Car Insurance in Maryland

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Looking for cheap car insurance in Maryland?

Maryland requires drivers to carry relatively extensive minimum protection—meaning that car insurance rates can be high as a result. Maryland drivers can still find ways to save on car insurance by using Jerry.
Known as “America in Miniature,” driving through Maryland will take you through pretty much every natural sight you’d want to see—whether that’s Chesapeake Bay or the city of Baltimore. And while its dense population makes it easy to explore, it also leads to hiked up car insurance rates
Insurance providers take your location and a variety of other personal factors into account when coming up with your premium. But different providers use different formulas, so comparing multiple quotes is the best way to find a good price.
Jerry is a free insurance shopping app that will automatically generate quotes from 50+ of the top providers in under a minute. Jerry takes care of all the legwork—canceling your old policy and handling the switchover (and renewals!) from start to finish. If you have questions about your coverage, Jerry’s friendly customer service representatives are standing by.
Here are some real quotes from customers in Maryland who saved money with Jerry:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
March 14, 2021Mercedes-Benz E 500 4MaticPikesville37Progressive$230/mo.$95/mo.
August 21, 2021Nissan Murano CrosscabrioletOwings Mills28Progressive$160/mo.$135/mo.
May 27, 2021Mazda 6 TouringUpper Marlboro32ClearCover$256/mo.$152/mo.
July 1, 2021Dodge Journey CrossroadDistrict Heights48Electric$270/mo.$207/mo.
October 11, 2021Chevrolet Malibu LSNottingham39Progressive$287/mo.$237/mo.
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How much does car insurance cost in Maryland?

The average cost of liability-only car insurance in Maryland is $2,707 per year. If you prefer to buy full coverage car insurance in Maryland, you can expect to pay an average cost of $3,439 per year.

How does the annual cost in Maryland compare to the rest of the country?

When comparing these figures to the nationwide averages, it costs $1,764 per year to buy liability-only car insurance and $2,486 per year to buy full-coverage car insurance.
What factors influence car insurance rates in Maryland? Here are a few to consider:
  • High population density: With the 10th highest population density in the country, Maryland has a higher rate of accidents.
  • Severe weather: Maryland is increasingly prone to flooding, which can drive up auto insurance rates.
  • Auto theft: Maryland has seen an increase in car insurance rates, particularly in cities
Here’s how Maryland’s insurance savings stack up against nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
MD$3,005$1,997$2,648$1,731$3,292$2,444
National Average$2,491$1,672$2,359$1,390$2,763$1,962
MDNational Average
All Coverage Before Jerry
$3,005$2,491
All Coverage After Jerry
$1,997$1,672
Minimum Coverage Before Jerry
$2,648$2,359
Minimum Coverage After Jerry
$1,731$1,390
Full Coverage Before Jerry
$3,292$2,763
Full Coverage After Jerry
$2,444$1,962
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Top auto insurance providers in Maryland

There are numerous excellent insurance providers to choose from in Maryland. Some of the most popular choices include Allstate and Progressive because they have generally affordable rates and quality customer service.
But you might find that a different provider suits your needs better.
Every provider will have different standards that determine what car insurance rates they offer drivers. And even with identical policies, you might find yourself with a different quote from each carrier you go to. Maryland providers will take into account your age, credit score, location, and more when determining your rates.
The type of car you drive can also make a difference in your insurance premiums. Insuring the popular Honda Civc, for example, will cost far less than insuring an expensive car such as the Chevy Corvette. If your car has a lower initial value, then the cost of repairs and replacement parts will also be cheaper.
Regardless of what you may be looking for, Jerry is there to find you the best car insurance rates in Maryland. Here are some of the amazing prices we have found for our Maryland customers:
Insurance Company
Average Cost
Annual Savings with Jerry
Kemper$4,087$2,260Compare Prices
National General$4,032$1,315Compare Prices
Safeco$3,914$1,257Compare Prices
Allstate$3,238$1,244Compare Prices
Nationwide$3,577$1,103Compare Prices
Travelers$3,292$987Compare Prices
State Auto$3,509$356Compare Prices
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What car insurance do you need in Maryland?

