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Average Car Insurance in Maryland

April 14, 2014
Auto Insurance, Insurance
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We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

Home to two of the most congested metro areas in the country, as well as a number of much smaller, rural communities, drivers face a wide range of Maryland car insurance premiums. Though the state average – $1,368.32 – is below the national average of $1,510, Baltimore residents pay much more – $1,813.23 per year – while residents of Williamsport only pay $1,150.54 annually. Want to see where your community falls? NerdWallet did the math and ranked Maryland’s cities and towns according to their annual car insurance costs.

Key Findings

  • Maryland’s most expensive rates cluster around Washington, D.C., and Baltimore, with all of the top 10 being in either Prince George’s County or Baltimore County.
  • The difference between average car insurance rates in Maryland’s most and least expensive communities is $799.84 (69.52% greater).

Urban areas with high levels of traffic congestion often have higher premiums than less populated areas, and commutes in and around Washington, D.C., are the 10th worst in the country. Meanwhile, Baltimore commutes are ranked the 23rd worst nationally.

However, auto insurance rates in the state overall are below the national average. This is partially due to Maryland’s relatively low rate of uninsured motorists and laws. Programs like the Maryland Automobile Insurance Fund help those who would otherwise have a hard time getting insured.

Want to see how your premiums compare? Try NerdWallet’s Car Insurance Comparison Tool.

Highest Car Insurance Premiums in Maryland

1. Gwynn Oak: $1,950.38

Gwynn Oak, an unincorporated community in northwest Baltimore, has the honor of having the most expensive car insurance in the state. Its residents pay almost $140 more in premiums per year, on average, than residents of Baltimore proper – where the average is $1,813.23 – and about $75 more per year than Randallstown, their next most expensive neighbor. Average car insurance premiums in Gwynn Oak are almost $600 above the state average.

Gwynn Oak has an active community association, and residents have access to everything that the larger Baltimore community has to offer, including the National Aquarium and Johns Hopkins University and Hospital. Their precinct also experienced the highest rates of vehicle theft in the county for the first nine months of 2013, which may partially explain the high rates, though traffic fatalities were low compared to the eastern precincts.

2. Capitol Heights: $1,916.29

Drivers in Capitol Heights pay the second highest premiums in Maryland. Though they save about $35 annually compared to the most expensive community, they also pay even more than the average D.C. resident, whose rate – at $1,866 – is hardly cheap.

Though it’s on the small side, with a population of 4,337 in the last census, Capitol Heights benefits from its proximity to D.C. It has its own stop on the Washington Metrorail’s Blue Line and is also very close to FedEx Field, home of the Washington Redskins. High rates probably have more to do with Capitol Heights’ congestion than crime. Its district has some of the lowest levels of vehicle theft in the county, according to the latest available data.

3. Oxon Hill: $1,901.04

Oxon Hill, part of Prince George County’s South County area, comes in third for expensive car insurance rates – just $49.34 below the priciest in the state, and $532.72 above the state average.

Those who live in Oxon Hill have many opportunities to get out and enjoy nature, from biking along the Potomac River, to touring and hiking Oxon Cove Park. They can also browse the National Harbor, a series of restaurants, clubs, hotels, offices and apartments, also situated along the Potomac River.

4. District Heights: $1,895.92

Residents of District Heights, a close neighbor to Capitol Heights in the Inner Beltway, pay the fourth highest car insurance rates in the state. They’d save around $200, on average, if their cars were registered slightly further from D.C. Neighbors in Upper Marlboro, which is 10 miles away, still pay $1,693.02 per year, and drivers in Bowie pay around $1,572.04.

District Heights, slightly larger than Capitol Heights, recently underwent a several yearlong downtown revitalization project, making the area more appealing to both pedestrians and businesses. Residents looking for things to do can also check out the city’s recreation programs, including free and low-cost exercise and technology classes, mentoring and bible study.

5. Suitland: $1,894.63

Just south of District Heights and Capitol Heights, Suitland drivers pay a little over a dollar less, annually, for car insurance than their District Heights neighbors.

Suitland residents have easy access to D.C. via Metrorail, or RideSmart, Prince George’s County’s carpooling program. New participants can earn up to $130 in cash incentives during their first 90 days. Residents also have plenty to be excited about right at home. They’re easy driving distance from a few of the county’s largest employers, including Joint Base Andrews and the U.S. Census Bureau, and some newly renovated public facilities, like the Spaulding Branch Library.

6. Temple Hills: $1,884.96

Located northeast of Oxon Hill in South County, Temple Hills has slightly lower car insurance rates than its neighbor and rates $31.33 lower than Capitol Heights, which has the highest in Prince George’s County. Drivers just six miles south, in Clinton, pay about $170 less per year for their insurance.

Though it’s smaller population-wise than Oxon Hill, those who live in Temple Hills still have plenty to do. There are several local shopping centers, parks and pools, and they can also venture into the larger county, where there’s a Six Flags amusement park and a number of performing arts venues, like the Hard Bargain Farm Amphitheater in Accokeek. If they’d like to make the trip to D.C., they can take the bus or the train, with park and ride lots available.

7. Randallstown: $1,874.96

Randallstown, a Baltimore suburb, has the seventh highest car insurance rates in the state. Drivers there pay around $30-$50 more annually for insurance than those in nearby communities, like Pikesville and Windsor Mill, and almost $500 more annually than their neighbors just six miles southwest in Woodstock.

With a population of about 32,430, those who live in Randallstown experience a mixture of city and suburban life. Known for its diversity, the city also features the Choate House historic home and the largest community center in Baltimore County, with spaces for exercise, educational programs and the performing arts.

