Maryland Car Insurance Cost for 2025

How much does car insurance cost in Maryland? We break down average insurance rates and reveal the vehicles with the cheapest car insurance in Maryland.

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How much does car insurance cost in Maryland?

Average car insurance cost in Maryland is $2,352 per year, or around $196 per month, which is 5.7% more than the national average car insurance rate of $2,221 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 – $2,630 per year ($219 per month)
  2. Toyota RAV4 compact SUV – $2,170 per year ($181 per month)
  3. Honda CR-V compact SUV – $2,004 per year ($167 per month)
  4. Toyota Camry midsize car – $2,526 per year ($211 per month)
  5. Ram 1500 pickup – $2,718 per year ($227 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 full-coverage car insurance premium in Maryland for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Maryland for different ages of drivers. Rates updated on June 26, 2025.

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Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Maryland Zip Codes.

Average Car Insurance Cost in Maryland
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$4,002$334
$500$4,730$394
$250$5,502$459
30$1,000$2,104$175
$500$2,510$209
$250$2,932$244
40$1,000$1,978$165
$500$2,352$196
$250$2,740$228
50$1,000$1,762$147
$500$2,084$174
$250$2,420$202
60$1,000$1,648$137
$500$1,950$163
$250$2,264$189

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Maryland Zip Codes. Updated June 26, 2025

Average rates in the chart above range from $1,648 per year for a 60-year-old driver with $1,000 deductibles to $5,502 per year for a 20-year-old driver with $250 deductibles. From a monthly standpoint, the same rates range from $137 to $459 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 $2,184 or more each year.
  • Even minor driving citations like speeding tickets could increase the annual cost of auto insurance in Maryland by $626 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 $976 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 $604 per year on your car insurance bill.

How does Maryland car insurance cost compare?

When compared to surrounding states, Maryland car insurance rates are 14.4% cheaper than Delaware, 2.3% cheaper than Pennsylvania, 2.8% more expensive than West Virginia, and 21.8% 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 27th when compared to all 50 states.

Average cost of car insurance in Maryland compared to other Northeast region states.
Figure 2: Average cost of car insurance in Maryland compared to other Northeast region states. Rates updated on June 27, 2025.
Average Car Insurance Cost in Maryland Compared to Northeast Region
Northeast Region States Average Annual Premium Cost Difference
Maine$1,784-$568
New Hampshire$1,898-$454
Vermont$1,998-$354
Maryland$2,352--
Pennsylvania$2,406$54
Massachusetts$2,634$282
Connecticut$2,674$322
Delaware$2,716$364
New York$2,752$400
New Jersey$2,844$492
Rhode Island$2,892$540

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Maryland Zip Codes. Updated June 27, 2025

When compared to other states outside the Northeast, the average car insurance cost in Maryland is 0.3% cheaper than Oregon, 0.9% more expensive than Montana, 1% more expensive than Arizona, 18.9% cheaper than California, and 15.7% 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 $2,042 per year, the Kia K5 at $2,266 per year, the Honda Passport at $1,872 per year, and the Subaru Crosstrek at $1,738 per year.

Some of the cheapest luxury car insurance rates in Maryland can be found on the Acura Integra at $2,090 per year, the BMW 330i at $2,392 per year, and the Mercedes-Benz CLA250 at $2,418 per year.

For pickups and large SUVs, the cheapest insurance rates are on the Chevrolet Colorado at $2,072 per year, the Nissan Titan at $2,198 per year, the Chevrolet Tahoe at $2,206, and the Chevrolet Suburban at an average cost of $2,330 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.

