Best Car Insurance in Maryland for 2025 [10 Standout Companies]

The top providers of the best car insurance in Maryland are Nationwide, Allstate, and Farmers—leading providers recognized for their low complaint ratios, deep discounts, and flexible policy features.

Our Top 10 Company Picks: Best Car Insurance in Maryland

Nationwide stands out with vanishing deductibles and strong financial stability. Allstate rewards safe driving with up to 25% off through Drivewise, while Farmers offers accident forgiveness and extensive add-on options.

This guide compares coverage, ZIP code rates, credit-based pricing, and company complaint ratios to help drivers find the right policy.

Compare the best auto insurance in MD using our free quote tool by entering your ZIP code, and get matched with low-cost plans and high-value protections.

Comparing Maryland Auto Insurance Rates

The right insurance provider offers more than just low rates—it ensures you’re covered in the event of an accident or damage to your vehicle. This car insurance guide simplifies the details to help you choose the best coverage and provider in Maryland. Scroll down to find everything you need to get the right policy fast.

Maryland Car Insurance Monthly Rates by Provider & Coverage Level

Maryland’s 4,431 miles of shoreline and 2.7 million acres of forest attract 42 million visitors annually, leading to heavy road congestion. Choosing the right car insurance company is essential. This guide covers Maryland’s auto insurance laws, adding teenagers to a policy, and state-managed programs.

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Average Monthly Rates (Liability, Collision, Comprehensive)

Maryland car insurance rates vary by location, as different municipalities charge different premiums. All drivers must carry insurance, provide proof of it before registering their vehicle, and maintain an active car tag. Knowing your car insurance coverage is crucial.

Where you live directly impacts your insurance costs. While Maryland’s premiums are higher than in some states, comparing quotes from multiple carriers can help lower your rates.

Understanding Maryland’s insurance regulations and exploring savings options is crucial to obtaining the best coverage at the most favorable value.

Maryland Core Coverage Monthly Costs

The rates mentioned above are from 2015, so premiums for 2019 may be slightly higher. Understanding Maryland’s car insurance requirements helps you make informed decisions while researching and comparing local providers, which can help keep your costs low.

Maryland’s mid-range ranking for insurance costs might suggest that all insurers are the same, but careful research is essential. Failing to compare options could lead to higher costs and limited coverage.
Please keep reading to learn how we can help you find the best policy for your needs.

Minimum Car Insurance Requirements in Maryland

As Maryland law requires, these coverage requirements ensure drivers can cover basic costs for injuries or property damage if they’re at fault in an accident. The minimum legal car insurance coverage required in Maryland is:

• $30,000 for bodily injury per person
• $60,000 for bodily injury per accident (two or more people)
• $15,000 for property damage per accident

NOLO also notes that:

Maryland’s at-fault system assigns financial responsibility for car accidents, covering injuries, lost income, vehicle damage, and related expenses for drivers. The at-fault driver must cover all accident-related costs using their insurance policy, personal financial resources, or other available payment methods.

Minimum Car Insurance Monthly Rates & Requirements by State

You are financially responsible for the damages if you cause an accident in Maryland. Failure to meet the state’s minimum insurance requirements can result in fines, penalties, and the loss of your driving privileges, vehicle registration, and license plates.

If you must prove insurance, Maryland is among the 48 states that legally accept an electronic copy of your insurance card.

How Gender Affects Car Insurance Rates in Maryland

Maintaining a clean driving record helps, but doesn’t guarantee low rates. Age, gender, and other factors also affect car insurance premiums. In fact, according to CFA,

48 percent of Americans think auto insurers charge men more for coverage than women. However, only 23 percent of Americans think women are charged more.

The reality is that older women usually pay more than their male counterparts, according to the national average.

Take a look at the table below to see how your age group stacks up in the Old Line State. Teenagers remain the most expensive age group to insure.

Maryland Car Insurance Monthly Rates by Provider, Age, & Gender

Still, insurance rates stay relatively stable across age groups regardless of gender. However, other factors also impact car insurance rates. Keep reading to learn more.

Read More: LM General Insurance Company Review

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Maryland’s Cheapest Rates by ZIP Code

Many drivers are surprised to learn that their location can impact car insurance costs. Living in a different ZIP code can mean hundreds of dollars in savings on premiums, even within the same city. Compare car insurance rates.

That is the reality of the car insurance market, so it pays to shop around. Take a look at the following tables to see how your zip code compares to those around you.

