In our search for Maryland auto insurance, we looked at several companies and compared their rates, customer satisfaction, financial strength, coverages, discounts and more. As of 2025, premiums in Maryland have risen alongside national trends, but by cross-shopping and optimizing discounts you may still find strong service and competitive prices from leading insurers.
The 4 Best Car Insurance Companies in Maryland
- Erie: Best for Customer Satisfaction
- Geico: Best for Low Rates
- State Farm: Best for Discounts
- USAA: Best for Military-Centric Options
Compare the Best Car Insurance Companies in Maryland
| Average Annual Price for Minimum Coverage* | Average Annual Price for Full Coverage* | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Customer Satisfaction ** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin Erie | $660 | $1,881 | A+ | 856 | |
| Pin Geico | $641 | $1,627 | A++ | 835 | |
| Pin State Farm | $920 | $2,007 | A++ | 851 | |
| Pin USAA | $604 | $1,574 | A++ | 896 |
Note: Figures shown in the comparison module reflect an earlier snapshot; average premiums in Maryland increased markedly through 2024–2025.
* Historical pricing inputs were originally sourced from Bankrate.com; current 2025 averages vary by driver profile, ZIP code and insurer.
**J.D. Power 2024 Auto Insurance Satisfaction Study for the Mid-Atlantic region. Based on a 1,000-point scale. USAA is not officially rated due to eligibility restrictions.
Best for Customer Satisfaction
Why we chose it
Why we chose it
Pros
- Erie Rate Lock
- Excellent customer satisfaction
Cons
- Lack of digital tools
Types of Coverage Offered
- Collision
- Liability
- Comprehensive
- Transportation expense/rental car coverage
- Roadside assistance
- New car protection
- Better car protection
- Rideshare
- Erie Rate Lock
- First accident forgiveness
- Diminishing deductible
Discounts available
- Multi-policy
- Vehicle storage
- Safety savings
- Payment perks
- Youthful driver discount
- College credit
Best for Low Rates
Why we chose it
Why we chose it
Pros
- Lowest annual premiums
- Above-average customer experience
Cons
- No gap coverage
- Fewer than average local agents
Types of Coverage Offered
- Liability
- Medical payments
- Uninsured & underinsured motorist
- Collision
- Comprehensive
- Roadside assistance
- Rental reimbursement
- Mechanical breakdown
Discounts Available
- Vehicle equipment features
- New vehicle
- Good driver
- Seat belt use
- Defensive driving
- Driver’s education course
- Good student
- Emergency deployment
- Membership & employee
- Military
- Multi-vehicle
- Multi-policy
Best for Discounts
Why we chose it
Why we chose it
Pros
- Strong customer satisfaction scores
- Robust coverage options
- Multiple discounts for safe driving and good students
Cons
- Highest premiums in our list
Types of Coverage Offered
- Collision
- Comprehensive
- Liability
- Rental and travel expense
- Uninsured & underinsured motorist
- Medical payments
- Roadside assistance
- Rideshare driver
Discounts Available
- Drive Safe and Save
- Steer Clear
- Accident-free
- Defensive driving
- Student discounts
- Driver training
- Good driving
- Vehicle safety features
- Multi-car
- Multiple-policy
Best for Military-Centric Options
Why we chose it
Why we chose it
Pros
- Competitive insurance premiums
- Top-rated customer satisfaction
Cons
- Only available to military members and their families
Types of Coverage Offered
- Collision
- Comprehensive
- Liability
- Personal injury protection
- Uninsured & underinsured motorist
- Roadside assistance
- Rental reimbursement
- Accident forgiveness
Discounts Available
- Safe driver
- Defensive driving
- Driver training
- Good student
- New vehicle
- Multi-vehicle
- Annual mileage
- Vehicle storage
- Family discount
- Length of membership
- Military installation
- Full pay
*Data originally provided by Bankrate.com; averages have changed with 2025 market conditions.
**J.D. Power’s 2024 U.S. Auto Insurance Study rating for the Mid-Atlantic region. Based on a 1,000-point scale. USAA is not officially rated due to eligibility restrictions.
