Cheap Car Insurance in Maryland for September 2025

Written by Ben Moore and 1 other
Updated Sep 22, 2025
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Cheap Car Insurance in Maryland for September 2025

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Key Takeaways
  • Aspire Advantage, Clearcover and Gainsco offer some of the cheapest car insurance in Maryland.
  • The average cost of minimum coverage in Maryland is around $260 per month.
  • Compare quotes from multiple insurers to find cheap car insurance in Maryland.

You may find cheap car insurance in Maryland from insurers like Aspire Advantage, Clearcover and Gainsco. These companies are regularly among the most affordable options in the state, according to real quotes for Jerry customers.

Here are more cheap providers for both minimum and full coverage, plus by age, driving history and low credit score.

To find the best car insurance in Maryland, compare car insurance quotes from multiple insurers.

Compare cheap car insurance quotes in Maryland.

Cheap minimum coverage in Maryland

Here are the most affordable insurers in Maryland for minimum coverage policies, according to real car insurance quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $50 $596
Mercury $74 $892
The General $135 $1,615
Geico $139 $1,666
Safeco $140 $1,684
Dairyland $164 $1,968
Progressive $177 $2,125
ROOT $179 $2,154
National General $215 $2,581
AAA $229 $2,747
Last Updated Sept. 18, 2025

Minimum car insurance requirements in Maryland

Drivers in Maryland are required to carry these car insurance limits:

  • $30,000 in bodily injury liability per person.
  • $60,000 in bodily injury liability per accident.
  • $15,000 in property damage liability per accident.
  • $30,000 in uninsured motorist coverage per person.
  • $60,000 in uninsured motorist coverage per accident.
  • $15,000 in uninsured motorist property damage per accident.

More: Cheapest car insurance in Baltimore, Maryland

Cheap full coverage car insurance in Maryland

Below are the cheapest auto insurers in Maryland for full coverage.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $134 $1,609
Anchor General $149 $1,786
Mercury $175 $2,098
Safeco $242 $2,901
Geico $284 $3,408
ROOT $301 $3,608
Embark General $306 $3,667
Progressive $306 $3,676
Assurance America $316 $3,787
The General $330 $3,962
Last Updated Sept. 18, 2025

If you have a loan or lease on 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.

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

Average car insurance costs for young drivers in Maryland

Below are the average costs of car insurance in Maryland for drivers between 18 and 24.

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $753 $9,033
21-24 $540 $6,478
$175 $2,098
$242 $2,901
$284 $3,408
$301 $3,608
$306 $3,667
$306 $3,676
$316 $3,787
$330 $3,962
Last Updated Sept. 18, 2025

Cheap minimum coverage in Maryland for a 20-year-old

Here are the most affordable insurers in Maryland for 20-year-olds with minimum coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Geico $238 $2,852
ROOT $252 $3,024
Clearcover $347 $4,169
Progressive $358 $4,296
National General $417 $5,002
ROOT $301 $3,608
Embark General $306 $3,667
Progressive $306 $3,676
Assurance America $316 $3,787
The General $330 $3,962
Last Updated Sept. 18, 2025

Cheap full coverage in Maryland for a 20-year-old

These are the cheapest car insurance companies in Maryland for 20-year-olds with full coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
ROOT $416 $4,996
Geico $445 $5,340
AAA $489 $5,874
Progressive $615 $7,380
Clearcover $656 $7,877
ROOT $301 $3,608
Embark General $306 $3,667
Progressive $306 $3,676
Assurance America $316 $3,787
The General $330 $3,962
Last Updated Sept. 18, 2025

Average auto insurance costs for mature drivers in Maryland (25-54)

Below are the average costs of car insurance for drivers in Maryland between the ages of 25 to 54.

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $398 $4,777
35-44 $308 $3,699
45-54 $288 $3,454
$615 $7,380
$656 $7,877
$301 $3,608
$306 $3,667
$306 $3,676
$316 $3,787
$330 $3,962
Last Updated Sept. 18, 2025

Cheapest minimum coverage in Maryland for a 35-year-old

Here are the most affordable insurers in Maryland for 35-year-olds with minimum coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Geico $131 $1,575
Safeco $143 $1,713
ROOT $170 $2,042
Progressive $179 $2,143
National General $185 $2,225
ROOT $301 $3,608
Embark General $306 $3,667
Progressive $306 $3,676
Assurance America $316 $3,787
The General $330 $3,962
Last Updated Sept. 18, 2025

Cheapest full coverage in Maryland for a 35-year-old

These are the cheapest car insurance companies in Maryland for 35-year-olds with full coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $247 $2,964
Geico $258 $3,091
ROOT $290 $3,486
Progressive $308 $3,695
National General $314 $3,767
ROOT $301 $3,608
Embark General $306 $3,667
Progressive $306 $3,676
Assurance America $316 $3,787
The General $330 $3,962
Last Updated Sept. 18, 2025

Average car insurance costs for older drivers in Maryland (55+)

Below are the average costs of car insurance for senior drivers in Maryland 55 and older.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $266 $3,197
65+ $271 $3,247
45-54 $290 $3,486
$308 $3,695
$314 $3,767
$301 $3,608
$306 $3,667
$306 $3,676
$316 $3,787
$330 $3,962
Last Updated Sept. 18, 2025

