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.
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 | $121 | $1,446 |
| Assurance America | $157 | $1,887 |
| Safeco | $160 | $1,920 |
| Dairyland | $204 | $2,450 |
| Clearcover | $256 | $3,077 |
| Electric | $273 | $3,271 |
| Gainsco | $285 | $3,422 |
| Bristol West | $307 | $3,688 |
| Progressive | $315 | $3,782 |
| The General | $323 | $3,880 |
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
|
|---|---|---|
| AAA | $186 | $2,235 |
| Safeco | $294 | $3,526 |
| Trexis | $326 | $3,916 |
| First Acceptance | $333 | $3,995 |
| Assurance America | $348 | $4,173 |
| Clearcover | $355 | $4,261 |
| Commonwealth Insurance | $371 | $4,449 |
| Embark General | $418 | $5,021 |
| Dairyland | $449 | $5,393 |
| Progressive | $464 | $5,565 |
If you have a loan or lease on your vehicle, the lender will require
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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 | $718 | $8,610 |
| 21-24 | $525 | $6,298 |
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
|
|---|---|---|
| Clearcover | $287 | $3,441 |
| Electric | $446 | $5,353 |
| National General | $501 | $6,013 |
| Progressive | $588 | $7,061 |
| Gainsco | $611 | $7,331 |
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
|
|---|---|---|
| Clearcover | $556 | $6,677 |
| ROOT | $776 | $9,316 |
| Progressive | $853 | $10,233 |
| Gainsco | $926 | $11,111 |
| National General | $1,079 | $12,947 |
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 | $423 | $5,072 |
| 35-44 | $392 | $4,709 |
| 45-54 | $327 | $3,927 |
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
|
|---|---|---|
| Clearcover | $196 | $2,358 |
| Gainsco | $223 | $2,675 |
| National General | $232 | $2,790 |
| Safeco | $261 | $3,129 |
| Electric | $266 | $3,189 |
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 | $256 | $3,072 |
| Clearcover | $343 | $4,121 |
| National General | $521 | $6,253 |
| Gainsco | $581 | $6,967 |
| Progressive | $587 | $7,048 |
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 | $321 | $3,846 |
| 65+ | $355 | $4,255 |
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
|
|---|---|---|
| Gainsco | $130 | $1,561 |
| Bristol West | $161 | $1,930 |
| Electric | $173 | $2,082 |
| Progressive | $265 | $3,184 |
| ROOT | $279 | $3,346 |
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
|
|---|---|---|
| Clearcover | $209 | $2,505 |
| Electric | $246 | $2,949 |
| ROOT | $271 | $3,246 |
| Progressive | $287 | $3,442 |
| Safeco | $326 | $3,914 |
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
|
|---|---|---|
| Trexis | $78 | $931 |
| AAA | $186 | $2,235 |
| Assurance America | $225 | $2,694 |
| Safeco | $235 | $2,818 |
| First Acceptance | $239 | $2,868 |
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
|
|---|---|---|
| Assurance America | $150 | $1,804 |
| The General | $203 | $2,433 |
| Safeco | $287 | $3,438 |
| Clearcover | $324 | $3,890 |
| Gainsco | $393 | $4,718 |
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 |
| Clearcover | $333 | $3,992 |
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 |
| Gainsco | $370 | $4,441 |
| Electric | $441 | $5,287 |
| National General | $515 | $6,178 |
| Bristol West | $544 | $6,530 |
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
|
|---|---|---|
| Gainsco | $223 | $2,674 |
| Electric | $240 | $2,881 |
| Progressive | $275 | $3,295 |
| Bristol West | $318 | $3,812 |
| Clearcover | $331 | $3,970 |
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 | $304 | $3,650 |
| Cell Phone | $468 | $5,614 |
| Defective Equipment | $96 | $1,149 |
| Driving on Sus. License | $480 | $5,762 |
| Failure to Obey Traffic Sign | $479 | $5,745 |
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 |
| Assurance America | $273 | $3,281 |
| Clearcover | $326 | $3,916 |
| First Acceptance | $333 | $3,995 |
| Gainsco | $412 | $4,942 |
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:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
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
Methodology
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.
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.
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.
