Fact CheckedNerdWallet’s editorial team collected data on 14 auto insurers in Maryland and scored them for factors such as customer experience, online features and discounts. GEICO was our pick for the top insurer in the state, but plenty of other car insurance companies also earned high ratings.
Our March 2026 picks for the best car insurance companies in Maryland are:
For our list of the best car insurance companies in Maryland, we considered only insurers that achieved a minimum NerdWallet star rating of 4.5. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies may change.
NerdWallet’s editorial team considers these factors when choosing the best auto insurance companies:
Financial strength. We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims.
Consumer experience. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners (NAIC). We also look at survey data from J.D. Power’s yearly national and regional studies.
Digital ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes the quality of information offered online, mobile app scores based on Apple and Google Play store ratings, and whether a user can start and track a claim, or get a quote online.
Ways to save. We look at the kinds of discounts a company offers and the total number of discounts available.
You can read our full auto insurance methodology to learn more.
Strict editorial guidelines to ensure fairness and accuracy in our coverage.
Thorough rating guidelines for evaluating auto insurance companies.
More than 120 million rates analyzed by our team of specialists.
More than 130 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in a state 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.
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Best overall for car insurance: GEICO
Full coverage
$121 /month
Liability only
$46 /month
With nationwide availability and a raft of discounts, GEICO is a popular, and often affordable, choice for car insurance.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $1,457 $550 One speeding ticket, good credit $1,882 $710 One at-fault crash, good credit $2,716 $1,040 One DUI, good credit $2,084 $786 Clean driving record, poor credit $2,084 $786
Best runner-up pick in Maryland: Amica
Low consumer complaints and a wide variety of policy perks and discounts make Amica a top-rated choice for good drivers.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why we chose Amica as our runner-up pick: Amica is our runner-up in Maryland because of its customer service experience. Amica earns fewer complaints than expected for its size, and is rated better than average for customer satisfaction on the J.D. Power Claims Satisfaction Study.
Amica also offers more optional types of car insurance than some other top insurers, including GEICO. Some of the coverage options that Amica offers might include gap insurance, new car replacement or rideshare coverage if you’re a driver for Uber or Lyft.
Don’t pick Amica if: You haven’t gotten to compare auto insurance quotes yet. We don’t have rates for Amica in Maryland. While Amica has a great set of discounts, it can be more expensive than average in other states where we do have rates data.
» Read the full review: Amica auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $3,167 $1,089 One speeding ticket, good credit $4,114 $1,372 One at-fault crash, good credit $3,957 $1,505 One DUI, good credit $11,783 $3,661 Clean driving record, poor credit $9,541 $1,854
Best if you need to make a claim: NJM
NJM boasts high customer satisfaction and low complaints, but it is available in only five states.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Far fewer than expected
Available in: CT, MD, NJ, OH, & PA.
Why drivers looking for quality service might like NJM: NJM almost earned the highest possible score in our analysis for customer experience. NJM earns far fewer complaints from policyholders compared to its size, and it’s at the top of the Mid-Atlantic region (which includes Maryland) for customer satisfaction in the J.D. Power Auto Insurance Study.
NJM offers a few optional types of car insurance, including gap insurance and rideshare insurance. If you’re looking to bundle your auto insurance coverage —and earn a discount while you’re at it — NJM offers home, condo and renters insurance in Maryland.
Don’t pick NJM if: You haven’t done a quotes comparison yet. We don’t have rates for NJM in Maryland. That said, NJM offers a great set of discounts, which could help you keep your rates down.
» Read the full review: NJM auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,215 $863 One speeding ticket, good credit $2,904 $1,152 One at-fault crash, good credit $2,402 $942 One DUI, good credit $2,904 $1,152 Clean driving record, poor credit $3,760 $1,681
Best for coverage options: Travelers
Full coverage
$142 /month
Liability only
$57 /month
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, & WI.
Why Travelers' selection of coverage options stands out: There are lots of ways to personalize a Travelers car insurance policy. Travelers’ add-ons may include new car replacement, gap insurance, non-owner coverage, rideshare insurance and one of two tiers of accident forgiveness.
The cost of Travelers car insurance in Maryland may also be cheaper than average for many drivers. We found that good drivers as well as those with a recent accident or driving violation may pay less, on average, for car insurance with Travelers than with other companies.
Don’t pick Travelers if: You’re prioritizing customer experience in your auto insurance search. Although Travelers earns fewer complaints from policyholders than expected for its size, it scores below average for customer satisfaction on the J.D. Power Claims Satisfaction study.
How much is Travelers car insurance in Maryland? The average cost of car insurance from Travelers for someone with a clean driving record is $142 per month, or $1,702 per year in Maryland for full coverage. That’s compared to the statewide average of $3,085 per year.
» Read the full review: Travelers auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $1,702 $686 One speeding ticket, good credit $2,267 $842 One at-fault crash, good credit $2,382 $903 One DUI, good credit $2,570 $965 Clean driving record, poor credit $3,159 $1,159
Best regional insurance company: Erie
Full coverage
$188 /month
Liability only
$69 /month
The company is popular with consumers but operates in only 12 states and Washington, D.C.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Close to expected
Available in: DC, IL, IN, KY, MD, NC, OH, PA, TN, VA, WI, & WV.
Why Erie is the best: Erie is available in only 12 states, including the District of Columbia. Despite its relatively small size, Erie offers rates and coverage options that rival some larger companies.
Erie car insurance may cost some drivers in Maryland less than average. Erie also offers a great set of discounts, including a number of discounts for young drivers.
As for its insurance options, Erie’s full coverage policies include a deductible waiver to repair damaged glass, and coverage for your personal items. You may also be able to add new car replacement or better car replacement, gap insurance and rideshare coverage. Some drivers might qualify for accident forgiveness, too.
