Average Car Insurance Cost in Maryland (2025)

The average cost of car insurance in Maryland is $200 per month for liability coverage and $294 for full coverage. For comparison, the U.S. national average cost is $104 per month for liability and $184 for full coverage.

The Old Line State’s average car insurance rates have been increasing drastically in recent years. The average cost of full-coverage insurance increased by 58% between 2023 and 2024. One reason for Maryland’s expensive car insurance rates could be its relatively high rate of uninsured drivers (15%).1

Here’s what you should know about Maryland car insurance, including how to compare car insurance quotes and understand coverage options.

How much is car insurance in Maryland?

Maryland drivers pay an average of $247 per month for car insurance, or an annual premium of $2,966. 

On average, drivers pay $200 per month for liability coverage and $294 for full coverage. This comes out to $2,401 per year for liability coverage and $3,531 for full coverage.

Full-coverage car insurance is always more expensive than liability insurance because it includes collision and comprehensive coverage. Your exact rate will differ from the average, as every driver has a unique combination of driving factors, such as age, location, and driving record.

How Maryland car insurance rates have changed over the past two years

The average price for full-coverage car insurance in Maryland rose to $4,000 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Maryland.

See how Maryland car insurance prices have changed over the past two years below.

Average Maryland car insurance rates by city

Car insurance rates vary depending on which city you live in in Maryland. Car insurance companies consider numerous factors when setting your rate, including accident frequency, auto theft rates in your ZIP code, and whether you park your car on the street or in a garage.

Drivers in large metropolitan areas almost always pay more for car insurance than drivers in rural areas, as major cities have more risks than rural towns. Baltimore drivers pay the highest rates in Maryland, with an average monthly rate of $322 for minimum coverage.

Below, you can compare average rates for a few of Maryland’s popular cities, according to Insurify data.

Average Maryland car insurance rates by age and gender

Your car insurance rates vary by your age and even your gender. Older drivers have more experience behind the wheel, so they almost always pay less than younger drivers. Male drivers generally take more risks behind the wheel than female drivers, so they often pay higher rates.2

Insurers strongly consider both of these factors when setting car insurance premiums, meaning teenage drivers pay some of the highest rates in Maryland and older drivers pay some of the lowest rates.

Average cost to insure popular vehicles in Maryland

The Tesla Model Y was the most popular vehicle in Maryland in 2023, according to data from Edmunds. The Toyota RAV4 and the Honda CR-V are the other most popular vehicles in the state. Toyota and Honda are reliable manufacturers, which pushes drivers to purchase them year after year.

The Ford F-Series trucks and the Toyota Camry round out the top five vehicles in Maryland. Ford trucks are excellent choices for drivers in Maryland’s rural areas, and the Toyota Camry is another extremely reliable choice. These two vehicles are among the most popular in the entire country, explaining their popularity in Maryland.3

Here are the average full-coverage insurance monthly costs to insure the most popular vehicles in Maryland.

How your driving record affects car insurance rates in Maryland

Your driving record has one of the most significant effects on your car insurance rates. Insurance companies consider any at-fault accidents and infractions in your driving history when setting rates.

If you have even one or two infractions on your record, you’ll likely pay more than people with clean driving records. How much more you might pay than a driver with a clean driving record depends on the severity of the infraction. Drivers with DUIs can see up to 50% increases.

The table below has average rates for car insurance based on driving records in Maryland.

How to lower your insurance costs in Maryland

Maryland drivers can lower their insurance costs in a number of ways. Consider the following methods to help you earn a lower rate: