Full Coverage Car Insurance in Maryland
Numbers refreshed
Maryland average rates determine the combined cost of liability, collision and protection against noncollision damage.
- Full coverage costs $147 each month on average.
- The minimum liability limits are 30/60/15.
- Among 51 states, it ranks 12th in cost, with 1st at the top.
How much full coverage costs in Maryland
Full coverage provides liability along with collision and protection against noncollision damage. Maryland figures put those two parts at $824 a year, added to the $944 liability average.
| 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).
When full coverage no longer pays off
While you still owe money for the car, lenders and lease companies require full coverage.
After you pay off the car, compare its value with the added coverage cost of $824 each year. Liability only is usually the better deal if a single bad year of premiums would pay for most of the car.
Maryland full coverage for each car
Based on IIHS-HLDI loss results, these estimates apply to an adult with a clean record. Of the 40 models we price, here are the cheapest and most expensive:
| Car | Per year | Per month |
|---|---|---|
| Honda Pilot | $1,119 | $93 |
| Honda CR-V | $1,147 | $96 |
| Subaru Outback | $1,217 | $101 |
| Toyota RAV4 | $1,350 | $112 |
| Mercedes-Benz C-Class | $2,352 | $196 |
| Chevrolet Camaro | $2,743 | $229 |
| Dodge Charger | $3,199 | $267 |
| Dodge Challenger | $3,268 | $272 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
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