Cheap Auto Insurance in Maryland for 2025 (Big Savings With These 10 Companies!)
The cheap auto insurance in Maryland top picks are USAA, Travelers, and Nationwide, with rates starting at $43 per month. USAA top the list offering the cheapest rates. While Travelers is notable for its friendly coverage, Nationwide caters to diverse options tailored to the needs of Maryland drivers.
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Ty Stewart
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Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
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UPDATED: Mar 25, 2025
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6,589 reviewsCompany Facts
Min. Coverage in Maryland
A.M. Best Rating
Complaint Level
Pros & Cons
6,589 reviews
1,733 reviewsCompany Facts
Min. Coverage in Maryland
A.M. Best Rating
Complaint Level
Pros & Cons
1,733 reviews
3,071 reviewsCompany Facts
Min. Coverage in Maryland
A.M. Best Rating
Complaint Level
Pros & Cons
3,071 reviewsThe top picks for cheap auto insurance in Maryland include USAA, Travelers, and Nationwide, offering the cheapest and most affordable rates starting at $43 per month.
These top providers are renowned for their family plans, flexible policies, customizable coverages, and full protection to help drivers meet their vehicle needs.
Our Top 10 Company Picks: Cheap Auto Insurance in Maryland
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $43 | A++ | Military Families | USAA |
 | #2 | $55 | A++ | Reliable Coverage | Travelers |
 | #3 | $56 | A+ | Diverse Options | Nationwide |
 | #4 | $57 | B | Local Agents | State Farm |
 | #5 | $62 | A | Family Plans | American Family |
 | #6 | $64 | A+ | Flexible Policies | Progressive |
 | #7 | $72 | A++ | Budget Friendly | Geico |
 | #8 | $74 | A | Comprehensive Packages | Farmers |
 | #9 | $96 | A | Custom Coverage | Liberty Mutual |
 | #10 | $107 | A+ | Full Protection | Allstate |
This car insurance guide will highlight what these top companies are known for to better assist you in looking for full coverage car insurance, plan your insurance premium, and save big. You can start comparing now by entering your ZIP code.
- The cheapest auto insurance in Maryland are USAA, Travelers, and Nationwide
- USAA ranked first, offering the most affordable rates for only $43 per month
- See how Travelers and Nationwide can help you save with their coverage options
#1 – USAA: Top Overall Pick
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#2 – Travelers: Best for Reliable Coverage
#3 – Nationwide: Best for Diverse Options
#4 – State Farm: Best for Local Agents
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#5 – American Family: Best for Family Plans
#6 – Progressive: Best for Flexible Policies
#7 – Geico: Best for Budget-Friendly
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#8 – Farmers: Best for Comprehensive Packages
#9 – Liberty Mutual: Best for Custom Coverage
#10 – Allstate: Best for Full Protection
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Car Insurance Coverage and Rates in Maryland
This car insurance guide will stop you from wondering where to start when it comes to finding the right insurance policy.
Maryland Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $107 | $201 |
| $62 | $116 |
| $74 | $140 |
| $72 | $135 |
| $96 | $181 |
| $56 | $106 |
| $64 | $121 |
| $57 | $107 |
| $55 | $103 |
| $43 | $80 |
This section will answer your questions, such as, how much car insurance do I actually need? Who is the cheapest provider? What type of car insurance do I need? But before we proceed deeply, let’s first talk about how much car insurance is legally required by the state of Maryland.
To help you better understand Maryland’s rhyme and reason when it comes to car insurance, read our table above about Maryland’s auto insurance monthly rates by provider & coverage level, as well as auto insurance discounts from the top companies in Maryland.
