Maryland Car Insurance Calculator
Calculate your auto insurance cost in Maryland. Compare with state averages and find savings.
$1,876
Avg Annual Premium
30/60/15
Min Liability
Monthly Avg
$156
Full Coverage
$2,467
Min Coverage
$645
Uninsured Rate
11.4%
Maryland Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$30,000
Bodily Injury (per accident)$60,000
Property Damage$15,000
Additional Requirements
PIP RequiredYes ($2,500 min)
Uninsured MotoristRequired
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Maryland
DC metro trafficUrban densityHigh income area
Major Metro Areas in Maryland
BaltimoreColumbiaGermantownSilver SpringWaldorf
FAQ
Maryland Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Maryland
The average annual car insurance premium in Maryland is $1,876, or about $156 per month. Full coverage averages $2,467 annually, while minimum coverage averages $645. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Maryland requires minimum liability coverage of 30/60/15 ($30,000/$60,000 for bodily injury and $15,000 for property damage). Maryland also requires Personal Injury Protection (PIP) with a minimum of $2,500. Uninsured motorist coverage is also required.
Key factors affecting Maryland car insurance rates include: DC metro traffic, Urban density, High income area. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 11.4% of drivers in Maryland are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Maryland car insurance: 1) Compare quotes from multiple insurers like GEICO, State Farm, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Maryland include: GEICO, State Farm, Progressive, Allstate, Erie Insurance. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
MD Insurance Costs
Average premiums in Maryland:
- Annual Average$1,876
- Monthly Average$156
- Full Coverage$2,467
- Minimum Coverage$645
MD Requirements
Minimum coverage required:
- Liability30/60/15
- PIP RequiredYes
- UM RequiredYes
- Uninsured Rate11.4%
Top MD Insurers
Popular insurance companies:
- •GEICO
- •State Farm
- •Progressive
- •Allstate
- •Erie Insurance