Maryland 10 Cheapest ZIP Codes for Car Insurance

Zip code 21783 in Smithsburg has the cheapest car insurance rates. City life offers convenience but often comes with higher car insurance costs.

Maryland 10 Most Expensive ZIP Codes

In Baltimore, where 611,648 residents call home, the average annual car insurance cost is $8,830.19. Meanwhile, in Smithsburg (population 2,976), residents pay significantly less, just $3,658.86 annually.

Even within the same city, costs vary. For example, Inner Harbor residents pay about $1,000 less per year for car insurance than those living just a few miles away in Midtown Edmondson.

Maryland’s Cheapest Rates by City

Baltimore offers numerous benefits for residents and visitors, but navigating its historic streets and finding suitable car insurance options can be challenging. We’re here to help you find the right car insurance provider, ensuring your protection and that of your loved ones.

Check the tables below to see how your ZIP code and city affect car insurance costs. You may also check the car insurance rates by state.

Cheapest Cities in Maryland for Car Insurance

Cavetown offers the most affordable car insurance rates in Maryland. Car insurance rates differ significantly between Smithsburg, with about 2,900 residents, and Randallstown, which has a population of approximately 32,000.

Most Expensive Cities in Maryland for Car Insurance

Given that more people means more cars on the road, it is no surprise that more densely populated places have higher rates. After all, more cars on the road usually translate to more traffic incidents, which inevitably result in more claims.

Suppose you ever find yourself in the unfortunate position of having to file a claim. In that case, knowing how your car insurance provider compares to others will be a comfort. That is where we come in.

Maryland’s Cheapest Car Insurance Companies

Start by comparing Maryland’s cheapest car insurance rates to make an informed decision. The table below helps you identify the best provider for your budget.

Maryland Car Insurance Monthly Rates Compared to State Average

Many factors beyond location and gender impact your insurance rates. Continue reading to learn what insurers consider when determining your premiums.

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Commute Rates by Company

Car insurance companies consider how much you drive when determining your rates. Longer commutes often mean higher premiums, so it’s essential to compare annual rates from Maryland insurers based on yearly mileage. See more in our carpooling tips.

The table below can help you put these numbers in perspective as you make your informed decision about which car insurance provider is best for you.

Maryland Commute Distances Car Insurance Monthly Rates by Provider

The data shows that USAA may be the best option for shorter commutes. At the same time, State Farm could be a better choice for frequent drivers due to its larger market share and lower complaint ratio.

Your chances of being involved in a road accident increase directly with the duration of your driving. State Farm Insurance’s strong loss ratio is beneficial for drivers who make lengthy commutes, as it indicates higher reliability in claim payments. Compare each car insurance company’s coverage levels and rates to find the best combination of value and protection.

Credit History Rates by Company in Maryland

You may wonder what your credit rating has to do with the price you pay for car insurance. In 2015, Consumer Reports gave all of America the answer with its surprising study, which revealed that:

Your credit score could have more of an impact on your auto insurance premium price than any other factor.

Take a look at the table below to see just how your credit score might impact your car insurance rates in the First Line State.

Maryland Car Insurance Monthly Rates by Provider & Credit Score

Maintaining a good driving record helps secure affordable car insurance. People with higher credit scores pay lower premiums because they are less likely to file claims.

Driving Record Rates by Company in Maryland

Maryland uses a demerit point system, meaning your driving history directly affects your car insurance rates. Violations outside the state can also impact your record, according to the MVA.

Out-of-state violations that can be attached to your Maryland driving record include:

• Alcohol and/or drug offenses
• Vehicular manslaughter or homicide
• Using a motor vehicle during the commission of a felony
• And leaving the scene of an accident that involves bodily injury

Points on your driver’s license stay on the public record for three years from the date of the violation. The table below illustrates the potential costs associated with these violations.

Maryland Auto Insurance Monthly Rates by Provider & Driving Record

Even a single ticket or accident can significantly raise your car insurance rates. Monitoring your driving record and credit report can help you find ways to lower your premiums over time.

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Available Additional Coverage Options

Buying minimum coverage at budget insurer prices may appear financially beneficial, but it exposes your assets to significant risks. Marylanders who want better insurance protection should consider purchasing enhanced coverage, even if it means small increases in their insurance costs, as it will provide them with stronger financial security.

