Cheap Car Insurance in Maryland 2019
Maryland car insurance premiums by company
| Erie Insurance | $1,721 |
|---|---|
| AAA Insurance/ Auto Club | $1,795 |
| The Hartford | $1,801 |
| USAA | $1,904 |
| Travelers Insurance | $1,912 |
| Farmers | $2,046 |
| State Farm | $2,050 |
| Allstate | $2,124 |
| Nationwide | $2,159 |
| Progressive | $2,224 |
| Esurance | $2,224 |
| Elephant Insurance | $2,262 |
| MetLife | $2,269 |
| Liberty Mutual | $2,322 |
Insurance increase after a speeding ticket
Maryland drivers who get a speeding ticket end up paying an average insurance increase of 12%, much lower than the national average increase.
| State | Clean driving record | Speeding ticket | % increase |
|---|---|---|---|
| Maryland | $2,068/year | $2,325/year | 12% |
| Nationwide average | 26% | ||
Insurance increase after an accident
Maryland drivers who cause an accident get an average insurance increase of 21%, much lower than the national average increase.
| State | Clean driving record | Chargeable accident, no injury | % increase |
|---|---|---|---|
| Maryland | $2,068/year | $2,505/year | 21% |
| Nationwide average | 36% | ||
Average car insurance premiums in Maryland cities
| City | Average yearly premium |
|---|---|
| Aberdeen | $1,998 |
| Annapolis | $1,710 |
| Baltimore | $2,388 |
| Bel Air | $1,902 |
| Bowie | $2,058 |
| Brooklyn | $2,032 |
| Capitol Heights | $2,381 |
| Catonsville | $1,897 |
| Clinton | $2,267 |
| Cockeysville | $2,074 |
| Columbia | $1,807 |
| District Heights | $2,248 |
| Dundalk | $2,186 |
| Edgewood | $2,054 |
| Elkton | $2,117 |
| Ellicott City | $1,807 |
| Essex | $2,240 |
| Fort Washington | $2,290 |
| Frederick | $1,701 |
| Gaithersburg | $1,858 |
| Germantown | $1,894 |
| Glen Burnie | $1,936 |
| Greenbelt | $2,156 |
| Gwynn Oak | $2,503 |
| Hagerstown | $1,730 |
| Halethorpe | $1,922 |
| Hyattsville | $2,130 |
| Lanham | $2,126 |
| Laurel | $1,907 |
| Middle River | $2,213 |
| Montgomery Village | $2,100 |
| Nottingham | $1,928 |
| Owings Mills | $2,248 |
| Oxon Hill | $2,253 |
| Parkville | $2,058 |
| Pasadena | $1,888 |
| Pikesville | $2,147 |
| Randallstown | $2,225 |
| Rockville | $1,647 |
| Rosedale | $3,330 |
| Salisbury | $1,929 |
| Silver Spring | $1,896 |
| Suitland | $2,339 |
| Temple Hills | $2,228 |
| Towson | $2,102 |
| Upper Marlboro | $2,183 |
| Waldorf | $2,069 |
| Westminster | $1,889 |
| Windsor Mill | $2,371 |
You must show an insurance ID card (or other proof of financial responsibility) in Maryland when:
- Law enforcement requests it
- Your vehicle is involved in a car accident
Penalties for not having car insurance
- Registration suspension and a fine of $150 for each vehicle without the required insurance for a period of one to 30 days.
- Beginning on the 31st day the fine will increase by $7 a day; the penalty may not exceed $2,500 for each violation in a 12-month period.
Source: Property Casualty Insurers Association of America
Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.
Updated Aug. 23, 2019