Best and Cheapest Car Insurance in Maryland (Save With These 10 Companies in 2024)
We found that USAA, Travelers, and Nationwide have the best and cheapest car insurance in Maryland for drivers.
Want more affordable options for Maryland car insurance? The table below displays the top 10 best and cheapest car insurance companies for Maryland customers.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | $43 | A++ | Military Benefits | USAA |
 |
#2 | $55 | A++ | Specialized Coverage | Travelers |
 |
#3 | $56 | A+ | Accident Forgiveness | Nationwide |
 |
#4 | $57 | B | Teen Discounts | State Farm |
 |
#5 | $62 | A | Loyalty Rewards | American Family |
 |
#6 | $64 | A+ | Budgeting Tool | Progressive |
 |
#7 | $72 | A++ | Low Deductibles | Geico |
 |
#8 | $74 | A | Group Discounts | Farmers |
 |
#9 | $96 | A | 24/7 Support | Liberty Mutual |
 |
#10 | $107 | A+ | Claims Satisfaction | Allstate |
Continue reading to learn more about each company, Maryland insurance requirements, and more. Ready to get cheap Maryland car insurance now? Enter your ZIP code in our free tool.
What You Should Know
- Military and veteran drivers will find the cheapest Maryland car insurance at USAA
- Drivers who don't qualify for USAA will find cheap rates at Travelers and Nationwide
- All Maryland drivers need to carry liability, PIP, and uninsured/underinsured motorist insurance
On this page:
- Top Maryland Companies Rates and Discounts
- Cheapest Teen Car Insurance Rates in Maryland
- Cheapest Married Couple Car Insurance Rates in Maryland
- Cheapest Senior Car Insurance Rates in Maryland
- Cheapest Cities in Maryland for Car Insurance
- Most Expensive Cities in Maryland for Car Insurance
- Maryland Minimum Car Insurance Coverage and Limits
- How Maryland Car Insurance Companies Calculate Rates
- How to Save on Maryland Car Insurance
- How Clearsurance Ranks Maryland Car Insurance Companies
- Finding the Best Maryland Car Insurance Company for You
#1 – USAA: Top Pick Overall
Pros
- Military Benefits: USAA has the best benefits and rates for military and veterans. Read more in our USAA review.
- Customer Service Ratings: Customer service representatives are highly rated in reviews.
- Coverage Options: Maryland customers can buy the basics and more at USAA.
Cons
- Eligibility Restrictions: Maryland customers who are eligible are military drivers, veteran drivers, and their families.
- Limited In-Person Assistance: USAA provides service to Maryland drivers primarily over the phone.
#2 – Travelers: Best for Specialized Coverage
Pros
- Specialized Coverage: Travelers has specialized coverages for modified vehicles, classic cars, and more.
- IntelliDrive Discount Program: Maryland customers are offered a discount just for joining.
- Accident Forgiveness: Eligible Maryland customers will be forgiven an accident.
Cons
- IntelliDrive Rate Changes: Maryland rates could be changed for the worse after program participation if drivers drive badly.
- Customer Reviews: See how overall ratings could be better by checking out our Travelers review.
#3 – Nationwide: Best for Accident Forgiveness
Pros
- Accident Forgiveness: A clean driving record could result in first accident forgiveness at Nationwide.
- Pay-Per-Mile Insurance: SmartMiles allows Maryland customers to pay by the mile.
- Bundling Discounts: Maryland home or renters insurance can be combined with auto insurance. Learn more in our Nationwide insurance review.
Cons
- Few Local Agents: Maryland assistance is offered over the phone or online for most customers.
- High-Risk Rates: A poor driving record may put Nationwide out of some Maryland drivers’ budget.
#4 – State Farm: Best for Teen Discounts
Pros
- Teen Discounts: Teens can get low rates by joining State Farm's good driver program or applying for student discounts.
- Local Agents: Maryland agents provide a great support network. Learn more about agent support in our review of State Farm.
- Coverage Options: Basic Maryland coverages can be combined with specialized add-ons.
Cons
- Online Management: Some tasks are limited online, as agents do most tasks for customers.
- A.M. Best Rating: State Farm’s lower rating shows it is not as financially stable as other companies.
#5 – American Family: Best for Loyalty Rewards
Pros
- Loyalty Rewards: Repeat Maryland customers may see lower rates with a loyalty discount.
- Add-On Coverages: American Family sells roadside assistance, gap coverage, and more to Maryland drivers.
- Accident Forgiveness: A prior clean driving record could result in Maryland drivers being forgiven for an accident.
Cons
- Online Management Limitations: Maryland drivers may need to contact Maryland agents for assistance with some tasks.
- Higher High-Risk Rates: A bad driving record could eliminate the company as an affordable option for some Maryland drivers. For more general rate information, read our American Family review.
