Comparing auto insurance in Maryland is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Maryland pricing is shaped by Baltimore and Washington-area commuting, I-95 and Beltway congestion, required PIP and UM/UIM coverage, coastal and Chesapeake Bay storm exposure, winter storms, severe storms, flooding, and wildlife collisions. NOAA lists 85 billion-dollar weather and climate disaster events affecting Maryland from 1980 through 2024, including 38 severe storm events, 16 winter storm events, 15 tropical cyclone events, 10 drought events, and 5 flooding events.
Maryland premiums can vary between Baltimore, Montgomery County, Prince George’s County, Anne Arundel County, Howard County, Frederick, Hagerstown, Southern Maryland, the Eastern Shore, Ocean City, suburbs, commuter corridors, and rural counties because traffic density, commute mileage, garaging ZIP code, theft risk, storm exposure, local claim patterns, vehicle type, PIP and UM/UIM selections, driver history, prior insurance, and carrier pricing differ across the state.
30/60/15 + $2.5k PIP + UM/UIM 30/60/15
$30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, $15,000 property damage liability, $2,500 personal injury protection, uninsured/underinsured motorist bodily injury coverage of $30,000 per person and $60,000 per accident, and uninsured motorist property damage coverage of $15,000
At Fault
Required
Maryland requires insurers to provide or offer at least $2,500 in personal injury protection. PIP pays qualifying medical expenses and lost wages regardless of fault. Maryland allows limited PIP and, in some cases, full rejection of PIP coverage, so drivers should review waiver options with their insurer before removing it.
Required
Maryland requires uninsured/underinsured motorist coverage. The minimum required UM/UIM limits match the minimum liability limits: 30/60 bodily injury and $15,000 property damage. Maryland also has enhanced underinsured motorist coverage rules for newer policies, with opt-out requirements if the driver does not want enhanced coverage.
Recent rate data estimates Maryland annual auto insurance premiums at about $2,788 for full coverage and $1,063 for minimum coverage.
| Driver Profile | Estimated Annual Premium |
|---|---|
| Clean record, 35, full coverage | ~$2,788/yr |
| Clean record, 35, minimum required coverage | ~$1,063/yr |
NerdWallet June 2026 Maryland average annual rates for a 35-year-old driver with good credit and a clean driving record.
Source: NerdWallet 2026
Average premiums are estimates and are not quotes. Actual rates vary by ZIP code, garaging location, driver profile, driving record, credit-based insurance score where used, vehicle, coverage limits, deductibles, PIP selection or waiver, UM/UIM selection, discounts, claims history, prior insurance, and carrier.
Maryland minimum coverage focuses on required protection such as $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, $15,000 property damage liability, $2,500 personal injury protection, uninsured/underinsured motorist bodily injury coverage of $30,000 per person and $60,000 per accident, and uninsured motorist property damage coverage of $15,000. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Maryland MVA guidance reviewed for this page does not present SR-22 as the standard Maryland insurance-verification filing. Maryland commonly uses insurance verification and Maryland Insurance Certifications, including FR-19/eFR-19 processes, to confirm coverage with MVA. Drivers with a court order, MVA notice, or out-of-state SR-22 requirement should follow the specific notice and confirm requirements with MVA and their insurer.
Maryland MVA and Insurance Administration guidance reviewed for this page does not use FR-44 as a standard Maryland auto insurance filing.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Maryland auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Maryland drivers, including:
Maryland drivers should ask about discounts for multi-policy bundling, multiple vehicles, good students, driver education or driver safety courses, renewal or continuous coverage, driver monitoring programs, safety devices, anti-theft devices, low mileage, paperless billing, automatic payments, and pay-in-full billing. Maryland Insurance Administration notes that many insurers offer good-student, driver-education, renewal, safety-device, and anti-theft discounts.
Ask about available discounts when comparing quotes.
| Rank | Carrier | Market Share |
|---|---|---|
| 1 | Berkshire Hathaway Group | 22.14% |
| 2 | State Farm Group | 18.96% |
| 3 | Progressive Group | 13.44% |
| 4 | Allstate Insurance Group | 11.51% |
| 5 | United Services Automobile Association Group | 8.99% |
| 6 | Erie Insurance Group | 8.21% |
| 7 | Nationwide Corporation Group | 3.13% |
| 8 | Travelers Group | 3.00% |
| 9 | Liberty Mutual Group | 2.39% |
| 10 | Agency Insurance Company of Maryland Inc. | 1.48% |
Source: National Association of Insurance Commissioners 2024
Carrier rankings are based on NAIC 2024 Maryland total private passenger auto group-level direct written premium market share. These are insurance groups, not necessarily consumer-facing brand names or quote recommendations.
Find auto insurance in these major Maryland cities:
The estimated average cost of car insurance in Maryland is $2,788 per year for full coverage and $1,063 per year for minimum required coverage, based on NerdWallet’s June 2026 Maryland rate analysis for a 35-year-old driver with good credit and a clean driving record. Your actual premium can vary by ZIP code, garaging location, driving record, vehicle, coverage choices, PIP selection or waiver, UM/UIM selection, deductibles, discounts, credit-based insurance score where used, prior insurance history, and carrier.
Maryland requires at least 30/60/15 liability coverage: $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, and $15,000 property damage liability. Maryland also requires minimum uninsured/underinsured motorist coverage with matching 30/60 bodily injury limits and $15,000 uninsured motorist property damage coverage. PIP is also part of Maryland’s required/mandatory-offer coverage structure, with a minimum of $2,500, although waiver and limited-PIP options may apply.
Maryland requires insurers to offer at least $2,500 in PIP, and PIP may be included unless waived or limited as allowed by law. Maryland also requires uninsured/underinsured motorist coverage at minimum limits of 30/60 bodily injury and $15,000 property damage.
Enhanced underinsured motorist coverage can provide broader protection than standard UIM because it may allow policy coverage to be added to the at-fault driver’s available coverage. Maryland Insurance Administration says enhanced underinsured motorist coverage is automatically added to new auto policies after July 1, 2024, unless the driver opts out in writing.
Maryland MVA guidance reviewed for this page does not list SR-22 as the standard Maryland insurance-verification filing. Maryland commonly uses insurance verification and FR-19/eFR-19 certification processes. Drivers with a court order, MVA notice, or out-of-state SR-22 requirement should confirm the exact requirement with MVA and their insurer.
Many insurance partners offer same-day coverage. Once you select a policy and complete the application, coverage can often begin immediately or on the date you specify.
Maryland drivers can compare quotes, maintain continuous coverage, review PIP and UM/UIM selections carefully, ask about good-student, driver-education, renewal, multi-car, bundling, low-mileage, anti-theft, safety-device, telematics, paperless billing, and payment-related discounts, and review deductibles before renewal.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
