Car Insurance in Maryland
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What Maryland drivers pay, the legal minimum and the cheapest insurers.
- $147.Monthly average for full coverage.
- 30/60/15.Lowest liability limits.
- The state ranks 12th of 51 for expense (1st = highest)
Maryland car insurance costs
Full coverage costs the average Maryland driver $1,768 a year, or about $147 a month. Legal minimum coverage alone costs $944 a year on average. Compared with the yearly US average of $1,613, that cost is 10% higher.
| 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).
Maryland's legal minimum coverage
In Maryland, the required minimum is 30/60/15 liability. It includes $30,000 per injured person and $60,000 for all injured people in one crash. Other people's property damage is covered up to $15,000.
After a crash, personal injury protection pays your own medical bills. Maryland also requires this coverage.
You must have both uninsured and underinsured motorist cover.
Lowest-cost insurers in Maryland's rate guide
Single male, 30, homeowner, 2015 Toyota RAV4 Limited AWD, clean record, 25,000 mi/yr, 100/300/100 + PIP $2,500 + UM + comp $250/coll $500. The yearly premiums come from the state's own comparison guide.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | Branch Insurance Exchange | $2,156 | $180 |
| 2 | Progressive | $2,964 | $247 |
| 3 | USAA | $2,971 | $248 |
| 4 | USAA | $3,119 | $260 |
| 5 | Farmers Insurance | $3,194 | $266 |
Source: Maryland Insurance Administration: Auto Insurance: A Comparison Guide to Rates (As of August 2026).
How many Maryland drivers lack insurance?
In 2023, about 17% of Maryland drivers had no car insurance, making up the 14th highest share among the 51. If an uninsured driver hits you, this coverage pays your bills.
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