The Cheapest Car Insurance in Maryland – September 2023

Penn National offers the cheapest car insurance in Maryland, with an average monthly rate of $120 for full coverage.
Ben Moore
By Ben Moore  
Updated
Edited by Lacie Glover  

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Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in Maryland isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Maryland is Penn National at $1,442 per year on average, or $120 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Maryland. Meanwhile, the average cost of full coverage car insurance in Maryland is $2,953 per year, or about $246 per month.

Minimum coverage in Maryland is $1,136 per year on average, but we found you can likely get a cheaper policy. For example, Cumberland Mutual offers the cheapest rates in Maryland at $478 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

NerdWallet also analyzed car insurance rates to find the cheapest options in Baltimore.

How we chose the cheapest companies in Maryland

NerdWallet’s editorial team analyzed car insurance rates from 17 auto insurers in Maryland and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Maryland. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Maryland where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Maryland for 20-year-olds

Drivers in Maryland with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Travelers: $3,247 per year, or about $271 per month.
  2. Erie: $3,507 per year, or about $292 per month.
  3. Progressive: $3,721 per year, or about $310 per month.
  4. Penn National: $3,974 per year, or about $331 per month.
  5. Cumberland Mutual: $4,109 per year, or about $342 per month.

Cheapest minimum coverage car insurance in Maryland for 20-year-olds

Drivers in Maryland who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Cumberland Mutual: $1,242 per year, or about $103 per month.
  2. Travelers: $1,257 per year, or about $105 per month.
  3. Erie: $1,480 per year, or about $123 per month.
  4. Progressive: $1,727 per year, or about $144 per month.
  5. State Farm: $1,854 per year, or about $155 per month.

Cheapest auto insurance in Maryland for 20-year-olds with poor credit

Drivers with poor credit in Maryland should look at the following insurers with the lowest average rates for minimum coverage:

  1. Maryland Auto Insurance: $1,919 per year, or about $160 per month.
  2. Cumberland Mutual: $2,084 per year, or about $174 per month.
  3. Travelers: $2,205 per year, or about $184 per month.
  4. Progressive: $2,394 per year, or about $200 per month.
  5. Geico: $2,864 per year, or about $239 per month.

Cheapest auto insurance in Maryland for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Maryland, here are the companies with the lowest average rates for minimum coverage:

  1. Cumberland Mutual: $1,335 per year, or about $111 per month.
  2. Travelers: $1,610 per year, or about $134 per month.
  3. Erie: $1,716 per year, or about $143 per month.
  4. Progressive: $1,910 per year, or about $159 per month.
  5. Maryland Auto Insurance: $1,919 per year, or about $160 per month.

Cheapest auto insurance in Maryland for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Maryland, here are the companies with the lowest average rates for minimum coverage:

  1. Cumberland Mutual: $1,458 per year, or about $122 per month.
  2. Travelers: $1,700 per year, or about $142 per month.
  3. Progressive: $2,006 per year, or about $167 per month.
  4. Erie: $2,040 per year, or about $170 per month.
  5. Maryland Auto Insurance: $2,470 per year, or about $206 per month.

Cheapest auto insurance in Maryland for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Erie: $1,716 per year, or about $143 per month.
  2. Cumberland Mutual: $1,721 per year, or about $143 per month.
  3. Progressive: $1,925 per year, or about $160 per month.
  4. Travelers: $1,961 per year, or about $163 per month.
  5. Geico: $2,242 per year, or about $187 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Maryland for 30-year-olds

Drivers in Maryland who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Penn National: $1,475 per year, or about $123 per month.
  2. Erie: $1,630 per year, or about $136 per month.
  3. State Farm: $1,818 per year, or about $151 per month.
  4. Cumberland Mutual: $1,874 per year, or about $156 per month.
  5. Travelers: $1,884 per year, or about $157 per month.

Cheapest minimum coverage car insurance in Maryland for 30-year-olds

Drivers in Maryland who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Cumberland Mutual: $549 per year, or about $46 per month.
  2. Erie: $701 per year, or about $58 per month.
  3. Travelers: $754 per year, or about $63 per month.
  4. State Farm: $797 per year, or about $66 per month.
  5. Geico: $832 per year, or about $69 per month.

