Best Car Insurance In Maryland
State Farm is the preferred insurer in Maryland for comprehensive car insurance.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re shopping for basic car insurance, full protection for a new vehicle, or specific options for families and seniors, we’ve identified the best car insurance options in Maryland. State Farm is our top pick for its affordability and broad coverage.
GEICO is ideal for minimum coverage at low costs, and Travelers offers full coverage with added benefits like accident forgiveness. With 15 years of expertise, including five years in Maryland, this guide will help you secure a dependable policy.
Best Car Insurance Companies In Maryland, 2025
Compare The Best Car Insurance In Maryland
| Overall Rating | Best For | A.M Best Rating | J.D Power Rating | Local Sales Agent Presence | Get A Quote | |
|---|---|---|---|---|---|---|
| State Farm |
|
Overall |
A++ |
826 |
Yes |
Instant Quote |
| Amica |
|
Young Adults |
A+ |
Not Rated |
Yes |
Instant Quote |
| Wawanesa |
|
Budget Option |
A+ |
843 |
Yes |
Instant Quote |
| Chubb |
|
New Cars |
A++ |
Not Rated |
Yes |
Instant Quote |
| Allstate |
|
Seniors |
A++ |
816 |
Yes |
Instant Quote |
| AAA |
|
Driving Violations |
A- |
832 |
Yes |
Instant Quote |
| GEICO |
|
Minimum Coverage |
A++ |
830 |
No |
Instant Quote |
| Travelers |
|
Full Coverage |
A++ |
Not Rated |
Yes |
Instant Quote |
| Farmers |
|
Families With Teens |
A |
813 |
Yes |
Instant Quote |
| State Farm |
|
Customer Service |
A++ |
826 |
Yes |
Instant Quote |
Best Car Insurance Companies In Maryland 2025
Best Overall
Key Statistics
Why We Like Them
⇅Maryland drivers consistently choose State Farm for their car insurance needs due to the company’s affordable rates and robust coverage. Discounts for safe driving, multiple cars, and safety equipment make their policies a great value. Customers appreciate the support of local agents and the company’s dedication to service, reflected in high satisfaction scores.
Benefits & Drawbacks
⇅- Competitive charges
- Diverse coverage plans
- Exceptional care for clients ✓
- It's not the most competitively priced.
- Constrained digital applications
- Prices increase after insurance claims. ✘
Best For Minimum Coverage
Key Statistics
Why We Like Them
⇅GEICO ranks as the best option for minimum coverage in Maryland, offering drivers low rates and straightforward service. Their affordable policies meet legal requirements without straining budgets. The company’s intuitive mobile app and online platform ensure that managing insurance is quick and hassle-free.
Benefits & Drawbacks
⇅- Competitive insurance costs
- Reliable digital resources
- Immediate claim processing ✓
- Essential protection choices
- Automated customer service
- There are no agents situated locally. ✘
Best For Full Coverage
Key Statistics
Why We Like Them
⇅Maryland residents seeking full coverage car insurance often turn to Travelers for its robust policies and extra features. Beyond liability, their plans cover collisions, theft, and natural disasters. With perks like accident forgiveness and gap coverage, Travelers provides value in a state where cars and repairs are expensive. Their financial strength and strong customer support make them a trusted insurer.
Benefits & Drawbacks
⇅- Versatile protection options
- Get accident forgiveness here.
- Replacement with a latest model vehicle ✓
- Advanced premium pricing
- Varied policy avenues
- Drawn-out claim resolution ✘
Best For New Cars
Key Statistics
Why We Like Them
⇅Chubb is the best car insurance provider for Maryland’s new car owners, thanks to its comprehensive protection for high-value vehicles. The agreed value feature allows for full reimbursement of the insured amount without depreciation in case of a total loss, providing peace of mind for new car owners. Additional benefits such as rental car reimbursement, key replacement, and repair shop access add convenience and value. Chubb’s reliable service and hassle-free claims process make it an exceptional choice for protecting new cars.
