Compare car insurance quotes in Maryland
Jerry is a free app trusted by 22,097 Maryland drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Average Maryland car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $382 a month for full coverage. But in Maryland, Jerry drivers pay:
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$147 to $305 per month for state-mandated minimum coverage.
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$245 to $550 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often find lower rates. Over the last 12 months, Jerry has helped Marylanders save an average of $759 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
If that still sounds too time consuming, Jerry can help! Think us as your proactive assistant. We help you compare offers side-by-side and lock in your Maryland car insurance in under 10 minutes directly in the app. The app is free, and we protect your privacy by never selling your info or spamming you with calls. If you ever need extra help, our licensed agents (real humans!) are just a tap away.
Just remember that your final quote will depend on personal factors like your driving record, your type of car and where in Maryland you live. Here are some full coverage rates that Jerry drivers in Maryland have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
One of the best ways to save on home insurance in Maryland is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Maryland drivers are paying with Jerry
Checking rates with several insurers is the simplest way to land the right coverage, whether you want to tailor a policy from scratch, mirror what you have now or just lock in the cheapest car insurance in Maryland that you can find.
Maryland drivers aren’t all dealing with the same reality, even if they live 30 miles apart. A commute up I-95, street parking in Baltimore, weekend miles on the Bay Bridge or a quieter routine out in Frederick all show up differently in your rate. We see those patterns every day in the quotes we pull, so we can help you compare insurers with context, not guesswork.
Jerry helps you compare quotes from up to 10 trusted insurers in the Old Line State, so you can see what’s out there and what you should be paying. Below are some of the latest quotes Jerry has pulled for Maryland drivers at different coverage levels, plus how much each driver saved.
Recent quotes in Maryland
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Maryland car insurance coverage requirements
Drivers in Maryland are legally required to carry a combination of liability insurance and uninsured/underinsured motorist (UM/UIM) coverage. State minimum requirements include:
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$30,000 in bodily injury liability per person.
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$60,000 in bodily injury liability per accident.
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$15,000 in property damage liability per accident.
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$30,000 in uninsured motorist coverage per person.
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$60,000 in uninsured motorist coverage per accident.
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$15,000 in uninsured motorist property damage per accident.
While this is the minimum insurance you need to get behind the wheel in Maryland, most Jerry drivers choose to buy higher liability limits, comprehensive and collision coverage. Considering that nearly 17% of Maryland drivers are uninsured, buying even more UIM protection is also recommended.
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Coverage definitions
Factors affecting Maryland car insurance rates in 2026
D.C.–Baltimore congestion
The I-95, I-495, and I-270 corridors see dense, stop-and-go commuting and plenty of rear-end and lane-change crashes. More traffic usually means more claims, which can translate to higher premiums, especially for frequent commuters.
Weather swings and storm damage
Maryland drivers deal with everything from tropical remnants and heavy rain to winter ice. Those conditions can lead to both collision claims (slick roads) and non-collision losses (fallen branches, flooding). Comprehensive coverage is the piece that typically helps with weather-related damage when you’re not in a crash.
Theft and break-ins
Auto theft and vehicle break-ins can be a bigger factor in certain ZIP codes, particularly around higher-density areas. Comprehensive coverage generally covers theft, and it’s often what makes “full coverage” feel worth it for drivers who park on the street.
Uninsured drivers
With roughly 17% of drivers uninsured, there’s a real chance the other person won’t have enough coverage when something goes wrong. UM/UIM coverage helps protect you in that scenario, especially for injury-related costs.
Higher repair and labor costs
In busy metro areas, repair bills can climb quickly due to labor rates, parts pricing, and the extra work modern cars require after even a small impact. A deductible you can comfortably afford makes it more likely your coverage actually helps when you need it.
Construction zones and tight interchanges
Maryland’s constant roadwork, merge-heavy interchanges, and short on-ramps create a steady stream of fender benders. Staying conservative in work zones helps, and tools like DriveShield can reward safer driving over time.
Average cost of car insurance in major Maryland cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $556 | |
| $365 | |
| $437 | |
| $405 | |
| $277 | |
| $287 | |
| $380 | |
| $348 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Maryland quotes in as little as 2 minutes.
Learn more about driving in Maryland
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Everything you need to know about Maryland towing laws.
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
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Learn about uninsured motorist coverage and why it matters.
FAQ
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Is Maryland an at-fault state?
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What happens if I drive without insurance in Maryland?
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Does Maryland require uninsured motorist (UM) coverage?
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Do I have to return my plates if I cancel insurance in Maryland?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.