	$180
Bowie	$1,993	$166
College Park	$1,886	$157
Frederick	$1,708	$142
Gaithersburg	$1,629	$136
Hagerstown	$1,696	$141
Laurel	$1,832	$153
Rockville	$1,609	$134
Salisbury	$2,151	$179

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 city

See rates in your city

How do natural disasters affect homeowners insurance rates in Maryland?

The natural hazard risk associated with your home’s location is a key factor in how insurers price your policy. Homes in areas with frequent flooding, wildfire activity, hurricanes, or tornadoes are considered higher risk and typically come with higher premiums as a result.

What’s equally important to understand is that standard home insurance policies don’t cover these events. Depending on where you live in Maryland, you may need to purchase separate policies or endorsements for:

Flooding
Wildfires
Hurricanes
Tornadoes

The added cost of this coverage is real, but so is the financial exposure of going without it after a serious disaster.

What is a hurricane deductible, and how does it impact home insurance rates in Maryland?

A hurricane deductible is a policy-specific deductible that applies only to losses caused by hurricanes, separate from your standard deductible. Rather than a fixed dollar amount, it’s expressed as a percentage of your dwelling coverage – commonly up to 10%.

The table below shows average rates with and without a 2% hurricane deductible. If your policy doesn’t include hurricane coverage and you’re in a high-risk coastal area, any hurricane-related damage would fall entirely outside your coverage. Taking the time to read through your policy details carefully is the best way to confirm you have the protection your location requires.

Average rates with hurricane deductible	Average rates w/o hurricane deductible
$1,918	$2,035

What our expert says

Q: What additional coverage should homeowners buy?

Amy BachExecutive Director of United Policyholders

“For those who live near any body of water or at the base of a hill, get a quote for flood insurance.”

Frequently asked questions

What is the average cost of homeowners insurance in Maryland?

Homeowners in Maryland pay an average of $1,918 per year. Your actual rate will depend on your home’s location, age, construction, replacement cost, and the coverage limits and deductible you choose.

How much homeowners insurance coverage do I need in Maryland?

Your dwelling coverage should be enough to fully rebuild your home after a total loss. For liability, choose a limit that covers your assets in case you’re held responsible for someone’s injuries or property damage. If you own valuable property or have significant savings, higher limits and endorsements are worth considering.

Does increasing my deductible lower homeowners insurance costs?

Yes – a higher deductible means a lower premium, since you’re taking on more of the upfront cost before coverage kicks in. Just make sure the deductible you choose is an amount you can realistically afford to pay if you need to file a claim.

Methodology

Insure.com sourced homeowners insurance rates from Quadrant Data Services in late 2025, based on policies with dwelling coverage between $200,000 and $1 million and liability coverage of $100,000 and $300,000. All sample rates used a $1,000 deductible, with a 2% hurricane deductible applied where relevant.

Calculate home insurance premium in other states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.