Car Insurance in Maryland

Average car insurance cost in Maryland

The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $869 for liability, $513 for collision and $220 for comprehensive ($1,602 combined, versus $1,439 nationally). That average expenditure is 15% higher than the NAIC's previous data year ($1,281).

Minimum car insurance requirements in Maryland

Maryland's minimum is written as 30/60/15: $30,000 per person / $60,000 per accident in bodily injury liability and $15,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $1,050 a year here, $295 more than the minimum.

Is Maryland a no-fault state?

No — Maryland is an at-fault (tort) state. Maryland is an at-fault state with add-on PIP: PIP pays your own initial injury costs regardless of fault, but you keep the right to sue the at-fault driver. Injured people can claim against the at-fault driver's insurer, use their own coverage, or sue.

No-fault vs. at-fault explained

Uninsured drivers in Maryland

The Insurance Research Council estimates 16.9% of Maryland drivers are uninsured — 14th highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 6 on the road. Maryland requires uninsured motorist coverage, which pays your injury costs when the at-fault driver has no insurance.

SR-22 requirements in Maryland

Drivers who must prove financial responsibility after a DUI, an uninsured crash or a serious violation file proof of insurance through their insurer. Confirm the exact form and how long it must be kept with the Maryland Insurance Administration or your state motor vehicle agency.

By our model, a driver in their 30s with a DUI would pay about $1,420 a year for minimum coverage in Maryland, versus $755 with a clean record. What is SR-22 insurance?

Car insurance by city in Maryland

We cover 8 Maryland cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Hagerstown ($1,830) and the highest in Bowie ($1,970).

Estimated cost by driver profile in Maryland

Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.7× what a driver in their 30s pays for the same full coverage in Maryland.

By coverage level

Cheapest and most expensive cars to insure in Maryland

Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $3,555 a year here.

Cheap car insurance in Maryland: how to lower your rate

• Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $105 a year on a typical Maryland full-coverage policy.
• Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $1,455 to $1,050.
• Drive less, pay less. Low-mileage and usage-based programs can save around $125 a year if you drive under 7,500 miles.
• Protect your record. A single speeding ticket adds roughly $390 a year in our model; an at-fault accident adds much more.
• Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
• Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.

Complaints and help: Maryland Insurance Administration

The Maryland Insurance Administration licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.

Website

insurance.maryland.gov

File a complaint

Consumer complaint page

Consumer helpline

1-800-492-6116

Homeowners insurance in Maryland →

Maryland vs. neighboring states