Cheapest Car Insurance in Maryland (2026)
GEICO (or USAA for military) leads minimum coverage at $38/month. Maryland drivers pay an average of $150/month for full coverage. Verified May 2026 against state insurance commissioner and 2026 carrier analyses.
Updated May 1, 2026 · WebSearch-verified state minimums (30/60/15 + UM/UIM — $30K BI per person, $60K BI per accident, $15K property damage), average costs, and cheapest-carrier rankings.
Quick Answer — Maryland
- Minimum coverage required: 30/60/15 + UM/UIM — $30K BI per person, $60K BI per accident, $15K property damage
- Avg full coverage cost: $150/month ($1,800/year)
- Cheapest carrier (minimum): GEICO (or USAA for military) — $38/mo avg
- Cheapest carrier (full coverage): GEICO (or USAA for military) — $111/mo avg
What's special about car insurance in Maryland
- Fault-based state
- Allows credit-based insurance pricing
- DC/Baltimore metro pays significantly more than rural MD
- Above-national-average rates due to high population density and traffic claims
Maryland car insurance at a glance
| Feature | Detail | Monthly | Annual |
|---|---|---|---|
| Minimum coverage required | 30/60/15 + UM/UIM — $30K BI per person, $60K BI per accident, $15K property damage | — | — |
| Avg minimum coverage cost | $86/mo | $1,032/yr | — |
| Avg full coverage cost | $150/mo | $1,800/yr | — |
| Cheapest carrier (minimum) | GEICO (or USAA for military)Best | $38/mo | $451/yr |
| Cheapest carrier (full coverage) | GEICO (or USAA for military)Best | $111/mo | $1,330/yr |
Which carrier should Maryland drivers pick?
Match your situation to the right carrier. Maryland-specific pricing varies by carrier, but the patterns below hold for most drivers.
- You want the absolute cheapest minimum coverage→ GEICO (or USAA for military)Cheapest in Maryland at $38/mo. USAA cheapest at $1,188/yr for eligible military members
- You want full coverage at the lowest price→ GEICO (or USAA for military)$111/mo full coverage in Maryland. USAA $1,188/yr (military); GEICO $1,330/yr second-cheapest for general public
- You qualify for USAA (military / veteran / family)→ USAAUSAA is almost always cheapest for eligible members in any state — quote them first.
- You bundle auto + home→ State Farm23% bundle discount = avg $1,010/yr savings — highest in industry.
- You drive defensively + would let an app monitor→ Progressive (Snapshot)Avg $322/yr savings for safe drivers. Up to 30% off baseline.
- You have a high-risk record (DUI, accidents, tickets)→ ProgressiveSpecialty pricing for non-standard drivers — beats GEICO/State Farm in this tier.
Get a free Maryland quote in 15 minutes
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Sponsored partner
$38/mo
Cheapest minimum coverage
$150/mo
State avg full coverage
30/60/15 + UM/UIM
State minimum required
May 2026
Last verified
Our methodology: We research, test, and verify every opportunity to ensure accuracy and value.
WalletGrower is independently owned and operated. We maintain editorial independence from our affiliate partners.
Methodology & sources
All Maryland data on this page was WebSearch-verified May 2026 against the Maryland insurance commissioner / DMV and at least one of the following 2026 carrier analyses:
Caveat: Real quotes vary by ZIP code, age, driving record, credit (where allowed), vehicle, and coverage level. The averages cited are useful for cross-carrier comparison but your actual quote will differ — sometimes by hundreds of dollars in either direction. Always quote 3+ carriers before deciding.
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