Cheap Car Insurance in Maryland (April 2025)

Written by Ben Moore and 1 other
Updated Mar 26, 2025
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Cheap Car Insurance in Maryland (April 2025)

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Key Takeaways
  • Aspire Advantage, Clearcover and Gainsco offer some of the cheapest car insurance in Maryland.
  • The average cost of minimum coverage in Maryland is around $260 per month.
  • Compare quotes from multiple insurers to find cheap car insurance in Maryland.

You may find cheap car insurance in Maryland from insurers like Aspire Advantage, Clearcover and Gainsco. These companies are regularly among the most affordable options in the state, according to real quotes for Jerry customers.

Here are more cheap providers for both minimum and full coverage, plus by age, driving history and low credit score.

COMPARE CHEAP CAR INSURANCE QUOTES IN MARYLAND

Cheap minimum coverage in Maryland

Here are the most affordable insurers in Maryland for minimum coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $184 $2,211
Dairyland $204 $2,450
Assurance America $216 $2,588
Clearcover $260 $3,118
Electric $270 $3,246
Gainsco $281 $3,370
Progressive $306 $3,675
Bristol West $319 $3,832
The General $323 $3,880
National General $348 $4,175
Last Updated Apr 24, 2025

Minimum car insurance requirements in Maryland

Drivers in Maryland are required to carry these car insurance limits:

  • $30,000 in bodily injury liability per person.
  • $60,000 in bodily injury liability per accident.
  • $15,000 in property damage liability per accident.
  • $30,000 in uninsured motorist coverage per person.
  • $60,000 in uninsured motorist coverage per accident.
  • $15,000 in uninsured motorist property damage per accident.

More: Cheapest car insurance in Baltimore, Maryland

Cheap full coverage car insurance in Maryland

Below are the cheapest auto insurers in Maryland for full coverage.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $281 $3,375
Trexis $326 $3,916
Clearcover $338 $4,056
Progressive $397 $4,761
Dairyland $404 $4,843
National General $491 $5,891
Assurance America $492 $5,909
The General $520 $6,244
Electric $540 $6,476
Gainsco $552 $6,624
Last Updated Apr 24, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Average car insurance costs for young drivers in Maryland

Below are the average costs of car insurance in Maryland for drivers between 18 and 24.

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $693 $8,320
21-24 $492 $5,907
Last Updated Apr 24, 2025

Cheap minimum coverage in Maryland for a 20-year-old

Here are the most affordable insurers in Maryland for 20-year-olds with minimum coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Root $379 $4,547
Electric $424 $5,092
National General $559 $6,705
Progressive $578 $6,938
Gainsco $610 $7,315
Last Updated Apr 24, 2025

Cheap full coverage in Maryland for a 20-year-old

These are the cheapest car insurance companies in Maryland for 20-year-olds with full coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Clearcover $500 $5,996
Gainsco $644 $7,727
National General $821 $9,856
Progressive $823 $9,873
Electric $923 $11,080
Last Updated Apr 24, 2025

Average auto insurance costs for mature drivers in Maryland (25-54)

Below are the average costs of car insurance for drivers in Maryland between the ages of 25 to 54.

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $393 $4,721
35-44 $368 $4,419
45-54 $328 $3,938
Last Updated Apr 24, 2025

Cheapest minimum coverage in Maryland for a 35-year-old

Here are the most affordable insurers in Maryland for 35-year-olds with minimum coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $117 $1,402
Clearcover $197 $2,364
Safeco $198 $2,381
Gainsco $229 $2,745
National General $241 $2,896
Last Updated Apr 24, 2025

Cheapest full coverage in Maryland for a 35-year-old

These are the cheapest car insurance companies in Maryland for 35-year-olds with full coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Clearcover $373 $4,471
Gainsco $389 $4,671
Progressive $480 $5,762
National General $481 $5,774
Root $496 $5,954
Last Updated Apr 18, 2025

Average car insurance costs for older drivers in Maryland (55+)

