The Cheapest Car Insurance in Maryland for April 2024

Geico offers the cheapest car insurance in Maryland, with an average annual rate of $1,227 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 Geico at $1,227 per year on average, or $102 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 $2,409 per year, or about $201 per month.

Minimum coverage in Maryland is $1,022 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Maryland at $522 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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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 15 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. Erie: $3,323 per year, or about $277 per month.
  2. Travelers: $3,562 per year, or about $297 per month.
  3. Geico: $3,990 per year, or about $333 per month.
  4. Penn National: $4,259 per year, or about $355 per month.
  5. Cumberland Mutual: $4,268 per year, or about $356 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. Travelers: $1,263 per year, or about $105 per month.
  2. Erie: $1,273 per year, or about $106 per month.
  3. Cumberland Mutual: $1,401 per year, or about $117 per month.
  4. Geico: $1,583 per year, or about $132 per month.
  5. Penn National: $1,883 per year, or about $157 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. Geico: $2,044 per year, or about $170 per month.
  2. Travelers: $2,189 per year, or about $182 per month.
  3. Maryland Auto Insurance: $2,202 per year, or about $184 per month.
  4. Cumberland Mutual: $2,393 per year, or about $199 per month.
  5. Erie: $2,782 per year, or about $232 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. Erie: $1,433 per year, or about $119 per month.
  2. Cumberland Mutual: $1,506 per year, or about $126 per month.
  3. Travelers: $1,587 per year, or about $132 per month.
  4. Geico: $1,942 per year, or about $162 per month.
  5. Maryland Auto Insurance: $2,202 per year, or about $184 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: $1,647 per year, or about $137 per month.
  2. Travelers: $1,681 per year, or about $140 per month.
  3. Erie: $1,778 per year, or about $148 per month.
  4. Geico: $2,232 per year, or about $186 per month.
  5. Progressive: $2,563 per year, or about $214 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: $1,433 per year, or about $119 per month.
  2. Travelers: $1,894 per year, or about $158 per month.
  3. Cumberland Mutual: $1,946 per year, or about $162 per month.
  4. Geico: $2,044 per year, or about $170 per month.
  5. Progressive: $2,440 per year, or about $203 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. Geico: $1,255 per year, or about $105 per month.
  2. Penn National: $1,581 per year, or about $132 per month.
  3. Erie: $1,824 per year, or about $152 per month.
  4. Cumberland Mutual: $1,944 per year, or about $162 per month.
  5. Travelers: $2,121 per year, or about $177 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. Geico: $531 per year, or about $44 per month.
  2. Cumberland Mutual: $613 per year, or about $51 per month.
  3. Erie: $780 per year, or about $65 per month.
  4. Travelers: $792 per year, or about $66 per month.
  5. State Farm: $896 per year, or about $75 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. Geico: $1,791 per year, or about $149 per month.
  2. Kemper: $2,976 per year, or about $248 per month.
  3. Penn National: $3,082 per year, or about $257 per month.
  4. Cumberland Mutual: $3,283 per year, or about $274 per month.
  5. Progressive: $3,526 per year, or about $294 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: $659 per year, or about $55 per month.
  2. Geico: $686 per year, or about $57 per month.
  3. Erie: $831 per year, or about $69 per month.
  4. Travelers: $972 per year, or about $81 per month.
  5. Penn National: $1,153 per year, or about $96 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: $2,257 per year, or about $188 per month.
  2. Geico: $2,348 per year, or about $196 per month.
  3. Erie: $2,654 per year, or about $221 per month.
  4. Travelers: $2,868 per year, or about $239 per month.
  5. Penn National: $2,918 per year, or about $243 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. Geico: $1,796 per year, or about $150 per month.
  2. Erie: $1,947 per year, or about $162 per month.
  3. Cumberland Mutual: $2,670 per year, or about $223 per month.
  4. Encompass: $2,924 per year, or about $244 per month.
  5. Progressive: $3,101 per year, or about $258 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. Geico: $1,211 per year, or about $101 per month.
  2. Penn National: $1,499 per year, or about $125 per month.
  3. Erie: $1,581 per year, or about $132 per month.
  4. Cumberland Mutual: $1,653 per year, or about $138 per month.
  5. Travelers: $1,904 per year, or about $159 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: $507 per year, or about $42 per month.
  2. Geico: $513 per year, or about $43 per month.
  3. Erie: $683 per year, or about $57 per month.
  4. Travelers: $741 per year, or about $62 per month.
  5. State Farm: $900 per year, or about $75 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. Geico: $1,732 per year, or about $144 per month.
  2. Cumberland Mutual: $2,778 per year, or about $232 per month.
  3. Kemper: $2,863 per year, or about $239 per month.
  4. Penn National: $2,913 per year, or about $243 per month.
  5. Progressive: $3,202 per year, or about $267 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: $544 per year, or about $45 per month.
  2. Geico: $663 per year, or about $55 per month.
  3. Erie: $728 per year, or about $61 per month.
  4. Travelers: $967 per year, or about $81 per month.
  5. Penn National: $1,105 per year, or about $92 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: $1,918 per year, or about $160 per month.
  2. Geico: $2,247 per year, or about $187 per month.
  3. Erie: $2,291 per year, or about $191 per month.
  4. Travelers: $2,741 per year, or about $228 per month.
  5. Penn National: $2,761 per year, or about $230 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: $1,685 per year, or about $140 per month.