Suppose you purchase MedPay as an additional option. In that case, the injuries and deaths of your passengers in traffic accidents will be covered. Some of what MedPay offers include:

• Surgical costs
• Medical expenses, including prescriptions
• Dental expenses
• And funeral costs

Being unprepared for accidents can lead to significant financial strain. When selecting additional liability coverage, consider reviewing the insurance company’s loss ratios to ensure you are adequately protected. Analyzing Maryland’s loss ratio trends can provide insight into the state’s car insurance market and help you make an informed choice.

Maryland Loss Ratio by Coverage Type and Year

The loss ratios for PIP, MedPay, and Uninsured/Underinsured Motorist coverage indicate a healthy car insurance market in Maryland. This is good news for drivers, as loss ratios help assess insurers’ financial stability and reliability. Specifically:

• A High Loss Ratio (over 100 percent) indicates that the companies are incurring losses because they are paying out too many claims, which may force them to raise rates.
• A Low Loss Ratio indicates that companies overestimated the number and severity of claims and probably charged too much premium.

A car insurance company with a high loss ratio is more likely to pay claims when needed. With 12% of Maryland drivers uninsured, ranking the state 23rd in the nation, having an insurer that prioritizes claim payouts can provide valuable financial protection.

Beyond choosing an insurer with a substantial loss ratio, you can enhance your protection by adding policy endorsements or coverage add-ons. Keep scrolling to explore the options that may be right for you.

Available Add-ons and Endorsements

While not required by law in Maryland, add-ons and endorsements offer extra protection when needed. Increasing your coverage can help with recovery after a total loss and provide support for towing if your car breaks down. Some of the most valuable add-ons and endorsements include:

• Guaranteed Auto Protection (GAP): If your car is totaled or stolen, the insurance will pay any remaining balance owed on the lease or loan.
• Personal Umbrella Policy (PUP): When you reach your underlying liability limits, PUP kicks in to help protect you from lawsuits that may arise from an auto accident.
• Rental Reimbursement: Suppose your car is in the shop for repairs. In that case, rental reimbursement coverage helps cover the cost of a rental vehicle until your car is ready. (For more information, read our “Pros and Cons of Renting Your Car to Others“).
• Emergency Roadside Assistance: Avoid the stress of being stranded with emergency roadside assistance. This add-on covers the cost of roadside repairs or towing if your car breaks down or you get a flat tire.
• Mechanical Breakdown Insurance: This type of coverage helps pay for the cost of repairs to your car that did not result from an accident.
• Non-Owner Car Insurance: Suppose you drive but don’t own a car. In that case, Non-Owner Car Insurance provides limited liability coverage, ensuring protection even when driving a vehicle that isn’t registered to you.
• Modified Car Insurance Coverage: If you’ve customized your vehicle, Modified Car Insurance ensures that most upgrades and modifications are covered—protection that a standard policy may not provide in the event of an accident.
• Classic Car Insurance: This type of insurance provides specialized coverage for vintage vehicles, protecting your prized car. This type of policy often costs less than standard insurance, as classic cars are driven less frequently.
• Pay-As-You-Drive or Usage-Based Insurance: This type of coverage is based on your driving habits. The insurance provider takes into account your speed, distance traveled, and other relevant factors to issue discounts based on that information.
• Transportation Expense Coverage: If your vehicle is being repaired after an accident, you may need additional transportation costs, such as bus or cab fare. This type of coverage can help.

Shopping for car insurance is not just about protecting your vehicle from loss; it’s also about protecting yourself from financial hardship. Unexpected factors can also influence your premium, affecting how much you pay.

The Largest Car Insurance Companies in Maryland

A larger market share doesn’t always mean a better insurance provider. Examining market share alongside factors like complaint and loss ratios can help you make a more informed decision.

Plainly stated, market share is:

The percentage of an industry, or market’s total sales, that is earned by a particular company over a specified time period.

In this case, the industry refers to the car insurance sector. The table below provides real numbers that illustrate how market share distribution affects your choices and what it means for you as a policyholder.

Maryland Car Insurance Market Share

Maryland has approximately 1.95 million registered vehicles, making it a significant market for car insurance providers. Geico holds around 24% of the state’s car insurance market, demonstrating strong financial stability with $1,173,739 in Direct Premiums Written.

Number of Insurers by State

Maryland boasts 32 domestic insurers and 860 foreign insurers, providing you with a total of 892 insurers from which to choose. Don’t know what the difference is between the two? You are not alone.

