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Because Maryland is one of the more expensive states for auto insurance in the U.S., it can be challenging for drivers in the state to find affordable coverage. Our team of experts has done the research for you to identify the best car insurance in Maryland.

Our team took a close look at the cost, coverage, reliability, and service of several leading providers in the state of Maryland. USAA, Erie Insurance, and Progressive stood out as the top choices for Maryland drivers. We recommend comparing car insurance quotes from several top providers to find the best coverage for your situation.

Cheap Car Insurance In Maryland

According to our rate estimates, Maryland drivers can generally find the cheapest car insurance with USAA, Progressive, and Erie. We list the most affordable car insurance providers on average for the state below.

Auto Insurance ProviderEstimated Annual Cost
USAA$845
Progressive$1,474
Erie Insurance$1,546
Travelers$1,684
State Farm$1,690
Nationwide$1,699
Geico$1,743

How Much Is Auto Insurance In Maryland?

The average cost of full coverage car insurance in Maryland is $1,970 per year. Compared to the national average of $1,732 per year, Maryland drivers pay about 14 percent more for coverage annually. According to the National Association of Insurance Commissioners (NAIC), Maryland was the 12th-most expensive state for insuring a vehicle in 2018.

Although the average cost of auto insurance in Maryland is above the national average, the amount you pay will vary due to a number of personalized factors, including:

  • Age: Young drivers are considered high risk due to their lack of experience on the road, which leads to higher rates.
  • Gender: Men tend to pay more for car insurance than women.
  • Marital status: Most married drivers pay less for coverage on average and have more access to family or bundling discounts.
  • Driving record: Speeding tickets, reported accidents, and DUIs can harm your chances of getting cheap car insurance rates. Those with clean driving records save the most money on coverage.
  • Credit score: In most states, drivers with poor credit scores pay significantly more for auto insurance coverage than those with good credit scores.
  • Coverage level: Full coverage car insurance policies cost more than state minimum liability coverage.

Cheapest Maryland Car Insurance: Young Drivers

In general, insuring a young driver tends to be more expensive due to their lack of experience. Our review team found that insuring a 24-year-old is nearly 20 percent more expensive than insuring a 35-year-old on average.

Auto Insurance ProviderEstimated Annual Cost
USAA$1,051
Erie Insurance$1,949
Travelers$2,020
Geico$2,063
State Farm$2,306

Cheapest Maryland Car Insurance: Speeding Tickets

A speeding ticket can dramatically increase the cost of an auto insurance policy. Our review team found that auto insurance rates can increase by over 15 percent for those with a speeding ticket on their driving record.

Auto Insurance ProviderEstimated Annual Cost
USAA$997
Erie Insurance$1,618
State Farm$1,859
Progressive$1,902
Geico$2,058

Cheapest Maryland Car Insurance: Recent Accidents

Car insurance rates are much higher than average for Maryland drivers who have been in a car accident. Our review team found that policyholders who have been involved in an accident pay around 37 percent more than good drivers.

Auto Insurance ProviderEstimated Annual Cost
USAA$1,352
Erie Insurance$2,030
State Farm$2,112
Progressive$2,298
Travelers$2,413

Cheapest Maryland Car Insurance: Bad Credit

A poor credit score in the state of Maryland can severely affect the price of auto insurance coverage. Our team found that those with a driver’s license and a poor credit score pay about 42 percent more for the same car insurance coverage than those with a good credit score.

Auto Insurance ProviderEstimated Annual Cost
USAA$1,463
Progressive$2,166
Geico$2,257
Nationwide$2,566
Travelers$3,255

Top 5 Auto Insurance Companies In Maryland

Our review team researched and ranked the best car insurance companies in Maryland based on their cost, coverage options, customer service, and reliability. Whether you’re in Baltimore, Annapolis, or anywhere else in the state, we believe USAA is an excellent option for auto insurance coverage. Erie, Progressive, Geico, and State Farm are also smart choices for Maryland drivers.

Best Car Insurance in Maryland

Overall Rating

Cost Rating

Coverage Rating

1. USAA Car Insurance

5.0

5.0

4.5

2. Erie Car Insurance

4.0

4.0

4.0

3. Progressive Car Insurance

4.5

4.5

4.5

4. Geico Car Insurance

5.0

4.5

5.0

5. State Farm Car Insurance

4.5

4.5

4.0

*Our research team scores car insurance companies by taking nationwide factors into account. The order of insurers in this table is specific to auto insurance in Maryland.