8. Bladensburg: $1,873.39

Bladensburg, a northeastern D.C. suburb, is the last Prince George’s County town to make the top 10. Its rates are only about $7 more per year than the average D.C. resident’s (at $1,866), but are significantly higher than those in other close communities. Those in Bethesda pay an average of $1,373.63 per year, only $5.31 above the state average, and those in College Park save slightly less, with an average of $1,589.29.

Fans of history will be happy in Bladensburg, a town with roots going back to 1732. Many structures from the time period are still standing, including the George Washington House and Bostwick. Bladensburg was also the site of a War of 1812 battle, which is reenacted in town every summer. Like Capitol Heights, Bladensburg’s district’s rate of vehicle theft is also very low, so congestion is more likely to blame for its car insurance premiums.

9. Windsor Mill: $1,843.67

Drivers in Windsor Mill, a community just west of Gwynn Oak, pay the ninth highest premiums in Maryland. Still, their car insurance costs are, on average, more than a hundred dollars less per year than those in Gwynn Oak, and about $30 less than those in Bladensburg.

Just outside of Baltimore, Windsor Mill residents have close ties to both Baltimore and Baltimore County. The Social Security Administration and the county and its schools are some of the area’s largest employers, and local parks like Woodlawn Memorial Park are popular spots for recreation. If they need to get into the city for work, residents can get help from the Baltimore Metropolitan Council in joining or creating a carpool – and a free ride home if they have an emergency.

10. Pikesville: $1,826.88

Pikesville, one of Baltimore’s closest suburbs, has the 10th highest rates in the state. Its residents pay premiums $458.56 more than the state average. They also pay more per year than their neighbors in other, nearby suburbs, like Owings Mills – whose premiums are lower by about $110 – and Towson – whose premiums are lower by about $330.

Pikesville is a quick trip to Baltimore on the Metro Subway, and benefits from a series of recent public improvements. The area’s growing businesses and Chamber of Commerce support a wide variety of events, like networking lunches and an annual 5k. Its precinct’s rates for vehicle theft and other crimes fall in the middle of Baltimore County’s other precincts.

Where Can You Find the Cheapest Car Insurance Rates in Maryland?

Want cheap car insurance in Maryland? Go north. The 10 lowest car insurance rates in the state are all clustered near the West Virginia and Pennsylvania borders. Hagerstown, which is the sixth largest city in Maryland, has an average annual car insurance premium of only $1,158.17. Residents of other major cities pay more. Columbia and Germantown premiums come in at 145 and 109 on the list, respectively. But no matter where you live in Maryland – or anywhere else – you should always comparison-shop before settling on an auto insurer. Because of your driving record or other factors, your rate could be much different than the average. And if you do live in Maryland, stay up to date with the Maryland Motor Vehicle Administration and the Maryland Insurance Administration.


Average MD Car Insurance

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Average Car Insurance Rates in Maryland