#6 – Progressive: Best for Budgeting Tool
Pros
- Budgeting Tool: Maryland drivers on a budget can use a free tool to calculate coverage options.
- Snapshot Program: Progressive’s UBI program has a discount just for signing up in Maryland.
- Loyalty Programs: Join a loyalty program for rewards at Progressive if you plan on being a repeat customer.
Cons
- Snapshot Rate Changes: Maryland rates could be higher if the app tracks bad driving behaviors.
- Ratings from Customers: Check out our Progressive review to see how the lower ratings could be improved.
#7 – Geico: Best for Low Deductibles
Pros
- Low Deductibles: Maryland customers can choose a deductible as low as $0 at Geico.
- Bundling Discount: Maryland customers may want to also get Geico renters insurance or home insurance to keep policies at one provider.
- User-Friendly: Maryland customers can download Geico’s free app to manage everything from their phones.
Cons
- No Local Maryland Agents: Geico representatives work remotely.
- No Gap Coverage: The lack of this coverage is not ideal for Maryland customers who have a new car with a loan or lease.
#8 – Farmers: Best for Group Discounts
Pros
- Group Discounts: Save more by buying insurance for multiple cars or drivers at Farmers.
- Flexible Payment Options: Maryland drivers can pay for their coverage in full or monthly.
- Coverage Options: Farmers sells basics and extras like Maryland roadside assistance. Read more in our Farmers review.
Cons
- Customer Service Ratings: Not all Maryland customers are happy with services.
- Must Buy Accident Forgiveness: While most companies offer accident forgiveness for free, Maryland customers at Farmers must pay for it.
#9 – Liberty Mutual: Best for 24/7 Support
Pros
- 24/7 Support: Issues can be addressed by a representative 24/7.
- Coverage Options: Gap coverage and more can be bought with the basic Maryland insurance requirements.
- Accident Forgiveness: A good driving record could help Maryland drivers get their first accident forgiven.
Cons
- High-Risk Rates: Liberty Mutual could be a more expensive option for Maryland customers with poor driving records.
- Customer Reviews: Learn about how the company’s overall ratings could be improved in our Liberty Mutual review.
#10 – Allstate: Best for Claims Satisfaction
Pros
- Claims Satisfaction: Allstate has a claims satisfaction guarantee for all Maryland customers.
- Milewise Insurance: Inexpensive coverage for lower mileage drivers in Maryland.
- Coverage Options: Pay a little extra to get roadside assistance and more on Maryland policies.
Cons
- Claim Reviews: Customers have ranked claims processing as poor, which you can learn about in our Allstate review.
- Young Driver Rates: Quotes are high for teens in Maryland buying their own car insurance.
Top Maryland Companies Rates and Discounts
When choosing a Maryland car insurance company, you want to make sure you're making the right coverage choice to provide financial protection for yourself and your car. Clearsurance reviews help you decide which Maryland car insurance company is right for you, so that you can be on your way to better coverage rates. Plus, you'll have more of an understanding of what goes into not only purchasing the right coverage, but what is required of you as a driver.
Take a look at the average rates from the cheapest Maryland companies for minimum and full coverage policies below.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $107 | $201 |
| American Family | $62 | $116 |
| Farmers | $74 | $140 |
| Geico | $72 | $135 |
| Liberty Mutual | $96 | $181 |
| Nationwide | $56 | $106 |
| Progressive | $64 | $121 |
| State Farm | $57 | $107 |
| Travelers | $55 | $103 |
| USAA | $43 | $80 |
Driver profiles are generally different between companies, but they can determine what level of protection you may need, and could end up steering you away from only considering the cheapest company on the market and instead looking for great coverage at an affordable price.
Learn More: Liability vs. Full Coverage
If you want to get a full coverage policy, we recommend applying for auto insurance discounts at the best companies in Maryland to make sure you get the lowest rate possible.
At Clearsurance, we want to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Maryland.
With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Maryland car insurance companies.
Read More: How to Buy Car Insurance
In the tables above, you can sort through all the Maryland car insurance companies ranked on Clearsurance. The rating next to each company is the insurer's Clearsurance score and is based exclusively on the ratings provided by customers.
Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Maryland car insurance rankings.
Interested in learning more about one of these Maryland car insurance companies? You can visit the company's profile page to find out what additional coverage types they offer, any discounts they offer, and read car insurance reviews to learn from the experiences of other policyholders.
Cheapest Teen Car Insurance Rates in Maryland
Teens are usually considered high-risk drivers because they have just received their license and are new to the road. They'll have a clean record, but will lack the experience that more mature drivers acquire through practice.
This can sometimes work in their favor - of the numerous discounts in existence, a student can often save money on their annual cost of coverage by providing proof of their good grades. Student discounts are common, so if you have a teen driver in your family, talk to your provider about it. College students may also receive these discounts, so be sure to mention if you have any college-age drivers as well.
