Best Car Insurance in Maryland in 2022

How much does car insurance cost in Maryland in 2022 ?

According to our auto insurance rate study, Maryland drivers pay an average of $1,460 per year for car insurance. Although Maryland’s average rates are far from the most expensive in the United States, they are about 11% higher than the national average of $1,321. Here is Best Car Insurance in Maryland in 2022.

It is wise for drivers looking for the cheapest car insurance in Maryland to shop around and compare rates, as many Maryland car insurance companies offer competitively priced policies. Overall, USAA has some of the lowest rates in the state for many of the driver profiles we reviewed, but its insurance products are limited to military personnel, veterans, and their families.

Drivers who are not eligible for USAA membership are likely to get the lowest rates with Progressive. Progressive’s average rate is about 9% lower than the state average. In best car insurance in Maryland.

The company Geico also offers you competitive rates in Maryland, with average annual premiums that are only a fraction higher than Progressive. Teen drivers or drivers with speeding tickets may also find that Geico’s rates are the lowest overall. Passengers also took a leading position in our study, offering the lowest average rates for drivers with a crash on their record.

The rates in our study provide an overview of car insurance costs in Maryland, but they may not indicate your rates. Your rates may be higher or lower than the state average and depend on your age, vehicle type, credit score, driving record, and other factors.

COMPANY NAMEAVERAGE ANNUAL RATE
USAA$1,026
Progressive$1,204
Geico$1,230
Travelers$1,258
Statewide Average$1,460
Nationwide$1,489
State Farm$1,600
Erie Insurance Group$1,711
Allstate$2,165

Cheapest Car Insurance for You in Maryland

Maryland Rates for Teen Drivers

COMPANY17-YEAR-OLD FEMALE17-YEAR-OLD MALE
Allstate$7,600$8,917
Erie Insurance Group$3,525$4,796
Geico$3,463$3,203
Nationwide$5,208$6,791
Progressive$4,671$5,204
State Farm$4,443$5,589
Travelers$4,231$5,263
USAA$2,251$2,643
StatewideAverage$4,424$5,301

USAA has the lowest rates for teen drivers, but drivers who don’t qualify for USAA membership are likely to get the cheapest rates with Geico. Allstate’s average rates for teens are 68% to 72% higher than the state average and are among the highest in our study. In best car insurance in Maryland.

Maryland Rates for Young Adults

COMPANY25-YEAR-OLD FEMALE25-YEAR-OLD MALE
Allstate$2,060$2,081
Erie Insurance Group$1,948$2,033
Geico$1,358$1,229
Nationwide$1,792$1,961
Progressive$1,451$1,439
State Farm$1,719$1,955
Travelers$1,350$1,409
USAA$1,115$1,237
StatewideAverage$1,599$1,668

After USAA, Travelers has the lowest average rate for young adult female drivers, while Geico has the lowest average rate for young adult male drivers. Allstate has the highest average rates and single premiums that exceed $2,000 for 25-year-old drivers of both sexes.

Maryland Rates for Senior Citizens

COMPANY60-YEAR-OLD FEMALE60-YEAR-OLD MALE
Allstate$2,172$2,226
Erie Insurance Group$1,533$1,533
Geico$1,164$1,214
Nationwide$1,181$1,264
Progressive$1,023$1,041
State Farm$1,429$1,429
Travelers$1,063$1,120
USAA$922$920
Statewide Average$1,311$1,343

Our study indicates that senior drivers in Maryland are likely to get the lowest rates with USAA and Progressive. The progressive rate is 22% lower than the state average rate for seniors, and about 114% lower than Allstate’s rates, the highest in our study. In best car insurance in Maryland.