Ranking City Female Average (27) Male Average (27) Female Average (40) Male Average (40) Average Car Insurance
1 Gwynn Oak $2,412.00 $2,148.67 $1,262.33 $1,978.50 $1,950.38
2 Capitol Heights $2,282.33 $2,064.67 $1,408.50 $1,909.67 $1,916.29
3 Oxon Hill $2,251.33 $2,049.67 $1,407.00 $1,896.17 $1,901.04
4 District Heights $2,244.83 $2,042.17 $1,406.33 $1,890.33 $1,895.92
5 Suitland $2,242.83 $2,039.67 $1,406.83 $1,889.17 $1,894.63
6 Temple Hills $2,231.67 $2,028.50 $1,404.50 $1,875.17 $1,884.96
7 Randallstown $2,286.33 $2,047.17 $1,282.50 $1,883.83 $1,874.96
8 Bladensburg $2,218.67 $1,988.67 $1,433.04 $1,853.17 $1,873.39
9 Windsor Mill $2,254.00 $2,012.17 $1,255.50 $1,853.00 $1,843.67
10 Pikesville $2,228.17 $1,985.33 $1,262.33 $1,831.67 $1,826.88
11 Cheltenham $2,011.17 $1,820.00 $1,741.00 $1,698.83 $1,817.75
12 Baltimore $2,189.87 $1,972.28 $1,262.33 $1,828.44 $1,813.23
13 Fort Washington $2,115.50 $1,928.83 $1,407.00 $1,796.67 $1,812.00
14 Hyattsville $2,121.33 $1,932.60 $1,361.50 $1,795.37 $1,802.70
15 Mount Rainier $2,055.50 $1,876.83 $1,431.33 $1,751.83 $1,778.88
16 Brentwood $2,055.50 $1,876.83 $1,425.00 $1,751.83 $1,777.29
17 Accokeek $1,891.00 $1,701.67 $1,887.67 $1,603.33 $1,770.92
18 Riverdale $2,049.33 $1,870.50 $1,412.00 $1,745.67 $1,769.38
19 Aquasco $1,859.83 $1,692.83 $1,882.33 $1,591.67 $1,756.67
20 Brandywine $1,862.17 $1,695.17 $1,866.67 $1,596.17 $1,755.04
21 Clinton $1,989.67 $1,798.17 $1,416.17 $1,665.83 $1,717.46
22 Owings Mills $2,034.17 $1,837.00 $1,288.33 $1,699.17 $1,714.67
23 Lanham $1,965.00 $1,783.83 $1,440.83 $1,661.83 $1,712.88
24 Waldorf $1,763.06 $1,590.89 $1,975.67 $1,498.22 $1,706.96
25 Upper Marlboro $1,964.25 $1,775.25 $1,370.00 $1,662.58 $1,693.02
26 Bryans Road $1,759.83 $1,587.50 $1,845.67 $1,496.33 $1,672.33
27 Rosedale $1,925.67 $1,768.33 $1,255.50 $1,652.50 $1,650.50
28 Reisterstown $1,925.50 $1,715.50 $1,279.83 $1,599.50 $1,630.08
29 Greenbelt $1,844.83 $1,670.67 $1,370.50 $1,567.33 $1,613.33
30 Beltsville $1,816.17 $1,641.17 $1,444.33 $1,533.83 $1,608.88
31 Bel Alton $1,637.50 $1,493.67 $1,881.17 $1,409.00 $1,605.33
32 Nottingham $1,853.67 $1,706.83 $1,255.67 $1,593.67 $1,602.46
33 Bryantown $1,649.00 $1,506.00 $1,828.50 $1,420.67 $1,601.04
34 Takoma Park $1,815.83 $1,680.00 $1,330.50 $1,564.83 $1,597.79
35 Middle River $1,869.67 $1,684.83 $1,262.33 $1,569.67 $1,596.63
36 Dundalk $1,840.67 $1,696.00 $1,262.00 $1,586.00 $1,596.17
37 College Park $1,775.33 $1,635.17 $1,410.00 $1,536.67 $1,589.29
38 Parkville $1,815.50 $1,670.33 $1,257.17 $1,558.00 $1,575.25
39 Essex $1,818.67 $1,657.67 $1,262.33 $1,550.67 $1,572.33
40 Bowie $1,751.71 $1,608.46 $1,426.17 $1,501.83 $1,572.04
41 White Plains $1,758.50 $1,586.00 $1,448.17 $1,494.50 $1,571.79
42 Brooklyn $1,806.50 $1,651.33 $1,262.00 $1,555.17 $1,568.75
43 Spencerville $1,783.00 $1,630.17 $1,338.33 $1,521.17 $1,568.17
44 Glenn Dale $1,771.17 $1,616.67 $1,374.00 $1,509.17 $1,567.75
45 Burtonsville $1,780.67 $1,627.67 $1,339.58 $1,518.17 $1,566.52
46 Silver Spring $1,776.10 $1,633.10 $1,331.17 $1,521.81 $1,565.54
47 Faulkner $1,649.00 $1,506.00 $1,657.33 $1,420.67 $1,558.25
48 Andrews Air Force Base $1,718.83 $1,603.83 $1,388.50 $1,515.67 $1,556.71
49 Sparrows Point $1,786.00 $1,640.00 $1,262.33 $1,535.33 $1,555.92
50 Curtis Bay $1,782.17 $1,626.67 $1,260.67 $1,529.00 $1,549.63
51 Indian Head $1,655.83 $1,513.17 $1,590.33 $1,429.50 $1,547.21
52 La Plata $1,654.17 $1,511.50 $1,585.67 $1,426.83 $1,544.54
53 Pomfret $1,670.00 $1,528.67 $1,520.50 $1,445.17 $1,541.08
54 Marbury $1,657.83 $1,515.17 $1,556.00 $1,431.00 $1,540.00
55 Hughesville $1,639.83 $1,496.17 $1,596.00 $1,411.50 $1,535.88
56 Issue $1,638.33 $1,494.50 $1,587.33 $1,410.83 $1,532.75
57 Nanjemoy $1,645.33 $1,502.67 $1,536.83 $1,417.67 $1,525.63
58 Newburg $1,640.17 $1,496.33 $1,535.50 $1,413.17 $1,521.29
59 Laurel $1,676.88 $1,528.88 $1,436.33 $1,434.17 $1,519.06
60 Port Tobacco $1,640.50 $1,497.33 $1,512.33 $1,411.33 $1,515.38
