Maryland Car Insurance Rates by City
In Maryland your auto insurance rates will vary depending on which city you live in. Insurance providers often have higher policy rates in heavily populated cities like Baltimore and cheaper rates for residents in more rural densely populated cities.
On average in MD, you can expect to pay around $74 a month or $892 yearly for state minimum liability coverage and $181 a month or $2,171 a year for a full coverage policy.
Here is a breakdown of costs for all cities in Maryland for the average state minimum and full coverage policy – We pull our costs from a huge data set of real time used-car drivers who are single, middle aged and have a clean Maryland driving record:
| MD Cities: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Abell | $754 | $63 | $1,930 | $161 |
| Aberdeen | $966 | $81 | $2,242 | $187 |
| Aberdeen Proving Ground | $978 | $81 | $2,290 | $191 |
| Abingdon | $945 | $79 | $2,227 | $186 |
| Accident | $630 | $52 | $1,794 | $149 |
| Accokeek | $1,048 | $87 | $2,608 | $217 |
| Adamstown | $758 | $63 | $1,941 | $162 |
| Adelphi | $1,290 | $108 | $2,883 | $240 |
| Algonquin | $718 | $60 | $1,858 | $155 |
| Allen | $750 | $63 | $1,904 | $159 |
Who Has the Cheapest Auto Insurance in MD?
In Maryland on average the cheapest auto insurance provider is GEICO and USAA. State minimum coverage could start as low as $54 monthly or $642 a year – Full coverage could cost $131 a month or $1,574 a year. The individual rates you get from your free quotes will vary depending on location and personal factors.
Here is a breakdown of average costs from local car insurance providers:
| Insurance Provider: | Minimum Liability: | Monthly: | Fulll Coverage: | Monthly: |
|---|---|---|---|---|
| GEICO | $642 | $54 | $1,574 | $131 |
| USAA | $788 | $66 | $1,980 | $165 |
| Progressive | $824 | $69 | $1,955 | $163 |
| Erie Insurance | $1,150 | $96 | $2,852 | $238 |
| State Farm | $1,191 | $99 | $2,723 | $227 |
| Average Cost: | $919 | $77 | $2,217 | $185 |
Auto Insurance Rates by Vehicle Type
To determine how much you can expect to pay for your insurance based on vehicle type we averaged multiple cost quotes in Maryland and pulled data for used vehicles such as a Toyota Camry, Nissan Titan, Chevrolet Bolt, Honda CR-V and BMW 4 Series:
| Vehicle Type: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Car (4door) | $929 | $77 | $2,106 | $176 |
| Truck | $1,010 | $84 | $2,398 | $200 |
| Hybrid Electric | $898 | $75 | $2,268 | $189 |
| SUV | $867 | $72 | $1,873 | $156 |
| Luxury Coupe | $828 | $69 | $2,892 | $241 |
Auto Insurance Rates for Brand New Vehicles
On average the price of car insurance for a brand new vehicle in Maryland would be an annual premium of $2,577 or $215 a month for full coverage.
We pulled insurance cost rates data for new 2022-2023 vehicles to give you an idea of the difference in coverage price for newer cars vs. used vehicles:
| Vehicle Type: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Car (4door) | $891 | $74 | $2,439 | $203 |
| Truck | $976 | $81 | $2,710 | $226 |
| Hybrid Electric | $926 | $77 | $2,522 | $210 |
| SUV | $840 | $70 | $2,063 | $172 |
| Luxury Coupe | $752 | $63 | $3,152 | $263 |
How Age Affects Your Car Insurance Premiums
In Maryland, age is a significant factor that influences your auto rates. Generally, younger drivers tend to face higher insurance premiums compared to older, more experienced drivers.
Statistics show that younger drivers, particularly teenagers and individuals in their early twenties, are more likely to be involved in accidents due to their limited driving experience and potential risky behavior on the road.
- 17-25 years: Average cost of $5,315 a year for full coverage
- 25- 54 years: Average cost of $2,236 a year for full coverage
- 55+ years: Average cost of $$2,271 a year for full coverage
Here is a breakdown of the average costs for car insurance based on each age in Maryland:
| Age: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| 17 | $2,586 | $215 | $6,805 | $567 |
| 18 | $2,264 | $189 | $6,000 | $500 |
| 20 | $1,794 | $149 | $4,825 | $402 |
| 22 | $1,356 | $113 | $3,632 | $303 |
| 24 | $1,117 | $93 | $2,991 | $249 |
| 29 | $930 | $78 | $2,464 | $205 |
| 34 | $881 | $73 | $2,294 | $191 |
| 39 | $868 | $72 | $2,237 | $186 |
| 44 | $858 | $72 | $2,190 | $182 |
| 49 | $849 | $71 | $2,148 | $179 |
| 54 | $833 | $69 | $2,083 | $174 |
| 64 | $929 | $77 | $2,297 | $191 |
| 74 | $946 | $79 | $2,340 | $195 |
| 76 | $955 | $80 | $2,366 | $197 |
How Much Car Insurance Do I Need in Maryland?
Maryland car insurance regulations ensure that all drivers on the state’s roads have the necessary coverage to protect themselves and others in case of accidents or unforeseen events.
