The average driver in Maryland pays about $1,602 a year for full coverage — about 11% more than the US average of $1,438. That ranks Maryland #10 of 51 states (one of the most expensive). The car you drive then shifts it: a cheap-to-insure model can land near $769, a high-loss one well over $11,797.
Maryland insurance cost by coverage
Average Maryland premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in Maryland
Maryland legally requires at least 30/60/15 in liability coverage — $30,000 bodily injury per person, $60,000 per accident, and $15,000 property damage. PIP is required. Uninsured-motorist coverage is required. These are legal minimums — most drivers carry more to fully protect themselves. Buying used here? Check the car first — look it up by its Maryland license plate.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in Maryland
Estimated annual premium in Maryland, cheapest first — state average × each car's real HLDI loss index. See the full cheapest cars to insure nationally.
Know what a car really costs to insure and own.
- Your personalized rate by coverage, age and deductible
- Insurance folded into the 5-year cost to own
- Full breakdown: what each coverage actually costs
- Compare insurance across cars, side by side
- No ads, no tracking — and much more
Most expensive cars to insure in Maryland
The priciest cars to insure in Maryland — powerful, theft-prone and costly to repair. See the most expensive cars to insure nationally.
Maryland insurance cost by year
Maryland premiums are up about +19% since 2019. Average Maryland premium by year:
| Year | Maryland avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
Car insurance cost in Maryland's largest cities
Rates vary within Maryland by city and ZIP — dense metros like Baltimore run above the state average, while smaller towns run below. Estimated typical premium in Maryland's biggest cities:
| City | Est. typical / yr | vs state avg |
|---|---|---|
| Baltimore | $1,762/yr | +10% urban |
| Columbia | $1,714/yr | +7% urban |
| Germantown | $1,682/yr | +5% urban |
| Silver Spring | $1,666/yr | +4% urban |
| Waldorf | $1,634/yr | +2% urban |
| Frederick | $1,618/yr | ≈ state avg |
| Rockville | $1,602/yr | ≈ state avg |
City figures are estimates — urban areas trend above the state average; your exact rate depends on your ZIP, car and record. Use the calculator above for your specific car.
Maryland car insurance — frequently asked
How much is car insurance in Maryland?
The average is about $1,602/yr ($134/mo) for full coverage — 11% above the US average. Your exact rate depends on your car, age and record.
What is the minimum car insurance required in Maryland?
Maryland requires at least 30/60/15 liability — $30,000 bodily injury per person, $60,000 per accident and $15,000 property damage, plus PIP, plus uninsured-motorist coverage.
Is car insurance expensive in Maryland?
Maryland ranks #10 of 51 states (one of the most expensive). At $1,602/yr it is above the national average of $1,438.
What is the cheapest car to insure in Maryland?
On our data, low-loss models like the Chevrolet Express are cheapest to insure in Maryland — around $769/yr.
How much is car insurance per month in Maryland?
About $134/month for a typical car with full coverage — less for cheap-to-insure models, more for high-performance ones.