#1 USAA

USAA, the fifth-largest auto insurer in the country, is our top choice for car insurance in Maryland. Our team also recognized the provider as Best for Military Members in our 2022 industry-wide review. While USAA coverage is only available to military members, veterans, and their families, it’s a great option for those who qualify.

USAA consistently offers some of the lowest average rates for many types of drivers. Maryland drivers can save even more with the provider’s great bundling discounts for auto, renters, and homeowners insurance, as well as discounts for families, students, and teen drivers. USAA was given an A++ financial strength rating from AM Best and an A+ rating from the Better Business Bureau (BBB).

For more information on this provider, check out our USAA insurance review.

#2 Erie Insurance

Erie Insurance has been providing quality car insurance coverage since 1925. It offers some of the best rates in the state on average, and it’s an especially great option for those looking to insure a young driver in the state of Maryland. In addition to its competitive pricing, the insurer is known for its comprehensive coverage options.

Erie holds a positive reputation within the insurance industry, with an A+ AM Best financial strength rating as well as an A+ BBB rating. The company also placed second in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠, with a score of 901 out of 1,000 possible points.

For in-depth information about this provider, read our Erie Insurance review.

#3 Progressive

Our review team ranked Progressive number one in the nation for high-risk drivers and recognized the company for offering the Best Usage-Based Insurance for 2022.

Additionally, Progressive was given an A+ financial strength rating from AM Best. This provider is available in all 50 states and offers accident forgiveness and gap insurance.

Read our Progressive insurance review to learn more about the insurer.

#4 Geico

Recognized as the Best Overall Provider in the nation by our review team, Geico is also one of our top recommendations for Maryland drivers. The company offers fairly competitive car insurance rates across the board, but it’s an especially great option for students and military members.

Geico received an A++ AM Best financial strength rating, which highlights its ability to reliably pay out claims. The company also holds an A+ rating from the BBB. Many customer reviews praise the company for its easy claims process, broad range of discounts, and DriveEasy® usage-based insurance program.

For in-depth information on this provider, including average cost data, read our Geico insurance review.

#5 State Farm

State Farm is a great option for car insurance coverage in Maryland, especially for student and teen drivers. Our review team recognized this provider as Best for Student Drivers in 2022 based on its low average rates for young drivers and its variety of savings opportunities for students in particular.

State Farm is the largest auto insurance company in the U.S., and it holds a positive reputation within the industry. The insurer holds an A++ financial strength rating from AM Best and many positive customer service reviews due to its network of local insurance agents.

Check out our State Farm insurance review to learn more about the provider.

Maryland Insurance Requirements

As is standard in most states, Maryland has state minimum coverage requirements that all drivers are required to meet. According to the Maryland Motor Vehicle Administration (MVA), the coverage requirements for Maryland include:

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

Personal injury protection (PIP) must be offered by insurance companies, but Maryland drivers have the option to waive coverage.

Is Maryland A No-Fault State?

No. Like the majority of states throughout the country, Maryland is an at-fault state. Simply put, the party who caused a car accident becomes financially responsible for any damage that occurred.

The at-fault driver’s insurance provider will handle the financial losses of the other party (or parties) involved in a collision up to policy limits. The at-fault process begins with the party who sustained injury or damages from a collision filing a claim with their insurance provider. Then, the insurance provider will file a claim against the at-fault driver’s provider.

How To Get Maryland Car Insurance Quotes

Following thorough research and review, our team found USAA to be the best choice for car insurance in Maryland. USAA’s extensive list of discounts and positive reviews paired with its offering of usage-based insurance separates this company from the competition. Erie, Progressive, Geico, and State Farm can also be smart choices for Maryland drivers.

To get started, we recommend getting online quotes to compare car insurance options. Most major providers offer online quotes, which is generally the most efficient way to figure out how much you’ll pay for coverage. You can also reach out to providers by phone or get car insurance quotes through an insurance agent or broker for a more personalized experience.

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Answer a few simple questions to save money on your policy

Frequently Asked Questions

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.