Maryland

Cheap Car Insurance in Maryland in 2022

At CheapInsurance.com we’ve put together information, tips, and price comparisons to help you find cheap Maryland car insurance.

Often referred to as “America in Miniature,” Maryland has a wide variety of natural features. In 1919 when Marylanders opposed the alcohol prohibition, it also gained the title “Free State.”

This is a nickname that symbolizes Maryland’s tradition of political freedom and religious tolerance.

 

Is It Expensive to Take Out Car Insurance in Maryland?

Maryland auto insurance premiums are about 5% higher than the national average of $1,730, making it one of the more expensive states for car insurance.

In Maryland drivers pay an average of $1,818 per year, or $152 per month, for car insurance. 

Rates vary on an individual basis, depending on your:

  • Driving history.
  • Credit history.
  • Marital status.
  • Age.
  • Gender.
  • Vehicle type.
  • Insurance provider.
  • Location within the state.
  • Coverage type.
 

To help you find the best deals on car insurance in the state, we’ve compared quotes from these car insurers:

  • Elephant.
  • State Auto.
  • Bristol West.
  • AAA Insurance.
  • Liberty Mutual.
  • Allstate.
 

Because the cost of car insurance is dependent on your individual driving profile, we’ve gone a step further and compared the auto insurance costs in Maryland for these types of drivers:

  • Good drivers (those with a clean driving record).
  • Young drivers (those aged between 16 and 25).
  • High risk drivers (those with a history of traffic violations).
 

Is It Legal to Drive without Car Insurance in Maryland?

Car insurance is mandatory in Maryland. Every driver is required to carry three types of auto insurance:

  • Personal liability insurance.
  • Uninsured/underinsured motorist coverage.
  • No-fault insurance.

 

In Maryland, driving without insurance is a misdemeanor criminal offense. 

If you drive without proof of insurance (such as an insurance card) you will get a ticket even if your vehicle is actually insured.

In addition to potentially expensive fines, you could face jail time which may cause you to lose your license. 

  • A conviction on a first offense can carry five points on your license, a $1,000 fine and up to one year in jail.
  • If you’re facing a second offense, a conviction carries an additional five points, two years in jail and a fine of $2,000.
 

The license reinstatement fee in Maryland is $100.

 

Who Is Liable After an Accident in Maryland?

If you are involved in a car accident which you caused, you will pay the other driver’s damages.  You will receive damages from the other driver if they caused the crash.

These damages may include, but are not limited to, the following:

  • Medical bills.
  • Property damage.
  • Lost wages.

Typically, the driver who is legally to blame for an accident is responsible for the financial costs of injuries and other damages caused. 

In most cases, the insurance company of the at-fault motorist pays for any harm resulting from the accident.

Key Point: At-Fault Insurance

States like Maryland that have at-fault vehicle insurance are known as tort states. 

An at-fault accident is a car accident caused by a driver’s negligence. Legally, negligence is defined as failing to take reasonable care to prevent harm to another person.

Examples of negligence on the road include:

  • Driving under the influence of drugs or alcohol.
  • Not stopping at a red light.
  • Speeding.
  • Texting and driving.
 

In tort states, the insurance company of the at-fault driver pays for repairs, medical expenses, and other costs. Property damage is also covered by the at-fault driver’s insurance.

Minimum Liability Insurance

Minimum liability auto insurance is designed to protect third parties and their property from damage you may cause while driving. 

However, it does not cover any damages to your own vehicle.

While each U.S. state will have different minimum coverage car insurance requirements, it always addresses three key points:

  • Bodily injury liability coverage per person: This covers medical bills, legal fees, or lost wages you might be required to pay to an individual third party.
  • Bodily injury coverage per accident: This is the maximum amount your insurer will pay out for medical bills, legal fees, or lost wages in the event of an accident, regardless of how many people are injured.
  • Property damage coverage per accident: This is the maximum amount your insurer will pay out for repairs or a replacement if you cause damage to another person’s property.
 

Currently, Maryland requires minimum liability limits of 30/60/15:

  • $30,000 for bodily injury per person.
  • $60,000 per accident for bodily injury.
  • $15,000 per accident for property damage.
 

If you want additional protection, you may want to consider the following insurance options:

  • Collision insurance: This covers any damage to your vehicle related to the accident.
  • Medical payment coverage: This type of insurance will help pay for your medical bills following an accident.
  • Uninsured motorist insurance: If you are involved in an accident with a driver who doesn’t have coverage or has too little, this will help cover the costs associated with the accident.
  • Comprehensive insurance: If you purchase this option you’re covered for damages to your car, someone else’s car and injuries in an accident, regardless of who is at fault. Comprehensive car insurance also covers you against fire and theft.
 

How Much Does the Minimum Car Insurance Cost in Maryland?

