The Best Cheap Maryland Car Insurance
Updated
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There's no getting around the need for auto insurance if you're a Maryland driver. In addition to protecting you (and your assets), adequate insurance helps protect passengers in your vehicle and other drivers on the road. If you're working with a tight budget, it's essential to know where you can find the lost-cost coverage you need. Here, we've broken down the best car insurance companies in Maryland by driver type.
USAA offers low-cost car insurance to current and former members of the military, as well as their families. A typical driver with a clean driving record can expect to pay an average annual premium of $1,016.
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For drivers who don't qualify for USAA coverage, the best car insurance in Maryland comes from:
It can be tough to land affordable Maryland auto insurance with one accident on your driving record, but a couple of companies make it possible. USAA is the big winner, offering its customers an average annual rate of $1,632.
The best insurance companies in Maryland for drivers with one accident also include:
There are a couple of things about allowing a new teen driver out on the road. As a parent, you may find your heart in your throat more often than not. Also, it can be a challenge to find the best car insurance companies in Maryland offering low-cost car insurance for teens. When it comes to insurance for teens and young drivers, the term "low-cost" is relative. Providing a young driver with proper coverage is typically costly, no matter which insurance company you choose.
If you qualify for USAA, though, you're in luck. Their average annual premium will set you back around $2,704, or $225 per month. If you don't have access to USAA, here are several other options to consider:
Are you wondering, "How much is car insurance in Maryland if you have one speeding ticket on your record?" Again, your best bet is USAA, with an average annual rate of $1,208.
Some other Maryland auto insurance companies to explore include:
The most competitive cheap liability car insurance in Maryland comes courtesy of USAA, with an average rate of $419 for minimum coverage.
Don't qualify for USAA coverage? Here are two more options for cheapest car insurance in Maryland:
The average cost of auto insurance across Maryland is $2,880, nearly 9% higher than the national average.
| Average Rate Category | Maryland | National Average |
|---|---|---|
| Overall | $2,880 | $2,646 |
| Young drivers | $7,099 | $5,988 |
| 1 accident on driving record | $3,253 | $3,092 |
| 1 speeding ticket on driving record | $2,743 | $2,766 |
Maryland car insurance laws are clear. Drivers caught without adequate car insurance can face:
All drivers must carry at least Maryland minimum car insurance, including:
Landing cheap insurance involves getting several Maryland car insurance quotes. While some companies (like USAA and State Farm) tend to land near the top of the pile, rates change, and you may find other companies that offer competitive rates. There are several factors that help determine your odds of finding cheap car insurance: your driving record, credit score, and the number of discounts you can snag.
As you've likely noticed, the best rates are reserved for drivers with clean driving records. That doesn't mean that you can't find a reasonable rate if you've ever had a ticket or an accident, but it does mean that it's easier to find a low rate after an accident or ticket has fallen off your driving record. In the meantime, when you're in a hurry to get somewhere, remember how much a speeding ticket or accident could cost you.
Insurance providers have found a connection between people with high credit scores and safe driving habits. Whether it seems fair or not, insurance companies will check your credit score to get a sense of how likely you are to drive carefully in order to keep their losses down.
The number of potential car insurance discounts varies by company, but taking time to look through the options can save you money. Here are some of the discounts that help the average driver:
Maryland allows drivers to waive Personal Injury Protection (PIP) and opt for limited PIP instead. It's another way to keep costs down and worth asking an insurance agent about.
It's all about doing everything possible to keep your premiums low.
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The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only — your own quotes may be different.
