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Updated on Nov 23, 2024

Kianna Walpole

Expert Insurance Writer & Editor

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance quotes in Maryland
Cheapest car insurance companies in Maryland
Minimum car insurance requirements for liability and full coverage in Maryland
Car insurance premium by rating factors
How do different factors impact your car insurance costs in Maryland?
How to find cheap Maryland car insurance if you’re a high-risk driver
How to find cheap Maryland auto insurance after a DUI
Cheapest Maryland auto insurance based on insurance history
Cheapest car insurance for drivers with poor credit
Cheapest Maryland car insurance by age
How to find car insurance discounts in Maryland for your motor vehicle
Is it cheaper to insure a new car or a used car?
How to find cheap car insurance in Maryland in your city
How to lower the cost of car insurance in Maryland
FAQs
Methodology
Meet our experts

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How to find the cheapest car insurance quotes in Maryland

The average cost of car insurance in Maryland is approximately $91 per month for liability-only coverage, and $192 per month for full coverage. Compared to the national average, Maryland drivers pay 15% for car insurance.

Keep in mind, this is an average, and not necessarily what you’ll pay. To find what your premium costs, you need to start by

comparing quotes

. Only, with dozens of popular insurance companies to choose from, finding the best rate can be tricky—but not with Jerry.

Thousands of Maryland drivers trust Jerry Insurance Agency to help them find the best rates on car insurance without the hassle.

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Travelers	$129	Jesse, 35 Frederick, MD	Volvo XC90 T6	• State Minimum Liability • Comp / Collision
Allstate	$126	Pearl, 26 Havre De Grace, MD	Chevrolet Cruze LT	• 50,000/100,000 Liability • Comp / Collision
Nationwide	$213	Jon, 40 Baltimore, MD	Nissan Rogue Sport S	• 50,000/100,000 Liability • Comp / Collision
AAA	$101	Jack, 39 Germantown, MD	Honda CR-V EX	• 100,000/300,000 Liability
Infinity	$319	Bess, 35 Fort Washington, MD	Dodge Challenger R/T	• 10,000/20,000 Liability

Last Updated Nov 21, 2024

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Cheapest car insurance companies in Maryland

If you’re looking for the best

car insurance

, Jerry conducted a national insurance survey to uncover the best providers for drivers.

The study found that there’s no “best” or “cheapest” insurance provider for all drivers. Every insurance company emphasizes different variables to calculate rates, so not every company will offer the same rate for the same driving profile.

In Maryland, customers rated Kemper the highest for customer satisfaction, claims processing, and policy cost, but ROOT, USAA, State Farm, and Travelers also scored well.

Here’s what drivers have to say about these insurance providers.

Insurance company	Date	Cost rating (out of 5)	What our customer said:
Farmers	November 20, 2024	4	"It started the 19th of October but I love how easy Jerry help me to sign up." -Sean
Plymouth Rock	November 18, 2024	5	"Amazing rates for car insurance which no other company near me could match" -Earl
AAA	November 11, 2024	5	"I love this. I'm not paying and arm and a leg to keep my vehicle on the road " -Beatrice
Allstate	November 10, 2024	3	"They consistently keep raising the price " -Bernice
AAA	November 10, 2024	4	"Help me with a great deal " -Violet

Last Updated Nov 20, 2024

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

To find car insurance quotes online without the hassle of phone calls and emails, the most convenient method is to use a comparison app or website.

Jerry is the country’s leading

car insurance comparison app

, making finding and comparing insurance quotes online quick and hassle-free. Jerry partners with more than 50 top providers and has 100+ licensed insurance agents to help you find the best coverage for the best rate, 24/7.

Minimum car insurance requirements for liability and full coverage in Maryland

To legally drive in Maryland, all drivers must meet the state’s minimum insurance requirements before getting behind the wheel. Maryland only requires drivers to purchase liability car insurance,

uninsured/underinsured motorist coverage (UM/UIM)

, and personal injury protection (PIP), but they may also choose to purchase

full-coverage auto insurance

for greater financial protection.

