Maryland Car Insurance Cost for 2021

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.

Start QuoteCompare Maryland car insurance rates and save on your next policy.

How much does car insurance cost in Maryland?

Average car insurance cost in Maryland is $1,400 per year, or around $117 per month, which is 8.1% more than the national average car insurance rate of $1,523 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 – $1,336 per year ($111 per month)
  2. Toyota RAV4 compact SUV – $1,350 per year ($113 per month)
  3. Honda CR-V compact SUV – $1,056 per year ($88 per month)
  4. Toyota Camry midsize car – $1,400 per year ($117 per month)
  5. Ram 1500 pickup – $1,524 per year ($127 per month)

The chart below shows average car insurance rates in Maryland for 2021 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 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Maryland zip codes.
Average Car Insurance Cost in Maryland
Average Car Insurance Cost in Maryland
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,360$197
$500$2,782$232
$250$3,228$269
30$1,000$1,240$103
$500$1,476$123
$250$1,722$144
40$1,000$1,182$99
$500$1,400$117
$250$1,626$136
50$1,000$1,080$90
$500$1,272$106
$250$1,478$123
60$1,000$1,060$88
$500$1,250$104
$250$1,452$121

Average rates in the chart above range from $1,060 per year for a 60-year-old driver with $1,000 deductibles to $3,228 per year for a 20-year-old driver with $250 deductibles. From a monthly standpoint, the same rates range from $88 to $269 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 $1,286 or more each year.
  • Even minor driving citations like speeding tickets could increase the annual cost of auto insurance in Maryland by $368 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 $576 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 $396 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 14.8% cheaper than Delaware, but they are 4.6% more than Pennsylvania, 4% more than West Virginia, and 43.7% 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 33rd when compared to all 50 states.

Get Rates in Your AreaWhy is this important?

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
Maine$960-$440
Vermont$1,052-$348
New Hampshire$1,100-$300
Massachusetts$1,272-$128
Pennsylvania$1,338-$62
Maryland$1,400--
New Jersey$1,472$72
Delaware$1,644$244
Connecticut$1,658$258
New York$1,682$282
Rhode Island$1,804$404

When compared to other states outside the Northeast, the average car insurance cost in Maryland is 4.3% more expensive than Oregon, 4.9% cheaper than Texas, 2.2% more expensive than Arizona, 16.5% cheaper than California, and 31.6% cheaper than Florida.

What vehicles have cheap car insurance in Maryland?

Some of the cheapest vehicles to insure in Maryland include the Volkswagen Golf at $1,118 per year, the Mazda 6 at $1,300 per year, the Ford Edge at $1,114 per year, and the Subaru Forester at $1,042 per year.

The cheapest luxury car insurance rates in Maryland can be found on the Mercedes-Benz A220 at $1,372 per year, the Acura ILX at $1,308 per year, and the Volvo S90 at $1,528 per year.

For pickups and large SUVs, the cheapest insurance rates are on the Toyota Tacoma at $1,184 per year, the Ford F150 at $1,336 per year, the Toyota Sequoia at $1,384, and the Chevrolet Tahoe at an average cost of $1,408 per year.

The table below ranks the top 75 cheapest vehicles to insure in Maryland from the 2021 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
1Subaru Forester$1,042$87
2Honda CR-V$1,056$88
3Ram Promaster City$1,096$91
4Mazda CX-3$1,102$92
5Toyota C-HR$1,110$93
6Kia Sportage$1,112$93
7Ford Edge$1,114$93
8Volkswagen Golf$1,118$93
9Mazda CX-5$1,130$94
10Subaru Crosstrek$1,142$95
11Chevrolet Spark$1,154$96
12Volvo XC40$1,156$96
13Hyundai Venue$1,166$97
14Volkswagen Atlas$1,172$98
15Hyundai Kona$1,178$98
16Kia Soul$1,180$98
17Subaru Impreza$1,180$98
18Kia Telluride$1,184$99
19Toyota Tacoma$1,184$99
20Chevrolet Blazer$1,188$99
21Jeep Compass$1,188$99
22Subaru Outback$1,188$99
23Kia Rio5$1,190$99
24Kia Sedona$1,190$99
25Mazda CX-30$1,190$99
26Chevrolet Colorado$1,194$100
27Honda Passport$1,194$100
28Nissan Kicks$1,194$100
29Ford Escape$1,196$100
30Mitsubishi Eclipse Cross$1,196$100
31Subaru Ascent$1,196$100
32Hyundai Tucson$1,198$100
33Nissan Frontier$1,206$101
34Volkswagen Tiguan$1,208$101
35Acura RDX$1,210$101
36Honda Pilot$1,212$101
37Toyota Corolla$1,214$101
38Ford Ecosport$1,216$101
39Buick Envision$1,224$102
40Kia Seltos$1,228$102
41Nissan Rogue Sport$1,236$103
42Chevrolet Trax$1,244$104
43Chevrolet Trailblazer$1,246$104
44Cadillac XT4$1,248$104
45Buick Encore$1,254$105
46Chevrolet Express$1,256$105
47Nissan Rogue$1,260$105
48Jeep Renegade$1,262$105
49Chevrolet Equinox$1,266$106
50Nissan Murano$1,266$106
51Nissan NV$1,266$106
52Ford Transit Connect$1,278$107
53Chrysler Pacifica$1,280$107
54Fiat 500X$1,284$107
55Mazda MX-5 Miata$1,286$107
56GMC Savana$1,288$107
57Hyundai Palisade$1,296$108
58Ford Ranger$1,300$108
59Mazda 6$1,300$108
60GMC Terrain$1,302$109
61Honda Insight$1,306$109
62Jeep Gladiator$1,306$109
63Acura ILX$1,308$109
64Subaru Legacy$1,314$110
65Honda Civic$1,316$110
66Honda HR-V$1,320$110
67Volvo V60$1,322$110
68Acura MDX$1,326$111
69Cadillac XT5$1,326$111
70Kia Rio$1,332$111
71Ford F150$1,336$111
72Toyota 4Runner$1,336$111
73Mazda 3$1,338$112
74Lexus NX 300$1,340$112
75Ram Promaster$1,340$112

    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.
    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 2021 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.
    Maryland Car Insurance Rates for Popular Vehicles
    Maryland Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Subaru Forester$1,042$87
    Honda CR-V$1,056$88
    Subaru Crosstrek$1,142$95
    Honda Pilot$1,212$101
    Nissan Rogue$1,260$105
    Chevrolet Equinox$1,266$106
    Honda Civic$1,316$110
    Ford F150$1,336$111
    Toyota RAV4$1,350$113
    Honda Accord$1,352$113
    Toyota Highlander$1,398$117
    Toyota Camry$1,400$117
    Chevrolet Traverse$1,438$120
    Jeep Wrangler$1,446$121
    Ford Bronco$1,452$121
    Chevrolet Silverado$1,460$122
    Ram Truck$1,524$127
    Jeep Grand Cherokee$1,532$128
    Ford Mustang$1,566$131
    Hyundai Elantra$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 $650 per year for a 30-year-old driver and even $426 per year for a 60-year-old driver.
    • Car insurance for teens can be expensive. Average teen driver car insurance quotes in Maryland cost $5,020 per year for a 16-year-old driver, $4,690 per year for a 17-year-old driver, $4,382 per year for a 18-year-old driver, and $3,962 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 $368 per year. Major misdemeanors such as driving under the influence or reckless driving could raise rates by an additional $1,286 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 $1,682 or more per year.