Cheap Car Insurance in Maryland for July 2025

Written by Ben Moore and 1 other
Updated Jul 23, 2025
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Cheap Car Insurance in Maryland for July 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 $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
Last Updated Jul, 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
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
Last Updated Jul, 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.

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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 $718 $8,610
21-24 $525 $6,298
Last Updated Jul, 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
Clearcover $287 $3,441
Electric $446 $5,353
National General $501 $6,013
Progressive $588 $7,061
Gainsco $611 $7,331
Last Updated Jul 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
Clearcover $556 $6,677
ROOT $776 $9,316
Progressive $853 $10,233
Gainsco $926 $11,111
National General $1,079 $12,947
Last Updated Jul, 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 $423 $5,072
35-44 $392 $4,709
45-54 $327 $3,927
Last Updated Jul 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
Clearcover $196 $2,358
Gainsco $223 $2,675
National General $232 $2,790
Safeco $261 $3,129
Electric $266 $3,189
Last Updated Jul, 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 $256 $3,072
Clearcover $343 $4,121
National General $521 $6,253
Gainsco $581 $6,967
Progressive $587 $7,048
Last Updated Jul 21, 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 $321 $3,846
65+ $355 $4,255
Last Updated Jul 20, 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
Gainsco $130 $1,561
Bristol West $161 $1,930
Electric $173 $2,082
Progressive $265 $3,184
ROOT $279 $3,346
Last Updated Jul, 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
Clearcover $209 $2,505
Electric $246 $2,949
ROOT $271 $3,246
Progressive $287 $3,442
Safeco $326 $3,914
Last Updated Jul, 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
Trexis $78 $931
AAA $186 $2,235
Assurance America $225 $2,694
Safeco $235 $2,818
First Acceptance $239 $2,868
Last Updated Jul, 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
Assurance America $150 $1,804
The General $203 $2,433
Safeco $287 $3,438
Clearcover $324 $3,890
Gainsco $393 $4,718
Last Updated Jul, 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
Clearcover $333 $3,992
Last Updated Jul, 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
Gainsco $370 $4,441
Electric $441 $5,287
National General $515 $6,178
Bristol West $544 $6,530
Last Updated Jul 20, 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
Gainsco $223 $2,674
Electric $240 $2,881
Progressive $275 $3,295
Bristol West $318 $3,812
Clearcover $331 $3,970
Last Updated Jul 20, 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 $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
Last Updated Jul 20, 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
Assurance America $273 $3,281
Clearcover $326 $3,916
First Acceptance $333 $3,995
Gainsco $412 $4,942
Last Updated Jul 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

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.

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.