Cheapest minimum liability coverage in Maryland

Maryland’s car insurance laws

require drivers to carry minimum liability insurance that follows a 30/60/15 pattern—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

On average, Maryland drivers pay around $91 per month, or $1,090 per year for a minimum coverage policy. Although these rates are affordable, they are 16% more costly than the national average.

If you’re looking for an affordable insurance policy in Maryland, Jerry recently helped several drivers find liability insurance coverage. Here are some examples:

Progressive

Rosie (25 years old)

Coverage

State Minimum

Fort Washington, MD

Hyundai Elantra SEL

$222

per month

Safeco

Mollie (32 years old)

Coverage

State Minimum

Hyattsville, MD

Hyundai Elantra SE

$343

per month

AAA

Allen (29 years old)

Coverage

State Minimum

Hyattsville, MD

Toyota Corolla Cross XLE

$243

per month

Travelers

Jesse (35 years old)

Coverage

State Minimum

Frederick, MD

Volvo XC90 T6

$129

per month

National General

Roy (54 years old)

Coverage

State Minimum

Montgomery Village, MD

KIA Forte LX

$303

per month

Clearcover

Carlos (61 years old)

Coverage

State Minimum

Delmar, MD

KIA Soul

$283

per month

Do you need more than the minimum liability insurance coverage in Maryland?

Maryland law mandates that drivers must have liability insurance that meets the minimum coverage car insurance requirements, in addition to UM/UIM and PIP. While the coverage limits are higher than in some states, drivers should purchase insurance coverage that exceeds the 30/60/15 minimum.

Medical bills and vehicle damages can easily exceed the state-mandated minimum if you're involved in an at-fault accident. A serious crash where your car is totaled can leave you with a bill of more than $50,000, meaning you’re on the hook for paying anything above the state minimum.

For better financial protection, Maryland drivers should consider purchasing a full-coverage policy—or at least increasing their liability insurance limit to 50/100/50 or even 100/200/100.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Cheapest full coverage Maryland auto insurance quotes

Generally, a full coverage policy costs about $192 per month, or $2,299 annually—which is currently 15% more than the national average. However, the benefits attached to a full coverage policy can’t be understated.

Buying a full coverage car insurance policy is one of the quickest and easiest ways to protect yourself against costs associated with vehicle repair or replacement if you’re involved in an accident.

A full coverage policy in Maryland usually includes

comprehensive

and

collision coverage

Collision insurance: Covers the cost of repairs to your vehicle or, in the event of a total loss, will issue you the fair market value of your car before the accident. Collision coverage is subject to a deductible.

Comprehensive insurance: Covers the cost of damages to your car resulting from causes other than an accident, including theft, vandalism, glass breakage not resulting from an accident, or hitting an animal or sign with a car. This coverage is also subject to a deductible.

If you lease your vehicle, most lenders will require you to purchase a full coverage policy that includes collision and comprehensive coverage.

Here are a few recent examples where Jerry helped Maryland drivers find affordable full-coverage insurance policies.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• 50,000/100,000 Liability • Comp / Collision	Progressive	$142	Louisa, 33 Germantown, MD	Infiniti M37 X
• State Minimum Liability • Comp / Collision	Bristol West	$592	Lydia, 35 Baltimore, MD	Chevrolet Malibu LT
• 50,000/100,000 Liability • Comp / Collision	National General	$506	Jayden, 34 Oxon Hill, MD	KIA Sportage LX
• 100,000/300,000 Liability • Comp / Collision	Clearcover	$227	Brett, 36 Brooklyn, MD	Mercedes-Benz C 300 4matic
• State Minimum Liability • Comp / Collision	Gainsco	$192	Amanda, 36 Severn, MD	Toyota Corolla

Last Updated Nov 21, 2024

Maryland car insurance: Additional coverages

Uninsured/underinsured motorist protection and personal injury protection (PIP) are mandatory in Maryland. Drivers are required, at minimum, to have uninsured motorist coverage of $30,000 per person per accident and $60,000 total per accident for bodily injury, and $15,000 per accident for property damage.