Lastly, Erie ranks in second place (behind NJM) for customer satisfaction in the Mid-Atlantic region of the J.D. Power Auto Insurance Study.
Don’t pick Erie if: You’re looking for a top-rated online experience. Unlike some companies, Erie doesn’t support online claims filing. Erie also ranks below average for service on the J.D. Power Digital Experience Study.
How much is Erie car insurance in Maryland? The average cost of car insurance from Erie for someone with a clean driving record is $188 per month, or $2,253 per year in Maryland for full coverage. That’s compared to the statewide average of $3,085 per year.
» Read the full review: Erie auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,253 $826 One speeding ticket, good credit $2,398 $875 One at-fault crash, good credit $3,608 $1,359 One DUI, good credit $2,398 $875 Clean driving record, poor credit $5,300 $1,852
All of the top-rated insurance companies in Maryland
Despite what many people think, there’s not really one car insurance company that’s the best for everyone. Drivers’ needs are too different for that to be the case. Instead, it’s better to look for the company that works best for you — for your vehicle, driving record, budget and your family’s coverage needs.
We chose a few of the best insurance companies in Maryland that may be worth considering for some drivers. They are:
Company | Star rating |
|---|---|
Best overall car insurance company: GEICO | |
Best runner-up pick: Amica | |
Best if you have to make a claim: NJM | |
Best for coverage options: Travelers | |
Best small or regional insurer: Erie | |
Best for bundling auto and home: State Farm | |
Best for digital features: Progressive | |
Best for teachers: Liberty Mutual | |
Best for senior-age drivers: The Hartford | |
Best for military familiess: USAA* | |
*USAA is only available to military, veterans and their families. | |
What to know about car insurance in Maryland
For the most part, car insurance in Maryland works similarly to other states. It can be useful to understand some basics about car insurance before you shop for coverage. This way, you'll have an idea of the coverage you need and what you might expect after an accident.
Maryland requires drivers to have:
Bodily injury liability insurance: Your policy helps pay for the cost of the injuries that you cause to other drivers. A basic policy in Maryland covers up to $60,000 for a single accident, and up to $30,000 per person involved in the accident.
Property damage liability insurance: This type of insurance helps to pay for damaged property that belongs to other people after an accident you caused. Maryland requires a policy that covers up to $15,000 of damage in a single accident.
You can also add personal injury protection to your policy to help pay for your medical expenses and lost wages. Insurers in Maryland must offer at least $2,500 of personal injury coverage per accident, though you can decide to waive it for yourself and some others in your household.
Most drivers in Maryland need more than the minimum amount of car insurance. A basic policy wouldn’t cover damage to your own car if you caused an accident. You’d need to rely on comprehensive and collision insurance, which covers most types of damage, including theft, to your own car.
The average cost of car insurance in Maryland is $3,085, but it depends on how much coverage you have and your driving record. Other details like your age, where you live, your car and your insurance company can also affect your price.
If you’re interested in estimating what you could pay for car insurance in your part of Maryland, you can check out our calculator below. Enter some basic information about yourself and you’ll see the average rate in your area.
Estimate full coverage rates by ZIP codeEnter your ZIP code to find the average monthly car insurance rate for your area. Rates are for policies that include full coverage for a 35-year-old driver with good credit and a clean driving record.
Average monthly car insurance rate in your ZIP code:
$0If you can’t get car insurance on your own because of your driving record, credit history or another reason, you could get coverage through Maryland Auto. In order to get coverage through Maryland Auto, you must have been denied coverage by at least two insurance companies or have had your policy canceled.
How to get the best car insurance in Maryland
There are many more insurance companies in Maryland than the ones we’ve called out here. If you’re still not sure which one is right for you, or you want to do some research on your own, you can follow these steps to find a car insurance company in Maryland that’s a fit.
Understand the coverage you need. While NerdWallet recommends getting more insurance coverage than what Maryland requires, you’ll want to be careful not to get so much coverage that you’re left paying for more than you need.
Know the type of company that you’re looking for. Some insurers are best suited to drivers looking for cheap rates. Others may be better known for their robust coverage options or consistently reliable service.
Consider other factors that could affect your choice. The insurer that’s best for you may depend on one detail. For example, your list of top companies may change if you work from home and rarely drive, or if you want to find coverage for a newly licensed driver in your family.
Shop around at least once a year. Insurance costs change regularly. For this reason, it’s a good idea to shop around for coverage before you buy a policy and before you renew your existing coverage.
Don’t shy away from smaller insurers. A small, regional insurance company in Maryland may line up best with your coverage needs and budget. An independent agent or broker could help you find local insurance companies in your area.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Auto Claims Satisfaction Study. Accessed Mar 10, 2026.
- 2.J.D. Power. 2025 U.S. Auto Insurance Study. Accessed Mar 10, 2026.
- 3.J.D. Power. Digital Experience Study. Accessed Mar 10, 2026.
- 4.Maryland Department of Transportation Motor Vehicle Administration. Insurance Requirements for Maryland Vehicles. Accessed Mar 10, 2026.
- 5.Motor Vehicle Administration. Insurance Requirements for Maryland Drivers. Accessed Mar 10, 2026.
- 6.Maryland Auto Insurance. Homepage for Maryland Auto Insurance. Accessed Mar 10, 2026.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Here’s how we evaluated each car insurance company and the weights we placed on each category:
Financial strength (30%).
Consumer complaints (30%).
Ease of use (20%).
Affordability (20%).
The best auto insurers excel at all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and provide more than one way to buy and manage a policy. They're financially strong and able to keep their customers happy throughout the relationship.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are median rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
In states where required, minimum additional coverages were added. 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 only the minimum coverage required by law in the state.
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
We used a 2023 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for 35-year-old drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different.
