Car Insurance in Maryland (2026)
Maryland drivers pay an average of $2,357 per year for full-coverage car insurance. The state requires minimum liability coverage of 30/60/15 (bodily injury per person/per accident/property damage in thousands). Key factors affecting rates in Maryland include dc/baltimore metro congestion and high population density. Comparing quotes from multiple carriers is the best way to find affordable coverage in Maryland, as rates can vary significantly between providers for the same driver profile and coverage level.
$2,357
$196/mo
30/60/15
BI per person/accident/PD
+2%
Above average
GEICO
Most popular in state
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Top Car Insurance Companies in Maryland
Maryland Minimum Coverage Requirements
Maryland requires 30/60/15 liability plus $2,500 PIP and uninsured motorist coverage.
Important: State minimums are the legal floor, not the recommended coverage level. Most financial experts recommend at least 100/300/100 for adequate protection.
Factors Affecting Rates in Maryland
Maryland Car Insurance FAQ
Disclaimer: The information on this page is for general informational purposes only and does not constitute insurance advice. Average premium data is sourced from the Insurance Information Institute and publicly available state data (2024-2025). Actual rates vary significantly based on your specific driving record, age, vehicle, location, coverage selections, and other factors. Always verify coverage requirements with the Maryland Department of Insurance and get personalized quotes from carriers.