Cheap Auto Insurance in Maryland for 2025 (Big Savings With These 10 Companies!)
The top picks for cheap auto insurance in Maryland are USAA, Travelers, and Nationwide, with rates starting at $43 per month. USAA offers the cheapest rates. While Travelers is notable for its solid coverage and A++ rating from A.M. Best, Nationwide offers 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: Apr 22, 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 reviewsUSAA, Travelers, and Nationwide are the top picks for cheap auto insurance in Maryland. Car insurance rates in Maryland start 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 choosing full coverage car insurance, paying your insurance premiums, and saving big. Find cheap auto insurance in Maryland by entering your ZIP code.
- USAA, Travelers, and Nationwide offer the cheapest auto insurance in Maryland
- USAA ranks first, offering the most affordable rates for only $43 per month
- Get cheap auto insurance in Maryland from other companies like State Farm
Review our car insurance guide to better assist you in looking for the cheapest Maryland auto insurance and save significantly on your car insurance premium.
#1 – USAA: Top Overall Pick
Pros
- Most Affordable Rates: USAA offers the cheapest rates in Maryland, starting at just $43 per month.
- High Customer Satisfaction: This feature is one of the best insurers for policyholders in Maryland who want to save because of its cheap rates.
- Special Military Discounts: According to our USAA auto insurance review, military families in Maryland can enjoy a rate reduction.
Cons
- Not Accessible to All Maryland Drivers: This company is limited to the general public in Maryland.
- Limited Physical Locations: USAA may not be the best option for drivers who prefer face-to-face service.
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#2 – Travelers: Best for Reliable Coverage
Pros
- Flexible Payment Plans: Travelers let Maryland drivers customize their coverage to match their vehicle needs and budget.
- Strong Financial Standing: USAA helps drivers in Maryland get reliable coverage, as proven by its A++ rating.
- Bundling Discounts: Bundling your other insurance policies allows you to secure better deals and save on your insurance.
Cons
- Higher Premiums for Young Drivers: First-time drivers and teens may find this company too expensive, according to Travelers auto insurance reviews.
- Fewer Walk-in Locations for Rate Adjustments: Drivers in Maryland may not enjoy face-to-face assistance.
#3 – Nationwide: Best for Diverse Options
Pros
- Budget-Friendly Options: Nationwide provides car insurance plans to help Maryland drivers save.
- Lower Deductibles for Safe Drivers: Maryland drivers with good driving records can enjoy low deductibles and save money.
- Pay-As-You-Drive Discounts: As our Nationwide auto insurance review suggests, drivers in Maryland who drive less can benefit from this program.
Cons
- Claims May Take Longer to Process: Some drivers have reported delays in claims reimbursement.
- Credit Score Can Influence Pricing: Maryland drivers with lower credit scores may pay higher car insurance rates.
#4 – State Farm: Best for Local Agents
Pros
- Accessible Local Agents: State Farm is available anywhere, making it more convenient for Maryland drivers to seek cheap coverage.
- Teen Driver Discounts for Families: As discussed in our State Farm auto insurance review, parents of young drivers can save significantly.
- High Claims Approval: State Farm is known for its efficient claim payouts in Maryland.
Cons
- Limited Discounts for Senior Drivers: Senior Maryland drivers may find better insurance discounts with other providers.
- No Accident Forgiveness: Drivers who are in their first at-fault accident might end up paying higher car insurance rates.
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#5 – American Family: Best for Family Plans
Pros
- Multi-Car Discounts: To save significantly, families can insure many vehicles under one insurance policy.
- Customized Coverage: Maryland drivers can save money by only paying for what their vehicle requires.
- Good Customer Support: Policyholders in Maryland can adjust their billings to lower their premiums.
Cons
- Not Widely Available in Maryland: American Family is not available in every city in Maryland, according to American Family auto insurance reviews.
- Higher Premiums for New Customers: First-time policyholders might have a hard time accessing cheaper rates.
#6 – Progressive: Best for Flexible Policies
Pros
- Set Your Own Budget With the Price Tool: Progressive helps Maryland drivers choose coverage that fits their financial needs.
- Smart Telematics: Progressive’s Snapshot program rewards safe, low-mileage drivers with better rates.
- Fair Rates for High-Risk Drivers: Progressive provides reasonable rates for drivers with past violations, as discussed in our Progressive auto insurance review.
Cons
- Higher Premiums Without Telematics Enrollment: Drivers without Telematics enrollment will pay more than expected.
- Mixed Customer Service Reviews: Policyholders in Maryland report challenges in securing the lowest deal.