Drivers are also required to purchase minimum PIP coverage of $2,500.

In addition to the required coverages in Maryland, here are some other types of insurance coverages to consider:

Medical payments (MedPay) (usually won’t kick in until your PIP is exhausted)

Rental reimbursement

Towing and labor

Transportation expense

If you have a loan on your car:

Gap insurance

will cover the difference between the car's actual cash value and the amount you still owe if the vehicle is totaled in a crash or stolen.

MORE:

Types of insurance

Not in Maryland?

Delaware car insurance

New Jersey car insurance

Pennsylvania car insurance

Virginia car insurance

West Virginia car insurance

Connecticut car insurance

North Carolina car insurance

New York car insurance

Car insurance premium by rating factors

Insurance providers use rating factors to determine premiums for various age groups. Some of the most common factors affecting rates include:

Driving record and claims history: Insurance companies charge more if you have accidents or tickets on your driving record.

Vehicle location: Rates for drivers in cities are usually higher than in rural areas. Rates also vary based on your ZIP code, even in the same city.

Vehicle make and model: Luxury, high-performance, and sports cars have higher insurance premiums than non-luxury and less expensive ones.

How you use your car: Cars driven for work generally have higher insurance premiums than cars driven for leisure.

Your credit score: Some states look at credit score before quoting insurance premiums—drivers with higher credit scores usually pay less for the same insurance coverage.

How do different factors impact your car insurance costs in Maryland?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Maryland currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Maryland:

How to find cheap Maryland car insurance if you’re a high-risk driver

Whether major or minor, a driving violation on you record can have significant implications for your car insurance rates.

A driver with violations on their driving record is considered a “high-risk driver” and is subject to higher insurance rates.

Cheapest car insurance for Maryland drivers with a speeding ticket

The penalty for speeding in Maryland depends on how fast you were driving over the posted limit, but all cases of speeding come with a fine and driving points in your record:

Amount over speed limit	Fine	Demerit points
Minor speeding	$90	1 demerit point
1-9 mph over limit	$80	1 demerit point
10-19 mph over limit	$90	2 demerit points
20-29 mph over limit	$160	2 demerit points
30-39 mph over limit	$290	5 demerit points
40+ mph over limit	$530	5 demerit points

Speeding tickets are never ideal and can do serious damage to your driving record, and your rates. Drivers in Maryland who have a speeding ticket on their driving history can experience rate increases as high as $265 per month for full coverage.

But just because that’s the average rate increase, it doesn’t mean that’s what you have to pay—with Jerry, it’s possible to find cheaper premiums even with violations.

Check out the table below for real-life examples of how Jerry helped Maryland drivers with speeding tickets save on car insurance.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Speeding 1-5	Progressive	$151	Emma, 28 Elkridge, MD	• State Minimum Liability
Speeding 6-10	Safeco	$246	Jeanette, 39 Waldorf, MD	• 50,000/100,000 Liability • Comp / Collision
Speeding 11-15	Gainsco	$338	Roger, 27 Gaithersburg, MD	• State Minimum Liability
Speeding 16-20	Safeco	$235	Eunice, 39 Laurel, MD	• 100,000/300,000 Liability • Comp / Collision
Speeding 21+	Clearcover	$265	Carolyn, 23 Hampstead, MD	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 20, 2024

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Fast response to questions, problems solved quickly

John

Switching to National General was SO easy and it saved me over $100/month!

Courtney

Got a decent rate for my Tesla Model S from Travelers.

Kishore

Safeco has provided great service as my current carrier.

Marcus

How to find cheap Maryland auto insurance after a DUI

A serious traffic violation like a

DUI in Maryland

can considerably increase your car insurance premium, as a DUI lumps you into the “high-risk driver” category. If an insurer is willing to insure you, you’ll typically pay a much higher premium than drivers without a DUI—approximately $256 per month, compared to the average $192 for full coverage.

