Best Car Insurance in Maryland (2025)

State Farm, Erie, and GEICO are among the best car insurance companies in Maryland. Learn how to find the best company for you.

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Shopping for car insurance can be challenging. Every driver has different priorities when it comes to auto insurance, and every insurer offers different coverage options and discounts.

Insurify analyzed 50 car insurance companies to determine the best insurers in Maryland. The good news is that Maryland drivers have some great insurers to choose from, each offering affordable rates and strong coverage options.

Best car insurance companies in Maryland

We looked at factors like customer satisfaction, average rates, and available coverages and discounts to choose the best car insurance companies in Maryland. Since insurers consider diverse factors when setting rates, the best insurer for you will depend on your age, driving record, credit history, gender, and location.1

Here are our top picks for auto insurance companies in Maryland.

State Farm: Best overall

Erie: Best for customer satisfaction

GEICO: Best for discounts

Safeco: Best for drivers with poor credit

USAA: Best for military members and their families

  • Our editorial team analyzed regional and national auto insurance companies that sell policies in Maryland to assess which ones offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

How to get the best car insurance in Maryland

To get the best car insurance in Maryland, start by getting a clear picture of how you use your car, what you can afford to pay, and what discounts you can take advantage of. Here are a few important factors to consider to help you find the best cheap car insurance.

Average cost of car insurance in Maryland

The average monthly cost of car insurance in Maryland is $199 for liability-only insurance and $292 for full coverage. Maryland drivers pay considerably more than the national average, which is $103 for liability coverage and $182 for full coverage.

Maryland’s average rates have been higher than the national average for several years, but the gap widened in 2024 as average rates in Maryland climbed. A spike in traffic fatalities in 2024 could partially explain the increase, according to Insurify’s car insurance report.

Best car insurance in Maryland FAQs

As you look for the best insurance company and coverage options in Maryland, here are some answers to frequently asked questions to help you along the way.

  • How much is car insurance in Maryland?

    Maryland has some of the most expensive average car insurance rates in the nation. The average monthly rate in Maryland is $199 for liability-only insurance and $292 for full coverage. Rates vary significantly based on unique factors like your location, driving record, age, and credit history.

  • What are the best car insurance companies in Maryland?

    Our top picks for the best car insurance companies in Maryland are State Farm, Erie, GEICO, Safeco, and USAA. We reviewed 50 insurance companies, considering rate affordability, customer satisfaction scores, financial and credit strength, coverage options, and available discounts.

  • What is the required auto insurance coverage amount in Maryland?

    Drivers must have a certain minimum amount of coverage in Maryland. That includes $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $15,000 for property damage. Maryland also requires the same limits for uninsured and underinsured motorist coverage.

Julia Taliesin
Julia TaliesinData Journalist

Julia Taliesin is a data journalist at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass. She reported multiple investigative stories about municipal finances and budget allocation, building development and inspection, and personnel. When the pandemic began she became a de facto public health reporter, writing daily and weekly reports using available data to quickly communicate rates of infection and city response.

She's worked for print and digital outlets, writing everything from quick-hit breaking news to long-form community features. More recently, Julia managed content strategy at a startup creating a social platform for licensed nurses, overseeing a team of nurse freelancers and editing interview transcripts and news articles for publication.

She holds a Bachelor's degree in communications from Simmons University, with a focus in journalism. Outside of work, Julia enjoys working on crafting projects, learning about homesteading, and singing in cover bands.

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Best Car Insurance in Maryland (2025) | Insurify