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 $1,638 per year, or around $137 per month, which is 2.8% less than the national average car insurance rate of $1,685 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 – $1,666 per year ($139 per month)
  2. Toyota RAV4 compact SUV – $1,518 per year ($127 per month)
  3. Honda CR-V compact SUV – $1,388 per year ($116 per month)
  4. Toyota Camry midsize car – $1,556 per year ($130 per month)
  5. Ram 1500 pickup – $1,792 per year ($149 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 December 30, 2022
Average Car Insurance Cost in Maryland
Average Car Insurance Cost in Maryland
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,758$230
$500$3,258$272
$250$3,784$315
30$1,000$1,448$121
$500$1,730$144
$250$2,020$168
40$1,000$1,382$115
$500$1,638$137
$250$1,906$159
50$1,000$1,262$105
$500$1,492$124
$250$1,732$144
60$1,000$1,238$103
$500$1,464$122
$250$1,700$142

Average rates in the chart above range from $1,238 per year for a 60-year-old driver with $1,000 deductibles to $3,784 per year for a 20-year-old driver with $250 deductibles. From a monthly standpoint, the same rates range from $103 to $315 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 $1,510 or more each year.
  • Even minor driving citations like speeding tickets could increase the annual cost of auto insurance in Maryland by $428 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 $674 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 $436 per year on your car insurance bill.

How does Maryland car insurance cost compare?

When compared to surrounding states, Maryland car insurance rates are 18.4% cheaper than Delaware, 3.3% cheaper than Pennsylvania, 4.2% more expensive than West Virginia, and 39.5% 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$1,062-$576
New Hampshire$1,182-$456
Vermont$1,280-$358
Maryland$1,638--
Pennsylvania$1,694$56
Massachusetts$1,922$284
Connecticut$1,966$328
Delaware$2,008$370
New York$2,042$404
New Jersey$2,136$498
Rhode Island$2,186$548

When compared to other states outside the Northeast, the average car insurance cost in Maryland is 0.6% cheaper than Oregon, 1.1% more expensive than Montana, 1.2% more expensive than Arizona, 23.2% cheaper than California, and 25.4% 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 $1,356 per year, the Subaru Legacy at $1,510 per year, the Honda Passport at $1,272 per year, and the Chevrolet Trailblazer at $1,240 per year.

Some of the cheapest luxury car insurance rates in Maryland can be found on the Acura Integra at $1,472 per year, the BMW 330i at $1,664 per year, and the Acura TLX at $1,690 per year.

For pickups and large SUVs, the cheapest insurance rates are on the Ford Maverick at $1,360 per year, the Nissan Titan at $1,622 per year, the Chevrolet Tahoe at $1,536, and the Chevrolet Suburban at an average cost of $1,624 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$1,240$103
2Subaru Crosstrek$1,250$104
3Nissan Kicks$1,256$105
4Honda Passport$1,272$106
5Nissan Rogue Sport$1,278$107
6Mazda CX-5$1,286$107
7Buick Encore$1,306$109
8Buick Envision$1,310$109
9Kia Seltos$1,328$111
10Subaru Ascent$1,332$111
11Hyundai Venue$1,338$112
12Subaru Impreza$1,356$113
13Ford Maverick$1,360$113
14Honda HR-V$1,362$114
15Chevrolet Colorado$1,364$114
16Acura RDX$1,366$114
17Hyundai Kona$1,376$115
18Subaru Forester$1,382$115
19Ford Edge$1,388$116
20Honda CR-V$1,388$116
21Mazda CX-30$1,392$116
22Ford Explorer$1,396$116
23Volkswagen Atlas$1,398$117
24Chevrolet Trax$1,408$117
25Nissan Murano$1,408$117
26Subaru Outback$1,410$118
27Nissan Frontier$1,414$118
28Volkswagen Tiguan$1,424$119
29Ford Bronco Sport$1,426$119
30Fiat 500X$1,452$121
31Ford Ranger$1,454$121
32GMC Terrain$1,456$121
33Kia Soul$1,458$122
34Mitsubishi Eclipse Cross$1,460$122
35Volkswagen Atlas Cross Sport$1,462$122
36Lexus RX 350$1,466$122
37Acura Integra$1,472$123
38Chevrolet Equinox$1,474$123
39Cadillac XT4$1,478$123
40Toyota Corolla Cross$1,480$123
41Volkswagen Taos$1,486$124
42GMC Canyon$1,488$124
43Toyota Venza$1,494$125
44Honda Odyssey$1,496$125
45Mazda CX-50$1,496$125
46Hyundai Tucson$1,498$125
47Toyota Tacoma$1,498$125
48Volkswagen Jetta$1,498$125
49Ford Escape$1,502$125
50Kia Sorento$1,504$125
51Volvo XC40$1,506$126
52Nissan Rogue$1,508$126
53Subaru Legacy$1,510$126
54Mazda MX-5 Miata$1,514$126
55Infiniti QX50$1,518$127
56Toyota RAV4$1,518$127
57Mazda MX-30$1,520$127
58Hyundai Palisade$1,522$127
59Kia Niro$1,522$127
60Nissan Sentra$1,522$127
61Hyundai Santa Cruz$1,524$127
62Mini Cooper$1,528$127
63Lexus UX 250h$1,532$128
64Chevrolet Tahoe$1,536$128
65Jeep Compass$1,536$128
66Toyota 4Runner$1,536$128
67Toyota Corolla$1,538$128
68Volkswagen Golf$1,542$129
69Toyota Prius$1,544$129
70Cadillac XT5$1,556$130
71Toyota Camry$1,556$130
72Mini Cooper Clubman$1,558$130
73GMC Acadia$1,562$130
74Chevrolet Traverse$1,564$130
75Mazda 3$1,572$131

    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 December 30, 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 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 December 30, 2022
    Maryland Car Insurance Rates for Popular Vehicles
    Maryland Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Subaru Crosstrek$1,250$104
    Subaru Forester$1,382$115
    Honda CR-V$1,388$116
    Chevrolet Equinox$1,474$123
    Nissan Rogue$1,508$126
    Toyota RAV4$1,518$127
    Toyota Camry$1,556$130
    Chevrolet Traverse$1,564$130
    Honda Pilot$1,576$131
    Honda Civic$1,606$134
    Toyota Highlander$1,636$136
    Honda Accord$1,656$138
    Ford F150$1,666$139
    Jeep Grand Cherokee$1,740$145
    Ford Mustang$1,776$148
    Hyundai Elantra$1,790$149
    Chevrolet Silverado$1,792$149
    Ram Truck$1,792$149
    Jeep Wrangler$1,816$151
    Ford Bronco$1,824$152

    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 $762 per year for a 30-year-old driver and even $498 per year for a 60-year-old driver.
    • Car insurance for teens can be expensive. Average teen driver car insurance quotes in Maryland cost $5,868 per year for a 16-year-old driver, $5,488 per year for a 17-year-old driver, $5,126 per year for a 18-year-old driver, and $4,640 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 $428 per year. Major misdemeanors such as driving under the influence or reckless driving could raise rates by an additional $1,510 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 $1,972 or more per year.