Average Cost Of Car Insurance in Maryland in 2022 – Bankrate.com

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.
Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work.
Kenneth Chavis IV is a senior wealth manager who provides comprehensive financial planning, investment management and tax planning services to business owners, equity compensated executives, engineers, medical doctors and entertainers.
Compare rates and save on auto insurance today!
The average cost of car insurance in Maryland is $1,931 per year for a full coverage policy and $836 per year for a minimum coverage policy. Maryland drivers pay lower full coverage rates than drivers in many nearby states, like Delaware and Pennsylvania. However, Maryland car insurance rates are more expensive than the national average rate, likely due to factors like traffic density and a high frequency of accidents, which leads to more claims.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Save on auto insurance with quotes from trusted providers like
Drivers switch & save an average of $750+/year
Are you overpaying for auto insurance?
Safe drivers choose Allstate®
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
One of the factors that determines how much is car insurance in Maryland is where you live. Maryland drivers pay $1,931 per year for full coverage, based on 2022 data from Quadrant Information Services. For comparison, the average cost of car insurance in the U.S. is $1,771 for full coverage, which is about 8% lower than the average rate in Maryland.
Although Maryland drivers pay higher average car insurance rates, there are ways to help keep rates low. Shopping around for quotes or switching carriers might help you find the best company and premiums for you. Your age, driving record, type of car, commute time and credit score may also be deciding factors that help determine your auto insurance rates.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Every car insurance company in Maryland sets its own rates, which will vary based on your driving profile, where you live and the coverages you need. Based on our research, USAA has the cheapest average rates for full coverage and Allstate has the cheapest average rates for minimum coverage in Maryland.
The table below shows the average rates for minimum liability and full coverage insurance from several car insurance companies in Maryland:

Another factor that impacts the cost of car insurance in Maryland is your city and ZIP code. In Maryland, car insurance premiums tend to be the most expensive in Dundalk and the least expensive in Hagerstown, according to average rate data.
In the table below, you can see the average cost of car insurance in the top 20 cities in Maryland by population:

Your age can impact your car insurance rates in every state, especially Maryland. According to the average annual premium costs for Maryland drivers, car insurance rates start to decrease around age 25 and eventually increase again around age 70.
In the table below, you can see the average car insurance rates in Maryland for drivers in various age groups:

*16- through 20-year-old driver calculated on a parent’s policy.
Maintaining a clean driving record in Maryland is a great way to keep costs low for car insurance. Auto insurance rates are impacted by your motor vehicle record, which means getting a speeding ticket conviction or having an at-fault accident could increase your premium significantly. For example, getting a DUI in Maryland will increase your car insurance premium by about 83%.
The table below highlights average car insurance premiums based on various driving infractions:

If you are looking to get cheap car insurance, there are several ways to save in Maryland. Consider these savings tips to get the best price for car insurance in your Maryland city.


While Maryland car insurance rates vary based on state, ZIP code, driving profile, coverages and vehicle type, the average cost of car insurance in Maryland is about $161 per month for full coverage and $70 per month for state minimum liability auto insurance coverage.
The minimum amount of liability coverage required in Maryland is $30,000 for bodily injury per person, $60,000 for bodily injury per accident and $15,000 for property damage. The same liability minimums are required for uninsured and underinsured motorists. Personal injury protection (PIP) is required for a minimum amount of $2,500 per person, though you can sign a waiver if you do not want PIP insurance.
Traffic density, the frequency of accidents, thefts and vandalism acts, and weather-related events may all contribute to making Maryland auto insurance premiums higher than the national average. Maryland is also home to many popular cities, like Baltimore and Salisbury. According to the Insurance Information Institute, metropolitan areas are also likely to have higher auto insurance rates.
There are many waves to save on auto insurance in Maryland. For instance, if you have an older car, you may consider removing full coverage if you can pay for the costs to fix your car or replace it out of pocket. You could also increase your deductible to reduce the premium, but make sure you can pay the higher deductible if you need to file a claim. Keeping a high insurance-based credit score will also likely get you cheaper premiums in Maryland.
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.
Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work.
Kenneth Chavis IV is a senior wealth manager who provides comprehensive financial planning, investment management and tax planning services to business owners, equity compensated executives, engineers, medical doctors and entertainers.
Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.
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