Popular QuestionsPopular Questions About Maryland Car Insurance

How much does Maryland car insurance cost/yr? $1,590

Maryland car insurance rates are higher than the national average. Independent insurance agents can help you find the best rates on the coverage you need. 

The average cost for car insurance nationwide is $1,311. In Maryland, residents pay an average of $1,590 per year. You'll get the best rates if you compare quotes from multiple companies before you choose a policy.

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What does Maryland car insurance actually do for me?

Car insurance can make a huge difference if you ever have an accident. On Maryland's congested roads, accidents are pretty common, but if you are insured, you won't have to worry. Here's a look at some ways that your auto insurance can help you after an accident...

  • Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender. 
  • Fix Someone Else's Car – Required/Min. $15,000. We officially call this "property damage liability." 
  • Pay Your Medical Bills –Required/Min. $2,500. We officially call this "personal injury protection" or "PIP." 
  • Pay Someone Else's Med Bills – Required/Min. $30,000 per person / $60,000 per accident. We officially call this "bodily injury liability."

You probably noticed that insurance is required for Maryland drivers. These minimum coverage requirements are designed to protect you in case of accidents. Most states across the nation have similar laws in place.

Who pays if the accident wasn't my fault?

The driver who caused the accident is responsible for covering the cost of damages.

How many Maryland drivers are uninsured: 12.2%

Since insurance is mandatory, you shouldn't need to worry about paying for an accident, right? There's just one problem: Sometimes people break the rules and drive without insurance. If you are hit by a driver who isn't insured, you'll be stuck paying for the damage to your car.

Of course, there is an easy solution to this potential problem. Uninsured motorist coverage gives you an extra measure of protection, stepping in to pay for damage and medical bills if you are ever hit by an uninsured driver in Maryland.

Which are the best insurance companies in Maryland?

An independent insurance agent compares multiple companies to find the best policy for your needs.

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InformationFind the Best Insurance in Your City

  • National average car insurance cost - $1318 / year
  • National average car thefts per 1,000 - 2.94
  • National average time spent commuting - 25.4 min


CityCommute time (min)Auto theft rate per 1,000Annual insurance costMonthly insurance cost
Baltimore25.27.19$2,353$196
Columbia31.32.80$1,446$120
Waldorf41.11.22$1,621$135
Glen Burnie25.98.89$1,601$133
Frederick30.50.58$1,277$106
Rockville31.70.97$1,824$152
Bethesda26.31.12$1,897$158
Gaithersburg30.80.97$1,400$117
Bowie35.50.79$1,605$134
Hagerstown25.32.77$1,199$100
Elkton24.71.65$1,345$112
Aberdeen25.30.59$1,332$111
Annapolis26.01.50$1,386$116
College Park27.91.64$1,719$143
Salisbury18.11.42$1,924$160
Laurel34.23.31$1,601$133
Greenbelt33.23.51$2,362$197
Cumberland16.00.84$1,642$137
Westminster32.60.75$1,332$111
Hyattsville34.53.47$1,851$154
Takoma Park34.92.67$1,486$124
Easton25.70.48$1,218$101
Cambridge23.01.89$1,181$98
Havre de Grace26.40.51$1,386$116

Baltimore City, MD Car Insurance

Residents of Baltimore pay an average of $196 per month for their auto insurance coverage. Several variables are used to calculate your actual rate for insurance, so your costs could be significantly higher or lower than this average. Rates are dependent on such things as the number of types of vehicles you are insurance, the ages and driving histories of all licensed drivers in your household, and the amount of coverage you are purchasing. 

When you spend a lot of time on the road, you face a higher risk for accidents. In Baltimore, drivers have average commute times, so this shouldn’t have a significant impact on your insurance rates.

Baltimore is notorious as a high crime area, which means you have a higher risk that your car could be stolen or vandalized. You will need to ensure that your policy includes comprehensive (or, “other than collision”) coverage if you want to be compensated for losses caused by property crimes. 

Waldorf, MD Car Insurance

The average monthly cost of auto insurance in Waldorf is $135. However, rates can vary greatly from one driver to the next. Your personalized quote will be based on several factors like your age, gender, vehicle, and driving record, so you can expect to pay significantly more or less than this average.

Drivers in Waldorf spend a lot of time traveling to and from work, and this increases their chances of being in an accident. These long commute times could cause a spike in insurance rates for many local drivers.