61 Perry Hall $1,719.33 $1,580.17 $1,286.83 $1,473.17 $1,514.88
62 Broomes Island $1,509.67 $1,377.67 $1,850.00 $1,302.33 $1,509.92
63 Cockeysville $1,695.33 $1,556.33 $1,319.17 $1,455.50 $1,506.58
64 Welcome $1,642.83 $1,500.00 $1,454.00 $1,414.50 $1,502.83
65 White Marsh $1,704.33 $1,564.33 $1,262.33 $1,457.33 $1,497.08
66 Lutherville Timonium $1,685.67 $1,552.67 $1,293.33 $1,456.50 $1,497.04
67 Towson $1,696.17 $1,562.75 $1,262.33 $1,466.50 $1,496.94
68 Gunpowder $1,683.83 $1,541.33 $1,322.00 $1,438.83 $1,496.50
69 Glen Arm $1,684.50 $1,543.50 $1,306.67 $1,445.17 $1,494.96
70 Phoenix $1,689.67 $1,549.00 $1,285.94 $1,449.33 $1,493.49
71 Edgewood $1,680.33 $1,538.00 $1,315.17 $1,435.83 $1,492.33
72 Catonsville $1,700.00 $1,547.33 $1,258.33 $1,460.50 $1,491.54
73 Abell $1,460.83 $1,332.17 $1,900.83 $1,266.50 $1,490.08
74 Avenue $1,455.50 $1,326.50 $1,881.33 $1,262.50 $1,481.46
75 Charlotte Hall $1,509.17 $1,355.17 $1,747.17 $1,285.17 $1,474.17
76 Marriottsville $1,647.33 $1,519.83 $1,292.50 $1,427.17 $1,471.71
77 Bushwood $1,454.50 $1,325.33 $1,826.78 $1,261.33 $1,466.99
78 Montgomery Village $1,639.67 $1,492.83 $1,334.67 $1,394.67 $1,465.46
79 Sparks Glencoe $1,653.17 $1,511.17 $1,272.33 $1,414.17 $1,462.71
80 Ashton $1,606.50 $1,486.33 $1,341.33 $1,399.00 $1,458.29
81 Kingsville $1,640.00 $1,497.00 $1,294.00 $1,401.83 $1,458.21
82 Halethorpe $1,631.50 $1,509.00 $1,258.33 $1,428.83 $1,456.92
83 Callaway $1,449.67 $1,320.33 $1,790.17 $1,255.50 $1,453.92
84 California $1,447.83 $1,318.50 $1,790.27 $1,253.00 $1,452.40
85 Chaptico $1,460.83 $1,332.17 $1,747.17 $1,266.50 $1,451.67
86 Upperco $1,631.00 $1,499.83 $1,266.17 $1,408.50 $1,451.38
87 Sandy Spring $1,596.33 $1,475.17 $1,344.00 $1,388.67 $1,451.04
88 Joppa $1,631.83 $1,484.17 $1,295.33 $1,391.67 $1,450.75
89 Mechanicsville $1,526.83 $1,406.33 $1,550.17 $1,318.17 $1,450.38
90 Glen Burnie $1,627.42 $1,464.25 $1,304.33 $1,381.58 $1,444.40
91 Fork $1,616.67 $1,473.67 $1,310.00 $1,376.67 $1,444.25
92 Baldwin $1,612.50 $1,469.83 $1,321.67 $1,372.83 $1,444.21
93 Derwood $1,585.50 $1,466.17 $1,345.00 $1,374.50 $1,442.79
94 Abingdon $1,609.17 $1,462.50 $1,323.56 $1,370.83 $1,441.51
95 Upper Falls $1,627.50 $1,483.17 $1,265.50 $1,389.50 $1,441.42
96 Churchton $1,567.83 $1,427.17 $1,416.17 $1,348.00 $1,439.79
97 Brookeville $1,581.17 $1,454.50 $1,350.25 $1,364.67 $1,437.65
98 Hydes $1,611.83 $1,468.50 $1,297.67 $1,372.00 $1,437.50
99 Brinklow $1,583.83 $1,457.00 $1,340.00 $1,368.67 $1,437.38
100 Gaithersburg $1,588.46 $1,454.29 $1,335.33 $1,362.29 $1,435.09
101 Deale $1,566.50 $1,425.83 $1,400.83 $1,346.50 $1,434.92
102 Coltons Point $1,455.50 $1,326.50 $1,691.83 $1,262.50 $1,434.08
103 Lothian $1,555.50 $1,414.17 $1,433.00 $1,333.17 $1,433.96
104 Clements $1,453.00 $1,323.83 $1,697.50 $1,259.50 $1,433.46
105 Savage $1,574.67 $1,430.00 $1,380.25 $1,347.83 $1,433.19
106 Lusby $1,501.50 $1,369.00 $1,558.83 $1,293.33 $1,430.67
107 Dameron $1,460.83 $1,332.17 $1,658.83 $1,266.50 $1,429.58
108 Drayden $1,460.83 $1,332.17 $1,657.33 $1,266.50 $1,429.21
109 Germantown $1,573.17 $1,444.00 $1,337.00 $1,351.00 $1,426.29
110 Olney $1,561.83 $1,439.00 $1,351.83 $1,351.50 $1,426.04
111 Shady Side $1,562.17 $1,421.17 $1,374.67 $1,340.17 $1,424.54
112 West River $1,565.33 $1,424.33 $1,363.67 $1,344.00 $1,424.33
113 Huntingtown $1,483.17 $1,350.83 $1,593.67 $1,267.50 $1,423.79
114 Monkton $1,586.67 $1,454.67 $1,290.33 $1,363.50 $1,423.79
115 Harwood $1,562.67 $1,421.83 $1,368.33 $1,341.00 $1,423.46
116 Freeland $1,577.33 $1,444.67 $1,310.00 $1,355.17 $1,421.79
117 Friendship $1,546.67 $1,415.33 $1,389.83 $1,333.17 $1,421.25
118 Prince Frederick $1,505.33 $1,373.33 $1,507.33 $1,298.33 $1,421.08
119 Port Republic $1,502.00 $1,369.50 $1,517.50 $1,295.00 $1,421.00
120 Jessup $1,565.17 $1,418.33 $1,354.50 $1,335.83 $1,418.46
121 Tracys Landing $1,557.83 $1,416.33 $1,361.63 $1,336.00 $1,417.95
