Maryland Car Insurance
The average Maryland driver pays $1,690/year for full coverage and $770/year for state minimum. Compare quotes from top carriers and find the right fit in five minutes.
Compare Maryland quotes →At a glance
- Avg. full coverage
- $1,690 / year
- Avg. minimum coverage
- $770 / year
- State minimum
- 30/60/15
- No-fault state?
- No
- PIP required?
- No
- UM/UIM required?
- Yes
Maryland Minimum Coverage Requirements
The minimum auto insurance coverage required to legally drive in Maryland is:
30/60/15
$30K bodily injury per person, $60K per accident, $15K property damage
These minimums are not the same as what most drivers should carry. State minimums protect you from a small fender bender — they fall far short of what you'd need after a serious accident with injuries. Most financial advisors recommend at least 100/300/100 in liability limits for households with meaningful assets.
Top Car Insurance Carriers in Maryland
By market share, these carriers write the most policies in Maryland:
- 1GEICO
- 2State Farm
- 3Allstate
- 4Progressive
- 5Erie
Market share doesn't mean cheapest — the carrier with the most customers in your state may not be the one that quotes you the best rate.
What's different about Maryland
UM required matching liability limits. GEICO (HQ in MD) often competitive here.
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Premium estimates are based on publicly reported industry averages and are intended as a rough guide. Your actual quote depends on driver record, vehicle, coverage choices, and ZIP code. Quorrio is an independent comparison marketplace, not an insurance company, agent, or broker.