Cheapest Liability Car Insurance In Maryland 2026
Maryland drivers looking for the lowest price on liability coverage will typically find the best deal with GEICO. On average, a basic policy from this insurer costs about $54 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the most affordable liability-only car insurance in Maryland varies based on your driving history. GEICO stands out as the primary choice for most drivers seeking minimum limits.
However, USAA is often superior for military members as well as teens and seniors. If a past accident is impacting your rates, State Farm typically offers the best solution. Drivers with a DUI on their record usually find the lowest cost with Erie Insurance.
Key Takeaways
GEICO offers the lowest prices for Maryland drivers with an average monthly cost of $54.
The state requires a specific level of basic coverage known as 30/60/15.
Liability plans pay for damage you cause to other people, but do not protect your own vehicle.
Cheapest Liability-Only Car Insurance In Maryland, 2026
Cheapest Liability Car Insurance In Maryland: GEICO
Maryland drivers often find the best deal with GEICO, where basic liability car insurance averages just $54 a month.
Life in busy areas like Baltimore, Columbia, or Silver Spring can get pricey. That is why finding ways to cut monthly expenses is so important. A budget-friendly liability plan is a smart strategy. It allows you to stay legal on the road without breaking the bank.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| Erie Insurance | $74 | $891 |
| GEICO | $54 | $653 |
| State Farm | $78 | $932 |
| USAA* | $62 | $739 |
| Travelers | $68 | $814 |
*Military Only
Cheapest Liability-Only Car Insurance In Maryland For Teens: USAA
Maryland teenagers can often find the cheapest coverage through USAA, with average premiums of about $114 a month.
Getting a low-cost liability plan is a top priority for young drivers because they face the highest prices on the market. Insurers view teens as high-risk clients. This often leads to pricey bills that can be hard for a family to manage.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $172 | $2,064 |
| GEICO | $148 | $1,776 |
| USAA* | $114 | $1,368 |
| Travelers | $194 | $2,328 |
| Erie Insurance | $122 | $1,464 |
*Military Only
Cheapest Liability-Only Car Insurance In Maryland For Young Adults: USAA
Young adults in Maryland typically get the best value from USAA. Average monthly rates start at roughly $76 for this age group.
Finding affordable coverage is crucial as these drivers start managing their own money. Balancing rent and student loans leaves little room for extra expenses. Choosing a basic liability plan is a smart move. It meets state laws and avoids the high expense of full coverage.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $125 | $1,500 |
| USAA* | $76 | $912 |
| Travelers | $94 | $1,128 |
| State Farm | $132 | $1,584 |
| Erie Insurance | $118 | $1,416 |
*Military Only
Cheapest Liability-Only Car Insurance In Maryland For Seniors: USAA
Maryland seniors usually find the most affordable coverage with USAA. Rates can be as low as $55 each month.
Cheap insurance is important for older residents who want to protect their retirement funds. Many seniors have a fixed income. Cutting down on monthly costs is a smart way to stay financially secure.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $73 | $876 |
| GEICO | $60 | $720 |
| State Farm | $79 | $948 |
| USAA* | $55 | $660 |
| Nationwide | $68 | $816 |
*Military Only
Find Affordable Car Insurance In Maryland
Cheapest Liability Car Insurance In Maryland For Military Members: USAA
Service members in Maryland usually get the best rates from USAA. Basic coverage often costs around $42 per month.
Military families face unique financial challenges. Moving often and handling deployments can strain a budget. Finding ways to lower monthly bills is a great way to save. Liability insurance meets all state legal rules without the high price of a full coverage plan.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $49 | $588 |
| Erie Insurance | $65 | $780 |
| State Farm | $78 | $936 |
| USAA* | $42 | $504 |
| Travelers | $72 | $864 |
*Military Only
Cheapest Liability Car Insurance In Maryland After An Accident: State Farm
In Maryland, State Farm often offers some of the lowest liability insurance rates for drivers with a recent accident. Average monthly premiums are about $75.
