Best Auto Insurance in Maryland (2025)
Compare top-rated auto insurance companies in Maryland. Find affordable coverage that meets MD state requirements and save up to 40% on your premium.
$1,587
Avg. Annual Premium
30/60/15
Minimum Coverage
Baltimore
Largest City
6.2 million
Population
Maryland Auto Insurance Requirements
Maryland requires PIP coverage with a minimum of $2,500 for medical expenses.
Minimum Liability Coverage: 30/60/15
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in Maryland
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in Maryland can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in Maryland use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
Maryland Auto Insurance FAQs
What is the minimum auto insurance required in Maryland?
Maryland requires minimum liability coverage of 30/60/15 (bodily injury per person/per accident/property damage). Maryland requires PIP coverage with a minimum of $2,500 for medical expenses.
How much does car insurance cost in Maryland?
The average annual car insurance premium in Maryland is $1,587. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in Maryland?
Key factors affecting Maryland auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Baltimore typically pay more than those in rural areas.
How can I find cheap car insurance in Maryland?
To find affordable car insurance in Maryland: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
Get Your Free Maryland Quote
Compare rates from top insurers and save up to 40% on your auto insurance.
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