Cheap Car Insurance in Maryland

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Finding cheap car insurance in Maryland

If you're on the hunt for cheap car insurance in Maryland, check out these premiums by company and city so you can see how rates compare. 

Because rates can vary considerably by company, it's important to compare prices if you're looking for cheap car insurance in Maryland. You can potentially save hundreds of dollars a year by comparison shopping. We looked at premiums reported by EverQuote users in Maryland for large insurance companies. The prices below reflect rates for one driver with a clean record and insuring one vehicle.

(Click to see reviews)
Average monthly premium
The Hartford $120
Erie Insurance $139
AAA Insurance $140
USAA $144
Geico $155
State Farm $161
Allstate $169
Nationwide $171
Esurance $174
Liberty Mutual $183
Elephant $186
Progressive $188
Source: EverQuote. See full methodology below.

The best way to find a good deal is to get quotes from multiple companies. Also keep in mind that the cheapest car insurance company in Maryland for you when you have a good driving record might not be the cheapest if you have tickets, accidents or claims.

Maryland car insurance rates after accidents & speeding tickets

Accidents, claims and tickets for moving violations can all lead to a rate increase at renewal time. We analyzed premiums reported by EverQuote users in Maryland who had an accident or speeding ticket on their records compared to those who didn't. Here are the average rate differences.

On driving record Average monthly premium difference vs. clean record in Maryland
Speeding ticket 23%
Accident 29%
Source: EverQuote. See full methodology below.

Just because you have a spotty driving record doesn't mean you can't potentially get a better price by shopping around.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much Maryland drivers are speeding and using their phones while driving.

Maryland car insurance rates by city

We also analyzed Maryland car insurance rates reported by EverQuote users in various cities. Drivers in Rockville reported paying the lowest premiums among the cities we looked at.

City Average monthly premium
Rockville $120
Germantown $125
Annapolis $126
Gaithersburg $130
Frederick $131
Columbia $134
Hagerstown $138.50
Silver Spring $144
Laurel $150
Glen Burnie $159.50
Waldorf $164
Parkville $165
Bowie $165
Hyattsville $165.50
Dundalk $171
Upper Marlboro $171
Randallstown $175.50
Fort Washington $176
Essex $179
Owings Mills $186.50
Windsor Mill $187
Capitol Heights $191
Oxon Hill $192
District Heights $198
Baltimore $199
Suitland $199
Temple Hills $200
Gwynn Oak $214
Source: EverQuote. See full methodology below.

How to get cheap car insurance in Maryland

You'll typically get the best rates by comparing prices among multiple insurance companies and keeping a clean driving record.

Other ways to save generally include:

  • Ask your insurance agent to review the possible auto insurance discounts you are eligible for.
  • Find out from your agent how much you can save by increasing the deductible on comprehensive and collision coverage, if you buy them.
  • Improve your credit. Insurers often use a credit-based insurance score when determining rates. 

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated May 31, 2018

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