- Maryland car insurance rates average $1,400 per year for full coverage, or about $117 on a monthly basis.
- Maryland ranks #6 out of 11 Northeastern states for average car insurance cost and ranks #33 out of all 50 U.S. states.
- The cheapest insurance rates in Maryland tends to be found on compact SUVs like the Mazda CX-3, Honda CR-V, Subaru Forester, and the Kia Sportage.
- 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 $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:
- Ford F-150 pickup – $1,336 per year ($111 per month)
- Toyota RAV4 compact SUV – $1,350 per year ($113 per month)
- Honda CR-V compact SUV – $1,056 per year ($88 per month)
- Toyota Camry midsize car – $1,400 per year ($117 per month)
- 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.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
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.
|Northeast Region States||Average Insurance Cost||Annual Difference|
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.
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.
- Compact car – Volkswagen Golf insurance at $1,118 per year or $93 per month
- Compact SUV – Subaru Forester insurance at $1,042 per year or $87 per month
- Midsize car – Mazda 6 insurance at $1,300 per year or $108 per month
- Midsize SUV – Ford Edge insurance at $1,114 per year or $93 per month
- Full-size car – Kia Cadenza insurance at $1,424 per year or $119 per month
- Full-size SUV – Toyota Sequoia insurance at $1,384 per year or $115 per month
- Midsize pickup – Toyota Tacoma insurance at $1,184 per year or $99 per month
- Full-size pickup – Ford F150 insurance at $1,336 per year or $111 per month
- Heavy duty pickup – Ford F350 Super Duty insurance at $1,508 per year or $126 per month
- Minivan – Kia Sedona insurance at $1,190 per year or $99 per month
- Sports car – Mazda Miata insurance at $1,286 per year or $107 per month
- Compact luxury car – Mercedes-Benz A220 insurance at $1,372 per year or $114 per month
- Compact luxury SUV – Volvo XC40 insurance at $1,156 per year or $96 per month
- Midsize luxury car – Acura ILX insurance at $1,308 per year or $109 per month
- Midsize luxury SUV – Volvo V60 insurance at $1,322 per year or $110 per month
- Full-size luxury car – Volvo S90 insurance at $1,528 per year or $127 per month
- Full-size luxury SUV – Volvo XC90 insurance at $1,344 per year or $112 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 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.
|Make/Model||Annual Rate||Monthly Rate|
|Jeep Grand Cherokee||$1,532||$128|
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 - $1,954 per year or $163 per month
- Frederick Car Insurance - $1,148 per year or $96 per month
- Rockville Car Insurance - $1,378 per year or $115 per month
- Gaithersburg Car Insurance - $1,370 per year or $114 per month
- Bowie Car Insurance - $1,496 per year or $125 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 $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.