Maryland Rates for Drivers with Bad Credit

COMPANYAVERAGE ANNUAL RATE
Geico$1,585
Progressive$1,722
USAA$1,851
Nationwide$2,135
Travelers$2,374
Statewide Average$2,508
Allstate$2,982
State Farm$3,481
Erie Insurance Group$3,931

Drivers with bad credit are likely to get the lowest rates with Geico, which offers an average annual premium that is 37% lower than the state average for drivers with bad credit. The opposite is true for Erie Insurance Group, whose annual premiums are 57% higher than the state average.

Maryland Rates for Good Drivers

COMPANYAVERAGE ANNUAL RATE
USAA$1,026
Progressive$1,204
Geico$1,230
Travelers$1,258
Statewide Average$1,460
Nationwide$1,489
State Farm$1,600
Erie Insurance Group$1,711
Allstate$2,165

Next to USAA rates, the Progressives are among the lowest in our study and about 18% below the state average for drivers with clean driving records. Allstate has one of the highest rates for good drivers, with annual premiums 48% higher than the state average. In best car insurance in Maryland.

Maryland Rates After a Speeding Ticket

COMPANYAVERAGE ANNUAL RATE
USAA$1,124
Geico$1,396
Progressive$1,537
Travelers$1,701
Statewide Average$1,744
State Farm$1,758
Erie Insurance Group$1,796
Nationwide$2,028
Allstate$2,611

Aside from USAA, Gecko has some of the lowest average rates for drivers with speeding tickets. Its rates are 20% below the state average and 46% below Allstate’s rates, the highest in our study.

Maryland Rates After an Accident

best car insurance in Maryland
COMPANYAVERAGE ANNUAL RATE
USAA$1,284
Travelers$1,775
Progressive$1,875
State Farm$1,994
Geico$2,106
Statewide Average$2,132
Erie Insurance Group$2,251
Nationwide$2,526
Allstate$3,242

For drivers with an accident on their record, passenger rates are 17% lower than the state average and the lowest in our study, after USAA rates. Allstate’s rates are 52% higher than the state average, and they’re the most expensive in our study.

Maryland Rates After a DUI

COMPANYAVERAGE ANNUAL RATE
Progressive$1,685
State Farm$1,758
Erie Insurance Group$1,796
USAA$1,817
Travelers$1,953
Statewide Average$2,087
Allstate$2,255
Geico$2,306
Nationwide$3,129

Progressive’s rates are among the lowest for Maryland drivers with DUIs, with rates about 19% lower than the state average. The rates are among the highest nationwide in our study and $1,000 higher than the state average. In best car insurance in Maryland.

How much is high coverage car insurance in Maryland?

best car insurance in Maryland
COMPANYAVERAGE ANNUAL RATE
USAA$1,092
Progressive$1,269
Geico$1,309
Travelers$1,342
Nationwide$1,438
Statewide Average$1,518
State Farm$1,696
Erie Insurance Group$1,754
Allstate$2,243

Many drivers will find that Progressive has the higher or lowest average rates for full coverage, although members of the military (as well as veterans and their families) may get USAA lower. Progressive’s rates are 16% below the state average and 43% below Allstate’s rates, which are the highest in our study.

What is the minimum coverage car insurance in Maryland?

COMPANYAVERAGE ANNUAL RATE
USAA$962
Progressive$1,133
Geico$1,179
Travelers$1,188
Statewide Average$1,421
State Farm$1,512
Nationwide$1,597
Erie Insurance Group$1,665
Allstate$2,131

Progressive’s average rates for minimum coverage are 20% lower than the state average and the lowest in our study, after USAA’s rates. Allstate has some of the highest rates in our study, with annual premiums that are about 50% higher than the state average. In best car insurance in Maryland.

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FAQ About Best Car Insurance in Maryland in 2022

Is Car Insurance Required in Maryland?

Yes, all drivers in Maryland must have insurance that meets the state’s minimum requirements. The law ofMaryland dictates that the drivers carry a policy that includes liability insurance, uninsured motorist coverage and personal injury protection (PIP) coverage. Some drivers may be able to waive PIP coverage if their personal health care coverage is sufficient to cover accident-related injuries.