The best way to secure an affordable rate with a DUI on your record is to

shop around for car insurance quotes

from various providers.

Jerry has helped several drivers with a DUI find affordable insurance rates.

Travelers

Betty (59 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Salisbury, MD

Honda Civic LX

$150

per month

AAA

Madge (33 years old)

DUI

Coverage

State Minimum

Essex, MD

Nissan Versa S

$322

per month

Gainsco

Caleb (43 years old)

DUI

Coverage

State Minimum

Grantsville, MD

Jeep Compass Sport

$118

per month

Bristol West

Luella (50 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Silver Spring, MD

Volvo XC60 3.2

$198

per month

National General

John (54 years old)

DUI

Coverage

State Minimum

Montgomery Village, MD

KIA Forte LX

$303

per month

Electric

Caroline (57 years old)

DUI

Coverage

100,000 per person

300,000 per accident bodily injury

Stevensville, MD

Infiniti I30

$151

per month

Maryland SR-22 insurance

If you have a major violation on your Maryland driving record you may need to file an

SR-22

before you can regain your license. Insurance providers issue SR-22s to high-risk drivers as proof that they carry the minimum required car insurance in Maryland.

SR-22s are usually required for the following violations:

Driving without insurance

Driving without a valid driver’s license

DUI or DWI

conviction

Hit-and-run

Reckless driving

Distracted driving

Repeated driving violations

An at-fault collision leading to death or injury

Once you have an SR-22 certificate, your premium costs will increase—and in Maryland, it’s generally a substantial amount. Most drivers in Maryland with an SR-22 certificate pay an average of $254 per month for full coverage car insurance.

But don’t lose hope. While it may be difficult to find insurance with an SR-22, you can still get cheaper than average rates using Jerry.

MORE:

How to request your driving record in Maryland

How to find cheap car insurance in Maryland after an at-fault accident

Your driving record has a significant impact on how much you pay for car insurance, and if you have any at-fault accidents, you’ll likely see a higher rate. Insurers look at any at-fault accidents you’ve had to determine how much of a risk you are. The more at-fault accidents, the more high-risk you are. When it’s time to renew your policy, you’ll likely see an increase in your premium.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
At Fault With Injury	Progressive	$365	Mina, 32 Salisbury, MD	• State Minimum Liability
At Fault With No Injury	Allstate	$136	Josephine, 33 Mechanicsville, MD	• 100,000/300,000 Liability
Not At Fault	Nationwide	$77	Luis, 62 Bel Air, MD	• State Minimum Liability
At Fault With No Injury	Safeco	$182	Emma, 29 Upper Marlboro, MD	• State Minimum Liability • Comp / Collision
At Fault With Injury	State Auto	$95	Willie, 50 Curtis Bay, MD	• 50,000/100,000 Liability

Last Updated Nov 23, 2024

FAQs

Is Maryland a no-fault state?

No—According to the

state’s car accident laws

, Maryland is an at-fault state, meaning that if you’re involved in a crash, the person at fault is responsible for paying for the other people’s injuries and property damage resulting from the accident. Additionally, drivers in Maryland can pursue a lawsuit against the driver at fault for even basic expenses.

Cheapest auto insurance after other violations in Maryland

A DUI or speeding ticket can lead to a spike in car insurance rates for Maryland drivers. However, it’s not just major violations that cause increases. Failing to stop at a stop sign, driving without insurance, or driving without a license are all violations that can increase premiums.

The table below showcases other violations and their average monthly costs in Maryland.