In Maryland, drivers are required to carry minimum liability insurance before they can hit the road. The minimum coverage requirements are as follows:
CoverageAmountDescription
Bodily injury liability$30,000 per person / $60,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$15,000 per accidentCovers the costs associated with damage you cause to other people’s vehicles or property
Uninsured/underinsured motorist bodily injury$30,000 per person / $60,000 per accidentReimburses you for bodily injury-related expenses stemming from an accident caused by an uninsured driver
Uninsured motorist property damage coverage$15,000If an uninsured driver causes damage to your vehicle, yard, fence, or home, this coverage helps pay for the repair or replacement cost.
You could face a number of penalties if caught driving without insurance, including:
  • Fines of up to $500.
  • Suspension of your registration and license plates with possible vehicle impoundment.
  • If you’ve had more than one offense, you could face up to 1 year of jail time.
While you may think having the minimum required liability coverage in Maryland is sufficient, there’s no guarantee that it will cover all the expenses associated with an accident. If you can afford to buy more coverage, then you should.
Maryland drivers should also consider the following insurance:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Roadside assistanceCovers the costs associated with a breakdown
No matter what kind of coverage you’re looking for, Jerry can help you save money on your auto insurance.
Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will help cancel your old policy for you, and to ensure you always have the lowest rate, will even send you new quotes every time your policy comes up for renewal.
Now that we’ve covered the basics, let’s go over what to keep in mind for insurance in Maryland.

How is your cost of car insurance determined in Maryland?

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
What young drivers in Maryland need to know
  • In Maryland, young drivers are disproportionately involved in fatal car accidents—this added risk is why insurers charge higher premiums to young drivers.
  • By taking a defensive driving course, young drivers can help to lower their risk and their premiums.
  • Young drivers who are able to maintain a high average could also be eligible for a good student discount.
And 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
Average Cost
Annual Savings with Jerry
18-20$3,333$1,018
21-24$2,969$932
25-34$2,845$940
35-44$2,879$817
45-54$2,696$960
55-64$2,221$750
65+$2,559$997
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Cost to insure your car in Maryland with a poor 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.
Here are some of the cheapest rates that those with poor driving records have been able to obtain thanks to Jerry:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,688$1,111
DUI$5,268$2,450
Driving on Sus. License$5,640$2,400
Wrong Way/Wrong Lane$5,088$1,877
Failure to Obey Traffic Sign$5,670$1,669
Speeding over 15$4,654$1,496
Careless Driving$5,484$1,472
Speeding under 15$4,487$1,294
Illegal Turn$3,600$1,184
Defective Equipment$4,860$1,007
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Cost to insure your car in Maryland based on where you live

Just as car insurance rates vary by state, they can also vary by city and ZIP code.
Residents of Baltimore will end up paying more than their Gaithersburg counterparts due to higher rates of accidents, thefts, and claims in urban centers.
But no matter where you live in Maryland, finding affordable car insurance is always possible with Jerry:
City
Average Cost
Annual Savings with Jerry
Baltimore$3,076$950
Frederick$2,686$1,179
Gaithersburg$2,645$896
Hyattsville$3,068$968
Laurel$3,097$1,088
Oxon Hill$3,364$790
Randallstown$2,923$899
Rockville$2,325$759
Silver Spring$2,981$934
Temple Hills$2,550$660
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Cost to insure your car in Maryland based on the type of car you drive

Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
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, due to a lower initial value and cheap replacement parts.
But Maryland drivers behind the wheel of a luxury vehicle, such as the Audi A6 Premium Plus, will end up paying more for their insurance as costs will be pricier in the case of an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Hyundai Sonata GLS$3,669$1,886
Lexus IS 250$3,744$1,386
Ford Explorer XLT$3,075$1,136
Nissan Altima 2.5$3,171$937
Volkswagen Jetta SEL$3,940$858
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How to save money on car insurance in Maryland

No matter your driving history or personal financial situation, there are always ways for you to bring down the cost of your car insurance in Maryland.

Shop around for quotes

The best way to save money on your car insurance is by comparison shopping and obtaining quotes from multiple insurance companies.
But doing this can lead to filling out long forms online and making repetitive calls to numerous insurance agents. If you want cheap car insurance quotes fast, look no further than Jerry.
A licensed broker, Jerry does all the hard work of finding cheap quotes from 50+ of the top insurance companies in the nation. Jerry will even help you cancel your old policy.
And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price. This level of service is why Jerry has become the top insurance app in the country.
No long forms. No calling around. No hard work. Just savings.

Look for discounts

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:
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.

Increase your deductible

You can help to lower your premium by increasing your deductible—which is the amount you have to pay for a claim before your insurance covers things.
Before inquiring about raising your deductible, be sure to ensure you can afford to pay the deductible in full whenever making a claim.

Registering your car in Maryland

If you want to register a car in Maryland, you need to prepare the following items of paperwork:
  • Driver’s license or IRD card
  • Proof of insurance
  • Proof of sales tax payment
  • Car title or signed lease agreement
  • Proof of a safety inspection
  • Smog test certificate, depending on the age of the vehicle
Once you have the paperwork, you can head to the DMV to register your vehicle. It’s a good idea to make an appointment beforehand. You’ll have to complete a registration form with details about your vehicle and personal information when you’re there.
Annual vehicle registration is required in Maryland.

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