For an idea of how much teen car insurance costs in Maine at the cheapest companies, take a look at the minimum coverage rates displayed below.
| Insurance Company | Female (Age 18) | Male (Age 18) |
|---|---|---|
| Allstate | $100 | $205 |
| American Family | $115 | $156 |
| Farmers | $229 | $240 |
| Geico | $87 | $101 |
| Liberty Mutual | $210 | $252 |
| Nationwide | $120 | $153 |
| Progressive | $236 | $264 |
| State Farm | $91 | $113 |
| Travelers | $208 | $291 |
| USAA | $72 | $81 |
Among the cheapest car insurance companies in Maryland, USAA is the cheapest car insurance option for both male and female teen drivers on average. If teens can't get USAA insurance, then Geico is also an affordable choice for new driver car insurance.
Cheapest Married Couple Car Insurance Rates in Maryland
You may not know this, but if you mention your marital status to your insurer, the best car insurance companies for married couples might provide some sort of compensation. Minimum coverage rates for married couples in Maryland at the cheapest companies are displayed below.
| Insurance Company | Rates |
|---|---|
| Allstate | $66 |
| American Family | $49 |
| Farmers | $60 |
| Geico | $33 |
| Liberty Mutual | $74 |
| Nationwide | $52 |
| Progressive | $51 |
| State Farm | $39 |
| Travelers | $40 |
| USAA | $30 |
Out of the most popular car insurers in the state, USAA and Geico offer the most affordable car insurance rates for married couples in Maryland on average.
Cheapest Senior Car Insurance Rates in Maryland
Over the age of 60? If you have a clean driving record, you will have some of the lowest rates in Maryland (Read More: Ways to Save on Senior Driver Car Insurance). In the table below, you can see Maryland car insurance rates for male and female senior drivers for the cheapest companies in the state.
| Insurance Company | Female (Age 65) | Male (Age 65) |
|---|---|---|
| Allstate | $56 | $55 |
| American Family | $38 | $38 |
| Farmers | $46 | $46 |
| Geico | $28 | $28 |
| Liberty Mutual | $59 | $60 |
| Nationwide | $39 | $39 |
| Progressive | $39 | $37 |
| State Farm | $30 | $30 |
| Travelers | $33 | $34 |
| USAA | $20 | $20 |
USAA provides the cheapest car insurance rates for male and female senior drivers on average in Maryland. An older driver may have traffic tickets or a less than perfect driving history, but they're still going to have more experience behind the wheel, which is going to net them a better overall average cost with their annual premiums.
Cheapest Cities in Maryland for Car Insurance
Since car insurance rates depend on factors such as crime rate and accidents in your area, car insurance rates in Maryland can vary from city to city. In the table below, you can see the top ten cheapest cities in Maryland for car insurance based on average rates for single adults.
| City | Rates |
|---|---|
| Smithsburg | $120 |
| Cascade | $121 |
| Chewsville | $121 |
| Maugansville | $121 |
| Clear Spring | $121 |
| Big Pool | $121 |
| Williamsport | $122 |
| Rohrersville | $122 |
| Sabillasville | $122 |
The area with the cheapest car insurance in Maryland is Smithsburg. Other cheap cities in Maryland include Cascade and Chewsville (Learn More: Hacks to Save Money On Your Car Insurance Rates).
Most Expensive Cities in Maryland for Car Insurance
Car insurance in Maryland can be more expensive in some areas of the state than in others (Learn More: Why is car insurance so expensive?). This is because car insurance rates are based on factors such as frequency of car accidents, driving behavior, and crime rate in your area.
The table below displays the top ten most expensive areas in Maryland for car insurance based on average rates for a single adult.
| City | Rates |
|---|---|
| Gwynn Oak | $269 |
| Randallstown | $266 |
| Windsor Mill | $264 |
| Baltimore | $263 |
| Pikesville | $263 |
| Capital Heights | $260 |
| District Heights | $258 |
| Oxon Hill | $251 |
| Bladensburg | $250 |
| Suitland | $234 |
If you live in an expensive city for car insurance, the best thing you can do to lower your rates is to get quotes from the cheapest Maryland insurance companies.
Maryland Minimum Car Insurance Coverage and Limits
It's important for drivers in any state to know the minimum coverage requirements outlined by the law, but it's especially important in Maryland, as it requires more coverage than most states.
Below, we've outlined the minimums set by the state, but, keep in mind that these are only the minimums. You should consider purchasing higher limits to ensure that you aren't underinsured in the event of a costly accident.
- Bodily Injury Liability: $30,000 per person and $60,000 per accident
- Property Damage Liability: $15,000 per accident
- Personal Injury Protection: $2,500 per person
- Uninsured Motorist Bodily Injury: $30,000 per person and $60,000 per accident
- UninsuredMotorist Property Damage: $15,000 per accident
Bodily injury liability coverage provides coverage for injuries sustained by the other vehicle's driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Learn More: How much bodily injury liability coverage do I need?