Benefits & Drawbacks
⇅- Policy covering an agreed value
- Exceptional support for claims
- Top-notch policy attributes ✓
- Upmarket pricing
- It's possible that the coverage is too plentiful.
- Reduced discount options ✘
Best For Seniors
Key Statistics
Why We Like Them
⇅Allstate is the best choice for seniors in Maryland looking for car insurance that prioritizes safety and affordability. Their policies include accident forgiveness, senior-specific discounts, and rewards for safe driving. With strong customer service and accessible online options, they make managing coverage easy for older drivers.
Benefits & Drawbacks
⇅- Tailored price reductions for retirees
- We extend accident pardon options
- Integrated mobile application ✓
- Upward premium costs
- Mixed customer support quality
- Policy alternatives often present complex challenges. ✘
Best For Driving Violations
Key Statistics
Why We Like Them
⇅AAA’s car insurance policies are tailored to Maryland drivers with past violations, offering features like accident forgiveness and discounts for safe driving courses. These programs help drivers regain affordable coverage while fostering safer habits on the road.
Benefits & Drawbacks
⇅- Remission for inaugural collision
- Deals for Defensive Driving Practices
- Specialty insurance plans catering to high-risk drivers. ✓
- Heightened rates for misconduct
- Restricted range of insurance selections
- You must join to access. ✘
Best For Families With Teens
Key Statistics
Why We Like Them
⇅Families with teens in Maryland can count on Farmers Insurance for affordable and customizable policies. Discounts for good grades and incentives for safe driving make Farmers a smart choice for insuring young drivers.
Benefits & Drawbacks
⇅- Special rates for students with excellent grades
- Tailored protection plans
- Study materials for teens ✓
- Potential for higher insurance costs
- Variable service quality for customers
- Detailed policy protocols ✘
Best For Customer Service
Key Statistics
Why We Like Them
⇅State Farm is known for its outstanding service in Maryland, offering tailored advice and support through its network of agents. Their focus on a stress-free claims process underscores their dedication to customer satisfaction.
Benefits & Drawbacks
⇅- Low-cost options
- Many coverage options available
- High-quality service for clients ✓
- Falls short of being the cheapest available.
- Basic digital infrastructure
- Insurance rates rise post-claim submission. ✘
Best For Young Adults
Key Statistics
Why We Like Them
⇅In Maryland, Amica stands out as a great option for young adults, providing affordable car insurance with discounts for good grades and safe driving. Their exceptional customer service ensures young drivers feel supported.
Benefits & Drawbacks
⇅- Affordable options specifically for young adults.
- Exceptional client service
- Speedy processing of claims ✓
- Sparse physical spots
- Restricted high-risk policy selections.
- Discounts are not adjusted based on usage patterns. ✘
Best For Budget Option
Key Statistics
Why We Like Them
⇅Wawanesa excels in providing low-cost car insurance for Maryland drivers. Its focus on affordability, combined with a straightforward claims process, makes it a practical choice for those watching their budget.
Benefits & Drawbacks
⇅- Economical rates
- Consistent customer happiness
- User-friendly claims system ✓
- Limited insurance plans
- There's a scarcity of discounts.
- Boundaries dictated by regional presence ✘
Minimum Car Insurance Requirements In Maryland
Maryland mandates a minimum car insurance requirement of $30,000 for bodily injury per person, $60,000 per accident, and $15,000 for property damage, ensuring financial accountability for drivers.
