Good news for Maryland drivers: Jerry’s latest data shows that liability coverage in the Free State averages about $498 per month. Over the past year we’ve helped 9,202 Marylanders lower their premiums, and drivers who switch with Jerry save an average of $-194 per year without giving up the protection they need for coastal storms, Beltway congestion or long Chesapeake Bay commutes.
Jerry compares quotes from up to 9 trusted insurers in Maryland to build your policy and lock in your best rate in minutes.
Save on Maryland insurance with Jerry
What Maryland drivers are paying right now
Car insurance prices in Maryland shift more than many realize. Heavy traffic around Baltimore and D.C., higher-than-normal theft rates and weather issues like flooding and nor’easter remnants all shape what you pay. Even two drivers with the same vehicle and record can end up with very different premiums depending on their ZIP code and how often they’re on the road.
Jerry tracks live quotes across Maryland to give you a real-time look at what drivers are actually paying today. Below are recent full coverage policies purchased through Jerry and what those drivers paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rates from time to time. In Maryland, everything from seasonal flooding to small updates in your driving profile can move your premium by renewal time.
4 easy ways Jerry helps Maryland drivers save on car insurance
Lowering your premium isn’t just about finding the cheapest number. The real value comes from understanding what affects your rate and adjusting what you can without cutting the coverage you truly rely on.
Jerry makes that easy by comparing real offers, surfacing discounts you may not know you’re eligible for and showing you exactly where you can save.
Here are our top tips to help you spend less and worry less.
| How to save | Average Maryland driver savings |
|---|---|
| Compare quotes | 37% to 63% |
| Stack discounts | 8% to 23% |
| Pick the right deductible | 13% to 71%* |
| Keep a clean driving record | 34% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Maryland’s insurance market is surprisingly varied, even for a small state. Dense urban traffic, high theft rates around Baltimore, flooding risk in coastal counties and heavier commuter miles near D.C. all influence how insurers price risk. Each company weighs those exposures differently, which is why the same driver can see wide price swings.
Comparing quotes side by side with Jerry is the fastest way to avoid overpaying.
Here’s where Maryland drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | Maryland drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 41% | 35% |
| Root | 24% | 14% |
| Bristol West | 12% | 27% |
| Gainsco | 12% | 21% |
| Elephant Auto Insurance | 6% | 5% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Even a few miles can change your rate in Maryland. Jerry shows you these price differences immediately so you can choose coverage that fits both your budget and how you actually drive.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Maryland drivers qualify for at least a handful of discounts. These include safe-driver incentives, bundled home and auto, full-payment discounts, paperless billing and anti-theft devices (especially valuable near Baltimore, where theft rates run higher than the national average). But insurers don’t always apply these savings automatically.
Jerry uncovers the discounts you’re eligible for so you don’t miss out.
Key takeaway: Stacking multiple discounts often saves more than raising your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Your deductible has a direct impact on your premium. Maryland sees its share of weather-related damage, from tropical storm remnants to heavy winter ice, and repair costs can run high in metro areas. Choose a deductible you can genuinely afford if something happens and you need to file a claim.
Here’s what Jerry drivers are choosing for their deductibles:
To find your ideal deductible:
-
Review your car’s value (Jerry updates this monthly).
-
Choose an amount you could comfortably cover out of pocket.
-
Compare how each deductible level affects your rate in real time.
The Jerry difference: Jerry shows real-time pricing across multiple deductible levels so you can balance cost and protection confidently.
Jerry Agent Tip 4: Keep a clean driving record
Maryland hits drivers hard for violations. Jerry data shows that a single infraction, even a modest speeding ticket, raises premiums by 11% on average. Serious violations can cost far more. With the state’s busy commuting routes and heavy enforcement corridors, staying citation-free is one of the most reliable ways to keep your costs low.
Jerry also automatically re-shops your policy once a violation falls off your record so you can capture savings the moment you’re eligible.
