Cheap Car Insurance in Maryland (2022)

The cheapest car insurance companies in Maryland: USAA, $51 a month; Erie, $57 a month; and State Farm, $79 a month.

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USAA and Erie Insurance offer the cheapest auto insurance in Maryland, charging $51 and $57 a month, respectively, for a minimum-coverage policy. State Farm offers the lowest rates among mainstream national companies serving the state. Here’s the information you need to find cheap car insurance in Maryland.

In this article

Who offers the cheapest car insurance in Maryland?

In our in-depth rate analysis, we found the cheapest car insurance quotes from USAA and Erie for a wide variety of Maryland drivers, including teens, seniors and those with prior incidents on their driving record.

USAA is only available to current and former members of the military and their families, but we have included the organization to accommodate Maryland's military households.

Auto insurance companies evaluate several factors to determine your rate, including your driving history and credit, the characteristics of your vehicle and the location of your home.

Since each company weighs these factors differently and offers different discounts, you may qualify for a considerably lower rate with one than you do with others. This is why it’s best to compare quotes from multiple companies when you shop. 

Cheapest minimum-coverage car insurance

USAA offers the cheapest minimum-coverage car insurance to a typical Maryland driver, charging an average $611 a year, or $51 a month. The next-best rates are available from Erie, $57 a month, and State Farm, $79 a month.

The average cost of minimum-coverage car insurance in Maryland is $108 a month.

Cheapest minimum-coverage car insurance
Company Annual Monthly
USAA $611 $51
Erie $684 $57
State Farm $946 $79
State average $1,293 $108
Allstate $1,402 $117
Nationwide $1,954 $163
Progressive $2,161 $180
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

A minimum-coverage auto policy meets Maryland’s 30/60/15 minimum insurance requirements, which include the following coverages and limits:

  • Bodily injury liability: $30,000 per person/$60,000 per accident
  • Property damage liability: $15,000 per accident
  • Uninsured motorist bodily injury: $30,000 per person/$60,000 per accident
  • Uninsured motorist property damage: $15,000 per accident

Find cheap Maryland auto insurance

Cheapest full-coverage car insurance in Maryland

USAA offers the cheapest full-coverage car insurance for a typical Maryland driver, charging $97 a month. The next-best rates are available from Erie, $114 a month, and State Farm, $133 a month.

The average cost of full-coverage car insurance in Maryland is $184 a month.

Cheapest full-coverage car insurance
Company Annual Monthly
USAA $1,159 $97
Erie $1,370 $114
State Farm $1,599 $133
State average $2,211 $184
Allstate $2,601 $217
Progressive $3,178 $265
Nationwide $3,358 $280
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for Maryland drivers with an accident history

Erie offers the cheapest car insurance to Maryland drivers with an accident history, charging $150 a month for full coverage. The next-lowest rates are available from USAA, $159 a month, and State Farm, $167 a month.

In Maryland, an accident increases the average price of full-coverage car insurance by 51%, to $277 a month.

Cheapest car insurance for drivers with an accident history
Company Annual Monthly
Erie $1,795 $150
USAA $1,903 $159
State Farm $2,009 $167
State average $3,321 $277
Allstate $4,336 $361
Progressive $4,692 $391
Nationwide $5,188 $432
Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for Maryland drivers with a DUI

Erie offers the cheapest car insurance to Maryland drivers with a DUI, charging $120 a month for full coverage. The next-best rates are available from State Farm, $147 a month, and Allstate, $226 a month.

A DUI raises the average price of full-coverage car insurance in Maryland by 28%, to $236 a month.

Cheapest car insurance for drivers with a DUI
Company Annual Monthly
Erie $1,435 $120
State Farm $1,763 $147
Allstate $2,710 $226
State average $2,832 $236
USAA $3,099 $258
Nationwide $3,883 $324
Progressive $4,099 $342
Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for Maryland drivers with a speeding ticket

USAA offers the cheapest car insurance to Maryland drivers with a speeding ticket, $115 a month for full coverage, followed by Erie, $120 a month, and State Farm, $147 a month.

A speeding ticket raises the average price of full-coverage car insurance in Maryland by 18%, to $218 a month.