122 Great Mills $1,447.17 $1,317.67 $1,652.67 $1,252.17 $1,417.42
123 Parkton $1,578.33 $1,445.67 $1,288.00 $1,356.00 $1,417.00
124 Rockville $1,551.17 $1,429.21 $1,347.00 $1,339.38 $1,416.69
125 Elkridge $1,577.50 $1,434.50 $1,302.83 $1,350.50 $1,416.33
126 Fallston $1,577.50 $1,427.17 $1,313.17 $1,343.00 $1,415.21
127 Solomons $1,509.67 $1,377.67 $1,467.00 $1,302.33 $1,414.17
128 Harmans $1,575.83 $1,429.83 $1,298.67 $1,348.67 $1,413.25
129 Davidsonville $1,563.17 $1,422.00 $1,317.50 $1,339.17 $1,410.46
130 Beallsville $1,546.17 $1,414.00 $1,348.67 $1,330.33 $1,409.79
131 Hollywood $1,452.50 $1,323.17 $1,596.17 $1,259.17 $1,407.75
132 Hanover $1,566.83 $1,420.00 $1,302.83 $1,338.17 $1,406.96
133 Linthicum Heights $1,554.50 $1,428.50 $1,293.67 $1,349.67 $1,406.58
134 Loveville $1,460.83 $1,332.17 $1,564.50 $1,266.50 $1,406.00
135 Poolesville $1,534.83 $1,401.83 $1,350.17 $1,319.00 $1,401.46
136 Leonardtown $1,453.17 $1,324.00 $1,568.17 $1,259.83 $1,401.29
137 Belcamp $1,557.50 $1,403.67 $1,319.83 $1,322.50 $1,400.88
138 Churchville $1,557.17 $1,403.33 $1,319.83 $1,322.83 $1,400.79
139 Aberdeen Proving Ground $1,554.00 $1,400.00 $1,328.50 $1,319.33 $1,400.46
140 Darlington $1,555.67 $1,401.67 $1,317.83 $1,321.33 $1,399.13
141 Barnesville $1,532.00 $1,398.50 $1,349.67 $1,315.17 $1,398.83
142 Park Hall $1,460.83 $1,332.17 $1,531.83 $1,266.50 $1,397.83
143 Aberdeen $1,549.83 $1,395.67 $1,330.33 $1,313.17 $1,397.25
144 Jarrettsville $1,558.67 $1,404.67 $1,297.67 $1,324.83 $1,396.46
145 Columbia $1,540.11 $1,406.33 $1,313.83 $1,324.39 $1,396.17
146 Bel Air $1,551.17 $1,397.33 $1,319.83 $1,313.67 $1,395.50
147 Lexington Park $1,446.83 $1,317.50 $1,565.17 $1,251.83 $1,395.33
148 Clarksburg $1,531.67 $1,397.83 $1,337.50 $1,312.67 $1,394.92
149 Havre De Grace $1,556.00 $1,402.17 $1,298.00 $1,322.67 $1,394.71
150 Boyds $1,526.67 $1,393.00 $1,348.00 $1,308.83 $1,394.13
151 Saint Leonard $1,477.50 $1,345.00 $1,490.00 $1,260.17 $1,393.17
152 Ellicott City $1,534.42 $1,398.83 $1,314.33 $1,322.25 $1,392.46
153 Forest Hill $1,549.50 $1,395.33 $1,310.50 $1,312.83 $1,392.04
154 Woodstock $1,549.33 $1,417.50 $1,262.33 $1,332.17 $1,390.33
155 Damascus $1,524.67 $1,390.83 $1,337.17 $1,306.50 $1,389.79
156 Pylesville $1,554.17 $1,400.17 $1,283.17 $1,320.33 $1,389.46
157 Dunkirk $1,500.00 $1,366.50 $1,398.50 $1,291.67 $1,389.17
158 Patuxent River $1,449.83 $1,320.50 $1,528.83 $1,255.50 $1,388.67
159 Sunderland $1,481.33 $1,347.83 $1,461.50 $1,264.00 $1,388.67
160 Severn $1,549.67 $1,398.67 $1,279.17 $1,323.00 $1,387.63
161 Piney Point $1,450.67 $1,321.33 $1,521.71 $1,256.67 $1,387.60
162 Potomac $1,512.33 $1,388.00 $1,345.50 $1,304.17 $1,387.50
163 Fort George G. Meade $1,495.00 $1,367.33 $1,393.50 $1,293.50 $1,387.33
164 Saint Marys City $1,460.83 $1,332.17 $1,488.50 $1,266.50 $1,387.00
165 Whiteford $1,556.00 $1,402.00 $1,265.00 $1,322.00 $1,386.25
166 Glen Echo $1,500.67 $1,383.50 $1,354.17 $1,302.83 $1,385.29
167 Street $1,552.33 $1,398.17 $1,270.17 $1,318.17 $1,384.71
168 Chesapeake Beach $1,486.50 $1,354.67 $1,422.33 $1,269.00 $1,383.13
169 Scotland $1,460.83 $1,332.17 $1,472.33 $1,266.50 $1,382.96
170 Fulton $1,493.83 $1,359.00 $1,389.00 $1,289.00 $1,382.71
171 North Beach $1,484.67 $1,351.33 $1,426.50 $1,268.17 $1,382.67
172 Ridge $1,450.67 $1,321.33 $1,499.75 $1,256.67 $1,382.10
173 Riva $1,523.67 $1,400.83 $1,279.50 $1,321.33 $1,381.33
174 Cabin John $1,495.50 $1,378.00 $1,353.17 $1,298.00 $1,381.17
175 Saint Inigoes $1,450.67 $1,321.33 $1,491.94 $1,256.67 $1,380.15
176 Tall Timbers $1,460.83 $1,332.17 $1,456.50 $1,266.50 $1,379.00
177 Chevy Chase $1,492.00 $1,374.33 $1,353.33 $1,293.00 $1,378.17
178 White Hall $1,535.00 $1,394.83 $1,263.00 $1,316.67 $1,377.38
179 Owings $1,482.00 $1,348.67 $1,413.17 $1,265.17 $1,377.25
180 Bethesda $1,486.39 $1,368.28 $1,353.67 $1,286.17 $1,373.63
181 Millersville $1,508.67 $1,382.33 $1,290.33 $1,308.67 $1,372.50