Get personalized car insurance rates now
How to get better coverage without overpaying
Maryland requires 30/60/15 liability, uninsured motorist coverage and PIP (unless you waive it), but many drivers choose higher limits or extra protection based on commute distance, weather exposure and theft risk. Here are the common coverage tiers you’ll see:
Minimum
$141 – $295/mo
Meets Maryland’s legal requirements but won’t cover your own vehicle.
Full
$218 – $495/mo
Adds collision and comprehensive, often required if you finance or lease your car.
Standard
$243 – $564/mo
Includes higher UM/UIM limits or medpay, helpful given Maryland’s dense traffic.
Preferred
$273 – $615/mo
Higher liability limits, lower deductibles and extras like towing or rental reimbursement mean top protection.
Key takeaway: Start with your comfort around risk and your car’s value. Jerry shows real-time pricing for each coverage tier so you can choose confidently.
The cheapest policy in Maryland is liability-only, but adding comprehensive or collision is often worthwhile in a state with theft hot spots and variable weather.
-
Coverage definitions
Maryland insurance factors at a glance
Driving in Maryland comes with a mix of urban congestion and coastal weather patterns that directly influence what you pay for car insurance. The combination of high commuter miles, severe storm remnants and above-average theft rates makes your ZIP code one of your biggest price drivers.
Heavy congestion
The D.C.–Baltimore corridor sees some of the nation’s longest commute times… and opportunities for collisions.
Weather exposure
Tropical storm remnants and winter ice cause costly damage, making comprehensive valuable.
Vehicle theft
Baltimore ranks high for auto theft nationwide.
Uninsured drivers
Roughly 17% of Maryland drivers are uninsured, making UM/UIM coverage crucial.
Maryland Insurance After a Ticket, Accident or SR-22
Jerry ensures one mistake doesn’t define your premium forever. We partner with insurers that take a balanced view of past violations and automatically re-shop your policy as your record improves.
If you got a ticket
Maryland adds points for speeding, aggressive driving, running red lights and other violations. Enough points can lead to license suspension or required driver improvement programs. Even a single ticket can raise your premium for several years.
Sign up in the Jerry app and we will monitor your record. Once the violation clears, Jerry shops automatically for better prices.
Here are the average rate increases we’ve seen for Maryland drivers after a ticket:
-
Speeding under 15: 5%
-
Speeding over 15: 10%
-
Failure to obey traffic sign: 8%
-
Reckless driving: 60%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Maryland uses at-fault rules for property damage. An at-fault crash typically raises premiums by average of 11%, and higher rates often stick around for three to five years.
Jerry secures the best available price now and re-shops your policy when the accident drops off your record.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $439 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
DUIs lead to steep fines, license consequences and significant insurance increases. A DUI in Maryland can raise your premium by an average of -9% and remain on your record for years.
Still, some insurers still offer more reasonable high-risk pricing. Jerry identifies those carriers and re-shops your coverage as your record recovers.
Here are the five cheapest insurance companies for Maryland drivers with DUIs:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $341 | Yes | |
| $378 | Yes | |
| $380 | Yes | |
| $387 | Yes | |
| $444 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Maryland
Maryland may require an SR-22 after certain violations, uninsured crashes or suspensions. Select the SR-22 option in the Jerry app to see only insurers that handle these filings. Many charge around $25 per year for processing.
Car Insurance with Bad Credit
Maryland allows insurers to use credit-based insurance scores, but credit is only one factor that affects your premium. Continuous coverage, safe driving and smart deductible choices often do more to move your price.
Jerry helps you compare rates instantly so you always find your best deal.
Average rates in Georgia by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Maryland’s mix of coastal weather, dense commuter corridors and higher theft activity means there’s no one cheapest policy for everyone. The right coverage is the one that fits how you drive.
Jerry makes it easy to build a policy tailored to your Maryland lifestyle and re-shops automatically whenever you qualify for better pricing.
Get Maryland coverage in as little as 2 minutes
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.
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
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.
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.