Average Cost Of Car Insurance In Maryland
Based on Quadrant Information Services’ estimates, the average cost of full car insurance coverage in Maryland is $220 monthly or $2,640 annually. Nationally, the average monthly cost is $205, or $2,460 annually.
| COMPANY | FULL COVERAGE |
| Travelers | $1,525 |
| Kemper | $1,605 |
| Erie | $1,687 |
| GEICO | $1,264 |
| Nationwide | $1,365 |
Average Car Insurance Rates In Maryland – By City
| City | Average Premium |
| Frederick | $1,440 |
| Gaithersburg | $1,680 |
| Columbia | $3,840 |
| Maugansville | $1,430 |
| Baltimore | $2,148 |
| Langley Park | $2,294 |
| Glen Burnie | $2,400 |
| Suitland | $2,282 |
| Gwynn Oak | $2,449 |
| Waldorf | $2,280 |
Average Car Insurance Rates In Maryland – By Age
| Age | Average full coverage rate | Average minimum coverage rate |
|
16
|
$6,162
|
$2,377
|
|
18
|
$7,604
|
$2,919
|
|
20
|
$6,062
|
$2,128
|
|
25
|
$3,450
|
$1,222
|
|
30
|
$2,886
|
$1,036
|
|
40
|
$2,672
|
$982
|
|
50
|
$2,466
|
$926
|
|
60
|
$2,428
|
$928
|
|
70
|
$2,572
|
$1,000
|
How To Find The Best Car Insurance
Choosing car insurance that works for you requires balancing legal requirements with personal needs. Start with your state’s liability minimums, but consider whether additional protection might be wise. If your car is leased or financed, check with your lender about their coverage requirements, which often include collision and comprehensive insurance.
Other factors to weigh include how much you drive, your car’s worth, and how much risk you’re willing to take. Extra options, such as uninsured motorist coverage, might be useful in certain regions. Shopping around for insurance quotes ensures you’ll find affordable coverage that fits your lifestyle.
How To Buy Car Insurance In Maryland
Apply these five steps to select the right car insurance in Maryland tailored to your situation
Assess Your Coverage Needs
Determine the right amount of coverage by looking at your vehicle’s value, your driving habits, and your financial health. Decide if you need only minimum liability or additional collision and comprehensive insurance.
Research Potential Insurers
Check out several auto insurance companies in Maryland to review their customer service, claims processing, and financial stability. Use online reviews, ratings from independent organizations such as J.D. Power, and input from current and past clients to assess each insurer’s reliability.
Gather Necessary Information
Before seeking quotes, gather necessary information like your driver’s license number, vehicle registration, driving history, and any relevant documents that could impact your rates. This preparation will expedite the quoting process and ensure accurate pricing.
Compare Quotes
Compare quotes from various insurers on Insuranceopedia to find the most suitable coverage at the best price.
Purchase the Policy
After selecting the insurer with the best coverage at the best price, proceed to purchase the policy. Nowadays, most insurers offer online or phone options for quick purchase, ensuring immediate coverage. After buying, don’t forget to print your insurance cards and any essential paperwork.
Our Methodology
Ensuring accurate and reliable insurance company ratings is our commitment, supported by a thorough methodology. We evaluate multiple insurers, drawing insights from diverse reputable review sites. Critical metrics from industry leaders like A.M. Best and J.D. Power further inform our assessments. With 15 years of experience as an insurance agent, including substantial time in Maryland, I contribute firsthand expertise to enrich our analysis. This meticulous approach, integrating data from credible review sources, ensures our ratings are trustworthy, empowering your insurance decision-making process.
Quotes Assessed
Hours Of Research
Years Of Industry Experience
Brands Reviewed
FAQs
Who is the most trusted car insurance company?
According to our investigation, State Farm and Wawanesa top the list of trusted car insurance companies in Maryland.
How much car insurance do I need?
The amount of car insurance you need is influenced by factors such as Maryland’s minimum requirements, the value of your vehicle, and your financial situation. Assess liability, collision, and comprehensive coverage to ensure adequate protection.
Why is car insurance so expensive?
Auto insurance can be costly because of factors such as the extent of coverage, your driving record, the type of vehicle, your geographical location, and external elements like inflation and rising repair costs.
About Bob Phillips