Cheapest auto insurance in Maryland for 30-year-olds with poor credit

Drivers with poor credit in Maryland should consider the following companies with the lowest average rates for full coverage:

  1. Progressive: $2,813 per year, or about $234 per month.
  2. Penn National: $2,859 per year, or about $238 per month.
  3. Cumberland Mutual: $3,084 per year, or about $257 per month.
  4. Geico: $3,231 per year, or about $269 per month.
  5. Nationwide: $3,240 per year, or about $270 per month.

Cheapest auto insurance in Maryland for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Maryland, here are the companies with the lowest average rates for minimum coverage:

  1. Cumberland Mutual: $587 per year, or about $49 per month.
  2. Erie: $746 per year, or about $62 per month.
  3. Travelers: $938 per year, or about $78 per month.
  4. State Farm: $970 per year, or about $81 per month.
  5. Geico: $1,036 per year, or about $86 per month.

Cheapest auto insurance in Maryland for 30-year-old drivers with one at-fault crash

For drivers in Maryland with a recent accident, here are the lowest average rate options for full coverage:

  1. Cumberland Mutual: $2,166 per year, or about $180 per month.
  2. Erie: $2,331 per year, or about $194 per month.
  3. Travelers: $2,571 per year, or about $214 per month.
  4. State Farm: $2,682 per year, or about $224 per month.
  5. Penn National: $2,711 per year, or about $226 per month.

Cheapest auto insurance in Maryland for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Erie: $1,737 per year, or about $145 per month.
  2. Geico: $2,343 per year, or about $195 per month.
  3. Progressive: $2,460 per year, or about $205 per month.
  4. Cumberland Mutual: $2,560 per year, or about $213 per month.
  5. Encompass: $2,704 per year, or about $225 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Maryland for 40-year-olds

Drivers in Maryland with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Penn National: $1,400 per year, or about $117 per month.
  2. Erie: $1,473 per year, or about $123 per month.
  3. Cumberland Mutual: $1,601 per year, or about $133 per month.
  4. Travelers: $1,690 per year, or about $141 per month.
  5. State Farm: $1,777 per year, or about $148 per month.

Cheapest minimum coverage car insurance in Maryland for 40-year-olds

Drivers in Maryland who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Cumberland Mutual: $456 per year, or about $38 per month.
  2. Erie: $636 per year, or about $53 per month.
  3. Travelers: $703 per year, or about $59 per month.
  4. State Farm: $799 per year, or about $67 per month.
  5. Geico: $814 per year, or about $68 per month.

Cheapest auto insurance in Maryland for 40-year-olds with poor credit

Drivers with poor credit in Maryland can check out the following insurers with the lowest average rates for full coverage:

  1. Progressive: $2,579 per year, or about $215 per month.
  2. Cumberland Mutual: $2,617 per year, or about $218 per month.
  3. Penn National: $2,707 per year, or about $226 per month.
  4. Nationwide: $2,988 per year, or about $249 per month.
  5. Geico: $3,073 per year, or about $256 per month.

Cheapest auto insurance in Maryland for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Maryland, here are the companies with the lowest average rates for minimum coverage:

  1. Cumberland Mutual: $488 per year, or about $41 per month.
  2. Erie: $675 per year, or about $56 per month.
  3. Travelers: $935 per year, or about $78 per month.
  4. State Farm: $975 per year, or about $81 per month.
  5. Geico: $1,010 per year, or about $84 per month.

Cheapest auto insurance in Maryland for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Maryland, here are the companies with the lowest average rates for full coverage:

  1. Cumberland Mutual: $1,846 per year, or about $154 per month.
  2. Erie: $2,098 per year, or about $175 per month.
  3. Travelers: $2,462 per year, or about $205 per month.
  4. Progressive: $2,560 per year, or about $213 per month.
  5. Penn National: $2,570 per year, or about $214 per month.

Cheapest auto insurance in Maryland for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Erie: $1,566 per year, or about $130 per month.
  2. Cumberland Mutual: $2,177 per year, or about $181 per month.
  3. Geico: $2,231 per year, or about $186 per month.
  4. Progressive: $2,290 per year, or about $191 per month.
  5. Encompass: $2,704 per year, or about $225 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Maryland for 50-year-olds

Drivers in Maryland with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Penn National: $1,278 per year, or about $107 per month.
  2. Erie: $1,414 per year, or about $118 per month.
  3. Cumberland Mutual: $1,455 per year, or about $121 per month.
  4. Geico: $1,641 per year, or about $137 per month.
  5. Progressive: $1,644 per year, or about $137 per month.