Simply put:

• A domestic insurer has been formed in accordance with the laws of the state of Maryland.
• A foreign insurer has been formed under the laws and jurisdiction of a state other than the state of Maryland.

Ultimately, both options provide the required coverage in the state of Maryland. The decision is based on personal preference and comfort with the insurer.

Understanding Maryland’s car insurance laws can help you navigate your policy more effectively. Keep reading for an overview of these regulations.

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Maryland State Laws

Maryland’s car insurance laws can be complex, but having a basic understanding of them before an accident can make navigating them more manageable.

Maryland is an “add-on state,” meaning lawsuits are not restricted. This makes knowing the law even more important. Additionally, insurers can deny coverage to high-risk drivers, making defensive and responsible driving essential for avoiding higher premiums and ensuring safety.

How State Laws are Determined

Maryland is a “Fault State,” meaning the driver responsible for an accident is also responsible for covering damages.

To elaborate:

Maryland follows a traditional “fault” system regarding financial responsibility for losses from a car accident: injuries, lost income, vehicle damage, and so on. This means that the person at fault for causing the accident is also responsible for any resulting harm (from a practical standpoint, the at-fault driver’s insurance carrier will absorb these losses up to policy limits).

Maryland’s statute of limitations begins on the date of the accident, making it crucial to file claims promptly. Being at fault in an accident may classify you as a high-risk driver, making it harder to find car insurance.

High-Risk Insurance

If classified as a high-risk driver, you can still find ways to lower your car insurance costs. While points stay on your license for three years under Maryland’s demerit system, shopping wisely and demonstrating responsible driving behavior can help you secure better rates.

Some of the ways that you can build confidence in potential insurance providers are:

• Cleaning Your Credit
• Avoiding More Tickets and Accidents
• Taking a Defensive Driving Class

This might also mean that you might not be able to get that chip in your windshield fixed without some out-of-pocket expenses.

Windshield Coverage

Maryland requires state safety inspections, making it essential to keep your windshield and wiper blades in working order. Proper maintenance ensures both compliance and safe driving conditions. See more in our safe driving tips. The Old Line State also requires that:

• All vehicles that were originally equipped with a windshield by the manufacturer do indeed have a windshield
• Windshield wipers must have blades that are capable of clearing rain or other types of moisture from the field of view effectively
• The windshield is made of safety glass
• Stickers are only present in the lower corners out of the field of view
• No items can be hung from rearview mirrors
• Only the top five inches of the windshield can have a non-reflective tint
• Cracks cannot intersect with other cracks
• And chips must be under 3/4 of an inch, and they must be more than three inches from other damage

Comprehensive coverage typically includes windshield damage, but filing a claim may result in a rate increase, similar to that for risky driving behavior. However, Maryland drivers can access low-cost options to help manage repair costs without impacting their premiums.

Low-Cost Insurance

If you have a good driving record, good credit, and the right combination of demographics, then obtaining low-cost insurance is relatively easy. If you are like most people, though, chances are that not all of your ducks are quite in the same row.

There are more than a few options available to the average person with a few flaws on their driving record or credit report, or who might find themselves living just outside the right zip code. Some of these options include searching for the best discounts when shopping for your policy.

Some of the most common discounts include:

• Military Discounts
• Good Student Discounts
• Safe Driver Discounts

Be aware that providing your car insurance provider with false information to obtain these discounts could result in legal consequences.

Automobile Insurance Fraud in Maryland

When a person or entity commits fraud, it raises the prices for everyone. This is why it is best to avoid it at all costs. Beyond your responsibility as a good citizen to refrain from committing fraud, committing car insurance fraud, in particular, could cost you more than you would ever save on your policy.

According to the Insurance Journal:

In 2017, Maryland Insurance Commissioner Al Redmer Jr. authorized $466,261 in fines, penalties, and restitution for insurance fraud cases. A total of 77 citizens faced civil orders and criminal charges for committing fraud.

In this instance, the risks do not outweigh the benefits, so why not try? Be aware that if you do try it and are caught, criminal penalties include:

• Imprisonment for up to five years and a fine of $5000 for a person caught burning with the intent to defraud
• For code fraud acts where the value of the fraud is over $300, you could face felony charges
• For presenting false insurance claims, the fine can be up to three times the value of the claim, and imprisonment for up to 15 years if you are charged with a felony

There are also criminal and civil penalties for insurance fraud that include penalties such as an administrative penalty of up to $25,000 and civil action taken by the insurance company

Statute of Limitations

As with all matters of law, you are required to file claims and lawsuits in a timely fashion. In the Old Line State, the time limit begins on the date of the accident and ends three years from that date.

