Cheapest Insurance in Maryland 2021

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  • Find cheapest car insurance Maryland
  • Best insurance companies
  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discounts
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
With a relatively high population density and extensive minimum insurance requirements, annual premiums in Maryland are fairly high. Comparing providers is the best way to find affordable coverage.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Maryland. And if you want to learn more about car insurance rates in Maryland, keep reading.
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Find the cheapest car insurance in Maryland with Jerry

Insurance companies weigh factors like your demographics and personal profile, vehicle make and model, driving record, and where you live when they set their premiums. And each of them does it a little differently, which is why comparing insurance quotes from different companies is important.
Here’s how much Jerry customers were paying for car insurance in Maryland before they compared quotes and switched plans with Jerry:

Best insurance companies for cheap insurance in Maryland with Jerry

Insurance Company
Before Jerry
After Jerry
Plymouth Rock
$1,380$1,116
Mercury
$2,730$1,432
Kemper
$3,623$1,915
Allstate$3,038$1,971
Travelers$3,031$2,237
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Maryland.

Cheapest minimum coverage car insurance in Maryland

The minimum required insurance coverage varies depending on your state laws. In Maryland, drivers must have the following:
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $15,000 property damage liability per accident
  • $15,000 uninsured motorist property damage protection
  • $5,000 personal injury protection (PIP)
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Maryland:
Before Jerry
After Jerry
$3,860$2,488
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Additional coverages you might want to consider when shopping for car insurance in Maryland

Risk factorCoverage to consider
Severe weatherMaryland is increasingly prone to flooding. Comprehensive insurance covers your vehicle for any weather-related damage, including flooding, winter storms, and more.
High population densityWith the 10th highest population density in the country, collision insurance is a good idea to protect your vehicle in case of an accident.
Maryland has thorough minimum insurance requirements, but if you can afford to increase the coverage amounts, doing so is a good idea.

Best carriers for minimum coverage car insurance in Maryland

Driving without the mandatory minimum insurance in Maryland will get you in hot water. Penalties if you’re caught include up to $2,000 in fines, administrative assessment fees that increase the longer you go without insurance, license suspension or revocation, and even jail time.
Driving without insurance in Maryland is a misdemeanor—and there’s no need to do it, since it’s entirely possible to find affordable premiums.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Maryland:
Insurance Company
Before Jerry
After Jerry
Allstate$2,811$1,512
Progressive$3,613$2,373

Cheapest full coverage car insurance in Maryland

While Maryland includes coverage like uninsured motorist and personal injury protection in its minimum requirements, getting full coverage with increased limits is usually a good idea.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$3,906$3,106
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Best carriers for full coverage car insurance in Maryland

Most insurance companies offer a wide range of coverages, so finding the right full coverage insurance in Maryland shouldn’t be difficult. The best way? Comparing a few different providers.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Maryland:
Insurance Company
Before Jerry
After Jerry
Kemper
$2,208$1,352
Travelers$2,493$1,981
Nationwide$2,632$2,324
Safeco$3,279$2,413
Progressive$3,459$2,642
Allstate$4,320$3,060
State Auto
$4,898$3,564
Minimum liability coverage is sufficient to drive in Maryland, but securing full coverage can provide you with peace of mind and greater financial protection.

Cost to insure your car in Maryland by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
In Maryland, young drivers are disproportionately involved in fatal car accidents, many of which are the result of some combination of speeding, distracted driving, failure to wear seatbelts, or driving under the influence.
This added risk is why insurers charge higher premiums to young drivers.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$3,116$2,136
21-24$2,858$2,013
25-34$2,780$1,856
35-44$2,691$1,830
45-54$2,897$1,722
55-64$2,337$1,553
65+$2,478$1,583
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Cost of insurance for drivers in Maryland with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
In Maryland, points from violations remain on your record for two years. During this time (and sometimes even beyond), insurance companies see you as a high-risk driver and adjust their premiums to reflect that risk.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,552$2,447
Wrong Way/Wrong Lane$1,080$948
DUI$2,871$1,771
Improper Passing$2,959$2,030
Seat Belt$2,376$2,064
Illegal Turn$4,200$2,952
Speeding under 15$4,283$2,986
Driving on Sus. License$5,640$3,240
Speeding over 15$5,120$3,815
Defective Equipment$4,860$3,854

Best carriers for drivers with infractions in Maryland

Insurance Company
Before Jerry
After Jerry
Allstate$3,312$2,091
Kemper
$4,367$2,214
Nationwide$3,651$2,385
Travelers$3,165$2,386
National General
$3,966$2,511
Progressive$3,666$2,634
Safeco$3,976$2,943
State Auto
$4,711$4,179
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Cost of insurance for young drivers in Maryland with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Maryland has a graduated licensing system called Rookie Driver, which requires new drivers to gain driving experience under the supervision of a more experienced driver. It encourages good driving behavior by imposing strict sanctions, including driver improvement classes or license suspension.
Despite this, rates remain high since insurance companies must take on so much additional risk to insure a young driver with a violation on their record.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$4,368$3,056
Illegal Turn$4,200$2,952
Speeding over 15$5,120$3,815
Speeding under 15$5,455$3,837
Defective Equipment$4,860$3,854
Careless Driving$6,609$4,701
Failure to Obey Traffic Sign$6,853$4,985
Other$5,296$3,212
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Maryland, check out these top carriers.

Best carriers for young drivers with infractions in Maryland

Insurance Company
Before Jerry
After Jerry
Nationwide$3,720$2,545
Allstate$4,497$2,594
Travelers$4,170$2,945
Safeco$4,365$3,550
Progressive$4,805$3,603
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
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Types of discounts that might be available to you in Maryland

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Maryland.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
Discount typeWho is eligible?
Defensive driving discountOlder drivers who take an approved driver’s education or defensive driving course to refresh their skills may save up to 10% on their premium.
Policy bundling discountIf you insure more than one product with the same insurer, they’re likely to reward your loyalty with a discount of up to 12% off each policy. The most common bundle is auto and home insurance, but others may qualify too.
Good driver discountIf you have no claims, chargeable accidents, or points on your record, you could save anywhere from 10% up to 30% on your insurance rates.
Winter tire discountPutting snow tires on your vehicle during the winter reduces your risk of a weather-related accident and can help you save on your insurance.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium, but you may need to ask your insurance company which ones you qualify for.

How much does it cost to insure my car make in Maryland?

The Honda Accord tops the list of most popular cars in Maryland. It’s also one of the more affordable types of vehicles to get car insurance for.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
Nissan Altima 2.5$3,241$2,417
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Cheapest car insurance in Maryland by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Maryland state law mandates high minimum liability requirements, including uninsured motorist coverage and personal injury protection. This raises the average cost of insurance across the state.
h(TableStateCheapestCarInsuranceByCity, { cities: ['Baltimore', 'Silver Spring', 'Hyattsville', 'Rockville', 'Frederick', 'Randallstown', 'Laurel' 'Temple Hills', 'Gaithersburg', 'Oxon Hill']})

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.
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