Car insurance Maryland
Maryland sits among the priciest states for car insurance, with averages topping $3,600 a year. Geography pushes that up (dense traffic from Baltimore through the DC suburbs), and so does the law (every Maryland policy includes uninsured-motorist and PIP coverage by default).
Even with all that built in, prices for the same driver can swing widely between carriers. Car insurance in Maryland isn’t a single number; it’s a range, and a careful car insurance quote in Maryland is the way to land at the lower end of it.
Check also home insurance in Maryland.
How much is car insurance in Maryland?
A few numbers frame the market for car insurance in Maryland:
- State average: about $3,601 a year, or $300 a month.
- Full coverage: about $4,246 a year, or $354 a month.
- Minimum coverage: about $2,809 a year, or $234 a month.
Your price depends on age, ZIP, vehicle, driving record, and credit. Car insurance Maryland rates also reflect the state’s mandatory PIP coverage and a unique rule on credit-based pricing.
What’s shaping your Maryland rate
Maryland premiums reflect a mix of local and personal factors:
- Heavy commuter traffic between Baltimore and the DC suburbs.
- Mandatory uninsured and underinsured motorist coverage plus PIP on every policy.
- Severe weather, including hurricanes, snowstorms, and flooding.
- Rising costs for vehicles, parts, and repairs.
- Your driving record, age, credit profile, and the car you drive.
Maryland’s minimum car insurance requirements
Maryland is an at-fault state. The driver who causes a crash pays for the damage. Every Maryland driver must carry:
| Coverage | Minimum required | What it covers |
| Bodily Injury Liability | $30,000 / $60,000 | Injuries you cause to others |
| Property Damage Liability | $15,000 | Damage you cause to others’ property |
| Uninsured Motorist (BI) | $30,000 / $60,000 | Your injuries from an uninsured driver |
| Uninsured Motorist (PD) | $15,000 | Your property damage from an uninsured driver |
| Personal Injury Protection (PIP) | $2,500 per accident | Your medical bills regardless of fault |
State minimums rarely hold up in a serious crash. Most experts recommend $100,000 / $300,000 in Bodily Injury and $100,000 in Property Damage.
What a full auto insurance Maryland policy usually adds
A full auto insurance Maryland policy typically stacks in:
- Higher Bodily Injury Liability, often starting at $100,000 per person.
- Collision, which pays for damage to your own car after a crash.
- Comprehensive, which covers theft, hail, flood, and vandalism.
- Higher PIP and UM/UIM limits than the state default.
- Medical Payments (MedPay), optional but a useful low-cost add.
Best car insurance Maryland: comparing providers
There is no single best car insurance Maryland pick. The right fit depends on your record, vehicle, and the discounts you can stack. At Nsure, we don’t pick winners; we bring quotes from our partner carriers together so you can compare the same coverage across them.
| Carrier | Where they fit | What they’re known for |
| Progressive | Wide range of driver profiles | Strong digital tools and a broad discount list |
| Safeco | Drivers wanting bundles | Multi-policy savings and clean-record pricing |
| Allstate | Drivers who want an agent | Local agent network and bundling discounts |
| Nationwide | Long-term policyholders | Solid claims service and telematics options |
| Travelers | Drivers comparing major carriers | Wide coverage menu and IntelliDrive usage-based programs |
Same driver, different carrier: annual auto insurance Maryland quotes can differ by hundreds of dollars, which is why a side-by-side comparison usually pays off.
Meet our insurers
How to lower your car insurance Maryland premium
A carrier that runs the right discounts for your situation often beats one that simply quotes lower up front. Worth asking about as you compare:
- Multi-policy bundling for auto with home or renters.
- A clean multi-year record.
- Good student status for full-time students with a B average.
- Usage-based or telematics programs.
- Low annual mileage.
- A defensive driving course on file.
- Paperless billing or pay-in-full.
Past discounts, the bigger savings live in policy shape: a higher deductible you can afford, a stronger credit profile (Maryland uses it for initial pricing only), fewer small claims, and a fresh comparison at every renewal.