182 Highland $1,487.00 $1,352.00 $1,367.83 $1,280.83 $1,371.92
183 Kensington $1,489.83 $1,371.33 $1,333.00 $1,291.83 $1,371.50
184 Valley Lee $1,450.67 $1,321.33 $1,456.50 $1,256.67 $1,371.29
185 Perryville $1,593.83 $1,443.50 $1,081.17 $1,357.67 $1,369.04
186 North East $1,593.00 $1,442.83 $1,081.50 $1,356.83 $1,368.54
187 Pasadena $1,503.83 $1,377.67 $1,286.83 $1,303.50 $1,367.96
188 Port Deposit $1,591.50 $1,441.83 $1,080.00 $1,356.33 $1,367.42
189 Dickerson $1,470.67 $1,363.17 $1,347.50 $1,283.33 $1,366.17
190 Odenton $1,500.17 $1,373.00 $1,289.67 $1,299.00 $1,365.46
191 Edgewater $1,489.67 $1,364.17 $1,316.50 $1,288.00 $1,364.58
192 Conowingo $1,586.50 $1,436.17 $1,075.67 $1,352.17 $1,362.63
193 Colora $1,585.00 $1,434.50 $1,076.17 $1,351.17 $1,361.71
194 Rising Sun $1,583.00 $1,432.33 $1,080.00 $1,348.50 $1,360.96
195 Gambrills $1,487.17 $1,359.83 $1,307.67 $1,284.33 $1,359.75
196 Crofton $1,490.50 $1,363.83 $1,288.67 $1,291.00 $1,358.50
197 Severna Park $1,493.50 $1,366.17 $1,277.75 $1,291.50 $1,357.23
198 Clarksville $1,479.33 $1,343.67 $1,319.33 $1,273.67 $1,354.00
199 Arnold $1,471.17 $1,342.67 $1,321.75 $1,271.17 $1,351.69
200 Chesapeake City $1,570.83 $1,417.83 $1,077.00 $1,338.17 $1,350.96
201 Dayton $1,474.17 $1,338.00 $1,317.17 $1,267.50 $1,349.21
202 Finksburg $1,467.83 $1,337.83 $1,310.75 $1,267.00 $1,345.85
203 Annapolis $1,480.50 $1,354.83 $1,255.33 $1,279.04 $1,342.43
204 Crownsville $1,456.17 $1,327.67 $1,318.17 $1,254.17 $1,339.04
205 Elkton $1,554.33 $1,400.00 $1,074.33 $1,321.50 $1,337.54
206 Hampstead $1,459.33 $1,329.00 $1,303.33 $1,257.17 $1,337.21
207 Manchester $1,457.17 $1,326.33 $1,292.83 $1,253.83 $1,332.54
208 Glenelg $1,502.00 $1,369.67 $1,128.00 $1,295.33 $1,323.75
209 Cooksville $1,498.50 $1,366.33 $1,128.17 $1,288.50 $1,320.38
210 West Friendship $1,508.17 $1,371.00 $1,104.17 $1,296.50 $1,319.96
211 Glenwood $1,489.83 $1,357.17 $1,127.00 $1,281.00 $1,313.75
212 Westminster $1,436.67 $1,305.75 $1,265.50 $1,232.08 $1,310.00
213 Sykesville $1,465.00 $1,334.50 $1,110.67 $1,263.50 $1,293.42
214 New Windsor $1,441.00 $1,310.17 $1,121.33 $1,238.17 $1,277.67
215 Woodbine $1,442.00 $1,310.67 $1,102.83 $1,244.50 $1,275.00
216 Keymar $1,433.00 $1,302.67 $1,125.17 $1,231.00 $1,272.96
217 Taneytown $1,430.33 $1,299.67 $1,106.67 $1,226.83 $1,265.88
218 Warwick $1,425.83 $1,318.33 $1,079.00 $1,239.67 $1,265.71
219 Earleville $1,422.50 $1,314.67 $1,074.83 $1,235.33 $1,261.83
220 Union Bridge $1,402.33 $1,290.00 $1,105.33 $1,221.83 $1,254.88
221 Flintstone $1,356.67 $1,228.17 $1,252.50 $1,151.83 $1,247.29
222 Westernport $1,367.00 $1,238.50 $1,224.50 $1,157.33 $1,246.83
223 Bittinger $1,356.50 $1,228.00 $1,252.50 $1,149.67 $1,246.67
224 Bloomington $1,356.50 $1,228.00 $1,252.50 $1,149.67 $1,246.67
225 Accident $1,354.67 $1,226.00 $1,253.00 $1,149.33 $1,245.75
226 Luke $1,356.50 $1,228.00 $1,247.67 $1,149.67 $1,245.46
227 Friendsville $1,353.83 $1,225.17 $1,251.83 $1,148.17 $1,244.75
228 Kitzmiller $1,354.67 $1,226.00 $1,248.83 $1,149.33 $1,244.71
229 Grantsville $1,351.83 $1,223.33 $1,251.33 $1,146.33 $1,243.21
230 Mc Henry $1,354.67 $1,226.00 $1,242.83 $1,149.33 $1,243.21
231 Barton $1,351.50 $1,222.83 $1,252.50 $1,145.33 $1,243.04
232 Cumberland $1,348.67 $1,219.67 $1,254.83 $1,142.17 $1,241.33
233 Lonaconing $1,350.17 $1,221.50 $1,248.00 $1,143.67 $1,240.83
234 Oldtown $1,354.17 $1,225.50 $1,233.83 $1,148.83 $1,240.58
235 Swanton $1,354.67 $1,226.00 $1,228.83 $1,149.33 $1,239.71
236 Oakland $1,352.00 $1,223.17 $1,236.33 $1,146.00 $1,239.38
237 Rawlings $1,352.50 $1,223.83 $1,230.00 $1,146.17 $1,238.13
238 Frostburg $1,345.83 $1,216.67 $1,251.33 $1,138.50 $1,238.08
239 Mount Savage $1,346.83 $1,217.67 $1,238.33 $1,139.33 $1,235.54
240 Mount Airy $1,355.67 $1,239.67 $1,123.33 $1,173.00 $1,222.92
241 Little Orleans $1,356.67 $1,228.17 $1,124.50 $1,152.17 $1,215.38
242 Ijamsville $1,340.00 $1,224.00 $1,125.83 $1,162.00 $1,212.96