Car insurance costs in Maryland can vary considerably based on factors such as your age, driving history, ZIP code, make and model of vehicle, and credit score.

All drivers in Maryland have to meet the minimum coverage of car insurance. 

Key Point: Is Minimum Liability Coverage Enough?

While it may seem like a good idea to save money by getting only the minimum liability insurance required to comply with Maryland law, this may not be sufficient in many instances.

Let’s look at an example. The Maryland minimum coverage for bodily injury liability is $30,000. 

If you’re in a serious accident which you have caused and you need to cover $45,000 of the other party’s medical bills, you will have to pay $15,000 from your pocket.

Remember, liability insurance only protects third parties and doesn’t reimburse you if your car is stolen, damaged, or totaled.

Minimum liability insurance is popular because you pay much cheaper car insurance premiums than other types of insurance, such as comprehensive coverage. 

However, it only covers the other driver’s injuries and property damage.

It does not include protection for damage to your vehicle or any injuries sustained by you or your passengers. 

Cheaper premiums might make minimum coverage auto insurance seem like the best option, but if you’re involved in an accident you could end up paying more out of pocket in the long run.

We have found that on average, the cost of a minimum liability car insurance policy in Maryland is $280.41.

Elephant offers the lowest insurance rates for minimum liability coverage on average, costing $169.25.

Cheapest Minimum Liability Car Insurance in Maryland

Provider

Montgomery County

Prince George’s County

Baltimore County

Anne Arundel County

Baltimore City/County

Average

Elephant

$156.00

$165.00

$202.00

$154.00

N/A

$169.25

State Auto

$237.00

$294.00

$259.00

$185.00

$396.00

$274.20

Bristol West

$438.00

$490.00

$515.00

$387.00

$868.00

$539.60

AAA Insurance

$147.00

$251.00

$210.00

$208.00

$354.00

$234.00

Liberty Mutual

$177.00

$195.00

$183.00

N/A

N/A

$185.00

Find Cheap Comprehensive Car Insurance in Maryland

Although comprehensive car insurance coverage is optional in Maryland, you should be wary of overlooking it unless you have savings that can cover damage to your vehicle in the event of the following: 

  • Theft or theft of parts.
  • Non-crash damage (natural disasters, fire, flooding).
  • A broken windshield.
  • Car damage from hitting an animal.
 

Without full coverage car insurance, you risk finding yourself in a situation where you are unable to drive your car because you cannot afford to repair it.

We found that on average, the cost of a comprehensive car insurance policy in Maryland is $307.34.

The cheapest insurance companies in Maryland are:

  • Elephant with average rates of $189.
  • Liberty Mutual with average rates of $207.67.
  • Allstate with average rates of $233.75.
 
Cheapest Full Coverage Insurance in Maryland

Provider

Montgomery County

Prince George’s County

Baltimore County

Anne Arundel County

Baltimore City/County

Average

Elephant

$172.00

$184.00

$230.00

$170.00

N/A

$189.00

State Auto

$271.00

$332.00

$299.00

$210.00

$463.00

$315.00

Bristol West

$505.00

$557.00

$598.00

$439.00

$1,026.00

$625.00

AAA Insurance

$170.00

$287.00

$245.00

$242.00

$424.00

$273.60

Liberty Mutual

$197.00

$217.00

$209.00

N/A

N/A

$207.67

Allstate

$219.00

$234.00

$242.00

$240.00

N/A

$233.75

Cheap Car Insurance in Maryland for Drivers with Clean Driving Records

You can qualify for good driver car insurance in Maryland if you have a history of safe driving. 

If your motor vehicle record is free of accidents and claims you represent a low risk for the insurance company, resulting in lower premium costs. 

Companies may offer one or both of two common types of good driver discounts:

  • Car insurance discounts for avoiding violations for a certain number of years.
  • A discount for avoiding accident claims for a certain number of years.
 

Some of the best car insurance companies will also offer an additional discount if you have completed an accredited defensive driving course.

We looked at the average car insurance rates offered by car insurance companies for good drivers. The three best car insurance companies for good drivers are:

  • Elephant, the cheapest car insurance company, with average rates of $180.50.
  • Liberty Mutual with average rates of $187.
  • Allstate with average rates of $222.25. 
 
Cheapest Car Insurance for Good Drivers (Clean Driving Records) in Maryland

Provider

Montgomery County

Prince George’s County

Baltimore County

Anne Arundel County

Baltimore City/County

Average

Elephant

$165.00

$176.00

$218.00

$163.00

N/A

$180.50

State Auto

$256.00

$315.00

$280.00

$199.00

$431.00

$296.20

Bristol West

$470.00

$522.00

$555.00

$413.00

$942.00

$580.40

AAA Insurance

$161.00

$273.00

$231.00

$229.00

$400.00

$258.80

Liberty Mutual

$179.00

$196.00

$186.00

N/A

N/A

$187.00

Allstate

$210.00

$220.00

$228.00

$231.00

N/A

$222.25

Cheap Car Insurance in Maryland for High-Risk Drivers

Car insurance companies use the term “high risk” to describe drivers who are more likely to make a claim against their auto insurance policy. 

