Maryland Car Insurance Cost for 2022

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 $1,374 per year, or around $115 per month, which is 11.4% more than the national average car insurance rate of $1,551 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 – $1,334 per year ($111 per month)
  2. Toyota RAV4 compact SUV – $1,298 per year ($108 per month)
  3. Honda CR-V compact SUV – $1,204 per year ($100 per month)
  4. Toyota Camry midsize car – $1,354 per year ($113 per month)
  5. Ram 1500 pickup – $1,570 per year ($131 per month)

The chart below shows average car insurance rates in Maryland for 2022 model year vehicles and different driver ages and policy deductible amounts.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Maryland car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Maryland zip codes.Data last updated on May 19, 2022
Average Car Insurance Cost in Maryland
Average Car Insurance Cost in Maryland
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,316$193
$500$2,728$227
$250$3,162$264
30$1,000$1,216$101
$500$1,446$121
$250$1,688$141
40$1,000$1,164$97
$500$1,374$115
$250$1,596$133
50$1,000$1,062$89
$500$1,252$104
$250$1,452$121
60$1,000$1,042$87
$500$1,230$103
$250$1,424$119

Average rates in the chart above range from $1,042 per year for a 60-year-old driver with $1,000 deductibles to $3,162 per year for a 20-year-old driver with $250 deductibles. From a monthly standpoint, the same rates range from $87 to $264 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 $1,260 or more each year.
  • Even minor driving citations like speeding tickets could increase the annual cost of auto insurance in Maryland by $360 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 $566 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 $178 per year on your car insurance bill.

How does Maryland car insurance cost compare?

The average cost of car insurance in Maryland is higher than three of the four states that share a border. Maryland car insurance rates are 11.4% cheaper than Delaware, but they are 7.2% more than Pennsylvania, 0.3% more than West Virginia, and 39.9% more than Virginia.

The chart below shows how average auto insurance rates in Maryland compare to other Northeast U.S. states. Maryland ranks sixth for cheapest car insurance rates in the Northeast region, and ranks 26th when compared to all 50 states.

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Maryland Car Insurance Cost Compared to Northeast Region
Average Car Insurance Cost in Maryland Compared to Northeast Region
Northeast Region States Average Insurance Cost Annual Difference
New Hampshire$920-$454
Vermont$1,012-$362
Maine$1,054-$320
Massachusetts$1,246-$128
Pennsylvania$1,282-$92
Maryland$1,374--
New Jersey$1,438$64
Connecticut$1,476$102
Delaware$1,550$176
New York$1,620$246
Rhode Island$1,796$422

When compared to other states outside the Northeast, the average car insurance cost in Maryland is 7.5% more expensive than Oregon, 4.3% cheaper than Texas, 1.3% more expensive than Arizona, 21.3% cheaper than California, and 38.3% cheaper than Florida.

What vehicles have cheap car insurance in Maryland?

Some of the cheapest vehicles to insure in Maryland include the Subaru Impreza at $1,194 per year, the Subaru Legacy at $1,332 per year, the Honda Passport at $1,108 per year, and the Mazda CX-5 at $1,048 per year.

Some of the cheapest luxury car insurance rates in Maryland can be found on the Acura ILX at $1,266 per year, the Mercedes-Benz A220 at $1,352 per year, and the BMW 330i at $1,452 per year.

For pickups and large SUVs, the cheapest insurance rates are on the Chevrolet Colorado at $1,134 per year, the Ford F150 at $1,334 per year, the Chevrolet Tahoe at $1,380, and the Chevrolet Suburban at an average cost of $1,426 per year.

