How Much Is Car Insurance In Maryland? 2025 Rates

Car insurance in Maryland tends to be on the pricier side. The average yearly cost for full coverage is $2,760, which is higher than the national average of $2,629. For minimum coverage, the average annual cost is $958, also above the national average of $742.

In this article, we’ll take a look at the cost of car insurance in Maryland and the key factors that influence your rates. With over 12 years of experience as a licensed insurance agent, I’m here to help you make a well-informed choice.

Cost Of Car Insurance In Maryland – By Age

Insurance companies set car insurance rates based on several factors, such as your driving history, the make and model of your car, and your location. Each insurance company has its own way of evaluating these factors, so rates can vary between providers.

Other factors, like your age, credit score, and how much you drive, can also affect your premium. It’s important to shop around because different companies weigh these factors differently, which can lead to significant differences in price.

Below is a table showing the average auto insurance rates from six major providers in Maryland:

Average Maryland Auto Insurance Rates – By Insurance Company

Auto insurance companies set car insurance rates based on several factors, such as your driving history, the make and model of your car, and your location. Each insurance company has its own way of evaluating these factors, so rates can vary between providers.

Other factors, like your age, credit score, and how much you drive, can also affect your premium. It’s important to shop around because different companies weigh these factors differently, which can lead to significant differences in price.

Below is a table showing the average auto insurance rates from six major providers in Maryland:

Average Maryland Car Insurance Premiums – By Credit Score

Many insurance companies in Maryland consider your credit history when deciding whether to offer you insurance and what your premium will be. When checking your credit, most companies look at the number of open accounts you have, how much you owe compared to your available credit, and how often you apply for new credit.

A lower credit score can lead to higher car insurance rates. Insurance companies use credit scores to predict the likelihood of you filing a claim, as claims can be more expensive than the premiums they collect.

Below is a table showing the average car insurance premiums based on different credit score categories in Maryland.

Average Car Insurance Costs In Maryland – By Gender

In Maryland, adult females typically pay slightly less for car insurance than adult males on average. This is because, statistically, males are considered higher-risk drivers. Insurance companies often view males as more likely to engage in risky driving behavior, such as speeding or reckless driving, which increases the chances of accidents. As a result, their premiums tend to be higher.

Here’s a table showing the average car insurance costs by gender in Maryland:

Average Cost Of Maryland Car Insurance – By Driver Record

In Maryland, a driver’s history affects their car insurance rates directly. Insurance companies review driving records to set premiums and see drivers with violations as higher risk. Speeding tickets and other traffic violations can cause rates to rise by 20% or more.

Here is a table displaying average car insurance costs based on different driving records in Maryland:

Average Maryland Auto Insurance Costs – By Marital Status

Insurance companies usually see married people as more stable and less likely to take risks while driving, leading to fewer accidents and claims. Because of this, they often offer lower premiums to married couples.

Here is a table displaying average car insurance costs by marital status in Maryland:

Average Cost Of Car Insurance In Maryland – By Coverage Type

The more coverage you choose, the higher your insurance premium will be. For example, comprehensive coverage costs more than collision coverage.

In Maryland, the minimum required car insurance includes $30,000 for bodily injury liability per person and $60,000 per accident, $15,000 for property damage liability per accident, and $30,000 for uninsured motorist bodily injury per person with $60,000 per accident. Additionally, uninsured motorist property damage is required at $15,000 per accident.

Here is a table displaying average car insurance costs by coverage type in Maryland:

Average Maryland Car Insurance Rates – By City

Car insurance rates in Maryland vary by city due to factors like traffic density, accident rates, and local regulations. For example, in Baltimore, the average annual cost for full coverage car insurance is $3933, significantly higher than the state’s average of $2,629

In the following table, we explore the average car insurance costs in eight different Maryland cities to illustrate these differences.

Average Maryland Car Insurance Rates – By ZIP Code

Insurance companies also set prices based on ZIP codes to reflect local risks. Areas with more traffic, frequent bad weather, or higher crime rates usually have higher premiums, while rural areas often have lower insurance costs due to fewer accidents and claims.

The table below shows the average car insurance rates in various Maryland zip codes, highlighting how rates vary depending on the location.

Maryland Car Insurance Rates Compared To Other U.S. States

Car insurance in Maryland is higher than the national average. There are various factors that can impact your car insurance rates in Maryland, such as claims history, credit score, your location and age. Knowing how Maryland’s car insurance rates compare to those in other states can help understand if you’re paying a fair amount.

Below is a comprehensive comparison of average car insurance rates across all U.S. states, providing a clearer picture of how Maryland fares on the national stage.