Cheap Car Insurance in Maryland 2019

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Maryland cheapest car insurance companies

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

Geico

$2,036

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


Maryland average car insurance premiums

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


Maryland required car insurance

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

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