include national providers like Allstate, and Travelers plus a newcomer, Clearcover—and while State Farm, USAA, and Bristol West don’t make our best-of list, they may offer great rates for you.

In Maryland, national insurance providers like Allstate and Travelers earn top ratings for claims handling and customer satisfaction.
Some of the most affordable Maryland car insurance providers are GEICO and Clearcover—but there isn't one single car insurance company that can guarantee the cheapest rates for everyone.
Shopping for quotes with 3–5 different insurance companies is the best way to find low car insurance rates on coverage that meets your needs.

MORE:

Best insurance companies of 2023

Travelers

Real 5-star customer review:

"Thanks to Jerry, I went from paying almost $500 to a little over $200 with Travelers! I got identical full coverage for two cars. That is amazing!" —Jeannine Q.

Overall Jerry rating in Maryland: 4.9

J.D. Power customer satisfaction: 822/1000

AM Best Financial Strength: A++

NAIC complaint index (June 2023): Fewer than expected

Available in 42 states with 24/7 online claims filing, Travelers is one of the most popular auto insurance companies in Maryland. It excels in customer service rankings, esspecially in the quote and insurance policy purchasing processes. This company offers a ton of discounts and gets great reviews among young drivers in particular.

The cost of insurance with Travelers is not the cheapest in the bunch, but the variety of coverage options (including new car replacement and rental coverage) as well as the comparatively short claims resolution time could make it well worth the money. Plus, this company earned fewer complaints than other companies on this list.

Allstate

Real 5-star customer review:

"Jerry helped me cut my rate almost in half by switching me to Allstate for the same coverage. I highly recommend this app to anyone." —Drewe E.

Overall Jerry rating in Maryland: 3.8

J.D. Power customer satisfaction: 825/1000

AM Best Financial Strength: A+

NAIC complaint index (June 2023): More than expected

You know you’re in good hands with Allstate, one of the top-rated insurance companies in Maryland and throughout the US. This company has a strong reputation for customer service and nifty perks like the

Drivewise

program to earn discounts for safe driving. Allstate earns high praise from Jerry users for its easy renewal process, too.

The only drawback is the cost of a policy. Allstate’s premiums are usually more expensive than average. But this company could be the right pick for someone with a clean driving record who values quick, high-quality customer service.

GEICO

Real 5-star customer review:

"I’ll keep this simple for you. They literally saved me $100 a month. Jerry is an amazing platform." —Indiana L.

Overall Jerry rating in Maryland: 4.2

J.D. Power customer satisfaction: 818/1000

AM Best Financial Strength: A++

NAIC complaint index (June 2023): More than expected

If you want great customer service as well as affordable prices, then GEICO could be the right fit for you. This company gets great ratings for customer service and perfect ratings for the claims handling process. Plus, GEICO offers intuitive online tools for savvy policyholders who prefer to manage their accounts without talking to someone on the phone.

You can get standard auto policies like liability coverage and

property damage liability coverage

from GEICO, but some special coverages are not available (

such as gap insurance

). Furthermore, local agent support could be limited in areas outside of Baltimore.

Clearcover

Real 5-star customer review:

"I took a shot with Jerry and I’ve never been more happy! I was paying $350, and Jerry found me a Clearcover plan at $105. If saving $245 each month isn’t great news, I don’t know what is." —Wyatt K.

Overall Jerry rating in Maryland: 4.5

J.D. Power customer satisfaction: Not ranked for Maryland market

AM Best Financial Strength: A-

NAIC complaint index (June 2023): More than expected

Relatively new to the industry, Clearcover is making waves with its online-only service. In addition to car insurance, it offers several other valuable coverages like roadside assistance and rideshare coverage. Rates appear to be relatively affordable with super fast claims resolution and above-average ratings in nearly every category.

The only concern is the number of customer complaints on file with the NAIC. The rate is much higher than the national average. However, Clearcover remains a straightforward option for Maryland drivers who need basic car insurance coverage—or rideshare coverage—with minimum fuss.

Progressive

Real 5-star customer review:

"It never occurred to me to look for more insurance quotes, but I’m so happy I saw Jerry. After using the app, I am saving $2000+ a year through my new Progressive plan. It blew my mind!" —Jarod M.

Overall Jerry rating in Maryland: 4.2

J.D. Power customer satisfaction: 814/1000

AM Best Financial Strength: A+

NAIC complaint index (June 2023): About expected

Flo is available to support you 24/7/365 with Progressive’s industry-leading customer support service. This popular company offers a variety of insurance products, which means you can unlock

insurance discounts

for bundling auto with home and renters insurance. Data shows that drivers with

DUIs

might find the best rates with Progressive, but it depends on your driver profile.

Policyholders report less-than-average satisfaction with rates, noting very high premiums for teen drivers especially. But Progressive could be the right pick for someone with violations on their

driving record

or who needs usage-based insurance in Maryland.

How to save on your Maryland auto insurance

There's no one-size-fits-all "cheapest auto insurance" option in Maryland. Your premiums are like a fingerprint—unique to you and influenced by factors such as your vehicle, driving history, location, and coverage choices.

To ensure you're locking in the best rates, scout quotes from a minimum of 3 to 5 insurance providers before you commit. Jerry's got your back with a nifty

insurance comparison app

that streamlines this process. We've got a vast network encompassing more than 50 top insurers nationwide and we're here to hunt down those sweet deals for you.

Don't forget, your premiums can also shimmy up or down based on the discounts you qualify for. Ask your trusty insurance agent about potential savings, whether it's bundling your home or renters insurance with your auto coverage, flaunting your academic prowess as a good student, or diving into a telematics program.

All drivers can follow

Maryland traffic laws

, avoid at-fault accidents, and avoid speeding tickets to keep a clean driving record and get cheap car insurance.

The bare minimum coverage in Maryland car insurance is not enough

While you can save on the cost of car insurance by sticking to the state minimum car insurance requirements, you could end up unprotected in the event of a serious car accident.

It’s almost always a good idea to increase your liability coverage limits, and if you drive a newer vehicle, you’ll be best protected by getting a

full coverage policy

(aka comprehensive coverage and collision coverage).

For even more protection, consider adding the following coverage types:

Roadside assistance

Rental car reimbursement

Personal injury protection and

uninsured motorist coverage

are required in Maryland.

Methodology:

Jerry’s content editors analyzed 23 of the top insurers in Maryland and chose the best based on a combination of scores from JD Power, AM Best, NAIC, and Jerry’s own nationwide carrier survey.

FAQs

What are the cheapest car insurance companies in Maryland?

No car insurance company holds the golden ticket to the cheapest rates for all. Your premiums are a mixed bag, influenced by factors like your driving record, the make and model of your vehicle, your location, driving habits, and the nifty driver discounts you snag.

The coverage you choose for your auto insurance policy also has a major impact on your auto insurance rates—especially your deductible for a full coverage policy.

Note that credit score is not a factor in calculating premiums in Maryland. Good credit and poor credit applicants may be quoted similar coverage rates. High-risk drivers may find affordable car insurance premiums with a provider that specializes in this service, such as Erie Insurance or Kemper.

How much is car insurance in Maryland?

The average annual premium for minimum liability coverage in Maryland is $2,068 and the average cost of car insurance with a full coverage car insurance policy in Maryland is $2,802.

Are you overpaying for car insurance?

Compare quotes and find out in 45 seconds.

Try Jerry