Cheapest car insurance for drivers with a speeding ticket
Company Annual Monthly
USAA $1,377 $115
Erie $1,435 $120
State Farm $1,763 $147
State average $2,615 $218
Allstate $3,137 $261
Progressive $3,856 $321
Nationwide $4,124 $344
Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for Maryland teens

Erie and USAA offer the cheapest rates on car insurance to Maryland teens for full and minimum coverage, and to those with certain prior incidents on their driving record.

Erie charges 18-year-olds an average $141 a month for minimum coverage and $285 a month for full coverage. The next-best rates are available from USAA, which charges $151 a month for minimum coverage and $293 a month for full coverage.

Cheapest minimum-coverage car insurance for 18-year-olds
Company Annual Monthly
Erie $1,687 $141
USAA $1,810 $151
State Farm $2,836 $236
State average $4,124 $344
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Cheapest full-coverage car insurance for 18-year-olds
Full coverage Annual Monthly
USAA $3,420 $285
Erie $3,512 $293
State Farm $5,004 $417
State average $7,478 $623
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Cheapest car insurance for 18-year-olds with an accident history
Company Annual Monthly
Erie $4,695 $391
USAA $4,890 $408
State Farm $6,341 $528
State average $9,147 $762
Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Cheapest car insurance for 18-year-olds with a DUI
Company Annual Monthly
Erie $4,321 $360
State Farm $5,539 $462
USAA $6,037 $503
State average $8,305 $692
Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Cheapest car insurance for 18-year-olds with a speeding ticket
Company Annual Monthly
USAA $3,927 $327
Erie $4,321 $360
State Farm $5,539 $462
State average $8,378 $698
Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

In general, insurance companies charge teens high rates, because teens have the highest crash rate among all age groups.

Teens can often save by being added to the policy of a parent or guardian. Doing so often enables the teen to benefit from discounts the parent or guardian may receive.

Many insurance companies also offer discounts to teens who maintain a B average or better in school or complete an approved driver education course.

Cheapest car insurance for Maryland seniors

USAA and Erie offer the cheapest car insurance to Maryland seniors.

Erie and USAA both charge 65-year-olds $56 a month for minimum-coverage car insurance. For full coverage, USAA charges $102 a month, while Erie charges $112 a month.

Cheapest minimum-coverage car insurance for 65-year-olds
Company Annual Monthly
USAA $671 $56
Erie $672 $56
State Farm $1,023 $85
State average $1,445 $120
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Cheapest full-coverage car insurance for 65-year-olds
Company Annual Monthly
USAA $1,221 $102
Erie $1,344 $112
State Farm $1,688 $141
State average $2,403 $200
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Cheapest car insurance for 65-year-olds with an accident history
Company Annual Monthly
Erie $1,780 $148
State Farm $2,129 $177
USAA $2,335 $195
State average $3,750 $313
Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Cheapest car insurance for 65-year-olds with a DUI
Company Annual Monthly
Erie $1,408 $117
State Farm $1,864 $155
State average $3,124 $260
Allstate $3,153 $263
Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Cheapest car insurance for 65-year-olds with a speeding ticket
Speeding Annual Monthly
Erie $1,408 $117
USAA $1,452 $121
State Farm $1,864 $155
State average $2,886 $241
Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Seniors have slightly higher crash rates than middle-aged drivers, and this is why you may see your insurance rates increase in your retirement years.

For example, the average price of full-coverage car insurance for a 65-year-old with a clean driving record in Maryland is $200 a month, which is 18% higher than the average rate for a 50-year-old.

Some insurance companies offer discounts to seniors who complete approved mature driver safety classes.

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Average price of car insurance in Maryland’s largest cities

Among Maryland’s largest cities, car insurance rates vary from $70 a month for minimum coverage in Frederick to $134 a month in Baltimore.

In general, car insurance tends to cost more in densely populated cities, where the frequency and costs of claims are higher, than it does in smaller towns and rural areas.

