Best cheap Maryland car insurance companies
Geico, Erie and State Farm are the cheapest companies for most people in Maryland.
- Want full coverage? Geico: $158/mo
- Only need minimum liability coverage? Geico: $71/mo
- Want the best customer service? Erie: $185/mo
- Have a speeding ticket? State Farm: $193/mo
- Caused an accident? State Farm: $217/mo
- Need coverage for a young driver? Erie: $169/mo
- Got a DUI? Erie: $216/mo
- Have poor credit? Geico: $226/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest car insurance in Maryland: Geico and USAA
Geico and USAA have the cheapest full coverage insurance quotes in Maryland.
- Geico has the cheapest full coverage rates for most people in Maryland, at $158 per month.
-
USAA has the cheapest full coverage rates for Maryland drivers with military ties, at $103 per month.
However, only military members, veterans and some of their family members can buy car insurance from USAA.
Find Cheap Car Insurance Quotes in Maryland
Cheapest full coverage car insurance in Maryland
Company | Monthly rate |
|---|---|
| Geico | $158 |
| Travelers | $177 |
| State Farm | $180 |
| Erie | $185 |
| USAA | $103 |
USAA is only available to current and former military members and their families.
Data-powered research on Maryland car insurance
| Data-powered research on MD car insurance |
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Cheapest liability car insurance rates in Maryland: Geico
Geico has the best cheap liability car insurance in Maryland.
A policy from Geico costs just $71 per month. That's around $26 per month less than the Maryland average, which is $96 per month.
Military members, veterans and their families can find even cheaper rates at USAA, where a liability-only policy costs $43 per month. That's $28 cheaper per month than a policy from Geico.
Cheapest Maryland liability insurance
Company | Monthly rate |
|---|---|
| Geico | $71 |
| Travelers | $80 |
| Erie | $81 |
| State Farm | $87 |
| USAA | $43 |
USAA is only available to current and former military members and their families.
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Car insurance rates in Maryland by city
Geico has the cheapest full coverage insurance in 81% of cities and towns across Maryland, including Baltimore.
State Farm has the cheapest rates in 10% of Maryland cities, followed by Travelers (7%) and Erie (2%).
Easton has the cheapest car insurance in Maryland. The average cost of car insurance in Easton is $174 per month for full coverage.
Drivers in Gwynn Oak, a Baltimore suburb, pay the most for car insurance in Maryland, at $325 per month. This could be because of the increased traffic and higher crime rates that often come with city living.
Find Cheap Car Insurance Quotes in Maryland
Average car insurance quotes in Maryland by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Baltimore | $321 | Geico | $207 |
| Frederick | $195 | Geico | $131 |
| Gaithersburg | $222 | Geico | $155 |
| Rockville | $211 | Geico | $148 |
| Bowie | $242 | Geico | $166 |
| Hagerstown | $192 | Geico | $134 |
| Annapolis | $215 | Geico | $148 |
| College Park | $260 | Geico | $155 |
| Salisbury | $194 | Geico | $137 |
| Laurel | $233 | Geico | $159 |
| Greenbelt | $253 | Geico | $176 |
| Hyattsville | $286 | Geico | $209 |
| Westminster | $210 | Geico | $149 |
| Abell | $200 | Geico | $140 |
| Aberdeen | $226 | Geico | $162 |
| Aberdeen Proving Ground | $234 | Geico | $162 |
| Abingdon | $227 | Geico | $162 |
| Accident | $193 | State Farm | $137 |
| Accokeek | $258 | Geico | $198 |
| Adamstown | $194 | Geico | $135 |
| Adelphi | $273 | Geico | $199 |
| Algonquin | $184 | Geico | $137 |
| Allen | $189 | Geico | $137 |
| Andrews Air Force Base | $251 | Geico | $144 |
| Annapolis Junction | $224 | State Farm | $166 |
| Annapolis Neck | $216 | Geico | $148 |
| Aquasco | $243 | Travelers | $178 |
| Arbutus | $295 | Geico | $169 |
| Arden on the Severn | $211 | Geico | $148 |
| Arnold | $210 | Geico | $148 |
| Ashton | $216 | Geico | $152 |
| Aspen Hill | $233 | Geico | $165 |
| Avenue | $199 | Geico | $140 |
| Baden | $253 | Geico | $180 |
| Baldwin | $221 | State Farm | $167 |
| Ballenger Creek | $193 | Geico | $131 |
| Barclay | $182 | Geico | $129 |
| Barnesville | $211 | Geico | $148 |
| Barstow | $202 | State Farm | $151 |