Violation	Average monthly coverage cost
Illegal turn	$169
Driving on suspended license	$203
Operating vehicle without permission	$220
Careless driving	$260

Check out some examples of how Jerry helped drivers with violations find affordable insurance.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Careless Driving	Progressive	$231	Alice, 49 College Park, MD	Nissan Altima 2.5	• State Minimum Liability
Cell Phone	Allstate	$136	Richard, 33 Mechanicsville, MD	Ford Focus SE	• 100,000/300,000 Liability
Defective Equipment	AAA	$115	Dean, 32 Parkville, MD	Chevrolet Trax 1LT	• State Minimum Liability
Driving on Sus. License	Safeco	$237	Bruce, 26 Fort Washington, MD	Toyota Prius	• 100,000/300,000 Liability
DUI	National General	$87	Harriett, 33 Westminster, MD	Honda Accord SE	• 50,000/100,000 Liability
Failure to Obey Signal	Clearcover	$205	Chris, 24 Annapolis, MD	Honda Accord LX-S	• 50,000/100,000 Liability • Comp / Collision
Illegal Turn	Progressive	$145	Anthony, 35 Silver Spring, MD	Nissan Armada SE	• State Minimum Liability
Improper Passing	Nationwide	$203	Carlos, 49 Belcamp, MD	Nissan Sentra S	• 50,000/100,000 Liability • Comp / Collision
Leaving scene of an Accident/Hit and Run	National General	$274	Sylvia, 29 Oxon Hill, MD	Toyota Camry L	• 50,000/100,000 Liability • Comp / Collision
Reckless Driving	Electric	$385	Genevieve, 25 Upper Marlboro, MD	Dodge Challenger SXT	• 100,000/300,000 Liability • Comp / Collision
Seat Belt	Nationwide	$171	Beulah, 63 Gaithersburg, MD	Nissan Pathfinder S	• 50,000/100,000 Liability • Comp / Collision
Speeding 16-20	Bristol West	$124	Vincent, 27 Westernport, MD	Chevrolet Trax 1LT	• State Minimum Liability
Speeding 11-15	Gainsco	$338	Isabelle, 27 Gaithersburg, MD	Audi A4 Premium	• State Minimum Liability
Suspension	Clearcover	$201	Francis, 22 Bel Air, MD	BMW 335 XI	• 100,000/300,000 Liability
Wrong Way/Wrong Lane	Electric	$175	Frances, 22 Frederick, MD	Chevrolet Cruze Premier	• 50,000/100,000 Liability • Comp / Collision
Other Major	Travelers	$393	Martha, 34 Baltimore, MD	Toyota Camry SE	• 100,000/300,000 Liability • Comp / Collision

Last Updated Nov 23, 2024

Cheapest Maryland auto insurance based on insurance history

Your insurance history—or how long you’ve had insurance—is also used to determine your auto insurance rate. The longer you’ve been continuously insured, the lower your car insurance premium will be.

Insurers want to know that you haven’t had a

lapse in insurance coverage

, which can label you as a “high-risk driver” and cause a drastic increase in your insurance premium. Did you know that on average, drivers with a lapse in their coverage pay around $385 per month for full coverage policies at renewal or reinstatement?

However, with Jerry, you will be notified when a payment is coming up to help you avoid missing a payment or having a lapse in insurance coverage.

Regardless of your insurance history, Jerry helps Maryland drivers find significant savings on a new insurance policy. Check out how we helped these customers!

Progressive

Allen (65 years old)

Currently Insured

Coverage

State Minimum

Hyattsville, MD

Honda CR-V EX

$100

per month

Travelers

Myra (27 years old)

Not Currently Insured

Coverage

State Minimum

Baltimore, MD

Hyundai Sonata SE

$392

per month

AAA

Amelia (29 years old)

Currently Insured

Coverage

State Minimum

Hyattsville, MD

Toyota Corolla Cross XLE

$243

per month

AAA

Lillie (31 years old)

Not Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Gaithersburg, MD

Lexus ES 300H

$190

per month

National General

Tommy (26 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Baltimore, MD

Nissan Sentra S

$137

per month

State Auto

Trevor (31 years old)

Not Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Clarksburg, MD

Infiniti G37

$151

per month

Cheapest car insurance for drivers with poor credit

Not every state uses credit score to determine car insurance premiums, but they can be used to determine the likelihood of a driver filing a claim. In Maryland, insurance companies can consider credit scores when setting premiums—but they can’t deny you coverage, cancel your policy, or increase rates upon renewal.