Drivers in Maryland are required to carry minimum liability insurance coverage, which includes bodily injury and property damage liability. This coverage helps pay for medical expenses, property repairs, and legal fees if the insured driver is at fault in an accident.
Additionally, Maryland law mandates uninsured motorist coverage to safeguard against accidents involving drivers who lack insurance. The state’s car insurance system operates under a fault-based system, meaning that the party at fault in an accident is responsible for covering the damages.
However, drivers also have the option to choose between limited or full tort coverage, affecting their ability to seek compensation for non-monetary damages like pain and suffering. To legally operate a vehicle in Maryland, drivers must maintain proof of insurance and be prepared to provide it when requested by law enforcement or other relevant authorities. Here is a breakdown of how much insurance you are required to have in MD:
- $30,000 per person, $60,000 per accident for bodily injury liability
- $15,000 per accident for property damage liability
- $30,000 per person, $60,000 per accident for uninsured motorists
- $15,000 per accident property damage for uninsured motorists
- $2,500 per person for personal injury protection
You will have to sign an FR-19 certificate once you get insurance. This document is valid for 30 days and tells the DMV that you are insured. The state also requires insurance agencies to submit your insurance details.
Average Cost of Car Insurance in Maryland by County
The average cost of car insurance in Maryland varies between drivers. Here is the breakdown of the amount you can expect to pay on car insurance costs by county for vehicle type below for a minimum state policy of the average driver:
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Allegany | $749 | $712 | $838 | $807 | $876 |
| Anne Arundel | $936 | $891 | $1,049 | $978 | $1,070 |
| Baltimore | $997 | $950 | $1,111 | $1,030 | $1,134 |
| Baltimore City | $1,123 | $1,071 | $1,240 | $1,145 | $1,268 |
| Calvert | $851 | $816 | $971 | $910 | $985 |
| Caroline | $768 | $735 | $876 | $822 | $885 |
| Carroll | $827 | $789 | $929 | $866 | $948 |
| Cecil | $859 | $821 | $979 | $913 | $994 |
| Charles | $978 | $932 | $1,116 | $1,045 | $1,128 |
| Dorchester | $768 | $735 | $876 | $822 | $885 |
Getting a Maryland Auto Insurance Certificate
Maryland holds a very strict policy on verifying driver insurance. By law, an ID card or policy is not proof of insurance. The FR-19 form is the only legal way to confirm insurance in the state. You can submit your Maryland Insurance Certificate to the Maryland DMV in person, by mail, or via fax. However, photocopies are not accepted. Each form is good for 30 days.
The MVA can request to see your proof of insurance if your previous insurer informs them that your policy has been canceled. It can also ask to see your proof of insurance if you have three or more driving points on your record.
Moving to Maryland: Important Information
If you are moving to Maryland, there are many things to keep in mind. First, you have 30 days after moving to register your vehicle in Maryland and get local insurance. You can transfer your vehicle title to Maryland at an MVA office. You will need proof of ownership, a certificate of insurance, and a Maryland Safety Inspection Certificate to transfer your title. You might be able to get a 30-day vehicle registration if you are applying for a title at the same time. You can use a VR-129 form to apply for temporary registration.
If your insurance is from out of state, you must ask your insurer for a list of information. You will also need an FR-19 form as proof of coverage. Otherwise, you will not be able to register your vehicle.
You have 60 days after moving to get your Maryland driver’s license. You will have to pass an eye test, or bring along a Vision Certification Form from your doctor. You will also have to pay a fee before getting your license.
Understanding Driving Laws in Maryland
Maryland’s driving laws cover safety issues and are usually easy to follow. Most are similar to rules from other states, but it is still important to brush up on the details. Drivers should read a copy of the Maryland Driver’s Manual before getting their license to learn current laws.
The maximum speed limit in Maryland is 65 mph, except on interstates. Speeding fines are hefty compared to other states, and your insurance premium will increase once you accumulate a few points on your driving record.
It is illegal to use a cell phone while driving in Maryland for any reason. If you do have to use a cell phone to place a call or send a text message, pull over and call from the side of the road.
Frequently Asked Questions About Maryland Auto Insurance
Maryland auto insurance can be complicated. As a result, you probably have many questions, some of which can only be answered by your insurer. Here are a couple of common questions and answers for review.
Does insurance have to be issued by a Maryland insurance company?
Your insurance policy can be from out of state. However, you must have a notarized letter with letterhead from the agency as well as an FR-19 form to verify the coverage. Usually, it is easier to just switch to a local insurer, as you are required to make the switch when your current policy runs out anyway.
How can you lower insurance premiums?
Many insurance agencies offer discounts. These can include savings for good driving or even for being over the age of 55 or retired. Most drivers can also get a discount for having a newer vehicle, which comes with safety features not seen on older vehicles.
How to Get Great Rates on Maryland Auto Insurance
Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.
insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance quotes within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.
Maryland Car Insurance Resources
Here are some helpful resources if you’re looking for more information than just Maryland auto insurance quotes.
Maryland Insurance Administration
Information on insurance-related laws and regulations for Maryland consumers
http://www.mdinsurance.state.md.us/
Maryland Motor Vehicles Administration
License and registration renewal information as well as other tools and resources
insuranceQuotes.com Auto Rate Methodology
Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.