| Barton | $188 | State Farm | $134 |
| Beallsville | $215 | Geico | $148 |
| Bel Air | $212 | State Farm | $158 |
| Bel Air North | $210 | State Farm | $155 |
| Bel Air South | $211 | State Farm | $157 |
| Bel Alton | $217 | Geico | $161 |
| Belcamp | $226 | Geico | $162 |
| Beltsville | $261 | Geico | $187 |
| Benedict | $226 | Geico | $161 |
| Benson | $219 | Geico | $162 |
| Bensville | $239 | Geico | $180 |
| Berlin | $175 | State Farm | $134 |
| Berwyn Heights | $255 | Geico | $155 |
Best car insurance in Maryland: Erie
-
Full coverage rate$185/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Claims process10/10Claims rating is based on J.D. Power's claims satisfaction survey and the National Association of Insurance Commissioners complaint index.
-
AM Best ratingAAn A financial strength rating means that a company has an excellent ability to pay customer claims, even in difficult financial situations. This is the third-highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Maryland based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Maryland
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheap auto insurance in MD after a speeding ticket: State Farm
State Farm has the cheapest car insurance for drivers in Maryland with a recent speeding ticket. A full coverage policy from State Farm costs $193 per month after a single speeding ticket. That's $63 per month less than the Maryland average.
Affordable Maryland insurance quotes after a ticket
Company | Monthly rate |
|---|---|
| State Farm | $193 |
| Geico | $204 |
| Erie | $216 |
| Travelers | $238 |
| USAA | $123 |
USAA is only available to current and former military members and their families.
On average, car insurance costs go up by 21% after a single speeding ticket in Maryland. That's an increase of around $44 per month for a full coverage policy.
Cheap auto insurance in Maryland after an accident: State Farm
State Farm has the most affordable car insurance in Maryland for drivers with an accident on their record. A full coverage policy from State Farm costs $217 per month after an at-fault accident, which is $99 cheaper per month than the state average.
Low-cost MD car insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $217 |
| Travelers | $267 |
| Geico | $275 |
| Erie | $296 |
| USAA | $162 |
USAA is only available to current and former military members and their families.
Full coverage rates in Maryland go up by an average of 50% after an at-fault accident.
If you're having a hard time finding auto insurance after a crash, consider getting coverage through the Maryland Auto Insurance Fund.
Don't rush to switch car insurance companies right after your accident. Your rates won't go up until your current policy renews. However, any quotes you get will probably be more expensive since they'll factor in your accident.
It's best to wait to compare quotes until you get your renewal offer in the mail, typically a few weeks to a month before your policy expires. Then, you should shop around to find the best price for you.
Cheapest MD auto insurance for teens: Erie
Erie has the best cheap quotes for Maryland teens.
Erie offers minimum liability coverage for just $169 per month for 18-year-old drivers. That's $89 per month cheaper than the state average for teen drivers. Erie is also the cheapest option for full coverage, at $398 per month.
Maryland teens who are eligible for USAA can get even lower rates. At $104 per month, USAA's minimum liability rate is one-third of the state average for young drivers.
Cheapest car insurance for young drivers in Maryland
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $169 | $398 |
| Travelers | $223 | $497 |
| Maryland Auto | $238 | $682 |
| Geico | $252 | $612 |
| USAA | $104 | $243 |
USAA is only available to current and former military members and their families.
Car insurance for young drivers in Maryland is nearly three times more expensive than for older drivers. That's because young drivers have less experience and are more likely to have risky driving behavior. This means they're more likely to get into an accident.
The best way for teens to save money on their car insurance is to share a policy with their parents or an older relative. This is typically much cheaper than buying two separate policies.