On average, drivers with scores under 600 pay rates that are 42% higher than drivers with scores over 700. If you have a poor credit score and want cheap car insurance, shopping around with a comparison app or website can help you find the best rate.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$88	Austin, 30 Gaithersburg, MD	Honda CR-V EX	• 50,000/100,000 Liability • Comp / Collision
660 - 750	AAA	$243	Jeffrey, 29 Hyattsville, MD	Toyota Corolla Cross XLE	• State Minimum Liability
550 - 659	Nationwide	$213	Mathilda, 39 Rosedale, MD	Nissan Rogue Sport S	• 50,000/100,000 Liability • Comp / Collision
< 550	Safeco	$125	Dora, 42 Nottingham, MD	Hyundai Sonata Sport	• 100,000/300,000 Liability • Comp / Collision

Last Updated Nov 23, 2024

Cheapest Maryland car insurance by age

How much you pay for car insurance depends on many factors, including your age. Drivers 16 to 19 are subject to some of the highest insurance premiums of any age group due to lack of driving experience.

After 25, more driving experience means your car insurance rates will start to decline. They’ll stay at their lowest until you reach your 60s, when your premiums will start to increase again.

USAA, GEICO, and Travelers generally offer affordable rates for drivers, but it still pays to shop around to find the best rate for you.

Cheapest Maryland car insurance for young drivers

Teen drivers aged 16-19 tend to have the highest insurance rate of any age bracket in Maryland. Less road experience leads to a higher risk of accidents and, therefore, a higher risk of claims.

Teen drivers under 18 pay an average of $633 per month for minimum coverage, compared to drivers 18 to 21, who pay around $365 per month. For a full coverage policy, these rates increase to $712 per month and $670 per month respectively.

While premiums tend to decrease by age 25, until then, young drivers can share a policy with a household member, and look into student discounts to achieve lower costs.

Still, because of the added risk that comes with being a new driver, we recommend drivers under 19 purchase a full-coverage policy that offers more financial protection.

MORE:

The best cheap car insurance for teens in 2023

Progressive

Hannah (24 years old)

Coverage

State Minimum

Aspen Hill, MD

Nissan Sentra SV

$254

per month

AAA

Mildred (21 years old)

Coverage

State Minimum

Silver Spring, MD

Ford Explorer XLT

$302

per month

Allstate

Bruce (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Essex, MD

Chevrolet Cruze LT

$288

per month

Travelers

Ora (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Pylesville, MD

Lexus IS 350

$200

per month

Safeco

Glenn (24 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Middle River, MD

Honda Accord Sport

$291

per month

National General

Ivan (24 years old)

Coverage

State Minimum

Lusby, MD

Nissan Kicks S

$206

per month

Cheapest Maryland car insurance for senior drivers

Although senior drivers may have an abundance of driving experience, car insurance rates are at their highest for drivers 60+.

That’s because seniors are at a higher risk of mortality, hospitalization, and medical expenses from car accidents—and they also have slower reflexes that increase the risk of accidents. A higher risk on the road means higher costs for insurers and higher premiums for older drivers.

In Maryland, senior drivers between 55 and 64 pay approximately $100 per month for minimum coverage, while those 65 and over pay an average of $103 per month. The same pattern also shows in full coverage costs, with drivers paying $203 per month and $208 per month respectively.

To find cheap senior car insurance, consider using the Jerry app. Here are some real rates policyholders found through Jerry:

Progressive

Daisy (70 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Centreville, MD

KIA Forte LX

$280

per month

AAA

Genevieve (65 years old)

Coverage

State Minimum

Baltimore, MD

Lincoln LS

$398

per month

Travelers

Philip (67 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Odenton, MD

Nissan Murano S

$119

per month

Clearcover

Gabriel (70 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Glen Burnie, MD

Volkswagen Passat SE

$235

per month

Bristol West

Francisco (72 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Waldorf, MD

Nissan Altima 2.5

$125

per month

National General

Lucy (72 years old)

Coverage

State Minimum

Glen Burnie, MD

Hyundai Sonata Sport

$217

per month

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

I always shared a good relationship with progressive

Jeffrey

The policy offered is about $40 cheaper than my previous car insurance carrier.