Cheapest minimum coverage in Maryland for a 65-year-old

These are the cheapest car insurance companies in Maryland for 65-year-olds with minimum coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Electric $113 $1,354
Geico $115 $1,376
Progressive $118 $1,411
Safeco $122 $1,465
National General $151 $1,815
ROOT $301 $3,608
Embark General $306 $3,667
Progressive $306 $3,676
Assurance America $316 $3,787
The General $330 $3,962
Last Updated Sept. 20, 2025

Cheapest full coverage in Maryland for a 65-year-old

Here are the most affordable insurers in Maryland for 65-year-olds with full coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Progressive $190 $2,285
Safeco $195 $2,340
Geico $211 $2,530
Clearcover $225 $2,700
Electric $243 $2,914
ROOT $301 $3,608
Embark General $306 $3,667
Progressive $306 $3,676
Assurance America $316 $3,787
The General $330 $3,962
Last Updated Sept. 20, 2025

Cheapest car insurance in Maryland by driving history

Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or other citation.

Cheap car insurance for drivers with clean records in Maryland

These are the cheapest car insurance companies in Maryland for drivers with clean driving histories, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $92 $1,103
Anchor General $149 $1,786
Mercury $155 $1,857
Safeco $221 $2,648
The General $232 $2,779
ROOT $301 $3,608
Embark General $306 $3,667
Progressive $306 $3,676
Assurance America $316 $3,787
The General $330 $3,962
Last Updated Sept. 19, 2025

Cheapest car insurance with a speeding ticket in Maryland

Here are the most affordable insurers in Maryland for those with a speeding ticket, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Trexis $217 $2,598
The General $233 $2,791
Safeco $254 $3,053
Geico $273 $3,279
AAA $296 $3,549
ROOT $301 $3,608
Embark General $306 $3,667
Progressive $306 $3,676
Assurance America $316 $3,787
The General $330 $3,962
Last Updated Sept. 23, 2025

Cheapest car insurance after an at-fault accident with no injury in Maryland

These are the cheapest car insurance companies in Maryland for drivers with an at-fault accident with no injury, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $121 $1,446
Assurance America $179 $2,142
First Acceptance $252 $3,027
Trexis $256 $3,075
AAA $280 $3,363
ROOT $301 $3,608
Embark General $306 $3,667
Progressive $306 $3,676
Assurance America $316 $3,787
The General $330 $3,962
Last Updated Sept. 19, 2025

Cheapest auto insurance after an at-fault accident with injury in Maryland

Here are the most affordable insurers in Maryland for those with an at-fault accident with injury, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Clearcover $325 $3,901
Electric $328 $3,931
Gainsco $376 $4,511
Bristol West $469 $5,624
Progressive $525 $6,305
ROOT $301 $3,608
Embark General $306 $3,667
Progressive $306 $3,676
Assurance America $316 $3,787
The General $330 $3,962
Last Updated Sept. 19, 2025

Cheapest car insurance with a DUI in Maryland

These are the cheapest car insurance companies in Maryland for drivers with a DUI, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Geico $264 $3,163
ROOT $267 $3,204
Progressive $274 $3,287
National General $301 $3,608
Gainsco $305 $3,663
ROOT $301 $3,608
Embark General $306 $3,667
Progressive $306 $3,676
Assurance America $316 $3,787
The General $330 $3,962
Last Updated Sept. 23, 2025

Average auto insurance costs for Maryland drivers with other violations

Below are average car insurance costs in Maryland for other driving violations.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $379 $4,548
Cell Phone $285 $3,420
Defective Equipment $262 $3,142
Driving on Sus. License $638 $7,661
Failure to Obey Traffic Sign $526 $6,310
Illegal Turn $255 $3,056
Improper Passing $407 $4,882
Other $464 $5,574
Passing School Bus $382 $4,579
Racing/Drag Racing $853 $10,240
Reckless Driving $503 $6,036
Suspension $505 $6,065
Wrong Way/Wrong Lane $432 $5,180
Last Updated Sept. 23, 2025

Cheapest auto insurance for low credit scores in Maryland

You’ll likely pay more for auto insurance if you have a low credit score. That’s because insurers in Maryland use credit as a factor in car insurance rate calculations — and drivers with low scores have been shown to be more likely to file a car insurance claim. Here are the cheapest auto insurance companies in Maryland for drivers with a credit score below 550. 

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $193 $2,314
AAA $195 $2,344
First Acceptance $333 $3,995
Clearcover $367 $4,399
National General $417 $5,005
ROOT $255 $3,056
Embark General $407 $4,882
Progressive $464 $5,574
Assurance America $382 $4,579
The General $853 $10,240
$503 $6,036
$505 $6,065
$432 $5,180
Last Updated Sept. 18, 2025

Learn more: How a credit-based insurance score works

How to find cheap car insurance in Maryland

Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.

You can also try these tips to lower your auto insurance costs:

Compare car insurance quotes with Jerry.

More: Best car insurance companies

Factors that affect car insurance costs in Maryland

How much you pay for coverage depends on a variety of factors, including your:

  • ZIP code.
  • Driving history.
  • Vehicle’s year, make, and model.
  • Claims history.
  • Car usage and miles driven.
  • Deductible amount.

More: How car insurance rates are calculated

Cheapest car insurance data methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.

On this page

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes

MEET OUR EXPERTS
meet-experts-thumbnail
Ben Moore

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.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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