After a crash, especially if you were at fault, insurance costs usually rise. That increase can strain your budget. Finding a company with competitive rates is one of the best ways to limit the financial impact and keep your coverage affordable.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $124 | $1,488 |
| Erie Insurance | $148 | $1,776 |
| State Farm | $75 | $900 |
| Travelers | $136 | $1,632 |
| USAA* | $102 | $1,224 |
*Military Only
Cheapest Liability-Only Car Insurance In Maryland After A DUI: Erie Insurance
Erie Insurance is often the most affordable option for Maryland drivers with a DUI. Monthly premiums average about $129.
Finding a cheap policy is crucial after a conviction because your rates will likely skyrocket. Insurance companies view a DUI as high risk. This leads to much higher bills. Shopping around is the best way to ease this financial burden.
| Insurance Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $144 | $1,728 |
| Travelers | $188 | $2,256 |
| Erie Insurance | $129 | $1,548 |
| GEICO | $152 | $1,824 |
| Progressive | $176 | $2,112 |
How To Get Cheaper Liability-Only Insurance
There are several practical ways to cut the cost of liability-only car insurance in Maryland. Start by getting quotes from multiple insurers. Each company uses its own method to measure risk, so prices can differ quite a bit. An independent agent can also compare several options at once and help you spot a better deal.
Look closely at available discounts. Many Maryland insurers reduce rates for safe drivers, customers who bundle home and auto coverage, or those with strong credit. If you drive fewer miles each year, ask about a low-mileage discount since less time on the road often means lower risk.
Raising your deductible can also shrink your monthly premium. You will pay more out of pocket if you file a claim, but your regular bill should drop. Review your coverage limits as well. Choosing the state minimum is the cheapest path, yet you need enough protection to guard your savings and property.
Keeping a clean driving record remains one of the best long-term strategies. Avoiding tickets and accidents helps control rate increases. If your premium feels too high, consider taking a defensive driving course. Many insurers reward drivers who complete approved safety programs with added savings.
How Much Liability Coverage Does Maryland Require?
Maryland law says every driver must buy a specific amount of liability insurance to drive legally. This policy pays for medical care and repairs for other people if you cause a crash.
The state enforces minimum coverage limits known as 30/60/15. Here is how those numbers break down:
- $30,000 for bodily injury per person: This pays the medical bills for a single person you injure.
- $60,000 for bodily injury per accident: This is the total amount your insurer will pay for injuries if multiple people are hurt in one incident.
- $15,000 for property damage: This covers the cost to fix the other driver’s car or any other property you hit.
You also need Uninsured and Underinsured Motorist coverage. The required limits are $30,000 per person and $60,000 per accident for bodily injury, plus $15,000 for property damage.
You must keep these limits active to stay legal on the road. However, these minimums might not cover the full cost of a serious accident. Many drivers buy higher limits to protect their personal savings from lawsuits.
Should You Get Liability-Only Insurance?
Deciding between full coverage and liability only insurance in Maryland depends on what your car is worth and how much you can afford each month. Liability coverage pays for injuries and damage you cause to others, but it does not cover repairs to your own vehicle. If you drive an older car that is paid off, adding comprehensive and collision coverage may not make financial sense, especially if the premium is close to the car’s value.
Your driving habits also play a role. Someone with a clean record may choose lower coverage to save money. On the other hand, regular trips through busy areas like Baltimore or the Capital Beltway increase the risk of a crash. Lower premiums can be appealing, but you need to weigh that against the cost of fixing your own car after an accident.
Take a close look at your savings as well. If replacing your vehicle out of pocket would be difficult, full coverage offers stronger protection. If your priority is reducing monthly bills and you can manage the risk, liability-only coverage can be a practical way to cut costs while still meeting Maryland’s legal requirements.
Find Affordable Car Insurance In Maryland
Cheapest Car Insurance In Different Cities In Maryland
| City | Average Monthly Cost | Average Annual Cost |
| Baltimore | $162 | $1,944 |
| Columbia | $320 | $3,840 |
| Frederick | $135 | $1,620 |
| Gaithersburg | $143 | $1,716 |
| Glen Burnie | $147 | $1,764 |
| Waldorf | $142 | $1,704 |
| Hyattsville | $191 | $2,292 |
Compare The Cost Of Liability Car Insurance To Other States
Liability-only insurance rates are never the same from one state to the next. Variables like local driving laws, weather hazards, and accident risks all shift the final price. For example, South Dakota drivers enjoy some of the cheapest coverage at roughly $29 per month. Meanwhile, motorists in Michigan deal with the most expensive premiums, averaging $154.