The Average Cost of Car Insurance in Maryland
In 2025, Maryland drivers typically pay roughly $750–$1,150 per year for minimum coverage and about $2,100–$2,700 per year for full coverage. Maryland’s averages are generally near to somewhat above U.S. averages, depending on the source and methodology.
However, your car insurance rates vary based on many factors unique to each driver. Location within Maryland is a major driver — Baltimore-area ZIP codes often price higher than many suburban and western MD areas — along with your age, driving record, vehicle, annual mileage, coverage selections and, in many states, credit score. After broad, double-digit premium increases across 2023–2024, quotes can differ widely by company, so it pays to compare.
Top 3 Cheapest Companies for Car Insurance in Maryland
| Company | Average Annual Full Coverage Premium* |
| Nationwide | $1,232 |
| Penn National | $1,525 |
| USAA | $1,574 |
* These company figures reflect an earlier snapshot and may not match current quotes. For 2025 comparisons across Maryland ZIP codes, consult the state’s official rate comparison resources and current state pages from reputable researchers.
Top 3 Most Expensive Car Insurance Companies in Maryland
| Company | Average Annual Full Coverage Premium* |
| Maryland Auto Insurance | $4,033 |
| Donegal | $2,217 |
| State Farm | $2,007 |
* These figures reflect an earlier snapshot; current 2025 prices vary widely by driver profile and ZIP code.
Top 3 Cheapest Cities for Car Insurance in Maryland
| City | Average Annual Full Coverage Premium* |
| Frederick | $1,700–$2,100 |
| Hagerstown | $1,700–$2,100 |
| Columbia | $1,700–$2,100 |
* Ranges reflect recent 2024–2025 statewide analyses from reputable sources; actual quotes vary by driver profile and ZIP code.
Top 3 Most Expensive Cities for Car Insurance in Maryland
| City | Average Annual Full Coverage Premium* |
| Baltimore City | $2,800–$3,200 |
| Pikesville | Above state average (varies by ZIP) |
| Milford Mill | Above state average (varies by ZIP) |
* Ranges/notes based on 2024–2025 statewide analyses; Baltimore City consistently ranks as Maryland’s most expensive market for full coverage.
Car Insurance Add-Ons That May Further Protect You
- Roadside assistance: Many insurers offer roadside assistance to customers who need towing service, battery jump, flat tire change, and more, often for a low annual cost (about $10–$25 per vehicle).
- Gap coverage: In case you total your newer car, gap insurance covers the difference between your car’s cash value and the amount you still owe on your loan — a protection that remains relevant amid longer loan terms and elevated negative equity at trade-in.
- Accident forgiveness: In general, your auto insurance rates will increase after an accident. This optional coverage may help prevent them from increasing after your first at-fault accident.
- Rental reimbursement: If your car is in the shop for covered damage repairs, many companies offer coverage that reimburses rental car costs — helpful while repair cycle times remain longer than pre-2020 norms in many markets.
Guide to Maryland Car Insurance
Each state has its own car insurance laws, and drivers should always be aware of their state’s rules before hitting the road. Maryland is a fault state and requires continuous liability coverage on every vehicle registered in the state.
Maryland Minimum Insurance Requirements
All drivers in Maryland must carry minimum liability insurance. Failure to do so can result in steep fines, loss of license, or suspension of vehicle registration.
Minimum liability required in the state of Maryland is divided as follows:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $15,000 property damage liability per accident
- $30,000 uninsured motorist bodily injury per person
- $60,000 uninsured motorist bodily injury per accident
- $15,000 uninsured motorist property damage per accident (deductible up to $250)
$2,500 in personal injury protection must be offered and may be waived by eligible insureds in writing.
Maryland Car Insurance FAQ
Methodology
Reviews.com reviews products, services, and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, and online resources from each company to determine top providers.
As for average pricing, we reference current 2025 state pages from reputable market researchers (such as Bankrate and NerdWallet) and Maryland’s official comparison resources, which use standardized driver profiles. When we cite “full coverage,” we typically assume limits near the following:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers typically own a Toyota Camry, commute five days a week and drive about 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
