Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Read about our editorial standards here.
Compare Car Insurance Quotes in Maryland
Jerry is a free app trusted by 23,024 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.
Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.
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Certified Financial Education Instructor (CFEI) (2024)
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General Lines Agent, Property & Casualty (2025)
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14 years as a professional writer and editor
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10 years covering personal finance
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General Lines Agent, Property & Casualty (2022)
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Awarded Agent of the quarter at Jerry (2023)
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AS in Computer Science from Troy University of Montgomery
Average Maryland car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $152 a month for state minimum and $380 a month for full coverage. But in Maryland, Jerry drivers pay:
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$149 to $301 per month for state-mandated minimum coverage.
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$247 to $542 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 $704 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
Maryland homeowners face a mix of coastal storm exposure along the Chesapeake Bay, flooding in low-lying areas, and nor’easters in winter. Bundling home and auto insurance is one of the simplest ways to reduce your total insurance costs.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Maryland drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Maryland, shopping around helps you find the right fit.
That matters here, where the Baltimore and D.C. suburbs have some of the heaviest traffic in the mid-Atlantic, while drivers on the Eastern Shore or in western Maryland face a completely different set of conditions. Urban density, long commutes and vehicle theft rates in the metro areas all push premiums up. Jerry works with Maryland drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
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, many Jerry drivers choose to buy higher liability limits and coverages like comprehensive and collision. 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 corridor traffic
The I-95, I-495 and I-270 corridors are some of the most congested in the country, and all that stop-and-go commuting means constant rear-end and lane-change crashes. Collision coverage keeps repairs from hinging on a drawn-out fault decision. Also consider a telematics program like Jerry DriveShield to turn your safer driving into a lower rate.
Weather swings and storm damage
Maryland drivers deal with everything from tropical remnants and heavy rain to winter ice and nor’easters. Keeping comprehensive coverage pays for weather-related damage when you’re not in a crash.
Theft and break-ins
Auto theft and break-ins are a bigger factor than many drivers expect in certain ZIP codes, particularly around Baltimore and higher-density areas. Consider comprehensive coverage, which pays out if your car is stolen or broken into. Lock up, park in well-lit areas and keep valuables out of sight.
Uninsured drivers
With roughly 17% of drivers uninsured, according to the IRC, 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
Roughly one in six Maryland drivers is uninsured, according to the IRC. Jerry recommends matching your uninsured/underinsured motorist limits to your liability limits, so you’re protected if the other driver can’t cover your injuries or damage.
Construction zones and tight interchanges
Maryland’s near-constant roadwork, merge-heavy interchanges, and notoriously short on-ramps create a steady stream of fender benders. Stay careful in work zones and give yourself extra space through lane shifts and merges.
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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|---|
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City
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Average monthly cost
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|---|---|
| $552 | |
| $363 | |
| $439 | |
| $408 | |
| $281 | |
| $347 | |
| $380 | |
| $389 |
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.
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.