Which cars are required to be insured in Maryland?

Drivers must insure any vehicles they plan to register with the state.

When should I get car insurance in Maryland?

Maryland requires drivers to show proof of insurance in order to register their vehicle. The new residents must be register their vehicle within the 60 days of moving to Maryland. In best car insurance in Maryland.

How Much Car Insurance Do I Need in Maryland?

Maryland drivers must need to purchase a policy that meets the state’s minimum coverage requirements. All policies must include liability insurance that meets the following limits, although drivers can increase the policy limit or add other coverage options:

$30,000 for bodily injury to one person

And also $60,000 for the bodily injury to two or more people

$15,000 for property damage

Maryland also requires drivers to purchase uninsured motorist (UM) coverage, which protects drivers if they are in an accident with an uninsured or underinsured driver. Generally UM coverage limits are nearly the same as Maryland’s liability limits (30/60/15). In best car insurance in Maryland.

In addition to liability and UM coverage, Maryland drivers are usually required to purchase personal injury protection (PIP) coverage for at least $2,500, although some drivers may be able to waive that requirement.

How much is car insurance in my city in Maryland?

Auto insurance rates in some of the most populous cities in the Old Line State range from $1,232 to $2,162, but your exact rate will depend on several factors, including your zip code.

Drivers in Frederick, Annapolis and Gaithersburg enjoy average rates, well below the state average of $1,460. Drivers in Rockville, Laurel, College Park and Baltimore can generally expect rates higher than the state average. This is especially true for Baltimore residents, who pay an average of $2,163 a year, or 48% more than the state average. In best car insurance in Maryland.

The city you live in tells only part of the story. Generally Auto insurance prices are highly individualized, so the best way to determine how much you’ll pay is to collect and compare rates from several Maryland car insurance companies.

What if my car is not properly insured in Maryland?

Drivers who do not properly insure their vehicle will have their registration suspended and pay a $150 fine for the first 30 days and $7 for each additional day. Under this fee schedule, drivers can pay up to $2,500 per year per vehicle.

Drivers who fail to resolve the insurance issues can be reported to the Central Collection Unit (CCU) and will have to pay a 17% collection fee. In best car insurance in Maryland.

Is Maryland a No-Fault State?

No, Maryland is a “fault” state. It means that drivers at fault for an accident are also financially responsible for the related bodily injuries, vehicle damage and/or property damage.

Do I Need Uninsured Motorist Coverage in Maryland?

Yes, all drivers in Maryland are required to purchase uninsured motorist coverage, which provides financial protection if they are in an accident with an uninsured or underinsured motorist. Uninsured motorist coverage must include at least:

$30,000 for bodily injury per person

$60,000 for bodily injury per accident

$15,000 for property damage

Is Liability Insurance Required in Maryland?

Yes, all drivers must purchase liability insurance as required by law for the following minimum amounts: In best car insurance in Maryland.

$30,000 in bodily injury per person

$60,000 in bodily injury per accident

$15,000 in property damage

Does Maryland accept digital insurance cards?

Yes, Maryland drivers can digitally show proof of insurance via a mobile device.

Does Maryland Have High Car Insurance?

Car insurance in Maryland is generally more expensive than the national average, which is about $2,000 a year for full coverage and about $700 a year for minimum coverage. The cost of car insurance continues to rise in Maryland and around the country as well. In best car insurance in Maryland.

How Much Car Insurance Is A Month In Maryland?

While rates vary based on zip code, driving profile, coverage, and vehicle type, the average cost of car insurance in Maryland is approximately $156 per month for full coverage and $64 per month for the state minimum liability auto insurance coverage.

Does Maryland Require Full Coverage Insurance?

All Maryland vehicles must be insured at all times by a licensed vehicle insurance company in Maryland. Your auto insurance must cover at least: $30,000 for bodily injury. $60,000 for 2 or more people.

Thanks for reading Best car insurance in Maryland.

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