Property damage liability insurance provides coverage in the event you damage someone else's property in a car accident, most commonly the other vehicle, but also things like a home or fence.
Personal injury protection coverage is needed for any medical expenses or income loss that result from a car accident. It also provides coverage, up to the policy's limits, for family members in the vehicle and for a few other situations. In Maryland, some drivers are able to waive their PIP insurance requirements if they feel they have adequate health insurance coverage to cover them in the event of an accident.
Uninsured Drivers in Maryland
Uninsured motorist coverage offers protection for you in the event that you are injured in an accident by an at-fault driver who doesn’t have insurance. According to 2015 data from the Insurance Information Institute, 12.4 percent of Maryland drivers are uninsured. This coverage means you’ll be protected against these drivers, up to the limits you select for your policy.
Also, consider looking into underinsured motorist coverage. This additional coverage protects you if you get in an auto accident with someone who does not have auto insurance coverage.
How Maryland Car Insurance Companies Calculate Rates
When searching and comparing auto insurance quotes from auto insurance providers in Maryland, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance.
Among the factors that car insurers consider are:
- Age, Gender, & Marital Status
- Driving Record & Annual Mileage
- Your Car’s Make, Model, and Year
- Location & Credit Score
- Amount of Car Insurance Coverage
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to payout. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, drivers simply wouldn't be able to afford the raised rates that are based on how much their insurer had to pay after an accident.
Read More: If a car accident is not your fault, does your insurance go up?
So instead, insurance companies slightly increase rates across the board to offset the costs, though of course, the at-fault driver may see a larger increase. By keeping a clean driving record you are trying to ensure that your auto insurance policy stays on the cheaper end.
How to Save on Maryland Car Insurance
While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can get cheap car insurance.
Here are five ways you may be able to lower your car insurance rates:
- Bundle your auto policies with others
- Consider raising your deductibles
- Pay your car insurance policy in full
- Try usage-based car insurance
- Shop for better insurance rates
At the end of the day, we'd all like to have the best, cheap car insurance from one of the best Maryland car insurance companies.
How Clearsurance Ranks Maryland Car Insurance Companies
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.
Learn More: Insurance Claims Rating for Top 10 Largest Car Insurance Companies
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.
Finding the Best Maryland Car Insurance Company for You
Whether you're buying your insurance directly, or going through an agent, understanding the different car insurance coverage options is a must.
Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works? What does it mean when a driver has a full-coverage policy?
There are many variables when you're purchasing an auto policy. Do you know what sort of insurance discounts exist? Do you know the difference between comprehensive insurance and collision coverage?
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to car insurance.
Making an informed decision could end up saving you a lot of money. Not just by comparison shopping, but also by knowing what to ask when you talk to a provider. If they attempt to sell you a coverage level that you don't need, you're going to end up overpaying. You want a more accurate quote from the companies you're looking into.
Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.
Want to get cheap Maryland insurance quotes today? Compare rates with our free comparison tool to find the best company for you.
Frequently Asked Questions
What provider offers the lowest insurance costs for a teen driver in Maryland?
Among the cheapest car insurance companies in Maryland, USAA is the cheapest car insurance option for both male and female teen drivers on average.
Which insurance provider offers the lowest rates for a married couple in Maryland?
Out of the most popular car insurers in the state, USAA offers the cheapest car insurance rates for married couples in Maryland on average.
Who offers the cheapest policy service options for senior drivers in Maryland?
USAA provides the cheapest car insurance rates for male and female senior drivers on average in Maryland.
Who has the cheapest auto insurance rates in Maryland?
USAA has the cheapest Maryland auto insurance rates on average. If drivers don't qualify for USAA, the companies Travelers and Nationwide have the next cheapest rates.
What is full coverage auto insurance in Maryland?
Full coverage Maryland insurance is when customers purchase collision and comprehensive insurance in addition to the required state minimum.
What is the minimum car insurance in Maryland?
Maryland requires liability insurance, PIP insurance, and uninsured/underinsured motorist insurance.
What is the penalty for not having car insurance in Maryland?
Penalties vary based on the number of offenses, but typically, drivers can expect fines and suspension of driving privileges if they are caught driving without insurance in Maryland.
Is MD a no fault state?
Car accidents in Maryland are not handled as no-fault. Instead, Maryland is an at-fault state. Whoever caused the accident is responsible for all parties' bills.
Is Allstate cheaper than Geico?
In Maryland, Geico is cheaper than Allstate.
Can someone drive my car if they are not on my insurance in Maryland?
Yes, a friend not on your insurance can temporarily drive your car if you give them permissive use.