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Best Maryland Car Insurance Companies

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    In our search for the best car insurance in Maryland, we looked at 10 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 offer top-notch customer service at an affordable rate.

    The 4 Best Car Insurance Companies in Maryland

    Compare the Best Car Insurance Companies in Maryland

    CompanyAverage Price for State Minimum* Average Price for Full Coverage* Reviews.com ScoreAM Best Financial StrengthJ.D. Power Overall Customer Satisfaction 
    Erie$1,204.36$2,122.493.8/5A+850/1,000
    Geico$1,076.93$2,104.084.4/5A++841/1,000
    State Farm$1,754.01$2,513.404.8/5A++855/1,000
    USAA$1,156.01$2,238.484.8/5A++890/1,000

    Information accurate as of 11/13/2020

    * Data provided by Coverage.com

    ERIE Insurance

    Best for Drivers with Claims on Their Records

    Why we chose it

    Erie Rate Lock makes this carrier a great choice for drivers with a claims record, as it prevents your rate from going up after a claim.
    • 3.8 Reviews Score
    • $1,204.63* Average Premium Pricing data comes from our partners at Coverage.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.
    • 850** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Erie Rate Lock makes this carrier a great choice for drivers with a claims record, as it prevents your rate from going up after a claim.

    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

    Discounts available

    • Erie Rate Lock
    • Multi-policy
    • First accident forgiveness
    • Diminishing deductible
    • Vehicle storage
    • Safety savings
    • Payment perks
    • Youthful driver discount
    • College credit

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Mid-Atlantic region. Based on a 1,000-point scale.

    Further Reading on Erie:

    Geico

    Best for Low Prices

    Why we chose it

    Geico has the lowest insurance rates available for Maryland drivers.
    • 4.4 Reviews Score
    • $1,076.93* Average Premium Pricing data comes from our partners at Coverage.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.
    • 841** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico has 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

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Mid-Atlantic region. Based on a 1,000-point scale.

    Further Reading on Geico:

    State Farm

    Best for Customer Satisfaction

    Why we chose it

    State Farm is one of the top car insurance companies in Maryland with the best-rated customer satisfaction.
    • 4.8 Reviews Score
    • $1,754.01* Average Premium Pricing data comes from our partners at Coverage.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.
    • 855** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm is one of the top car insurance companies in Maryland with the best-rated customer satisfaction.

    Pros

    • Bet in customer satisfaction
    • Robust coverage options

    Cons

    • Highest premiums in our list
    • Fewer discounts than competitors
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Rental and travel expense
    • Uninsured & underinsured motorist
    • Medical payments
    • Roadside assistance
    • Rideshare driver

    Discounts Available

    • Drivewise
    • Steer Clear
    • Accident-free
    • Defensive driving
    • Student discounts
    • Driver training
    • Good driving
    • Vehicle safety features
    • Multi-car
    • Multiple-policy

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Mid-Atlantic region. Based on a 1,000-point scale.

    Further Reading on State Farm:

    USAA

    Best for Military Families

    Why we chose it

    USAA offers military families comprehensive and top-rated car insurance at affordable rates
    • 4.8 Reviews Score
    • $1,156.01* Average Premium Pricing data comes from our partners at Coverage.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.
    • 890** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers military families comprehensive and top-rated car insurance at affordable rates

    Pros

    • Affordable 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
    • Extended benefits
    • 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, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Mid-Atlantic region. Based on a 1,000-point scale.

    Further Reading on USAA:

    The Average Cost of Car Insurance in Maryland

    Maryland is one of the top five most expensive states in the nation for minimum coverage — with an average of $858 per year, which is twice as expensive as many states. Specifically looking at the companies we compared, average rates range from $1,077 to $1,754.

    For full coverage, you can expect to pay around $1,787. 

    Your car insurance rates vary based on many factors. The state in which you live is a significant factor — states with higher minimum coverage requirements end up paying higher premiums. Rates also differ in a big way from one company to the next. Other determining factors include your age, driving record, vehicle and credit score.

    Top 3 Cheapest Car Insurance Companies in  Maryland

    CompanyAverage Annual Premium
    Geico$1,076.93
    Allstate$1,087.37
    USAA$1,156.01

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Maryland

    CompanyAverage Annual Premium
    State Farm$1,754.01
    Garrison Prop & Cas Ins Co $1,675.97
    Maryland Automobile Insurance$1,676.56

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Maryland

    CityAverage Annual Premium*
    Chestertown887.34
    Frostburg888.77
    Easton896.69

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Maryland

    CityAverage Annual Premium*
    Randallstown1,763.21
    Baltimore1,790.19
    Gwynn Oak1,828.98

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Car Insurance Add-Ons That Will 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 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 prevents 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 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 for bodily injury per person
    • $60,000 for bodily injury per accident
    • $15,000 for property damage per accident

    Maryland law also requires drivers to carry $2,500 in personal injury protection. However, this requirement can be waived for people with adequate health care coverage or the ability to pay out of pocket for medical care.

    Maryland’s At-Fault Law

    Maryland is an at-fault car insurance state, meaning the driver who is at fault for an accident bears the financial burden for any bodily injuries or property damage. Drivers have the option of purchasing optional uninsured driver coverage, which covers a situation where an at-fault driver doesn’t have the legally required car insurance.

    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 used Coverage.com’s data of car insurance in Maryland, 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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