Many insurance companies also offer discounts geared toward young drivers. For example, Erie offers discounts to drivers under 21 who live at home, college students and young drivers who complete a driver training course.
Cheap car insurance in MD for teens with a ticket or crash: Erie
Erie has the cheapest quotes for young drivers in Maryland with a speeding ticket or at-fault accident on their record.
- Speeding ticket: Minimum liability coverage from Erie costs $207 per month for an 18-year-old driver with one speeding ticket. That's $88 per month less than the Maryland state average.
- Accident: Erie also has the cheapest rates after an at-fault accident. Minimum liability from Erie costs $245 per month after a crash, which is $87 per month cheaper than the state average.
If you can't get a quote from Erie, consider Maryland Auto, the state's special insurance company for drivers who can't find coverage elsewhere. It's the second-cheapest option for teens with a crash or a speeding ticket on their record.
Affordable quotes for Maryland teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Erie | $207 | $245 |
| Maryland Auto | $238 | $324 |
| State Farm | $285 | $327 |
| Geico | $294 | $324 |
| USAA | $148 | $184 |
USAA is only available to current and former military members and their families.
Young Maryland drivers who get caught speeding can expect their rate to increase by 14%, on average. Rates for young drivers go up by about 28% after a crash.
Best Maryland auto insurance rates after a DUI: Erie
Erie has the cheapest car insurance rates for Maryland drivers with a DUI. A full coverage policy from Erie costs $216 per month, which is about half the state average.
Geico also offers affordable coverage after a DUI, at $226 per month. Erie doesn't always offer quotes to high-risk drivers, such as people with a DUI.
Best Maryland car insurance quotes after a DUI
Company | Monthly rate |
|---|---|
| Erie | $216 |
| Geico | $226 |
| Travelers | $275 |
| Progressive | $311 |
| USAA | $224 |
USAA is only available to current and former military members and their families.
In Maryland, car insurance rates double in price after a DUI.
Maryland drivers with a DUI will need to get SR-22 insurance. It typically costs between $15 and $50 for an insurance company to file an SR-22 form on your behalf. This is on top of any increase to your car insurance rates.
Cheapest car insurance in MD for drivers with poor credit: Geico
Geico offers the cheapest auto insurance quotes for drivers with poor credit. A full coverage policy from Geico costs $226 per month, which is $181 per month less than the Maryland average.
Company | Monthly rate |
|---|---|
| Geico | $226 |
| Progressive | $325 |
| Travelers | $338 |
| Maryland Auto | $403 |
| USAA | $180 |
USAA is only available to current and former military members and their families.
Maryland drivers with poor credit pay nearly twice as much for insurance as drivers with good credit. Your credit score can impact your auto insurance rate because insurance companies believe drivers with bad credit tend to file more claims.
Maryland state minimum car insurance requirements
Maryland state law requires drivers to have a minimum amount of liability car insurance, often written as 30/60/15. You must also have uninsured and underinsured motorist liability coverage.
- Bodily injury (BI): $30,000 per person and $60,000 per accident
- Property damage (PD): $15,000 per accident
- Uninsured and underinsured motorist BI (UM/UIMBI): $30,000 per person and $60,000 per accident
- Uninsured and underinsured motorist PD (UM/UIMPD): $15,000 per accident
These coverages pay for damage to someone's property or injuries you cause in an accident, up to your policy limits. They also cover your medical bills or damage to your vehicle after an accident with an uninsured driver or a driver whose policy limits aren't high enough to cover all of your damage.
Personal injury protection is not required in Maryland. However, Maryland insurance companies are required to offer a minimum of $2,500 of PIP coverage when writing auto insurance policies. You can waive PIP coverage for yourself, but you typically cannot waive it for passengers riding in your car or any pedestrians or bicyclists you may injure.
If you're involved in an accident and carry PIP insurance, it will cover medical expenses for you and your passengers first, before your medical insurance kicks in.
Often referred to as no-fault insurance, personal injury protection (PIP) in Maryland covers $2,500 of your own medical expenses when you are injured in a crash, regardless of fault, at the state minimum. Maryland is not a no-fault state, though, because it does not limit your right to sue the negligent driver in exchange for this coverage (as no-fault states do).