  2. Geico: $1,732 per year, or about $144 per month.
  3. Cumberland Mutual: $2,261 per year, or about $188 per month.
  4. Progressive: $2,878 per year, or about $240 per month.
  5. Encompass: $2,924 per year, or about $244 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. Geico: $941 per year, or about $78 per month.
  2. Penn National: $1,365 per year, or about $114 per month.
  3. Erie: $1,496 per year, or about $125 per month.
  4. Cumberland Mutual: $1,502 per year, or about $125 per month.
  5. Travelers: $1,862 per year, or about $155 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. Geico: $399 per year, or about $33 per month.
  2. Cumberland Mutual: $460 per year, or about $38 per month.
  3. Erie: $645 per year, or about $54 per month.
  4. Travelers: $739 per year, or about $62 per month.
  5. Penn National: $836 per year, or about $70 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. Geico: $1,346 per year, or about $112 per month.
  2. Cumberland Mutual: $2,503 per year, or about $209 per month.
  3. Penn National: $2,643 per year, or about $220 per month.
  4. Kemper: $2,763 per year, or about $230 per month.
  5. Progressive: $2,900 per year, or about $242 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: $494 per year, or about $41 per month.
  2. Geico: $515 per year, or about $43 per month.
  3. Erie: $687 per year, or about $57 per month.
  4. Travelers: $962 per year, or about $80 per month.
  5. Penn National: $1,017 per year, or about $85 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: $1,742 per year, or about $145 per month.
  2. Geico: $1,925 per year, or about $160 per month.
  3. Erie: $2,166 per year, or about $180 per month.
  4. Penn National: $2,506 per year, or about $209 per month.
  5. Travelers: $2,682 per year, or about $224 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. Geico: $1,346 per year, or about $112 per month.
  2. Erie: $1,595 per year, or about $133 per month.
  3. Cumberland Mutual: $2,040 per year, or about $170 per month.
  4. Progressive: $2,683 per year, or about $224 per month.
  5. Encompass: $2,710 per year, or about $226 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. Geico: $959 per year, or about $80 per month.
  2. Penn National: $1,363 per year, or about $114 per month.
  3. Cumberland Mutual: $1,449 per year, or about $121 per month.
  4. Erie: $1,465 per year, or about $122 per month.
  5. Travelers: $1,708 per year, or about $142 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. Geico: $420 per year, or about $35 per month.
  2. Cumberland Mutual: $442 per year, or about $37 per month.
  3. Erie: $628 per year, or about $52 per month.
  4. Travelers: $707 per year, or about $59 per month.
  5. State Farm: $832 per year, or about $69 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. Geico: $1,371 per year, or about $114 per month.
  2. Cumberland Mutual: $2,407 per year, or about $201 per month.
  3. Penn National: $2,639 per year, or about $220 per month.
  4. Kemper: $2,653 per year, or about $221 per month.
  5. Progressive: $2,810 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: $475 per year, or about $40 per month.
  2. Geico: $543 per year, or about $45 per month.
  3. Erie: $667 per year, or about $56 per month.
  4. Travelers: $958 per year, or about $80 per month.
  5. Penn National: $1,028 per year, or about $86 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: $1,677 per year, or about $140 per month.
  2. Geico: $1,963 per year, or about $164 per month.
  3. Erie: $2,125 per year, or about $177 per month.
  4. Penn National: $2,511 per year, or about $209 per month.
  5. Travelers: $2,585 per year, or about $215 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. Geico: $1,371 per year, or about $114 per month.
  2. Erie: $1,561 per year, or about $130 per month.
  3. Cumberland Mutual: $1,964 per year, or about $164 per month.
  4. Encompass: $2,600 per year, or about $217 per month.
  5. Progressive: $2,626 per year, or about $219 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. Geico: $1,052 per year, or about $88 per month.
  2. Penn National: $1,448 per year, or about $121 per month.
  3. Cumberland Mutual: $1,575 per year, or about $131 per month.
  4. Erie: $1,638 per year, or about $136 per month.
  5. Travelers: $2,126 per year, or about $177 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. Geico: $465 per year, or about $39 per month.
  2. Cumberland Mutual: $481 per year, or about $40 per month.
  3. Erie: $699 per year, or about $58 per month.
  4. Penn National: $905 per year, or about $75 per month.
  5. Travelers: $913 per year, or about $76 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. Geico: $1,497 per year, or about $125 per month.
  2. Cumberland Mutual: $2,634 per year, or about $220 per month.
  3. Penn National: $2,811 per year, or about $234 per month.
  4. Progressive: $3,370 per year, or about $281 per month.
  5. Kemper: $3,520 per year, or about $293 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: $517 per year, or about $43 per month.
  2. Geico: $601 per year, or about $50 per month.
  3. Erie: $744 per year, or about $62 per month.
  4. Penn National: $1,102 per year, or about $92 per month.
  5. State Farm: $1,258 per year, or about $105 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: $1,827 per year, or about $152 per month.
  2. Geico: $2,121 per year, or about $177 per month.
  3. Erie: $2,387 per year, or about $199 per month.
  4. Penn National: $2,677 per year, or about $223 per month.
  5. Travelers: $3,354 per year, or about $279 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. Geico: $1,504 per year, or about $125 per month.
  2. Erie: $1,747 per year, or about $146 per month.
  3. Cumberland Mutual: $2,146 per year, or about $179 per month.
  4. Encompass: $2,562 per year, or about $213 per month.
  5. Progressive: $3,295 per year, or about $275 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 five auto insurance options for 56 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 2021 Toyota Camry LE 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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