Some of the offenses that may lead to being considered a high-risk driver include: 

  • Receiving a DUI conviction.
  • Reckless driving.
  • Speeding tickets.
  • Driving without meeting the minimum liability coverage requirements.
  • A poor credit rating.
  • Unpaid insurance policy premiums.
 

If you are a high-risk driver, Maryland car insurance companies are likely to increase the cost of your auto insurance rates. 

We’ve done the hard work of comparing quotes from various insurers to help you find the best rate. 

  • The cheapest auto insurance company for high-risk drivers is AAA Insurance at $268.80.
  • The most expensive car insurance company for high-risk drivers is Bristol West at $787.20.
 
Cheap Auto Insurance for High Risk Drivers in Maryland

Provider

Montgomery County

Prince George’s County

Baltimore County

Anne Arundel County

Baltimore City/County

Average

Elephant

$273.00

$292.00

$368.00

$268.00

 

$300.25

Bristol West

$638.00

$715.00

$752.00

$564.00

$1,267.00

$787.20

AAA Insurance

$234.00

$298.00

$250.00

$208.00

$354.00

$268.80

Cheapest Car Insurance in Maryland for Young Drivers 

Young drivers are, by default, less experienced than older drivers. Their inexperience poses a higher risk to insurance companies, so their car insurance is often more expensive.

We’ve compared the cost of car insurance for young drivers to help you save on auto insurance costs. The cheapest car insurance for young drivers is Elephant at $217.

Cheap Auto Insurance for Young Drivers in Maryland

Provider

Montgomery County

Prince George’s County

Baltimore County

Anne Arundel County

Baltimore City/County

Average

Elephant

$200.00

$211.00

$261.00

$196.00

N/A

$217.00

Bristol West

$748.00

$819.00

$880.00

$654.00

$1,476.00

$915.40

AAA Insurance

$642.00

$793.00

$686.00

$568.00

$649.00

$667.60

Need Cheap Car Insurance in Other States?

Out-of-state auto insurance is illegal in almost all U.S. states and is considered to be insurance fraud. This means that your car insurance must be registered in the state in which you live. 

 Some of the penalties for committing insurance fraud include:

  • Up to five years in prison.
  • A $50,000 fine.
 

If you plan to move from Maryland, you will need to find a new car insurance company in the state you move to. 

You will usually have a 90-day grace period to cancel your Maryland auto insurance and get car insurance in your new state. 

To find the best insurance rates in other U.S. states, read our articles below:

Florida

California

New York

Georgia

Michigan

Nevada

Top Tips for Finding Affordable Car Insurance

Consider How You Use Your Car

If you only use your car to drive short distances to work or the grocery store, most types of standard car insurance should cover your needs. 

If you have unique needs, you should check whether your car insurance company covers these requirements.

 Unique needs include:

  • Multiple drivers sharing one car.
  • Using your car for ridesharing.
  • Using your car for work-related deliveries.
 

Compare Quotes from Different Car Insurance Companies

It’s always a good idea to shop around before making a decision about car insurance.

Although you can do the research yourself, going through an insurance agent can save you a lot of time and money.

The only way to be completely certain that you’re getting the best rates on your car insurance is to compare quotes from multiple insurers. 

To save time, you can go through a licensed insurance agent or compare quotes from different insurance providers by using our online quote finder.

 

Be on the Lookout for Benefits

When taking out insurance, pay attention to the questions the agent asks. 

You may be offered a car hire option whereby in the event of an accident, you receive a courtesy vehicle within the same group as your current vehicle for 30 days.

This may be included in your premium at an additional cost. Some insurers offer benefits such as roadside assistance or take-me-home services.

 

Top Car Insurance Companies in Maryland

Bristol West

Founded in 1973, Bristol West’s national reach makes it one of the top ten biggest insurance companies in the U.S. 

They’re a member of the Farmers Insurance Group of Companies, an $11.6 billion insurance company. 

Bristol West was originally created to provide high-risk drivers with affordable insurance policies, and it has since expanded its services to all types of drivers.

Some of the benefits offered by Bristol West include:

  • Multiple policy bundling discounts.
  • Personalized car insurance policies.
  • Rideshare coverage.
  • Medical payments.
  • Gap coverage.
  • Towing and roadside assistance.
 