Top 75 Cheapest Car Insurance Rates in Maryland
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,738$145
2Chevrolet Trailblazer$1,766$147
3Kia Soul$1,834$153
4Nissan Kicks$1,850$154
5Honda Passport$1,872$156
6Buick Envision$1,884$157
7Toyota Corolla Cross$1,896$158
8Hyundai Venue$1,910$159
9Mazda CX-5$1,918$160
10Ford Bronco Sport$1,924$160
11Volkswagen Tiguan$1,946$162
12Acura RDX$1,964$164
13Nissan Murano$1,976$165
14Buick Encore$1,996$166
15Subaru Outback$2,002$167
16Honda CR-V$2,004$167
17Buick Envista$2,010$168
18Volkswagen Taos$2,016$168
19Kia Niro$2,022$169
20Toyota GR Corolla$2,042$170
21Subaru Ascent$2,044$170
22Honda HR-V$2,046$171
23Nissan Leaf$2,060$172
24Chevrolet Colorado$2,072$173
25Lexus NX 250$2,080$173
26Honda Civic$2,082$174
27Volkswagen Atlas$2,086$174
28Acura Integra$2,090$174
29Subaru Forester$2,092$174
30Volkswagen Atlas Cross Sport$2,094$175
31Kia Seltos$2,100$175
32GMC Terrain$2,102$175
33Nissan Rogue$2,114$176
34Hyundai Kona$2,118$177
35Cadillac XT4$2,122$177
36Mazda CX-30$2,122$177
37Volkswagen ID4$2,130$178
38Ford Explorer$2,132$178
39Toyota Highlander$2,138$178
40Toyota Venza$2,144$179
41Ford Escape$2,146$179
42Honda Odyssey$2,146$179
43Nissan Sentra$2,156$180
44Subaru Impreza$2,162$180
45Chevrolet Equinox$2,166$181
46Toyota RAV4$2,170$181
47Mazda MX-5 Miata$2,174$181
48Mazda MX-30$2,180$182
49Hyundai Tucson$2,184$182
50Chevrolet Traverse$2,194$183
51Toyota Prius$2,196$183
52Jaguar E-Pace$2,198$183
53Nissan Titan$2,198$183
54Chevrolet Tahoe$2,206$184
55Mitsubishi Outlander Sport$2,206$184
56Cadillac XT5$2,218$185
57Lexus NX 350h$2,218$185
58Mitsubishi Outlander PHEV$2,218$185
59Chevrolet Trax$2,220$185
60Ford Edge$2,222$185
61Nissan Frontier$2,224$185
62Mini Cooper Clubman$2,228$186
63Kia Sorento$2,230$186
64Mini Cooper$2,234$186
65Lincoln Corsair$2,244$187
66Ford Ranger$2,246$187
67Mercedes-Benz GLB 250$2,248$187
68Lexus UX 250h$2,254$188
69Mitsubishi Eclipse Cross$2,254$188
70Jeep Renegade$2,262$189
71Kia K5$2,266$189
72Lexus NX 450h$2,268$189
73GMC Acadia$2,270$189
74Honda Accord$2,270$189
75Buick Enclave$2,274$190

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Maryland Zip Codes. Updated June 27, 2025

Top 75 cheapest vehicles to insure in Maryland with the Subaru Crosstrek ranking first at $1,738 per year
Top 75 cheapest vehicles to insure in Maryland with the Subaru Crosstrek ranking first at $1,738 per year

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.

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.

Average cost to insure popular 2024 model year vehicles in Maryland.
Figure 3: Average cost to insure popular 2024 model year vehicles in Maryland. Rates updated on June 26, 2025.

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Maryland Zip Codes.

Maryland Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$1,738$145
Honda CR-V$2,004$167
Honda Civic$2,082$174
Subaru Forester$2,092$174
Nissan Rogue$2,114$176
Toyota Highlander$2,138$178
Chevrolet Equinox$2,166$181
Toyota RAV4$2,170$181
Chevrolet Traverse$2,194$183
Honda Accord$2,270$189
Honda Pilot$2,288$191
Jeep Grand Cherokee$2,352$196
Toyota Camry$2,526$211
Hyundai Elantra$2,554$213
Ford Mustang$2,586$216
Chevrolet Silverado$2,600$217
Ford Bronco$2,608$217
Ford F150$2,630$219
Jeep Wrangler$2,684$224
Ram Truck$2,718$227

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Maryland Zip Codes. Updated June 26, 2025

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.

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 $1,134 per year for a 30-year-old driver and even $574 per year for a 60-year-old driver.
  • Car insurance for teens can be expensive. Average teen driver car insurance quotes in Maryland cost $8,374 per year for a 16-year-old driver, $8,112 per year for a 17-year-old driver, $7,271 per year for a 18-year-old driver, and $6,621 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 $626 per year. Major misdemeanors such as driving under the influence or reckless driving could raise rates by an additional $2,184 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 $2,852 or more per year.