Cheapest minimum coverage car insurance in Maryland for 50-year-olds

Drivers in Maryland who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Cumberland Mutual: $415 per year, or about $35 per month.
  2. Erie: $612 per year, or about $51 per month.
  3. Travelers: $701 per year, or about $58 per month.
  4. Geico: $707 per year, or about $59 per month.
  5. State Farm: $787 per year, or about $66 per month.

Cheapest auto insurance in Maryland for 50-year-olds with poor credit

Drivers with poor credit in Maryland can check with the following companies, which showed the lowest average rates for full coverage:

  1. Cumberland Mutual: $2,367 per year, or about $197 per month.
  2. Progressive: $2,374 per year, or about $198 per month.
  3. Penn National: $2,460 per year, or about $205 per month.
  4. Geico: $2,696 per year, or about $225 per month.
  5. Nationwide: $2,783 per year, or about $232 per month.

Cheapest auto insurance in Maryland for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Maryland, here are the companies with the lowest average rates for minimum coverage:

  1. Cumberland Mutual: $444 per year, or about $37 per month.
  2. Erie: $648 per year, or about $54 per month.
  3. Geico: $877 per year, or about $73 per month.
  4. Travelers: $930 per year, or about $77 per month.
  5. State Farm: $962 per year, or about $80 per month.

Cheapest auto insurance in Maryland for 50-year-old drivers with one at-fault crash

For drivers living in Maryland with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Cumberland Mutual: $1,676 per year, or about $140 per month.
  2. Erie: $2,010 per year, or about $168 per month.
  3. Penn National: $2,338 per year, or about $195 per month.
  4. Travelers: $2,413 per year, or about $201 per month.
  5. Progressive: $2,478 per year, or about $206 per month.

Cheapest auto insurance in Maryland for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Erie: $1,501 per year, or about $125 per month.
  2. Geico: $1,908 per year, or about $159 per month.
  3. Cumberland Mutual: $1,973 per year, or about $164 per month.
  4. Progressive: $2,180 per year, or about $182 per month.
  5. Encompass: $2,502 per year, or about $208 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Maryland for 60-year-olds

Drivers in Maryland with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Penn National: $1,277 per year, or about $106 per month.
  2. Cumberland Mutual: $1,404 per year, or about $117 per month.
  3. Erie: $1,426 per year, or about $119 per month.
  4. Travelers: $1,516 per year, or about $126 per month.
  5. Progressive: $1,583 per year, or about $132 per month.

Cheapest minimum coverage car insurance in Maryland for 60-year-olds

Drivers in Maryland who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Cumberland Mutual: $400 per year, or about $33 per month.
  2. Erie: $617 per year, or about $51 per month.
  3. Travelers: $669 per year, or about $56 per month.
  4. State Farm: $735 per year, or about $61 per month.
  5. Geico: $752 per year, or about $63 per month.

Cheapest auto insurance in Maryland for 60-year-olds with poor credit

Drivers with poor credit in Maryland can look at the following companies with the lowest average rates for full coverage:

  1. Progressive: $2,276 per year, or about $190 per month.
  2. Cumberland Mutual: $2,279 per year, or about $190 per month.
  3. Penn National: $2,459 per year, or about $205 per month.
  4. Nationwide: $2,661 per year, or about $222 per month.
  5. Travelers: $2,802 per year, or about $234 per month.

Cheapest auto insurance in Maryland for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Maryland, here are the companies with the lowest average rates for minimum coverage:

  1. Cumberland Mutual: $428 per year, or about $36 per month.
  2. Erie: $654 per year, or about $55 per month.
  3. State Farm: $898 per year, or about $75 per month.
  4. Travelers: $931 per year, or about $78 per month.
  5. Geico: $932 per year, or about $78 per month.

Cheapest auto insurance in Maryland for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Maryland, here are the companies with the lowest average rates for full coverage:

  1. Cumberland Mutual: $1,616 per year, or about $135 per month.
  2. Erie: $2,044 per year, or about $170 per month.
  3. Travelers: $2,337 per year, or about $195 per month.
  4. Penn National: $2,343 per year, or about $195 per month.
  5. State Farm: $2,369 per year, or about $197 per month.