Below are the average costs of car insurance for drivers in Maryland 55 and older.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $314 $3,768
65+ $369 $4,428
Last Updated Apr 18, 2025

Cheapest minimum coverage in Maryland for a 65-year-old

These are the cheapest car insurance companies in Maryland for 65-year-olds with minimum coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Gainsco $164 $1,964
Electric $201 $2,417
Bristol West $219 $2,627
National General $225 $2,696
Progressive $276 $3,311
Last Updated Apr 25, 2025

Cheapest full coverage in Maryland for a 65-year-old

Here are the most affordable insurers in Maryland for 65-year-olds with full coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $123 $1,476
Clearcover $177 $2,125
National General $377 $4,522
Electric $444 $5,330
Progressive $525 $6,299
Last Updated Apr 25, 2025

Cheapest car insurance in Maryland by driving history

Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or at-fault accident.

Cheap car insurance for drivers with clean records in Maryland

These are the cheapest car insurance companies in Maryland for drivers with clean driving histories, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Anchor General $110 $1,324
First Acceptance $239 $2,868
Assurance America $251 $3,016
Safeco $265 $3,175
Clearcover $271 $3,250
Last Updated Apr 24, 2025

Cheapest car insurance with a speeding ticket in Maryland

Here are the most affordable insurers in Maryland for those with a speeding ticket, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $117 $1,402
Assurance America $150 $1,804
The General $168 $2,021
Safeco $264 $3,172
Clearcover $339 $4,070
Last Updated Apr 23, 2025

Cheapest car insurance after an at-fault accident with no injury in Maryland

These are the cheapest car insurance companies in Maryland for drivers with an at-fault accident with no injury, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Embark General $93 $1,112
Assurance America $161 $1,927
Dairyland $225 $2,697
Trexis $256 $3,075
Safeco $267 $3,207
Last Updated Apr 24, 2025

Cheapest auto insurance after an at-fault accident with injury in Maryland

Here are the most affordable insurers in Maryland for those with an at-fault accident with injury, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Clearcover $366 $4,388
Progressive $520 $6,235
Electric $581 $6,976
Gainsco $625 $7,506
Bristol West $694 $8,324
Last Updated Apr 25, 2025

Cheapest car insurance with a DUI in Maryland

These are the cheapest car insurance companies in Maryland for drivers with a DUI, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Gainsco $195 $2,340
Electric $238 $2,854
Bristol West $240 $2,884
Progressive $250 $3,003
National General $279 $3,352
Last Updated Apr 18, 2025

Average auto insurance costs for Maryland drivers with other violations

Below are average car insurance costs in Maryland for other driving violations.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $274 $3,293
Cell Phone $440 $5,277
Defective Equipment $116 $1,389
Driving on Sus. License $499 $5,983
Failure to Obey Traffic Sign $355 $4,260
Last Updated Apr 18, 2025

Cheapest auto insurance for low credit scores in Maryland

You’ll likely pay more for auto insurance if you have a low credit score. That’s because insurers in Maryland use credit as a factor in car insurance rate calculations — and drivers with low scores have been shown to be more likely to file a car insurance claim. Here are the cheapest auto insurance companies in Maryland for drivers with a credit score below 550. 

Insurance Company
Avg Monthly Quote
Avg Annual Quote
The General $221 $2,656
Clearcover $293 $3,510
Safeco $313 $3,759
Assurance America $357 $4,282
National General $361 $4,331
Last Updated Apr 24, 2025

Learn more: How a credit-based insurance score works

How to find cheap car insurance in Maryland

Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.

You can also try these tips to lower your auto insurance costs:

Compare car insurance quotes with Jerry.

More: Best car insurance companies

Factors that affect car insurance costs in Maryland

How much you pay for coverage depends on a variety of factors, including your:

  • ZIP code.
  • Driving history.
  • Vehicle’s year, make, and model.
  • Claims history.
  • Car usage and miles driven.
  • Deductible amount.

More: How car insurance rates are calculated

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.