Tyler

I like this insurance a lot

Krista

I love this. I'm not paying and arm and a leg to keep my vehicle on the road

Eason

How to find car insurance discounts in Maryland for your motor vehicle

Your vehicle’s make and model can heavily influence the cost of car insurance. Generally, the more expensive your car is, the more expensive insurance will be. Other factors associated with your car that can increase insurance rates include:

Repair or replacement costs

Likelihood of theft

Safety rating

Take a look at the table below to see the average cost of car insurance for a few of Maryland’s most popular vehicles:

Vehicle type	Average monthly coverage cost
Honda CR-V	$153
Honda Civic	$173
Honda Accord	$189
Toyota Camry	$190
Nissan Altima	$219

MORE:

How to get car insurance before buying a car

Is it cheaper to insure a new car or a used car?

While the value of a car generally decreases with age, insurance doesn’t always follow suit. Insurance rates are determined by how much an insurer would have to pay if the car was damaged, so a more expensive car with higher repair costs means a higher insurance rate.

Newer cars with more safety features can also help to lower rates.

Generally speaking, newer cars are more expensive to insure than older cars. At Jerry, we found that Maryland's average full coverage insurance cost for a car older than 10 years is $3,260 per year in Maryland. The average cost for insuring a car less than 4 years old goes up to $4,973 a year.

Progressive

Adeline (29 years old)

2005 Toyota Scion TC

Coverage

State Minimum

Salisbury, MD

$174

per month

Safeco

Jeanette (48 years old)

2003 Chevrolet Silverado C1500

Coverage

State Minimum

Silver Spring, MD

$97

per month

Allstate

Robert (33 years old)

2005 Toyota Camry Solara SE

Coverage

50,000 per person

100,000 per accident bodily injury

Baltimore, MD

$135

per month

Travelers

Cornelia (32 years old)

2005 Dodge RAM 2500 ST

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Dundalk, MD

$137

per month

Nationwide

Randy (51 years old)

2004 GMC Yukon

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Cambridge, MD

$104

per month

Clearcover

Steve (54 years old)

2005 Acura MDX Touring

Coverage

50,000 per person

100,000 per accident bodily injury

Baltimore, MD

$232

per month

How to find cheap car insurance in Maryland in your city

Your location can also influence how much you pay for car insurance. Certain areas are subject to higher crime rates, which means a larger payout for insurance companies. Urban areas also see higher insurance rates than rural areas.

On top of that, where you park your car also contributes. If your car is parked in a secure location, there’s less risk of damage or theft, so you may see a lower insurance rate than drivers who park on the street.

In addition to crime, factors like population density, accident rates, and weather also influence insurance premiums in Maryland.

Check out the table below to see the average monthly cost for the cheapest zip codes in Maryland.

Cheapest ZIP codes	Average monthly coverage cost
21666	$31
21152	$40
21917	$40
21640	$41
21669	$41

Check out the table below to see the average monthly cost for the cheapest zip codes in Maryland.

Most expensive ZIP codes	Average monthly coverage cost
20757	$228
21223	$234
21205	$245
21284	$255
21084	$374
21733	$397

How to lower the cost of car insurance in Maryland

Finding affordable car insurance can be tricky, but with the right tips, you can find the best rate without sacrificing coverage. Jerry’s team of experts has gathered the best tips to help you save on car insurance:

Shop around and compare quotes between auto insurance companies.

Look at insurance policy costs before buying a car.

Increase your deductible for comprehensive and collision insurance.

Reduce coverage on older vehicles.

Bundle your car and homeowners insurance to get a discount.

Improve your credit score.

Take a defensive driving course.

Ask about car insurance discounts, such as good driver discounts, online payment discounts, or low mileage discounts.

