Cheapest Car Insurance in Maryland: Your 2025 Guide
Find cheap car insurance in Maryland. Compare rates, explore discounts, and save more on coverage tailored to your budget.
Every driver could benefit from finding cheap auto insurance in Maryland if they want to save money. There are multiple options for drivers of different ages and credit histories. However, understanding how car insurance pricing works is the first step in obtaining affordable coverage.
This guide explores the factors that affect car insurance costs and the cheapest car insurance options by driver profile and history. Additionally, we’ll give you tips on how to get the best auto insurance deal for your unique situation.
Cheapest Car Insurance in Maryland by Age
Age is a key factor that providers consider when determining car insurance premiums in Maryland. Insurers see teen drivers as a higher risk than older adults because they’re more likely to get into accidents. However, drivers of all age groups can still find affordable Maryland auto insurance.
Teens (17 Years Old)
Teens often face some of the highest car insurance premiums because of their limited driving experience. They’re more likely to be involved in accidents, so many providers view them as a higher risk to insure. However, people in this age group can find affordable coverage by taking advantage of good student discounts and comparing car insurance quotes.
One of the cheapest companies for teens is USAA, with annual rates of $3,089 for females and $3,663 for males. However, USAA is only available to current and former military members and their families. Therefore, teens who do not qualify can find the next cheapest coverage with Geico and Erie.
Young Adults (25 Years Old)
Young adults can enjoy more affordable rates because of their driving experience. Drivers in this age group can find cheap car insurance in Maryland from multiple companies. The cheapest option is USAA at $1,238 for females and $1,375 for males. The next cheapest is Geico, with annual sample rates of $1,325 for females and $1,658 for males.
| Company | 17-Year-Old Female | 17-Year-Old Male | 25-Year-Old Female | 25-Year-Old Male |
|---|---|---|---|---|
| USAA | $3,089 | $3,663 | $1,238 | $1,375 |
| Geico | $3,885 | $4,978 | $1,325 | $1,658 |
| Erie | $4,021 | $4,021 | $2,341 | $2,409 |
| State Farm | $5,048 | $6,371 | $2,018 | $2,318 |
Source: Cheapest Car Insurance in Maryland for 2025 (US News)
Adults (40 Years Old)
40-year-old drivers get some of the cheapest auto insurance Maryland has to offer because insurance companies consider them safe drivers who are more financially stable. They are less likely to get into accidents and, therefore, unlikely to file claims.
As a result, many providers in Maryland offer low rates, with USAA being the cheapest. They offer $1,073 for females and $1,041 for males annually. If you do not qualify for USAA, the next best option is Geico.
Seniors (60 Years Old)
The average cost of car insurance in Maryland for senior drivers is much lower than for other age groups. On average, seniors pay around $ 1,896 to $ 1,962 annually, but some providers offer cheaper rates.
For example, USAA is the top choice for the most affordable at just $1,008 per year for females and males. Geico is another affordable option for this age group.
| Company | 40-Year-Old Female | 40-Year-Old Male | 60-Year-Old Female | 60-Year-Old Male |
|---|---|---|---|---|
| USAA | $1,073 | $1,041 | $1,008 | $1,008 |
| Geico | $1,148 | $1,201 | $1,108 | $1,108 |
| Erie | $1,555 | $1,503 | $1,540 | $1,438 |
| State Farm | $1,809 | $1,809 | $1,662 | $1,662 |
Source: Cheapest Car Insurance in Maryland for 2025 (US News)
Cheapest Car Insurance, Maryland: By Driving Record
One of the other factors that can impact your car insurance premiums is your driving history. A clean driving record usually results in lower premiums. On the other hand, violations such as speeding tickets and DUIs can increase your rates.
With 1 Speeding Violation
Even one speeding ticket can raise your insurance premium by 20% to 30%. In Maryland, if you have a speeding violation on your record, you can expect to pay an average annual rate of $2,794. But some providers offer cheaper rates, with USAA being the most affordable. They provide an average yearly rate of $1,334 to drivers in this category.
