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The Best Maryland Car Insurance Companies of 2021

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    In our search for Maryland auto insurance, we looked at several companies and compared their rates, customer satisfaction, financial strength, coverages, discounts and more. While Maryland has some of the most expensive car insurance rates in the nation, we found companies that may be able to offer top-notch customer service at more affordable rates.

    The 4 Best Car Insurance Companies in Maryland

    Compare the Best Car Insurance Companies in Maryland

    CompanyAverage Annual Price for Minimum Coverage*Average Annual Price for Full Coverage*Reviews.com ScoreAM Best Financial StrengthJ.D. Power Customer Satisfaction **
    Erie$1,204$2,1223.8A+856
    Geico$962$2,1024A++835
    State Farm$1,420$2,2134.6A++851
    USAA$1,165$2,1614.8A++896

    Accurate as of June 2021

    * Data provided by Coverage.com

    **J.D. Power 2021 Auto Insurance Satisfaction Study for the Mid-Atlantic region. Based on a 1,000-point scale.

    Best for High-Risk Drivers

    Why we chose it

    Erie received the highest J.D. Power score for customer satisfaction in the Mid-Atlantic region, among providers reviewed for Maryland.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,122* Average Premium Pricing data comes from our partners at Bankrate.com.
    • A+ AM Best Rate 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.
    • 856** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Erie received the highest J.D. Power score for customer satisfaction in the Mid-Atlantic region, among providers reviewed for Maryland.

    Pros

    • Erie Rate Lock
    • Excellent customer satisfaction

    Cons

    • Lack of digital tools
    Read More

    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

    Cheapest Maryland Car Insurance Company

    Why we chose it

    Based on data pulled from Coverage.com, Geico has some of the lowest insurance rates available for Maryland drivers.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,102* Average Premium Pricing data comes from our partners at Bankrate.com.
    • A++ AM Best Rate 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.
    • 835** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Based on data pulled from Coverage.com, Geico has some of the lowest insurance rates available for Maryland drivers.

    Pros

    • Lowest annual premiums
    • Above-average customer experience

    Cons

    • No gap coverage
    • Fewer than average local agents
    Read More

    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 Customer Satisfaction

    Why we chose it

    State Farm offers a multitude of discounts that drivers may easily be able to qualify for, which may result in lower rates for safe drivers, good students, and those who have multiple policies through this company.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,213* Average Premium Pricing data comes from our partners at Bankrate.com.
    • A++ AM Best Rate 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.
    • 851** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm offers a multitude of discounts that drivers may easily be able to qualify for, which may result in lower rates for safe drivers, good students, and those who have multiple policies through this company.

    Pros

    • Strong customer satisfaction scores
    • Robust coverage options
    • Multiple discounts for safe driving and good students

    Cons

    • Highest premiums in our list
    Read More

    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-Focused Coverage

    Why we chose it

    USAA offers former and current military members and their families top-rated car insurance, with coverage and policies ideally suited to the military lifestyle.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,161* Average Premium Pricing data comes from our partners at Bankrate.com.
    • A++ AM Best Rate 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.
    • 896** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers former and current military members and their families top-rated car insurance, with coverage and policies ideally suited to the military lifestyle.

    Pros

    • Competitive insurance premiums
    • Top-rated customer satisfaction

    Cons

    • Only available to military members and their families
    Read More

    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 provided by Coverage.com

    **J.D. Power’s 2021 U.S. Auto Insurance Study rating for the Mid-Atlantic region. Based on a 1,000-point scale.

    The Average Cost of Car Insurance in Maryland

    Based on our review of quoted premiums from Coverage.com, Maryland is one of the more expensive states in the nation for minimum coverage, with an average of $1,317 per year. Specifically looking at the companies we compared, average rates for minimum coverage range from $962 to $1,677 per year.

    For full coverage, average premiums from Coverage.com for Maryland total $2,423 per year. 

    However, your car insurance rates vary based on many factors unique to each driver. The state in which you live is a significant contributing factor, as states with higher minimum coverage requirements usually mean higher premium costs. Rates also differ widely from one company to the next. Other determining factors include your age, driving record, vehicle and credit score can commonly impact rates in most states.

    Top 3 Cheapest Companies for Car Insurance in Maryland

    • Geico: $962 
    • Allstate: $1,087 
    • USAA: $1,165

    Top 3 Most Expensive Car Insurance Companies in Maryland

    • Maryland Automobile:  $1,677 
    • Garrison: $1,676 
    • State Farm: $1,420

    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.
    • 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.
    • 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 accident.
    • Rental reimbursement: In the event your car is in the shop for covered damage repairs, many car insurance companies offer coverage that will reimburse your rental car costs.

    Guide to Maryland Car Insurance 

    Each state has its own unique car insurance laws, and drivers should always be aware of their state’s laws before hitting the road. Maryland’s law requires drivers to carry liability coverage.

    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
    • $2,500 personal injury protection (PIP)

    Maryland Car Insurance FAQ

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Maryland, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we took into account quoted annual premiums from Coverage.com, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Erin Gobler is an insurance writer for Reviews.com. Over the past three years, she has covered personal finance topics such as insurance, banking, mortgages, and more. Her work has been featured in sites such as The Simple Dollar, Bankrate, and Coverage.com. She holds a bachelor’s degree in Journalism from the University of Wisconsin-Oskosh. Erin’s favorite Reviews.com article is the State Farm Renters Insurance Review.

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