Below is a table comparing full PIP and limited PIP coverages.
Coverage | Full | Limited |
|---|---|---|
| Medical expenses |
Yes
|
Yes
|
| 85% of lost income |
Yes
|
Yes
|
| Reasonable household services |
Yes
|
Yes
|
| Funeral expenses |
Yes
|
Yes
|
| Policyholder |
Yes
| |
| Spouse |
Yes
| |
| All household members |
Yes
| |
| Household members below age 16* |
Yes
|
Yes
|
Household members living in the same residence who have not limited their PIP in a separate policy
Some Maryland motorists with health insurance find PIP redundant, so they choose to limit PIP coverage to lower their premiums. However, if you're injured in an accident and can't work or perform daily tasks, Maryland's PIP would reimburse you for 85% of your lost income and provide a stipend to cover typical household chores — perks you wouldn't get with your health insurance.
Driving in Maryland and allowing your insurance coverage to lapse can result in both court fines and administrative penalties.
Maryland insurance companies are required to notify the Motor Vehicle Administration (MVA) when a policy is canceled, terminated, or not renewed. In addition to any citation issued for failing to maintain required insurance, the MVA may assess an administrative penalty of up to $2,500 per vehicle per year. The MVA may also suspend your registration, require surrender of your license plates, and prevent you from registering vehicles until the violation is resolved and all penalties are paid.
Potential fines and penalties for driving without insurance in Maryland- Citation for failing to maintain required insurance: $290
- Administrative fees: $200 for the first 30 days and $7 for each additional day, up to $3,500
- Driving privileges: Suspension of your registration until valid proof of insurance is provided. Driver's license may also be suspended if you fail to surrender your car registration and license plates within 10 days of being notified about your insurance lapse
- Other penalties: 5 points on license for knowingly driving an uninsured vehicle
What's the best car insurance coverage for Maryland drivers?
Full coverage car insurance is the best choice for most Maryland drivers.
That's because full coverage car insurance includes collision and comprehensive insurance. These coverages pay for many types of damage to your car, regardless of whose fault it is.
For example, comprehensive coverage is the only way to protect your car from storm damage, such as that from floods or hail.
Most lenders require you to have comprehensive and collision coverage if you have a car loan or lease. It's also a good idea to get these coverages if your car is newer than 8 years old or worth more than $5,000.
Full coverage insurance in Maryland can also include personal injury protection (PIP) insurance. Buying a policy with no PIP coverage will cost less, and it may seem like a smart idea if you have a good healthcare policy. But your health insurance won't pay your living expenses if you're unable to work, while PIP will.
Lastly, full coverage insurance typically has higher liability limits than the state requires. This is important because Maryland's minimum requirements probably aren't high enough to cover the cost of a serious accident.
For example, if you crash into and total an expensive new car, $15,000 of property damage liability coverage won't be enough to replace it. If you only have minimum coverage, you'll have to pay the difference out of pocket.
Frequently asked questions
Who offers the cheapest car insurance in Maryland?
Geico has the cheapest car insurance in 2026 for most Maryland drivers. The company charges an average of $158 per month for a full coverage policy and $71 per month for a minimum liability policy. USAA has cheaper rates, but you can only get USAA if you are current or former military or an immediate family member.
How much is car insurance in Maryland?
The average full coverage auto insurance policy in Maryland costs $211 per month, while a minimum liability policy costs $96 per month.
Who has the best auto insurance in Maryland?
Erie has the best car insurance in Maryland. It has dependable customer service, useful coverage and affordable rates for most drivers. State Farm and USAA are also great options for Maryland drivers.
How much is car insurance in Baltimore?
Drivers in Baltimore pay $321 per month for full coverage car insurance, which is 52% more than the Maryland average.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Maryland for the state's largest insurance companies. Rates are for a 30-year-old man with a 2018 Honda Civic EX who has good credit.
Quotes are for a full coverage policy with the following limits:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured motorist property damage: $15,000 per accident
- Collision and comprehensive: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
