Maryland Car Insurance Cost for 2025

• Maryland car insurance rates average $2,394 per year for full coverage, or about $200 on a monthly basis.
• Maryland ranks fourth out of 11 Northeastern states for average car insurance cost and ranks 27^th out of all 50 U.S. states.
• The cheapest insurance rates in Maryland tends to be found on compact SUVs like the Subaru Crosstrek, Nissan Kicks, Chevrolet Trailblazer, and Buick Envision.
• Out of 20 of the most popular vehicles in Maryland, only eight make our list of the top 75 cheapest to insure.

How much does car insurance cost in Maryland?

Average car insurance cost in Maryland is $2,394 per year, or around $200 per month, which is 5.1% more than the national average car insurance rate of $2,276 per year.

Average annual and monthly car insurance quotes in Maryland for five of the most popular vehicles sold in the state include:

1. Ford F-150 pickup – $2,682 per year ($224 per month)
2. Toyota RAV4 compact SUV – $2,208 per year ($184 per month)
3. Honda CR-V compact SUV – $2,042 per year ($170 per month)
4. Toyota Camry midsize car – $2,572 per year ($214 per month)
5. Ram 1500 pickup – $2,770 per year ($231 per month)

The chart below shows average car insurance rates in Maryland for 2024 model year vehicles and different driver ages and policy deductible amounts.

Average rates in the chart above range from $1,680 per year for a 60-year-old driver with $1,000 deductibles to $5,602 per year for a 20-year-old driver with $250 deductibles. From a monthly standpoint, the same rates range from $140 to $467 per month.

Average rates make some assumptions like the driver is 40 years old, male, and has a clean driving record. Obviously, not every driver is going to fit into that category, so the list below includes some additional situations where rates fall outside the average.

• Not everyone has a spotless driving record, and a major driving conviction like reckless driving, leaving the scene of an accident, or a DUI could increase rates by $2,224 or more each year.
• Even minor driving citations like speeding tickets could increase the annual cost of auto insurance in Maryland by $638 or more for the average driver.
• Having an at-fault accident on your driving record could cause your rates to increase by as much as $998 each year.
• The insured vehicle has a huge impact on car insurance quotes. For example, insuring a Honda CR-V instead of a Ford Bronco could save as much as $614 per year on your car insurance bill.

How does Maryland car insurance cost compare?

When compared to surrounding states, Maryland car insurance rates are 14.1% cheaper than Delaware, 2.3% cheaper than Pennsylvania, 2.8% more expensive than West Virginia, and 21.3% more expensive than Virginia.

The chart below shows how average auto insurance rates in Maryland compare to other Northeast U.S. states. Maryland ranks fourth for cheapest car insurance rates in the Northeast region, and ranks 27^th when compared to all 50 states.

When compared to other states outside the Northeast, the average car insurance cost in Maryland is 0.4% cheaper than Oregon, 0.8% more expensive than Montana, 0.8% more expensive than Arizona, 18.6% cheaper than California, and 15.3% cheaper than Florida.

What vehicles have cheap car insurance in Maryland?

Some of the cheapest vehicles to insure in Maryland include the Toyota GR Corolla at $2,082 per year, the Kia K5 at $2,306 per year, the Honda Passport at $1,906 per year, and the Subaru Crosstrek at $1,770 per year.

Some of the cheapest luxury car insurance rates in Maryland can be found on the Acura Integra at $2,128 per year, the BMW 330i at $2,438 per year, and the Mercedes-Benz CLA250 at $2,464 per year.

For pickups and large SUVs, the cheapest insurance rates are on the Chevrolet Colorado at $2,108 per year, the Nissan Titan at $2,240 per year, the Chevrolet Tahoe at $2,248, and the Chevrolet Suburban at an average cost of $2,374 per year.

The table below ranks the top 75 cheapest vehicles to insure in Maryland from the 2024 model year. Models are chosen from all vehicle segments including cars, SUVs, pickups, and sports cars, including luxury models.

Cheapest car insurance by vehicle segment

The previous table ranking the top 75 cheapest vehicles to insure in Maryland tends to be heavy on compact and midsize cars and SUVs, which are generally the cheapest types of vehicles to insure.