MORE:

11 Ways to lower car insurance

Why is car insurance so expensive in Maryland?

Maryland is the fifth-most expensive state for car insurance. Here are some contributing factors to high insurance rates:

High highway density

Large urban population density

High state minimum car insurance requirements

High vehicle theft rates

High uninsured driver rate

FAQs

How much is car insurance in Maryland?

The average car insurance cost for minimum liability coverage in Maryland is $176 per month and $2,107 per year. The average cost for full coverage insurance in Maryland is $233 per month and $2,798 per year.

Who has the best cheap car insurance in Maryland?

Several factors influence insurance rates, meaning no single insurance provider will offer the best rate for every driver, as shown by Jerry’s survey of over 15,000 car insurance policyholders—the largest insurance shopping study in the industry.

However, Jerry found that Kemper, ROOT, and National General offer some of the most competitive rates for auto insurance policies in Maryland.

To find cheap auto insurance, try comparing quotes from at least three insurance companies using an insurance comparison app like Jerry.

Can you get car insurance without a license in Maryland?

It’s possible to buy insurance on a vehicle you own even if you don’t have a Maryland driver’s license, but you’ll need to exclude yourself as a driver on the policy. List the primary driver as the named insured, instead.

What is the cheapest form of insurance in Maryland?

The cheapest type of insurance is the state minimum liability insurance. But even though this is all you’re legally required to carry, it’s almost always a good idea to purchase higher levels of coverage to ensure you’re financially protected after an accident.

Do you need insurance to register a car in Maryland?

Before you can register a car in Maryland, you must show proof of valid car insurance that meets the minimum insurance requirements. If you don’t already have auto insurance, you’ll need to

buy an insurance policy before you buy a new car

To register your vehicle in Maryland, you’ll need to bring the following

documents

to your local DMV:

Completed car application for a certificate of title

Valid car insurance

Proof of ownership

Inspection certificate

Lien information

Odometer reading information

Maryland safety inspection certificate

Power of attorney

What is the minimum car insurance required in Maryland?

All Maryland drivers must carry liability insurance that follows the 30/60/15 pattern—$30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, and $15,000 property damage liability per accident. Drivers must also have uninsured motorist coverage of at minimum, $30,000 per person per accident and $60,000 total per accident for bodily injury, and $15,000 per accident for property damage. Drivers are also required to purchase minimum PIP coverage of $2,500.

Do I need uninsured/underinsured motorist protection in Maryland?

Yes, UM/UIM is mandatory in Maryland. On top of liability insurance, Maryland drivers are required to have at least $30,000 per person and $60,000 total per accident for bodily injury, and $15,000 per accident for property damage.

Does insurance follow the car or the driver in Maryland?

Auto insurance in Maryland

follows the car, not the person

. If someone who is not on your insurance is driving your vehicle and gets into an accident, your insurance policy will cover the cost of damage and medical expenses—if you have full coverage—up to your policy limits.

What does full coverage car insurance consist of in Maryland?

A full-coverage car insurance policy in Maryland usually refers to a policy that exceeds the state’s minimum requirements but also includes optional collision and comprehensive coverage. If you’re a young driver or have a relatively new vehicle, we recommend investing in a full-coverage policy for more financial protection.

Can you have out-of-state car insurance in Maryland?

Maryland does allow drivers to use out-of-state insurance, but upon becoming a Maryland resident, drivers have 60 days to their insurance policy or shop around for a new one.

Is PIP required in Maryland?

No, personal injury protection (PIP) is not required in Maryland, but having it as additional coverage can be helpful in the event of an accident. This auto insurance coverage helps with the costs of medical treatment if you or your passengers are injured in an accident, regardless of who was at fault. If you don’t have healthcare insurance, PIP can reduce financial stress from a car accident.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

Kianna Walpole

Expert Insurance Writer & Editor

Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.

Sarah Gray

Licensed Insurance Agent — Expert Insurance Writer and Editor

Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.

Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

Learn more

about our editorial standards, and our expert review board

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.