Minimum-coverage car insurance rates in Maryland’s largest cities
City Annual Monthly
Baltimore $1,607 $134
Bethesda $956 $80
Columbia $1,078 $90
Ellicott City $1,073 $89
Frederick $839 $70
Gaithersburg $1,050 $88
Germantown $1,036 $86
Glen Burnie $1,124 $94
Silver Spring $1,176 $98
Waldorf $1,059 $88
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

How do Maryland’s auto insurance laws and regulations work?

If you’re new to Maryland or car insurance, you should know about the state's contributory negligence laws, personal injury protection requirements and available auto coverages.

Maryland’s contributory negligence laws

Under Maryland’s contributory negligence laws, a driver who causes an accident is financially responsible for injuries or damage to others, unless the other driver is partially responsible for the accident. 

For example, if a driver making an unsafe lane change collides with you while you are complying with all traffic laws, the other driver would normally have to cover your car repairs.

However, if the driver making the unsafe lane change collides with you while you are speeding, your contributory negligence may absolve them of any financial responsibility for your repairs.

Maryland’s personal injury protection requirements

Maryland requires insurance companies to offer personal injury protection (PIP), but you can decline the coverage.

PIP pays to treat injuries you and/or your passengers suffer in a car accident, regardless of fault. It also covers lost wages and extends to any pedestrians you may injure in an accident.

Common auto insurance coverages available in Maryland

Here’s a look at the most common car insurance coverages available in Maryland and how they work.

Maryland car insurance coverages and benefits
Coverage What it pays for
Bodily injury liability: required, at least $30,000 per person/$60,000 per accident Medical bills of others injured in a car accident you cause.
Property damage liability; required, at least $15,000 per accident Repairing or replacing vehicles or other property damaged in an accident you cause.
Uninsured motorist bodily injury: required, at least $30,000 per person/$60,000 per accident Medical treatment if you and your passengers are injured in a crash caused by an uninsured motorist.
Uninsured motorist property damage: required, at least $15,000 per accident Car repairs if your vehicle is damaged in a crash caused by an uninsured motorist. Also covers hit-and-run damage.
Personal injury protection (PIP): must be offered with a $2,500 limit, can be declined Medical treatment and lost wages if you and/or your passengers or pedestrians are injured in a car accident, regardless of fault.
Medical payments: optional Medical treatment if you and/or your passengers are injured in a car accident, regardless of fault. Usually kicks in after PIP benefits are exhausted.
Collision: optional, but usually required for a car loan or lease Damage to your vehicle after a collision with another vehicle or object.
Comprehensive: optional, but usually required for a car loan or lease Damage to your vehicle from falling objects, fire, vandalism or any cause other than a collision. Also covers theft.
Source: Maryland Insurance Administration

If your costs from an accident exceed your policy’s limits, you may have to tap into your savings or other assets to cover the difference. This is the main reason to consider coverages or limits that exceed the state’s minimum requirements.

Frequently asked questions about Maryland car insurance

Is Maryland a no-fault insurance state?

No-fault insurance, better known as personal injury protection (PIP), is available on an optional basis in Maryland. PIP covers medical treatment and lost wages if you or your passengers are injured in a car accident, regardless of fault. If you are found to be 100% at fault for an accident, you are financially responsible for injuries or damage to others.

Does Maryland accept electronic proof of insurance?

Yes, an electronic version of a proof-of-insurance document issued by your insurance company, such as one you can download to a smartphone or other portable device, satisfies Maryland’s proof-of-insurance requirements.

Who has the cheapest auto insurance in Maryland?

USAA and Erie offer the cheapest auto insurance in Maryland. USAA charges an average $97 a month for a full-coverage policy for a typical driver with a clean driving record, while Erie charges $114 a month.

Methodology

For our analysis of Maryland auto insurance rates, we reviewed thousands of quotes from Quadrant Information Services for policies from the state’s leading insurance companies.

Unless otherwise noted, a typical driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average of 13,500 miles a year.

Minimum-coverage car insurance policies used in our analysis satisfy Maryland’s 30/60/15 requirements for liability and uninsured motorist coverage.

Full-coverage policies meet the minimum uninsured motorist requirements and have the following limits and deductibles for liability, collision and comprehensive coverages:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 deductible for collision coverage
  • $500 deductible for comprehensive coverage

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