Fast, Free Auto Insurance Quotes

Maryland drivers see one of the highest premiums rates for car insurance in the United States. The Chesapeake State is in the top ten most expensive states for car insurance, with an average overall rate of $1,968 per year. Fortunately, drivers can still find cheap auto insurance in MD. EverQuote reviewed car insurance rates from EverQuote users to present Maryland drivers with the info they need to evaluate quotes and shop around. Not surprisingly, rates differ depending on where drivers reside in the state. This is why it’s very important to compare auto insurance companies to find the cheapest rates possible in the Old Line State. Put in your ZIP code above to start your search today and compare, or read about our analysis below.

Contents

Cheapest Auto Insurance in Maryland

We looked at the average payments reported by EverQuote users in Maryland. Below, you’ll find the 13 cheapest car insurance carriers in MD, ranked from lowest cost to highest. In order to ensure we could fairly compare our numbers, we looked at the case of a single male driver with a clean driving record insuring one mid-size or full-size automobile.

Rank Car Insurance Carrier Average Yearly Cost Average Monthly Payment
1 Erie $1,536 $128
2 USAA $1,620 $135
3 GEICO $1,860 $155
4 Nationwide $1,872 $156
State Average $1,908 $159

Fast, Free Auto Insurance Quotes

When you look at the auto insurance carriers above, you can see that Erie offers the cheapest car insurance in Maryland with an average yearly cost of $1,536. This equals out to an average monthly payment of $128. In comparison, the most expensive insurance company had an average yearly cost of $2,340, over $800 more than Erie. Other low-cost options include USAA, GEICO and Nationwide.

Cheapest Car Insurance in Maryland by City}

Maryland is one of the smallest states in the country, yet it is also one of the most densely populated with its close proximity to Washington, D.C. Across the state, we analyzed the cities with the cheapest yearly cost for car insurance rates. Baltimore is the largest city in Maryland and saw an average overall cost of $2,256 with a monthly average cost of $188 per month. Hagerstown, nicknamed Maryland’s Hub City for its crossroads for industry and culture, sees the cheapest auto insurance average yearly cost at $1,428 and an average monthly payment of $119. Overall, other cities with affordable rates were Germantown, Frederick, and Halethorpe.

Rank CA City Average Yearly Cost Average Monthly Payment
1 Hagerstown $1,428 $119
2 Germantown $1,452 $121
3 Frederick $1,548 $129
4 Halethorpe $1,572 $131
5 Rockville $1,596 $133
6 Silver Spring $1,620 $135
7 Glen Burnie $1,650 $138
8 Columbia $1,680 $140
9 Gaithersburg $1,740 $145
10 Laurel $1,788 $149
11 Lanham $1,800 $150
12 Fort Washington $1,824 $152
13 Bowie $1,836 $153
14 Salisbury $1,836 $153
15 Hyattsville $1,860 $155
16 Dundalk $1,860 $155
State Average $1,908 $159
17 Clinton $1,920 $160
18 Middle River $1,920 $160
19 Parkville $2,004 $167
20 Waldorf $2,040 $170
21 Oxon Hill $2,100 $175
22 Temple Hills $2,112 $176
23 Suitland $2,136 $178
24 Randallstown $2,166 $181
25 Windsor Mill $2,184 $182
26 Capitol Heights $2,226 $186
27 District Heights $2,244 $187
28 Brooklyn $2,256 $188
29 Baltimore $2,256 $188
30 Upper Marlboro $2,286 $191
31 Essex $2,352 $196
32 Gwynn Oak $2,400 $200
33 Owings Mills $2,484 $207

Methodology For This Study

EverQuote collected self-reported monthly premiums from over two million users looking to save on auto insurance. For the study, we used this data, along with those users' current car insurance carriers and ZIP codes at the time of the survey to produce the analysis you see here. Like all drivers, EverQuote users do differ from one another in many ways and that can affect the price of their car insurance. The gender and age of a motorist as well as the number of drivers and vehicles in the home are just a few of the influences that can affect the cost of car insurance. We wanted to be sure we had a fair comparison of our numbers, so we compared the premiums reported by a subset of users who are similar to one another.