Auto Insurance Discounts From the Top Providers in Maryland
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, Anti-Theft Device, Good Student, Early Signing, Responsible Payer, EZ Pay Plan, New Car, Full Pay Discount |
| Multi-Vehicle, Defensive Driving, Loyalty, Good Student, Steer Into Savings, Low Mileage, Young Volunteer, Bundling |
| Good Driver, Multi-Policy, Homeowner, Signal Program, Alternative Fuel, Business and Professional Group, Bundling |
| Multi-Policy, Good Driver, Defensive Driving, Military, Student, Federal Employee, Emergency Deployment, New Vehicle, Multi-Car |
| Multi-Policy, Military, Vehicle Safety, New Car, Hybrid, Pay-in-Full, Early Shopper, Affinity Group, Online Purchase |
| SmartRide Program, Multi-Policy, Anti-Theft, Good Student, Accident-Free, Paperless, Family Plan, Long-Term Customer |
| Snapshot Program, Multi-Policy, Continuous Insurance, Good Student, Homeowner, Paperless, Sign Online, Teen Driver, Distant Student |
| Drive Safe & Save, Multi-Policy, Good Student, Safe Vehicle, Vehicle Safety Features, Accident-Free, Passive Restraint, New Car |
| Safe Driver, Multi-Policy, Hybrid Vehicle, Homeowner, Continuous Insurance, New Car Replacement, Good Payer, IntelliDrive |
| Safe Driver, Military, New Vehicle, Multi-Policy, Loyalty, Legacy, Low Annual Mileage, Driver Training, Newer Vehicle, Garage Parking |
These tables will give you an idea of what type of car insurance coverage will perfectly match your vehicle requirements and needs. You can start comparing the best rates by entering your ZIP code.
Maryland Minimum Car Insurance Coverage Requirements
This section will help you better understand what the minimum car insurance requirement means, how much it is in your area, and its impact on your car insurance coverage.
Maryland Auto Insurance Coverage Requirements
| Coverage | Requirements |
|---|---|
| Bodily Injury Liability | $30,000 per person $60,000 per accident |
| Property Damage Liability | $15000 per accident |
To begin with, Maryland is considered an at-fault car accident state. Maryland is an at-fault car accident state. If you don’t already know what this means, it is a huge part of the reason why Maryland requires every driver to carry at least a minimum car insurance policy.
In at-fault car accident states, drivers who cause or started an accident are responsible for the costs of all repairs to damaged and broken vehicles, replacing totaled vehicles, and paying the costs of all medical bills for anyone who was involved in that accident.
5 Most Common Auto Insurance Claims in Maryland
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collisions | 25% | $4,500 |
| Parked Car Damage (Hit & Run) | 20% | $2,500 |
| Weather-Related Damage | 18% | $3,800 |
| Intersection Accidents | 15% | $5,200 |
| Theft/Vandalism | 12% | $3,000 |
So now that you know what at-fault means, let’s move on to Maryland minimum liability requirement laws. Liability insurance protects you from owing thousands of dollars if you ever do get into a bad accident.
Since it’s only liability insurance, however, you are most likely going to owe some money after you cause an accident with an innocent victim.
Maryland Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Weather-Related Risks | A- | Low natural disaster occurrence rate |
| Average Claim Size | B+ | Claims moderately priced overall |
| Vehicle Theft Rate | B- | Slightly above national average rate |
| Traffic Density | B | Moderate congestion in urban areas |
To better understand it, the insurance coverage includes $30,000 for bodily injury or even death of a person in an accident caused by the owner or driver of the insured vehicle, $60,000 per accident for total counts of death liability or bodily injury, and $15,000 for property damage per accident.
These amounts for your insurance policy are vital when protecting and insuring your vehicle. Enter your ZIP code or keep reading to find out why you should have more insurance coverage than what is required.
Additional Liability Coverage in Maryland
The additional insurance coverage types are all optional add-ons to add to an existing or new insurance policy. This insurance guide will help you know why anyone wants to add a policy voluntarily despite insurance being already expensive.
Auto Insurance Discounts From Top Maryland Providers
| Insurance Company | Anti-Theft | Bundling | Good Driver | Good Student | Loyalty |
|---|---|---|---|---|---|
| 10% | 25% | 25% | 22% | 15% |
| 25% | 25% | 25% | 20% | 18% |
| 10% | 20% | 30% | 15% | 12% |
| 25% | 25% | 26% | 15% | 10% |
| 35% | 25% | 20% | 12% | 10% |
| 5% | 20% | 40% | 18% | 8% |
| 25% | 10% | 30% | 10% | 13% |
| 15% | 17% | 25% | 35% | 6% |
| 15% | 13% | 10% | 8% | 9% |
| 15% | 10% | 30% | 10% | 11% |
Uninsured/underinsured auto insurance coverage is essential because not every driver obeys the law and carries car insurance.
If a driver who is uninsured hits you and causes damage to your vehicle, that driver may not be able to just write you a check to cover repairs — he or she will likely go bankrupt while trying to pay for these damages and/or medical bills.