Maryland also has a contributory negligence rule that persons filing a lawsuit should consider. This rule could prevent an injured person from collecting damages from an at-fault driver if it can be proven that the injured person’s own negligence also contributed to the accident.

Maryland Specific Driving Laws

In Rockville, it is illegal to curse while driving, which leads to some inventive language use when stuck in traffic. It is also illegal to import wild rabbits or hares, regardless of their living or deceased status, into the city of Baltimore to sell them, so you should probably leave them on the edge of town before driving through.

Alcohol critics in Maryland must also be certified, and after receiving certification, they are permitted to receive free samples. If this is your chosen profession, we suggest designating a driver before heading to work. See more in our driving laws.

Vehicle Licensing Laws

Individuals who relocate to Maryland have 60 days to update their driver’s license at the MVA. They need to bring documents such as proof of identity, residency, and maybe a driving record.

Active-duty military members and their families may also qualify for test waivers. Drivers from other countries must present their license from their home country and complete a drug and alcohol program if they are new to the United States.

Maryland also adheres to the federal Real ID rules. While the Real ID debate continues, the penalties for driving without insurance in Maryland remain unchanged.

Penalties for Driving Without Insurance

Driving without car insurance in the Old Line State could cost you big time. Some of these penalties include the loss of your license plates and vehicle registration privileges.

Driving without car insurance in Maryland can result in paying uninsured motorist coverage fees for each lapse in coverage. The fees are $150 for the first 30 days and $7 for each day thereafter. You could also be forced to pay a restoration fee of $25 for your vehicle’s registration.

MVA also states that you could also be faced with:

A fine of up to $1,00 and/or one year imprisonment for providing false evidence of vehicle insurance.

For this reason alone, the smartest thing you can do is to maintain your auto insurance coverage in Maryland and refrain from false representation when dealing with the MVA.

Teen Driving Laws

Teen driving laws in Maryland begin with the Rookie Driver Program, which consists of three steps: obtaining a learner’s permit, holding a provisional license, and eventually obtaining a full license. Teens must meet specific age and documentation requirements.

They must follow strict rules for supervision and safety and maintain a clean record at all times. Restrictions become stricter for young drivers, especially regarding using phones, drinking alcohol, and driving at night. The program ensures that new drivers learn safe habits before they obtain full driving rights at the age of 18.

Driver License Renewal Procedures

Teenagers are not the only ones who have laws specific to them. Older drivers also have laws that they must follow when it comes time to renew their licenses.

In Maryland, the average person is required to renew their license every eight years and only takes the vision test when renewing in person. Drivers over 40 must take the vision test at every renewal interval.

Maryland may also require information on your medical status, military status, and marital status if any of these have changed since you were first issued your license in the Old Line State.

New Residents

As previously stated, you have 60 days to change your license after establishing residency in the state of Maryland. You are considered a resident if:

• Your permanent home is in Maryland
• You maintain a place of abode in Maryland for more than six months

As a resident, you are expected to know and comply with Maryland’s driving, vehicle registration, and driver’s licensing laws. Proof of insurance is required to obtain a driver’s license or register a vehicle in the State of Maryland. Now that you know how to get your license in Maryland, we want to help you keep it in good standing. Keep reading to find out more.

Negligent Operator Treatment System

Knowing that Maryland licensing law uses the demerit driver’s license point system doesn’t mean much if you don’t understand which infractions cost you how many points.

The following things can add points to your driving record in Maryland if you are not careful:

• 1 point: disregarding a school crossing guard, traffic control devices, failing to yield, tailgating, driving below the speed limit, or between 1-9 miles over the speed limit.
• 2 points: multiple citations for a red light or stop sign violation, passing or failing to yield to emergency vehicles, and speeding between 10-19 mph over the limit
• 5 points: failure to report a crash, driving without insurance or a license, and speeding over 30 or more miles above the speed limit
• 6 points: reckless driving in any manner
• 8 points: DWI or failure to stop after an accident with damage to a vehicle or property
• 12 points: using a car without proper consent or stealing one, license, or registration fraud. or a DUI

So what happens when you accrue points? The MVA has laid out the following guidelines:

• 3 to 4 points: You will get a warning letter.
• 5 to 7 points: You will be required to enroll in a Driver Improvement Program (DIP).
• 8 to 11 points: You will get a notice of suspension from MVA
• 12 or more points: Your license will be revoked

Maryland’s Negligent Operator Treatment System uses points to punish traffic offenses. Minor violations receive 1 point, while serious offenses, such as driving under the influence (DUI) or stealing a vehicle, can result in up to 12 points.