Get a personalized car insurance quote

 

State Auto 

Since 1921, State Auto has expanded into a $3 billion organization. The company takes great pride in being innovative and doing things differently, especially when it comes to: 

  • Overall customer service.
  • Customer flexibility.
  • Innovation and technology.
 

The company provides car insurance policies in 33 U.S. states, and it also offers homeowners insurance, personal insurance, and umbrella insurance. 

Start your own personalized Quote

 

Car Insurance in Maryland FAQs

Do I need to have car insurance in the state of Maryland?

Like car accident laws, car insurance requirements vary from state to state. In Maryland, every motorist must carry the following:

  • Bodily injury liability coverage: $30,000 per person and $60,000 per accident.
  • Property damage liability coverage: $15,000 per accident.
  • Uninsured/underinsured motorist insurance: $30,000 per person and $60,000 per accident.
  • Uninsured/underinsured property damage coverage: $15,000 per accident.
 

Should you get the cheapest car insurance in Maryland?

The cheapest car insurance companies are not always the best option for your needs. 

You may find a company that offers the best balance between affordability and excellent customer service, but it could be more expensive than the cheapest insurer.

You can save on premiums by choosing a minimum coverage policy, but you risk paying more out-of-pocket costs if your car is damaged.

 

What is the best auto insurance company in Maryland?

Determining the best auto insurance company in Maryland comes down to individual preferences and needs.

When choosing the best auto insurance consider what is most important to you, such as price, coverage offerings, available discounts or customer satisfaction.

The best car insurance company may not have the cheapest rates, but may excel in another important area for you.

 

Is car insurance expensive in Maryland?

To find the cheapest car insurance in Maryland, we recommend comparing insurance quotes from multiple companies.

This can be a time-consuming process, so save time and find the best deals by starting a free quote.

 

What happens if the person at fault in an accident has no insurance in Maryland?

If you’re hit by an uninsured driver in Maryland, your own insurance company will pay for damages up to the amount stated in your policy. 

In other words, your own insurance will take the place of insurance for the at-fault driver.

Uninsured motorist coverage will protect you if someone driving without insurance causes damage to your property or injures you or your passengers. 

Uninsured motorist coverage also applies when another driver damages your vehicle or injures you and leaves the scene of the accident without being identified. 

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If you’re a new driver or new resident in Maryland, you’re sure to be on the hunt for cheap car insurance that gives you the coverage you need. Look no further! Cheap Insurance is here to help you find the right car insurance coverage for any situation. Request a free quote to get started.

Quick Maryland Car Insurance Facts

Maryland is one of the most expensive states for car insurance, but that doesn’t mean you can’t find affordable coverage (with a little research). Here are some important facts you should know about car insurance coverage in Maryland:

Minimum Maryland Car Insurance Coverage

Maryland law requires minimum insurance for bodily injury and property damage liability. All drivers in the state must carry at least the following car insurance coverages:

Bodily injury: $30,000 for one person or $60,000 for 2 or more people

Property damage: $15,000

Getting Cheap Car Insurance In Maryland

Are you having trouble finding cheap car insurance in Maryland? Here are some tips to help you find adequate coverage on a budget.

  1. Be a good driver: The fewer tickets and traffic incidents you have, the lower your monthly premium will be.
  2. Shop among several car insurance providers: Every provider has different prices and offerings, so be sure to shop around.
  3. Decrease your mileage: The more time you spend driving, the higher your driving risk—and the higher your premium.
  4. Maryland insurance programs: Find out if you qualify for state-sponsored discount programs.

Maryland Car Insurance Discounts

The state of Maryland offers some car insurance discounts, including:

Good Driver: Drivers with a good record could qualify for discounted premium rates.

Good Student: Teen or young adult drivers in Maryland can qualify for discounted car insurance—just for having good grades.

FAQ

What is the penalty for driving without insurance in Maryland?

Uninsured drivers in Maryland could face fines of up to $2,500 per vehicle and have their license and registration suspended.

What is driving like in Maryland?

There are almost 4.5 million drivers in Maryland, of which 14% are uninsured. The state has an average of 484 fatal car accidents per year.

How can I save money on my car insurance policy in Maryland?

Maryland drivers could save money by asking their car insurance provider about discounts related to:

  • Having a good driving record
  • Driving a car with safety devices
  • Driving a car with anti-theft devices
  • Insuring multiple cars
  • Being a good student
  • Taking driver education courses
  • Using a renewal discount
  • Choosing a high deductible

Other Types of Coverage

Minimum coverage may not be adequate for your driving needs. Consider additional coverage in Maryland, such as:

Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)

Medical Payments Coverage

Physical Damage Coverage

Additional Kinds of Coverage 

Endorsements and Riders

  • Towing and road service
  • Rental car reimbursement 
  • Gap insurance

Cities We Cover In Maryland

You don’t have to look far for cheap car insurance in Maryland! Find us in this town near you:

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