On the other hand, the loss ratio percentage shows a company’s financial strength. It also tells how many filed claims were paid and how many filed claims went unpaid.
Maryland Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Baltimore | 12,000 | 9,000 |
| Columbia | 3,500 | 2,800 |
| Ellicott City | 2,700 | 2,100 |
| Frederick | 3,000 | 2,400 |
| Gaithersburg | 3,000 | 2,300 |
| Germantown | 3,200 | 2,500 |
| Glen Burnie | 2,800 | 2,200 |
| Rockville | 3,200 | 2,500 |
| Silver Spring | 4,000 | 3,100 |
| Waldorf | 2,500 | 2,000 |
Remember that when you get into an accident, you file a claim with your insurance company stating the damage done and the estimated cost of repairs. Medical bills can also be filed as claims.
Learn how to compare rates from top providers to find the cheapest premium and choose what ideally fits your vehicle needs.
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To find out more about insurance add-ons, including Guaranteed Auto Protection (GAP), Personal Umbrella Policy (PUP), Rental Reimbursement, Emergency Roadside Assistance, Classic Car Insurance, and many more, continue reading or simply enter your ZIP code.
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Frequently Asked Questions
What makes USAA the top overall pick for cheap auto insurance in Maryland, and who is eligible for coverage through USAA?
USAA is the top pick for cheap auto insurance in Maryland due to its low rates and excellent service, making it one of the best car insurance options in Maryland, but it is only available to military members, veterans, and their families.
How does Maryland’s status as an at-fault car accident state impact insurance requirements and claim responsibilities for drivers?
As an at-fault state, Maryland requires drivers to carry liability coverage as part of Maryland auto insurance requirements, impacting how much car insurance costs in Maryland and influencing Maryland car insurance rates. See more rates by entering your ZIP code.
What are the minimum car insurance coverage requirements in Maryland, and why might drivers consider purchasing additional coverage?
The minimum Maryland car insurance requirements include $30,000 for every person and $60,000 for every accident for bodily injury, plus $15,000 for property damage, but additional cheap coverage car insurance in Maryland is recommended for better financial protection.
Read more: Minimum Car Insurance Requirements
How do different insurance companies compare in terms of monthly rates for minimum and full coverage in Maryland?
The average cost of car insurance in Maryland starts as low as $43 per month, with USAA, Travelers, and Nationwide offering cheap car insurance in MD, helping drivers save on car insurance rates in Maryland.
What are some common auto insurance discounts offered by top providers in Maryland, and how can drivers maximize their savings?
To get cheaper car insurance rates in Maryland, drivers can utilize discounts and other features like bundles, making it more convenient to get competitive car insurance quotes Maryland. Learn how to utilize features by entering your ZIP code.
What is the significance of a company’s A.M. Best rating and complaint level when choosing an insurance provider?
A company’s A.M. Best rating measures financial strength, while its complaint level helps consumers compare Maryland car insurance rates and secure the best car insurance in Maryland for their needs.
Read more: Compare Auto Insurance Companies
What are the most common auto insurance claims in Maryland, and how do they impact premium rates for policyholders?
Common auto insurance claims in Maryland include collision damage, weather-related incidents, theft, and uninsured motorist claims, all of which influence the average car insurance cost in Maryland and determine how much car insurance in Maryland will cost for each driver.
How does uninsured/underinsured motorist coverage protect Maryland drivers, and why is it an important add-on?
Uninsured or underinsured motorist coverage is crucial for protecting drivers from financial loss if hit by an uninsured driver, making it a key factor when searching for low-income car insurance in Maryland and comparing cheap car insurance in Maryland options. See other options when you enter your ZIP code.
What additional coverage options, such as GAP insurance and rental reimbursement, are available, and when should drivers consider them?
Additional coverage options like rental reimbursement can enhance Maryland auto insurance policies, offering drivers more security beyond cheap full coverage car insurance in Maryland.
Read more: Auto Insurance Coverage Options
How do Maryland’s auto insurance premiums compare to national averages, and what factors contribute to these rates?
Maryland auto insurance rates are slightly above the national average, and costs vary by ZIP code—such as car insurance 21206—due to traffic congestion, accident rates, and fraud concerns, influencing how much car insurance costs in Maryland.