243 Princess Anne $1,362.67 $1,230.83 $1,096.83 $1,157.00 $1,211.83
244 Monrovia $1,337.67 $1,219.33 $1,123.83 $1,162.17 $1,210.75
245 Marion Station $1,359.50 $1,227.50 $1,098.83 $1,153.50 $1,209.83
246 Crisfield $1,358.00 $1,226.17 $1,102.17 $1,151.67 $1,209.50
247 Deal Island $1,358.50 $1,226.33 $1,102.17 $1,150.83 $1,209.46
248 Ewell $1,358.50 $1,226.33 $1,101.33 $1,150.83 $1,209.25
249 Westover $1,360.33 $1,228.33 $1,089.17 $1,154.00 $1,207.96
250 Crocheron $1,340.50 $1,207.17 $1,147.33 $1,134.17 $1,207.29
251 Crapo $1,339.67 $1,206.33 $1,147.33 $1,134.17 $1,206.88
252 Fishing Creek $1,340.50 $1,207.17 $1,145.00 $1,134.17 $1,206.71
253 Church Creek $1,338.33 $1,204.83 $1,150.00 $1,132.33 $1,206.38
254 Madison $1,340.50 $1,207.17 $1,143.33 $1,134.17 $1,206.29
255 Bivalve $1,352.83 $1,219.33 $1,102.17 $1,148.00 $1,205.58
256 Cambridge $1,335.17 $1,201.83 $1,153.50 $1,129.33 $1,204.96
257 East New Market $1,337.67 $1,204.17 $1,145.67 $1,132.17 $1,204.92
258 Nanticoke $1,352.83 $1,219.17 $1,098.67 $1,146.67 $1,204.33
259 Pittsville $1,352.33 $1,218.67 $1,098.00 $1,146.50 $1,203.88
260 Toddville $1,340.50 $1,207.17 $1,133.50 $1,134.17 $1,203.83
261 Tyaskin $1,352.83 $1,219.17 $1,095.83 $1,146.67 $1,203.63
262 Parsonsburg $1,351.67 $1,218.00 $1,098.50 $1,145.83 $1,203.50
263 Wingate $1,340.50 $1,207.17 $1,131.50 $1,134.17 $1,203.33
264 Woolford $1,340.50 $1,207.17 $1,131.17 $1,134.17 $1,203.25
265 Quantico $1,350.50 $1,216.83 $1,096.83 $1,145.33 $1,202.38
266 Hurlock $1,334.00 $1,200.50 $1,144.67 $1,128.00 $1,201.79
267 Rhodesdale $1,334.50 $1,200.83 $1,141.00 $1,128.67 $1,201.25
268 New Market $1,325.67 $1,208.00 $1,122.00 $1,147.83 $1,200.88
269 Willards $1,352.17 $1,218.50 $1,085.83 $1,146.50 $1,200.75
270 Delmar $1,351.17 $1,217.50 $1,085.83 $1,145.50 $1,200.00
271 Woodsboro $1,328.67 $1,212.17 $1,102.50 $1,153.67 $1,199.25
272 Hebron $1,345.83 $1,212.00 $1,099.17 $1,139.33 $1,199.08
273 Pocomoke City $1,344.67 $1,209.67 $1,097.50 $1,141.00 $1,198.21
274 Fruitland $1,343.50 $1,209.50 $1,101.00 $1,136.50 $1,197.63
275 Mardela Springs $1,344.00 $1,210.00 $1,099.00 $1,137.33 $1,197.58
276 Betterton $1,308.67 $1,194.83 $1,160.83 $1,125.83 $1,197.54
277 Tuscarora $1,324.83 $1,208.17 $1,105.33 $1,149.83 $1,197.04
278 Stockton $1,342.83 $1,207.83 $1,096.17 $1,139.00 $1,196.46
279 Galena $1,311.67 $1,198.33 $1,145.00 $1,129.50 $1,196.13
280 Millington $1,311.33 $1,197.83 $1,142.50 $1,129.17 $1,195.21
281 Snow Hill $1,341.17 $1,206.17 $1,096.33 $1,137.00 $1,195.17
282 Massey $1,310.83 $1,197.33 $1,143.17 $1,128.33 $1,194.92
283 Girdletree $1,340.00 $1,204.67 $1,100.33 $1,134.67 $1,194.92
284 Kennedyville $1,310.00 $1,196.33 $1,143.50 $1,127.50 $1,194.33
285 Barclay $1,301.33 $1,186.83 $1,171.33 $1,117.67 $1,194.29
286 Newark $1,339.33 $1,204.00 $1,098.67 $1,135.00 $1,194.25
287 Chestertown $1,307.50 $1,193.67 $1,150.50 $1,124.67 $1,194.08
288 Eden $1,338.50 $1,203.33 $1,101.67 $1,132.83 $1,194.08
289 Showell $1,340.00 $1,204.67 $1,096.67 $1,134.67 $1,194.00
290 Linkwood $1,338.00 $1,204.50 $1,099.00 $1,132.33 $1,193.46
291 Salisbury $1,337.58 $1,203.25 $1,102.17 $1,127.50 $1,192.63
292 Sudlersville $1,310.50 $1,197.00 $1,134.00 $1,128.17 $1,192.42
293 Worton $1,310.83 $1,197.17 $1,131.17 $1,128.17 $1,191.83
294 Frederick $1,312.46 $1,193.79 $1,130.00 $1,130.71 $1,191.74
295 Whaleyville $1,340.00 $1,204.67 $1,087.33 $1,134.67 $1,191.67
296 Vienna $1,338.00 $1,204.50 $1,091.17 $1,132.33 $1,191.50
297 Still Pond $1,308.67 $1,194.83 $1,134.50 $1,125.83 $1,190.96
298 Bishopville $1,333.00 $1,197.33 $1,102.17 $1,127.83 $1,190.08
299 Rock Hall $1,304.33 $1,190.50 $1,138.83 $1,121.50 $1,188.79
300 Adamstown $1,304.67 $1,186.17 $1,130.00 $1,123.33 $1,186.04
301 Ingleside $1,299.33 $1,185.00 $1,144.33 $1,114.83 $1,185.88
302 Church Hill $1,297.50 $1,183.17 $1,148.17 $1,113.83 $1,185.67
303 Ocean City $1,328.67 $1,192.83 $1,098.50 $1,122.67 $1,185.67
