Cheap Car Insurance in Maryland 2019

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Finding cheap Maryland car insurance

Looking for cheap Maryland car insurance? We've analyzed average insurance premiums reported by EverQuote users so you can see how prices compare for Maryland drivers. (See methodology at the bottom of the page.)

Sections:

  Maryland insurance vs. the U.S. average
  Average Maryland insurance premiums by company
  Insurance increases after a speeding ticket
  Insurance increases after an accident
  Average premiums for Maryland cities
  Find cheap Maryland auto insurance

Maryland insurance vs. the U.S. average

Average insurance premiums paid by Maryland drivers with good records are higher than the national average:

  • $2,068/year Maryland average.
  • $1,684/year national average.

Maryland 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

Insurance increases in Maryland 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 Annual premium with clean driving record Annual premium with speeding ticket % increase
Maryland $2,068 $2,325 12%
Nationwide average 26%

Insurance increases in Maryland after an accident

Maryland drivers who cause an accident get an average insurance increase of 21%, much lower than the national average increase.

State Annual premium with clean driving record Annual premium with an chargeable accident, no injury % increase
Maryland $2,068 $2,505 21%
Nationwide average 36%

Average 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

Find cheaper Maryland auto insurance

  • Compare car insurance quotes from multiple insurance companies so that you can see how prices compare. The cheapest company for a family member or friend may not be the cheapest company for you.
  • Keep a clean driving record. Try to avoid accidents, tickets for moving violations and insurance claims.
  • Ask your insurance agent to review the available auto insurance discounts.
  • Increase the deductible on comprehensive and collision coverage, if you buy them.
  • Buy renters or home insurance from your auto insurance company in order to get a "bundling" discount.

Minimum car insurance in Maryland

Compared to most other states, Maryland requires drivers to buy a lot of types of car insurance: Liability, uninsured/underinsured motorist coverage and personal injury protection (called PIP). For comparison, many states require only liability insurance and make other types optional.

Liability car insurance reimburses others for damage and injuries if you cause a car accident.

Minimum liability insurance in Maryland:

  • $30,000 bodily injury per person
  • $60,000 bodily injury per accident
  • $15,000 property damage per accident

This is usually written as 30/60/15.

Minimum uninsured/underinsured motorist (UM/UIM) coverage:

  • Maryland requires UM/UIM coverage. This pays for your injuries if you're hit by a driver with little or no liability insurance. You must buy limits of at least $30,000 per person/$60,000 per accident (30/60).
  • Maryland also requires at least $15,000 in uninsured motorist property damage coverage (UMPD). This is similar to UM but covers damage to your vehicle rather than injuries.

Required personal injury protection (PIP):

Maryland also requires PIP. This insurance pays for medical, hospital and disability benefits, up to $2,500 in Maryland. It can pay out no matter who caused the accident. PIP can also cover lost wages if you can't work. To complicate matters, there are two forms of PIP to choose from in Maryland:

  • Full PIP: Covers you, members of your family and non-family occupants of your vehicle.
  • Limited PIP: Excludes coverage for you and your family members who are age 16 and older. Limited PIP may be right for you if you have health insurance with good hospitalization benefits.


Optional auto insurance

Medical payments (MedPay) coverage: MedPay is similar to PIP. It covers your injuries no matter who caused the accident, but it doesn't cover lost wages like PIP does. If you have both PIP and MedPay in Maryland, MedPay is supplemental to PIP, meaning PIP pays out first.

Comprehensive coverage: For theft of your vehicle or damage caused by hitting an animal, hail, flood, fire, vandalism, falling objects and explosions.

Collision coverage: For damage to your vehicle caused by hitting another car or an object, like a pole.

Rental reimbursement: Covers a rental car if your vehicle is being repaired because of an accident.

   More: Cheap car insurance in Maryland

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

Car insurance complaints 

Each state's department of insurance handles complaints against insurers and supplies data to the National Association of Insurance Commissioners. A "complaint ratio" shows the number of complaints relative to an insurer's size of business. Shown below are national complaint ratios for the largest car insurance companies in Maryland.


Auto insurance complaints in Maryland

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 Feb. 27, 2019

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