The following table highlights the cost differences across the U.S. so you can see how Maryland compares:
| State | Average Monthly Cost | Average Annual Cost |
| Alabama | $55 | $660 |
| Alaska | $64 | $768 |
| Arizona | $59 | $708 |
| Arkansas | $50 | $600 |
| California | $65 | $780 |
| Colorado | $73 | $876 |
| Connecticut | $79 | $948 |
| Delaware | $107 | $1,284 |
| Florida | $101 | $1,212 |
| Georgia | $80 | $960 |
| Hawaii | $45 | $540 |
| Idaho | $34 | $408 |
| Illinois | $48 | $576 |
| Indiana | $42 | $504 |
| Iowa | $37 | $444 |
| Kansas | $56 | $672 |
| Kentucky | $75 | $900 |
| Louisiana | $98 | $1,176 |
| Maine | $41 | $492 |
| Maryland | $83 | $996 |
| Massachusetts | $88 | $1,056 |
| Michigan | $154 | $1,848 |
| Minnesota | $78 | $936 |
| Mississippi | $52 | $624 |
| Missouri | $63 | $756 |
| Montana | $44 | $528 |
| Nebraska | $50 | $600 |
| Nevada | $114 | $1,368 |
| New Hampshire | $49 | $588 |
| New Jersey | $95 | $1,140 |
| New Mexico | $47 | $564 |
| New York | $92 | $1,104 |
| North Carolina | $39 | $468 |
| North Dakota | $46 | $552 |
| Ohio | $43 | $516 |
| Oklahoma | $60 | $720 |
| Oregon | $61 | $732 |
| Pennsylvania | $68 | $816 |
| Rhode Island | $101 | $1,212 |
| South Carolina | $72 | $864 |
| South Dakota | $29 | $348 |
| Tennessee | $55 | $660 |
| Texas | $69 | $828 |
| Utah | $65 | $780 |
| Vermont | $35 | $420 |
| Virginia | $52 | $624 |
| Washington | $66 | $792 |
| Washington D.C. | $77 | $924 |
| West Virginia | $58 | $696 |
| Wisconsin | $43 | $516 |
| Wyoming | $31 | $372 |
Our Methodology
To evaluate the car insurance companies and determine the cheapest liability-only coverage options in Maryland, we employed a comprehensive methodology focused on several key factors. First, we analyzed premium rates provided by each insurer for different driver profiles, including military members, teens, young adults, seniors, and drivers with a history of accidents or DUIs. These profiles were carefully selected to represent a wide range of typical insurance needs, ensuring that our findings are applicable to a broad audience. We collected data from multiple sources, including other insurance review websites, consumer reports, and direct quotes from the insurers. By comparing rates across these varied profiles, we were able to identify the most affordable options for each category.
In addition to premium rates, our evaluation also considered factors such as customer service ratings, claims handling efficiency, and financial stability of the insurance companies. We believe that while affordability is important, the overall quality of service provided by the insurer is equally important. Companies that offer low rates but fail to deliver reliable customer service or timely claims processing may not be the best choice in the long run. Therefore, our methodology balances both cost and quality, ensuring that our recommendations are not only budget-friendly but also trustworthy and dependable for Maryland drivers.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Why is car insurance in Maryland so high?
Rates in Maryland tend to run high because insurers face greater risk. Busy highways, dense traffic near major cities, costly medical care, and rising vehicle repair bills all push premiums upward. A higher share of uninsured drivers can also add pressure to overall prices.
How do I save on car insurance in Maryland?
You can cut costs by getting quotes from several different companies to find the best deal. Bundling your home and auto policies is another great way to save. Keeping a clean driving record helps you avoid rate hikes. You should also ask about discounts for safe driving or low annual mileage.
About Bob Phillips
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