304 Berlin $1,325.83 $1,189.83 $1,102.17 $1,119.00 $1,184.21
305 Chester $1,293.83 $1,178.50 $1,151.50 $1,109.83 $1,183.42
306 Walkersville $1,308.83 $1,191.17 $1,104.50 $1,128.67 $1,183.29
307 Easton $1,271.67 $1,155.17 $1,221.17 $1,084.67 $1,183.17
308 Bozman $1,288.67 $1,172.83 $1,160.33 $1,105.67 $1,181.88
309 Grasonville $1,292.67 $1,177.33 $1,144.67 $1,108.50 $1,180.79
310 Point Of Rocks $1,299.50 $1,181.67 $1,119.17 $1,117.67 $1,179.50
311 Marydel $1,291.00 $1,175.00 $1,143.17 $1,107.50 $1,179.17
312 Centreville $1,288.17 $1,173.50 $1,152.50 $1,102.17 $1,179.08
313 Claiborne $1,289.50 $1,173.67 $1,147.67 $1,105.33 $1,179.04
314 Goldsboro $1,289.50 $1,173.67 $1,144.67 $1,105.33 $1,178.29
315 Mcdaniel $1,289.50 $1,173.67 $1,143.33 $1,105.33 $1,177.96
316 Denton $1,287.00 $1,171.17 $1,147.33 $1,104.17 $1,177.42
317 Wittman $1,292.33 $1,177.00 $1,131.17 $1,109.17 $1,177.42
318 Tilghman $1,291.17 $1,175.67 $1,133.67 $1,108.50 $1,177.25
319 Queen Anne $1,289.33 $1,174.83 $1,141.50 $1,102.17 $1,176.96
320 Royal Oak $1,289.50 $1,173.67 $1,137.50 $1,105.33 $1,176.50
321 Sherwood $1,289.50 $1,173.67 $1,136.00 $1,105.33 $1,176.13
322 Cordova $1,284.83 $1,168.83 $1,147.67 $1,101.17 $1,175.63
323 Henderson $1,285.67 $1,169.67 $1,144.67 $1,102.17 $1,175.54
324 Federalsburg $1,285.50 $1,169.83 $1,145.00 $1,101.67 $1,175.50
325 Oxford $1,285.67 $1,169.67 $1,142.17 $1,102.00 $1,174.88
326 Burkittsville $1,290.83 $1,171.83 $1,130.00 $1,106.50 $1,174.79
327 Saint Michaels $1,287.00 $1,171.17 $1,137.33 $1,103.50 $1,174.75
328 Brunswick $1,291.00 $1,171.67 $1,130.00 $1,106.33 $1,174.75
329 Wye Mills $1,289.50 $1,173.67 $1,130.00 $1,105.33 $1,174.63
330 Greensboro $1,283.67 $1,167.83 $1,144.67 $1,100.00 $1,174.04
331 Myersville $1,291.67 $1,172.67 $1,123.33 $1,107.67 $1,173.83
332 Keedysville $1,298.50 $1,169.67 $1,125.67 $1,101.00 $1,173.71
333 Preston $1,283.33 $1,167.50 $1,142.00 $1,099.50 $1,173.08
334 Stevensville $1,286.00 $1,170.17 $1,135.50 $1,100.33 $1,173.00
335 Trappe $1,286.00 $1,170.17 $1,133.17 $1,102.33 $1,172.92
336 Ridgely $1,283.00 $1,167.33 $1,140.67 $1,099.33 $1,172.58
337 Knoxville $1,289.67 $1,170.50 $1,125.00 $1,104.83 $1,172.50
338 Middletown $1,290.00 $1,170.83 $1,123.83 $1,105.17 $1,172.46
339 Jefferson $1,286.50 $1,167.00 $1,125.67 $1,101.00 $1,170.04
340 Rocky Ridge $1,287.33 $1,168.00 $1,118.83 $1,101.83 $1,169.00
341 Queenstown $1,278.33 $1,162.17 $1,141.50 $1,090.83 $1,168.21
342 Boonsboro $1,287.83 $1,159.50 $1,130.00 $1,093.50 $1,167.71
343 Emmitsburg $1,280.67 $1,161.00 $1,128.17 $1,094.67 $1,166.13
344 Sabillasville $1,284.83 $1,165.17 $1,115.00 $1,099.17 $1,166.04
345 Thurmont $1,287.33 $1,167.50 $1,106.00 $1,102.17 $1,165.75
346 Sharpsburg $1,285.33 $1,156.50 $1,114.67 $1,090.17 $1,161.67
347 Rohrersville $1,284.83 $1,156.00 $1,115.17 $1,090.17 $1,161.54
348 Hancock $1,280.17 $1,151.17 $1,126.17 $1,085.83 $1,160.83
349 Big Pool $1,278.83 $1,149.67 $1,130.00 $1,084.17 $1,160.67
350 Cascade $1,279.00 $1,149.67 $1,129.33 $1,083.17 $1,160.29
351 Hagerstown $1,277.33 $1,148.08 $1,126.67 $1,080.58 $1,158.17
352 Clear Spring $1,275.67 $1,146.33 $1,128.54 $1,080.00 $1,157.64
353 Maugansville $1,277.17 $1,147.83 $1,124.33 $1,081.17 $1,157.63
354 Fairplay $1,274.83 $1,145.33 $1,128.17 $1,079.00 $1,156.83
355 Smithsburg $1,279.83 $1,150.50 $1,111.67 $1,084.33 $1,156.58
356 Williamsport $1,275.00 $1,145.50 $1,103.00 $1,078.67 $1,150.54

Methodology

To determine Maryland’s average yearly car insurance premium, NerdWallet retrieved quotes for four different driver profiles in each populated Maryland ZIP code: 27-year-old men and women driving a 2012 Toyota Camry, and 40-year-old married men and women driving a 2012 Ford Escape. All quotes assumed 30/60/15 limits on the drivers’ personal liability coverage (the state minimum) and uninsured liability coverage for the same amount.

 

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