Cheapest auto insurance in Maryland for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Erie: $1,515 per year, or about $126 per month.
  2. Cumberland Mutual: $1,901 per year, or about $158 per month.
  3. Geico: $1,987 per year, or about $166 per month.
  4. Progressive: $2,117 per year, or about $176 per month.
  5. Encompass: $2,402 per year, or about $200 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Maryland for 70-year-olds

Drivers in Maryland with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Penn National: $1,356 per year, or about $113 per month.
  2. Erie: $1,451 per year, or about $121 per month.
  3. Cumberland Mutual: $1,525 per year, or about $127 per month.
  4. Geico: $1,782 per year, or about $149 per month.
  5. State Farm: $1,808 per year, or about $151 per month.

Cheapest minimum coverage car insurance in Maryland for 70-year-olds

Drivers in Maryland who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Cumberland Mutual: $435 per year, or about $36 per month.
  2. Erie: $627 per year, or about $52 per month.
  3. Geico: $785 per year, or about $65 per month.
  4. State Farm: $832 per year, or about $69 per month.
  5. Travelers: $884 per year, or about $74 per month.

Cheapest auto insurance in Maryland for 70-year-olds with poor credit

Drivers with poor credit in Maryland can look at the following companies with the lowest average rates for full coverage:

  1. Cumberland Mutual: $2,486 per year, or about $207 per month.
  2. Penn National: $2,619 per year, or about $218 per month.
  3. Progressive: $2,695 per year, or about $225 per month.
  4. Geico: $2,918 per year, or about $243 per month.
  5. Nationwide: $2,929 per year, or about $244 per month.

Cheapest auto insurance in Maryland for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Maryland, here are the companies with the lowest average rates for minimum coverage:

  1. Cumberland Mutual: $465 per year, or about $39 per month.
  2. Erie: $666 per year, or about $55 per month.
  3. Geico: $973 per year, or about $81 per month.
  4. State Farm: $1,016 per year, or about $85 per month.
  5. Penn National: $1,129 per year, or about $94 per month.

Cheapest auto insurance in Maryland for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Maryland, here are the companies with the lowest average rates for full coverage:

  1. Cumberland Mutual: $1,757 per year, or about $146 per month.
  2. Erie: $2,082 per year, or about $173 per month.
  3. Penn National: $2,501 per year, or about $208 per month.
  4. State Farm: $2,681 per year, or about $223 per month.
  5. Geico: $2,803 per year, or about $234 per month.

Cheapest auto insurance in Maryland for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Erie: $1,542 per year, or about $129 per month.
  2. Cumberland Mutual: $2,070 per year, or about $173 per month.
  3. Geico: $2,082 per year, or about $174 per month.
  4. Encompass: $2,380 per year, or about $198 per month.
  5. Progressive: $2,588 per year, or about $216 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 55 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum auto insurance limits required in Maryland

Maryland car insurance policies must include liability insurance. This pays for other people’s injuries or property damage, up to your chosen limit, when you cause an accident.

The minimum auto insurance coverage levels you must purchase in Maryland are:

  • $30,000 bodily injury liability per person.

  • $60,000 bodily injury liability per accident.

  • $15,000 property damage liability per accident.

  • $30,000 uninsured/underinsured motorist coverage per person.

  • $60,000 uninsured/underinsured motorist coverage per accident.

  • $15,000 uninsured/underinsured property damage coverage per accident.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.
Uninsured motorist coverage will cover expenses from injuries or damage after an accident with a driver who doesn’t have car insurance. Underinsured motorist coverage will cover the same expenses if you’re hit by a driver with some car insurance, but not enough to cover all costs from the crash.

It’s often smart to buy more than the legal minimum to ensure you don’t have to pay out of pocket in case of a severe crash. You may also want to consider optional coverages such as collision and comprehensive insurance.

Check out NerdWallet’s guide to state car insurance requirements for more detail on the various parts of a Maryland auto policy.

Alternative car insurance in Maryland

Drivers who have been denied coverage by at least two car insurance companies could qualify for a policy through the Maryland Auto Insurance Fund. The organization was created to help drivers who can’t get standard insurance because of a checkered accident history, poor credit rating or other factors.

For more help finding Maryland car insurance at the most competitive price, try NerdWallet’s car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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