Maryland Car Insurance Cost for 2023

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 $1,676 per year, or around $140 per month, which is 3.1% less than the national average car insurance rate of $1,728 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 – $1,706 per year ($142 per month)
  2. Toyota RAV4 compact SUV – $1,552 per year ($129 per month)
  3. Honda CR-V compact SUV – $1,422 per year ($119 per month)
  4. Toyota Camry midsize car – $1,592 per year ($133 per month)
  5. Ram 1500 pickup – $1,830 per year ($153 per month)

The chart below shows average car insurance rates in Maryland for 2023 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 2023 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 August 12, 2023
Average Car Insurance Cost in Maryland
Average Car Insurance Cost in Maryland
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,824$235
$500$3,336$278
$250$3,876$323
30$1,000$1,480$123
$500$1,768$147
$250$2,066$172
40$1,000$1,414$118
$500$1,676$140
$250$1,948$162
50$1,000$1,290$108
$500$1,526$127
$250$1,772$148
60$1,000$1,266$106
$500$1,498$125
$250$1,740$145

Average rates in the chart above range from $1,266 per year for a 60-year-old driver with $1,000 deductibles to $3,876 per year for a 20-year-old driver with $250 deductibles. From a monthly standpoint, the same rates range from $106 to $323 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 $1,544 or more each year.
  • Even minor driving citations like speeding tickets could increase the annual cost of auto insurance in Maryland by $442 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 $690 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 $442 per year on your car insurance bill.

How does Maryland car insurance cost compare?

When compared to surrounding states, Maryland car insurance rates are 19.8% cheaper than Delaware, 3.3% cheaper than Pennsylvania, 3.9% more expensive than West Virginia, and 32.3% 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 27th 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
Maine$1,100-$576
New Hampshire$1,218-$458
Vermont$1,322-$354
Maryland$1,676--
Pennsylvania$1,732$56
Massachusetts$1,960$284
Connecticut$2,004$328
Delaware$2,044$368
New York$2,084$408
New Jersey$2,178$502
Rhode Island$2,224$548

When compared to other states outside the Northeast, the average car insurance cost in Maryland is 0.5% cheaper than Oregon, 1.2% more expensive than Montana, 1.2% more expensive than Arizona, 25.8% cheaper than California, and 28.2% 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 $1,388 per year, the Subaru Legacy at $1,544 per year, the Honda Passport at $1,302 per year, and the Chevrolet Trailblazer at $1,268 per year.

Some of the cheapest luxury car insurance rates in Maryland can be found on the Acura Integra at $1,506 per year, the BMW 330i at $1,702 per year, and the Acura TLX at $1,730 per year.

For pickups and large SUVs, the cheapest insurance rates are on the Ford Maverick at $1,392 per year, the Nissan Titan at $1,660 per year, the Chevrolet Tahoe at $1,570, and the Chevrolet Suburban at an average cost of $1,662 per year.

The table below ranks the top 75 cheapest vehicles to insure in Maryland from the 2023 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
1Chevrolet Trailblazer$1,268$106
2Subaru Crosstrek$1,278$107
3Nissan Kicks$1,286$107
4Honda Passport$1,302$109
5Nissan Rogue Sport$1,308$109
6Mazda CX-5$1,316$110
7Buick Encore$1,338$112
8Buick Envision$1,340$112
9Kia Seltos$1,358$113
10Subaru Ascent$1,362$114
11Hyundai Venue$1,366$114
12Subaru Impreza$1,388$116
13Ford Maverick$1,392$116
14Honda HR-V$1,394$116
15Chevrolet Colorado$1,396$116
16Acura RDX$1,398$117
17Hyundai Kona$1,406$117
18Subaru Forester$1,412$118
19Ford Edge$1,420$118
20Honda CR-V$1,422$119
21Mazda CX-30$1,424$119
22Ford Explorer$1,428$119
23Volkswagen Atlas$1,430$119
24Nissan Murano$1,440$120
25Chevrolet Trax$1,442$120
26Subaru Outback$1,442$120
27Nissan Frontier$1,446$121
28Volkswagen Tiguan$1,456$121
29Ford Bronco Sport$1,460$122
30Fiat 500X$1,486$124
31Ford Ranger$1,488$124
32GMC Terrain$1,490$124
33Kia Soul$1,494$125
34Mitsubishi Eclipse Cross$1,496$125
35Volkswagen Atlas Cross Sport$1,496$125
36Lexus RX 350$1,500$125
37Acura Integra$1,506$126
38Chevrolet Equinox$1,510$126
39Toyota Corolla Cross$1,512$126
40Cadillac XT4$1,514$126
41Volkswagen Taos$1,520$127
42GMC Canyon$1,524$127
43Toyota Venza$1,528$127
44Mazda CX-50$1,530$128
45Honda Odyssey$1,532$128
46Volkswagen Jetta$1,532$128
47Hyundai Tucson$1,534$128
48Toyota Tacoma$1,534$128
49Ford Escape$1,536$128
50Kia Sorento$1,538$128
51Nissan Rogue$1,542$129
52Volvo XC40$1,542$129
53Subaru Legacy$1,544$129
54Infiniti QX50$1,550$129
55Mazda MX-5 Miata$1,550$129
56Toyota RAV4$1,552$129
57Hyundai Palisade$1,556$130
58Kia Niro$1,556$130
59Mazda MX-30$1,556$130
60Nissan Sentra$1,556$130
61Hyundai Santa Cruz$1,558$130
62Mini Cooper$1,564$130
63Lexus UX 250h$1,568$131
64Chevrolet Tahoe$1,570$131
65Toyota 4Runner$1,570$131
66Toyota Corolla$1,572$131
67Jeep Compass$1,574$131
68Toyota Prius$1,580$132
69Volkswagen Golf$1,580$132
70Mini Cooper Clubman$1,592$133
71Toyota Camry$1,592$133
72Cadillac XT5$1,594$133
73GMC Acadia$1,598$133
74Chevrolet Traverse$1,602$134
75Mazda 3$1,610$134

    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 August 12, 2023
    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 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Maryland car insurance cost is based on 2023 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 August 12, 2023
    Maryland Car Insurance Rates for Popular Vehicles
    Maryland Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Subaru Crosstrek$1,278$107
    Subaru Forester$1,412$118
    Honda CR-V$1,422$119
    Chevrolet Equinox$1,510$126
    Nissan Rogue$1,542$129
    Toyota RAV4$1,552$129
    Toyota Camry$1,592$133
    Chevrolet Traverse$1,602$134
    Honda Pilot$1,614$135
    Honda Civic$1,640$137
    Toyota Highlander$1,674$140
    Honda Accord$1,696$141
    Ford F150$1,706$142
    Jeep Grand Cherokee$1,780$148
    Ford Mustang$1,818$152
    Ram Truck$1,830$153
    Hyundai Elantra$1,832$153
    Chevrolet Silverado$1,836$153
    Jeep Wrangler$1,856$155
    Ford Bronco$1,864$155

    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 $778 per year for a 30-year-old driver and even $512 per year for a 60-year-old driver.
    • Car insurance for teens can be expensive. Average teen driver car insurance quotes in Maryland cost $6,006 per year for a 16-year-old driver, $5,616 per year for a 17-year-old driver, $5,246 per year for a 18-year-old driver, and $4,748 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 $442 per year. Major misdemeanors such as driving under the influence or reckless driving could raise rates by an additional $1,544 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 $2,016 or more per year.