With 1 Accident
Your rates are likely to increase when you cause an accident. Maryland drivers who have one at-fault accident on their record may see their premiums rise by 40% or more. USAA has the lowest average annual rates for drivers with an at-fault accident at $1,852. The second lowest option is Geico.
With 1 DUI
A DUI is one of the most severe violations for car insurance companies. It immediately classifies the driver as high-risk, which can raise your insurance premiums by up to 100%. In Maryland, drivers with a DUI on their record can find affordable premiums with Geico at $1,575 per year.
| Company | With 1 Speeding Violation | With 1 Accident | With 1 DUI | ||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| USAA | $1,334 | $1,852 | $2,428 | ||||||||||||||||||||||||||||||||||||
| Geico | $1,421 | $1,957 | $1,575 | ||||||||||||||||||||||||||||||||||||
| Travelers | $2,238 | $2,360 | $2,543 | ||||||||||||||||||||||||||||||||||||
| Nationwide | $2,414 | $2,950 | Source: Cheapest Car Insurance in Maryland for 2025 (US News) Cheapest Maryland Car Insurance for Poor CreditYour car insurance rates will increase if you have a poor credit score. Insurance providers see you as a higher risk to insure because of your likelihood of filing a claim. That is why working on your credit score is a good way to get lower rates. Drivers in Maryland with poor credit often pay more than twice the premiums of those with good credit. However, some companies offer affordable premiums. For example, Geico is the most affordable at $1,957.
Source: Cheapest Car Insurance in Maryland for 2025 (US News) Average Cost of Auto Insurance in Maryland Maryland drivers can expect to pay an average of $2,260 per year for auto insurance. However, the cost may be higher or lower depending on factors such as location and driving record. Factors Affecting Car Insurance Rates in MarylandSeveral factors influence the cost of car insurance in Maryland. They include:
Auto Insurance Rates by City in MarylandYour city of residence can affect your premiums. It's because some cities (often urban areas) face higher crime rates, weather conditions, and other factors that make it riskier to insure you. For example, Baltimore residents pay about 7% more than the state average. On the other hand, drivers in Columbia pay about 8% less. Some of the big cities where you can find cheap auto insurance, Maryland include:
Source: Average Cost of Car Insurance in Maryland for 2025 (Bankrate) How Much Car Insurance Do I Need in Maryland?Maryland law requires all drivers to have the following minimum coverage:
While these are the minimum required, you may want to consider additional coverage for better protection. It's because the minimum limits may not be enough in certain incidents. For example, if you cause a collision with multiple cars, you may have to pay more than $15,000. Additional Maryland Car InsuranceSome drivers get additional coverage for better financial protection. Some of the optional coverages to consider include:
It's important to note that these coverages increase your premium. Therefore, always examine your financial health before choosing additional insurance. How to Get the Cheapest Car Insurance RatesTo get the cheapest car insurance rates in Maryland, consider the following strategies:
Maryland Car Insurance FAQsWho Truly Has the Cheapest Car Insurance?The cheapest car insurance in Maryland depends on several factors, including your age and driving record. However, USAA and Geico are the cheapest car insurance companies for most groups, including teenagers and high-risk drivers (DUI, Speeding Violations, etc). What Happens if My Car Is Not Properly Insured in Maryland?Driving without the minimum required car insurance in Maryland is illegal. If you're caught, you could face penalties, including fines and suspension of your driver's license. Therefore, always maintain at least the minimum coverage to avoid these consequences. How Do I Show Proof of Car Insurance in Maryland?When authorities ask for proof of car insurance in Maryland, you can provide your paper insurance card, which includes your policy number and insurer details. You can also show proof digitally using your electronic insurance identification card, which may be found on the insurer’s mobile app. How Much is Car Insurance Per Month in Maryland?Maryland drivers can expect to pay an average of $188 per month for car insurance. However, the cost may be higher or lower depending on factors such as age and driving history. Are There Alternatives for People Who Are Denied Coverage in Maryland?Drivers who cannot get insurance coverage in the open market can use the Maryland Automobile Insurance Fund (MAIF) or Maryland Auto Insurance. You can qualify for MAIF in several ways, such as having your policy canceled or nonrenewed for any reason, except for nonpayment. Explore New Horizons |