#7 – Geico: Best for Budget-Friendly
Pros
- Affordable Coverage: Geico is known for offering the most affordable car insurance rates in Maryland.
- User-Friendly Platform: Geico can help drivers in Maryland save time and money while using their online app.
- Discount for Lower Premiums: It offers discounts and savings programs for drivers in Maryland.
Cons
- Lack of Personalized Local Support: Geico’s limited offices impact Maryland drivers who prefer in-person assistance.
- Longer Claims Processing Time: According to our Geico auto insurance review, delays reported can affect the claims payout.
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#8 – Farmers: Best for Comprehensive Packages
Pros
- Competitive Rates: Drivers in Maryland can save by finding the coverage that fits their needs.
- Solid Discounts for Hybrid Vehicles: Farmers support hybrid vehicles, which helps drivers in Maryland save.
- Reliable Options: Drivers in Maryland can save significantly by bundling their policies.
Cons
- More Expensive Than Competitors: As discussed in our Farmers auto insurance review, coverage may be a bit more expensive than that of other competitors in Maryland.
- Not Ideal for High-Risk Drivers: Drivers in Maryland with a history of violations may seek better rates from competitors.
#9 – Liberty Mutual: Best for Custom Coverage
Pros
- Highly Adjustable Coverage: Drivers in Maryland can customize their policy features to lower their rates.
- Frequent Discounts for Different Occupations: Professionals in Maryland can unlock the best and most affordable rates to save.
- Strong Financial Standing: According to our Liberty Mutual auto insurance review, Liberty Mutual has a stable pricing structure that drivers in Maryland can rely on.
Cons
- Rates Tend to Increase After the First Policy Term. Policyholders in Maryland may see a premium increase.
- Processing Delays Lead to Unexpected Expenses: Longer claims processing could increase temporary costs in Maryland.
#10 – Allstate: Best for Full Protection
Pros
- Coverage That Saves in the Long Run: Allstate offers protection that prevents large expenses in Maryland.
- Strong Financial Backing: Maryland drivers can count on claims processing without delay, as discussed in our Allstate auto insurance review.
- In-Person Agent Access for Cost Management: Allstate is everywhere, making it convenient for drivers in Maryland to visit.
Cons
- Initial Premiums Can Be Higher: Budget-conscious drivers in Maryland may look for better rates with other competitors.
- Strict Policy Terms Limit Flexibility: This feature offers fewer adjustment options compared to other providers in Maryland, like Progressive.
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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 MD auto insurance discounts from the top companies.
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.
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 Maryland auto 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.
Discover the cheapest auto insurance in Maryland and save significantly by comparing rates and maximizing bundling discounts of up to 25%.
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To find cheap car insurance options in Maryland, just enter your ZIP code and compare rates from multiple insurers.
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Frequently Asked Questions
What makes USAA the top overall pick for cheap auto insurance in Maryland?
USAA is the top pick for cheap auto insurance in Maryland. However, it is only available to military members, veterans, and their families.
How does Maryland’s status as an at-fault state impact insurance requirements?
As an at-fault state, Maryland requires drivers to carry liability coverage as part of their auto insurance requirements. This impacts the cost of car insurance in Maryland and influences rates. Get more affordable rates and find the best auto insurance in Maryland by entering your ZIP code.
What are the minimum car insurance coverage requirements in Maryland?
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. Still, additional car insurance coverage in Maryland is recommended for better financial protection.
Read more: Minimum Car Insurance Requirements
How do insurance companies compare in terms of minimum and full coverage rates in Maryland?
To answer how much is car insurance in Maryland, the average cost of car insurance in Maryland starts as low as $43 per month. USAA, Travelers, and Nationwide offer cheap car insurance in MD. Drivers save on car insurance rates in Maryland by taking advantage of multiple discounts.
What are some common auto insurance discounts in Maryland?
Drivers can utilize discounts and other features like bundles to get cheaper car insurance rates in Maryland, making it more convenient to get competitive car insurance quotes. Save on auto insurance in Maryland by entering your ZIP code.
Why is the A.M. Best rating and complaint level important 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 coverage for their needs.
Read more: Compare Auto Insurance Companies
What are the most common auto insurance claims in Maryland?
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?
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. Compare car insurance options and learn how much does car insurance cost in Maryland by entering your ZIP code.
What additional coverage options are available, and when should drivers consider them?
Additional auto insurance coverage options like rental reimbursement can enhance Maryland auto insurance policies, offering drivers cheap full coverage car insurance in Maryland.
How do Maryland’s auto insurance premiums compare to national averages?
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 the average Maryland car insurance costs.