Living in an area where crime is an ongoing problem could drive up your rates on insurance. In Waldorf, however, the auto theft rates are much lower than in most American cities. This is good news because it could bring down the cost of including comprehensive coverage in your auto policy.

Glen Burnie, MD Car Insurance

Residents of Glen Burnie spend an average of $133 per month for their auto insurance. Your monthly rate might be significantly higher or lower than this. Each driver receives a customized rate that is based on factors like age, gender and driving history.

When you spend a lot of time driving, you run a higher risk for getting into an accident. Glen Burnie drivers have pretty average commute times, so this shouldn’t have any major impact on your insurance rates.

Stolen cars are a common problem in Glen Burnie, which makes including comprehensive coverage in your auto insurance policy even more important. Rates for this coverage can be rather high due to the city’s high auto theft rate.

Frederick, MD Car Insurance

The average monthly cost of auto insurance in Frederick is $106. Your actual monthly cost will depend on several factors. Depending on such things as your driving record, your age and the type of car you drive, your rate might be higher or lower than the average.

The more time you spend on the road, the higher your risk will be for car accidents. In Frederick, commute times are a little longer than the national average, which could cause an increase in insurance rates.

One of the perks of living in Frederick is the city’s low theft rates. Since stolen cars are pretty rare in this area, you might enjoy some serious savings on your monthly insurance rate.

Rockville, MD Car Insurance

The average monthly cost of auto insurance in Rockville is $152. Depending on the type of car you drive, your age, and a variety of other factors, your rate could be significantly higher or lower than this amount. Comparing costs allows you to find the best rate for coverage.

If you spend a lot of time on the road, you’ll have a higher risk for car accidents. In Rockville, commutes tend to be a little longer than the national average, which might raise your rates for auto insurance.

Areas with high crime rates typically have higher insurance prices. That's because you face a stronger likelihood that your car could be stolen or vandalized. Fortunately, Rockville has a very low auto theft rate, which could help keep insurance prices down.

Bethesda, MD Car Insurance

Residents of Bethesda pay an average of $158 per month for their auto insurance. Of course, premiums can vary greatly from one driver to the next. Your actual monthly cost could be higher or lower, depending on factors like your age, gender and vehicle. 

In cities where drivers have to deal with long commutes, the threat of car accidents tends to be higher. In Bethesda, the time spent on the road by drivers is a little higher than the national average, which might increase rates on insurance.

Living in a dangerous area means you face an elevated risk for car theft or vandalism. That's why insurance rates increase in areas where auto theft is common. Fortunately, Bethesda has very few reports of stolen cars, which helps keep insurance prices affordable.

Gaithersburg, MD Car Insurance

The average monthly cost of car insurance in Gaithersburg is $117. Your actual monthly cost might be considerably more or less than this depending on several variables like your age driving record, and the make and model of the vehicle you drive.

If you spend a lot of time on the road, you’re more likely to get into an accident. The commute times in Gaithersburg are a little longer than the national average, and this elevated risk could increase insurance rates.

High crime rates tend to drive up insurance costs, but Gaithersburg residents won't have to worry. Stolen cars aren't very common in this area, and that should help keep insurance rates on the affordable side.

Bowie, MD Car Insurance

Residents of Bowie pay an average of $134 per month for their car insurance coverage. Depending on factors such as your vehicle, age, driving record, and coverage amount your rates might be significantly higher or lower than average. 

If you spend a lot of time driving, you are more likely to have an accident. Long commute times in Bowie are common, and this might cause an increase in insurance rates for many residents.

The higher your local crime rate is, the higher the risk is that you'll face a stolen or vandalized car. Drivers in Bowie can rest easy knowing that auto theft is pretty rare in this city. In fact, the theft rate is so low that you might see some savings on your insurance.

Hagerstown, MD Car Insurance

The average monthly cost of car insurance in Hagerstown is $100. Of course, insurance prices often vary significantly from one driver to the next. Your rate might be higher or lower than this average depending on a number of factors such as your car’s make and model, your age and driving record, and the amount of your deductible. 

Long commutes tend to drive up rates on car insurance. That's because longer road time leads to an increased risk for car accidents. Commutes in Hagerstown are right in line with the national average, so this should impact insurance rate for most residents.

Living in a dangerous area means you are more at risk for auto theft and vandalism. Theft rates in Hagerstown are a little lower than the national average, which might help decrease the cost of including comprehensive coverage to your auto insurance policy.