Average Car Insurance Cost in Maryland
Numbers refreshed
Broken down by coverage, the NAIC averages for Maryland come with the national rank.
- For full coverage, the average is $1,768 a year.
- Minimum liability limits are 30/60/15.
- Maryland is the 12th of 51 most expensive states (1st = highest).
Average Maryland cost, broken down by coverage
In Maryland, full coverage costs an average of $1,768 a year. That amount is 10% above what the US averages, $1,613 a year.
In 2024, average spending per insured car reached $1,626, 10.2% higher than $1,476 in 2023.
| Coverage in Maryland | Per year | Per month |
|---|---|---|
| Liability | $944 | $79 |
| Collision | $554 | $46 |
| Comprehensive | $269 | $22 |
| Full coverage (all three) | $1,768 | $147 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Similar states compared with Maryland
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Rhode Island | 9th | $1,850 | $154 |
| Colorado | 10th | $1,835 | $153 |
| Michigan | 11th | $1,791 | $149 |
| Maryland | 12th | $1,768 | $147 |
| Delaware | 13th | $1,746 | $145 |
| California | 14th | $1,690 | $141 |
| Connecticut | 15th | $1,690 | $141 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The number that belongs to you
Averages combine data from every age and record. The calculator for Maryland adjusts them for your details.
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