The list below takes each vehicle segment and breaks out the cheapest model to insure in each. Each vehicle name links to a more detailed insurance cost analysis, and rates are shown for both annual and monthly terms.

• Toyota GR Corolla insurance – Cheapest compact car at $2,082 per year or $174 per month
• Subaru Crosstrek insurance – Cheapest compact SUV at $1,770 per year or $148 per month
• Kia K5 insurance – Cheapest midsize car at $2,306 per year or $192 per month
• Honda Passport insurance – Cheapest midsize SUV at $1,906 per year or $159 per month
• Chrysler 300 insurance – Cheapest full-size car at $2,282 per year or $190 per month
• Chevrolet Tahoe insurance – Cheapest full-size SUV at $2,248 per year or $187 per month
• Chevrolet Colorado insurance – Cheapest midsize pickup at $2,108 per year or $176 per month
• Nissan Titan insurance – Cheapest full-size pickup at $2,240 per year or $187 per month
• GMC Sierra 2500 HD insurance – Cheapest heavy duty pickup at $2,436 per year or $203 per month
• Honda Odyssey insurance – Cheapest minivan at $2,188 per year or $182 per month
• Mazda MX-5 Miata insurance – Cheapest sports car at $2,216 per year or $185 per month
• Acura Integra insurance – Cheapest compact luxury car at $2,128 per year or $177 per month
• Acura RDX insurance – Cheapest compact luxury SUV at $2,002 per year or $167 per month
• Mercedes-Benz CLA250 insurance – Cheapest midsize luxury car at $2,464 per year or $205 per month
• Jaguar E-Pace insurance – Cheapest midsize luxury SUV at $2,238 per year or $187 per month
• Audi A5 insurance – Cheapest full-size luxury car at $2,846 per year or $237 per month
• Infiniti QX80 insurance – Cheapest full-size luxury SUV at $2,686 per year or $224 per month

Average car insurance cost for popular vehicles

Most of the more popular vehicles sold in Maryland do not make the lists of cheapest vehicles to insure. Models like the Subaru Crosstrek, Honda CR-V, and Nissan Rogue do because they are both popular AND cheap to insure, but others like the Ford Bronco, Jeep Wrangler, and Chevy Silverado have more costly insurance rates.

The next chart takes 20 of the more popular vehicles sold in Maryland and ranks them by average car insurance cost. The nine cheapest models (through the Honda Civic) made the list of the 75 cheapest vehicles to insure, but the remaining models have high enough rates that they did not make the cut.

Maryland car insurance rates by city

Listed below are some of the larger cities in the state of Maryland and the average annual and monthly car insurance rates for each. Visit any page to view detailed rate information, including rate averages, cost comparisons, and the cheapest cars, pickups, and SUVs to insure in each city.

• Baltimore Car Insurance - $2,944 per year or $245 per month
• Frederick Car Insurance - $2,116 per year or $176 per month
• Rockville Car Insurance - $2,354 per year or $196 per month
• Gaithersburg Car Insurance - $2,344 per year or $195 per month
• Bowie Car Insurance - $2,472 per year or $206 per month
• Hagerstown Car Insurance - $2,076 per year or $173 per month
• Annapolis Car Insurance - $2,272 per year or $189 per month

Additional rates and observations

Below are some additional situations that can cause car insurance rates to fluctuate from the average. Some are policy coverage changes that can impact rates and others are differences in driver risk profile.

• Fewer accidents means cheaper car insurance. Having at-fault accidents will cost you more, potentially up to $1,158 per year for a 30-year-old driver and even $588 per year for a 60-year-old driver.
• Car insurance for teens can be expensive. Average teen driver car insurance quotes in Maryland cost $8,532 per year for a 16-year-old driver, $8,264 per year for a 17-year-old driver, $7,408 per year for a 18-year-old driver, and $6,743 per year for a 19-year-old driver.
• Obey the law to get lower insurance rates. To get cheaper car insurance quotes, it pays to avoid traffic citations. Just a couple of minor driving offenses can increase the cost of a policy by as much as $638 per year. Major misdemeanors such as driving under the influence or reckless driving could raise rates by an additional $2,224 or more.
• High-risk Maryland car insurance can get expensive. For a 40-year-old driver, having to buy a high-risk insurance policy can cause rates to increase by $2,902 or more per year.