The table below ranks the top 75 cheapest vehicles to insure in Maryland from the 2022 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 Cost Monthly Cost
1Mazda CX-5$1,048$87
2Nissan Kicks$1,072$89
3Chevrolet Trailblazer$1,078$90
4Subaru Crosstrek$1,106$92
5Honda Passport$1,108$92
6Chevrolet Colorado$1,134$95
7Toyota C-HR$1,136$95
8Buick Encore$1,138$95
9Nissan Rogue Sport$1,146$96
10Hyundai Venue$1,168$97
11Buick Envision$1,172$98
12Kia Seltos$1,172$98
13Ford Maverick$1,176$98
14Acura RDX$1,180$98
15Toyota Corolla Cross$1,180$98
16Subaru Ascent$1,182$99
17Hyundai Kona$1,190$99
18Mazda MX-5 Miata$1,192$99
19Subaru Forester$1,192$99
20Volkswagen Tiguan$1,192$99
21Subaru Impreza$1,194$100
22Chevrolet Spark$1,200$100
23Honda CR-V$1,204$100
24Cadillac XT4$1,210$101
25Mazda CX-30$1,216$101
26Ford Ranger$1,222$102
27Honda HR-V$1,236$103
28Ford Edge$1,242$104
29Ford Ecosport$1,248$104
30Chevrolet Trax$1,260$105
31Subaru Outback$1,262$105
32Acura ILX$1,266$106
33GMC Terrain$1,266$106
34Mitsubishi Eclipse Cross$1,270$106
35Nissan Murano$1,276$106
36Toyota Tacoma$1,278$107
37Hyundai Tucson$1,280$107
38Honda Odyssey$1,282$107
39Toyota Venza$1,284$107
40Chevrolet Bolt$1,286$107
41Chevrolet Equinox$1,288$107
42Volkswagen Taos$1,290$108
43Ford Explorer$1,294$108
44Fiat 500X$1,296$108
45Toyota RAV4$1,298$108
46Kia Soul$1,300$108
47Kia Sorento$1,302$109
48Nissan Frontier$1,310$109
49GMC Canyon$1,320$110
50Hyundai Palisade$1,322$110
51Hyundai Santa Cruz$1,322$110
52Volkswagen Golf$1,322$110
53Mazda MX-30$1,326$111
54Volvo XC40$1,326$111
55Volkswagen Atlas$1,330$111
56Subaru Legacy$1,332$111
57Ford F150$1,334$111
58Jeep Compass$1,334$111
59Volkswagen Jetta$1,336$111
60Honda Insight$1,338$112
61Kia Niro$1,338$112
62Honda Ridgeline$1,340$112
63Nissan Sentra$1,340$112
64Toyota 4Runner$1,340$112
65Nissan Rogue$1,348$112
66Cadillac XT5$1,352$113
67Kia K5$1,352$113
68Mercedes-Benz A220$1,352$113
69Ford Escape$1,354$113
70Jeep Gladiator$1,354$113
71Toyota Camry$1,354$113
72Toyota Corolla$1,354$113
73Kia Rio$1,358$113
74Volkswagen Passat$1,358$113
75Honda Civic$1,362$114

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Maryland.Data last updated on March 24, 2022
    Top 75 Cheapest Car Insurance Rates in Maryland

    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 Honda CR-V, Nissan Rogue, and Subaru Forester do because they are both popular AND cheap to insure, but others like the Toyota Camry, Jeep Wrangler, and Ford Mustang 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 eight cheapest models (through the Ford F150) made the list of the 75 cheapest vehicles to insure, but the remaining 12 models have high enough rates that they did not make the cut.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Maryland car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Maryland Zip Codes.Data last updated on March 24, 2022
    Maryland Car Insurance Rates for Popular Vehicles
    Maryland Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Subaru Crosstrek$1,106$92
    Subaru Forester$1,192$99
    Honda CR-V$1,204$100
    Chevrolet Equinox$1,288$107
    Toyota RAV4$1,298$108
    Ford F150$1,334$111
    Nissan Rogue$1,348$112
    Toyota Camry$1,354$113
    Honda Civic$1,362$114
    Ford Bronco$1,382$115
    Toyota Highlander$1,384$115
    Honda Pilot$1,394$116
    Chevrolet Traverse$1,418$118
    Honda Accord$1,434$120
    Ford Mustang$1,452$121
    Chevrolet Silverado$1,480$123
    Jeep Grand Cherokee$1,518$127
    Hyundai Elantra$1,552$129
    Ram Truck$1,570$131
    Jeep Wrangler$1,576$131

    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 $638 per year for a 30-year-old driver and even $420 per year for a 60-year-old driver.
    • Car insurance for teens can be expensive. Average teen driver car insurance quotes in Maryland cost $4,924 per year for a 16-year-old driver, $4,602 per year for a 17-year-old driver, $4,296 per year for a 18-year-old driver, and $3,886 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 $360 per year. Major misdemeanors such as driving under the influence or reckless driving could raise rates by an additional $1,260 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 $1,648 or more per year.