The best car insurance in Maryland comes from Geico, according to Jerry’s editorial analysis. The company has high financial strength ratings and few complaints to state regulators. Here’s the rundown of the rest of the best insurers in the state.
If you need cheap car insurance in Maryland, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in Maryland overall: Erie Insurance
Why it’s the best: Jerry chose Erie Insurance as the best car insurance for Maryland drivers because of its 4.9 Jerry star rating, superior financial strength and few customer complaints.
Erie also ranks No. 1 out of 14 insurers for overall customer satisfaction in the Mid-Atlantic region, according to J.D. Power’s 2024 U.S. Auto Insurance Study, which ranks insurance companies based on factors like cost and consumer trust.
Erie’s auto policies may automatically include free perks, including coverage if your pet gets hurt in an accident in your car, locksmith services, a waived glass repair deductible, $350 in personal items coverage and accident forgiveness for your first accident if you’ve been insured by Erie for three claims-free years.
You can customize a full coverage policy with roadside assistance and rental coverage. If you upgrade to Erie’s Auto Plus package, you’ll get added benefits like a diminishing or waived deductible, plus increased limits for certain coverages.
Maryland drivers may qualify for a discount if they’ve been continuously insured by Erie for at least three years and have had no accidents or violations. Other discounts are available for bundling policies and storing your car for at least 90 consecutive days.
Runner-up: Geico
Why it’s the best: Geico is Jerry’s top-rated insurer with 5 stars due to its superior financial strength rating and few customer complaints. The insurer ranked below average in J.D. Power’s 2024 U.S. Auto Insurance Mid-Atlantic Study, making it our pick for runner-up.
Drivers in Maryland may get discounts for bundling policies, maintaining a clean driving record for at least one year and for opting into Geico’s telematics program, DriveEasy, and practicing safe driving habits. Drivers 50 and older who voluntarily complete a qualifying defensive driving course may also get a discount.
Geico’s phone app lets customers manage their policy, access insurance ID cards, request roadside assistance and get repair estimates by uploading photos of a damaged car.
More of the best Maryland insurers
The following companies are also among the best car insurance providers in Maryland.
Honorable mention: NJM Insurance Co.
While not yet rated by Jerry, NJM Insurance Co. was ranked No. 2 out of 14 insurers for overall customer satisfaction in the Mid-Atlantic region, according to J.D. Power’s 2024 Auto Insurance Study.
NJM offers various discounts for drivers in Maryland, including savings for bundling policies, going paperless and driving a car that’s two model years old or newer. High school or college students who make honor roll, Dean’s List or have at least a B average may qualify for a discount, as well as drivers under 21 who complete certain driver-training qualifications. Drivers 55 years old or older can get a three year discount for taking an approved driving course.
You may also get a discount for opting into NJM’s telematics program, SafeDrive Go, which tracks your driving through a mobile app and provides feedback on driving behavior like acceleration, braking and distracted driving.
Best full coverage car insurance in Maryland
The following companies offer some of the best full coverage car insurance rates in Maryland.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Trexis | $216 |
| Safeco | $285 |
| Clearcover | $345 |
| Commonwealth Insurance | $371 |
| Progressive | $401 |
Best car insurance for teen drivers in Maryland
Here are the best car insurance rates for teens in Maryland.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 19 | Subaru Outback | Progressive | $220 | April 15, 2025 |
| 19 | Toyota Camry | Electric | $232 | September 3, 2024 |
| 19 | Audi Q3 | National General | $306 | April 17, 2025 |
| 18 | Chevrolet Corvette | Root | $314 | April 16, 2025 |
| 18 | Honda Civic | Root | $413 | March 24, 2025 |
| 19 | Nissan Altima | Progressive | $428 | November 26, 2024 |
| 19 | Hyundai Elantra | Progressive | $502 | November 5, 2024 |
| 19 | Toyota Corolla | Progressive | $509 | May 11, 2025 |
| 19 | Nissan Maxima | Progressive | $564 | December 7, 2024 |
| 19 | Jeep Compass | Progressive | $567 | March 26, 2025 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Maryland
Here are the best car insurance rates for young drivers in Maryland.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $344 |
| Clearcover | $427 |
| Progressive | $487 |
| Gainsco | $498 |
| Root | $528 |
Learn more: Car insurance for college students
Best car insurance for seniors in Maryland
These are the best car insurance companies in Maryland for drivers over 65.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $156 |
| Clearcover | $266 |
| Progressive | $293 |
| Root | $358 |
| Electric | $381 |
Learn more: Car insurance for seniors
How to get the best car insurance in Maryland
Follow these tips to find the best car insurance in Maryland:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