Rules of the Road

There are rules of the road, no matter which state you reside in. Knowing what they are in Maryland could help you maintain a clean driving record and keep your car insurance rates low. Knowing the rules of the road can also help keep others around you safe, which is always a good thing.

Continue reading to discover how we can help you become a well-informed driver and how to keep yourself and your passengers safe on the highway.

No-Fault Vs. At-Fault

You already discovered that Maryland is a fault state, meaning that the driver who causes the accident will bear the brunt of the financial consequences.

The opposite end of the spectrum is a no-fault state, which is an:

Auto insurance system in which each driver’ own insurance company pays for certain losses, regardless of fault.

Whether you live in a fault state like Maryland or a no-fault state like Florida, certain laws cross state lines, like the laws that govern seatbelt use. Who is required to wear one and when may differ from state to state, though.

Seatbelt and Car Seat Laws

According to IIHS, all passengers 16 years or older in all seats must wear a seatbelt. The fine for being caught without one is $50. Any passenger 7 years old or younger who is less than 57 inches tall must be in a safety seat.

Children between the ages of 8 and 15 who are at least 57 inches tall must also wear a seatbelt. The penalty for failure to comply with this is also $50. Maryland’s safety belt law is a primary enforcement law, which means that a law enforcement officer can stop you and issue you a citation for it even if you have committed no other offenses.

Keep-Right and Move-Over

In addition to safety belt laws, Maryland has both a “keep-right” and a “move-over” law. The Keep Right Law in Maryland states that you must move to the right lane if you are traveling 10 mph under the speed limit or driving slower than the speed of traffic.

Maryland’s Move Over Law is designed to keep emergency personnel safe when they are operating on the side of the road. This law was recently expanded to include not only firetrucks, police cars, and ambulances, but also other emergency vehicles. The law now encompasses transportation service vehicles, utility vehicles, trash trucks, and recycling trucks.

Speed Limits

Maryland also has speed limits that vary by location. The maximum speed on the interstate or expressway in the Old Line State is 70 mph, and 55 mph on most other highways. Some specific speed limits are also as follows:

• 15 miles per hour in Baltimore County alleys
• 30 miles per hour in business districts
• 30 miles per hour on undivided highways in residential districts
• 35 miles per hour on divided highways in residential districts
• 50 miles per hour on undivided highways in non-residential districts and
• 55 miles per hour on divided highways in non-residential districts

Business and residential areas typically have a speed limit of between 30 and 35 mph; however, it is essential to be aware of your surroundings and watch for speed limit signs.

Ridesharing

Ridesharing is becoming a trendy way to get around nowadays. It is also a popular way for many people to earn some extra money on the side. Anyone wishing to engage in this endeavor should first familiarize themselves with the laws and insurance requirements.

Maryland’s official state website states that, unlike carpooling, ridesharing is not covered under your car insurance policy. The site goes on to say that:

Typically, you will need to purchase a commercial policy to have the appropriate coverage.

You should check with your provider about Maryland commercial auto insurance requirements before taking on your first paying passenger, at the very least, just to be safe. Ridesharing is not the only thing that is gaining popularity. The use of automation and crash avoidance technology is also on the rise. Read on to find out how this will impact your future.

Automation on the Road

Automation and crash avoidance technology have been proven to help reduce the number of crashes. From backup cameras to lane assist and automatic braking, the future of America’s roads is looking safer every day.

According to the IIHS, if passenger vehicles had been equipped with crash avoidance technology just a few years ago, nearly 55,000 injuries could have been prevented. Cash avoidance technology is not the only product on the market designed to keep Maryland residents safer while driving.

Currently, companies and organizations that wish to test their autonomous vehicles in the Old Line State must obtain a permit; however, at this rate, full automation might be more than a Science Fiction pipe dream.

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Safety Laws

Technology is not the only thing trying to keep Maryland Residents safe. The Old Line State has also enacted laws to help its residents, including laws addressing DWI, DUI, and distracted driving. There is a time and place for everything, and some things do not belong behind the wheel. Scroll down to find out what they are.

DUI and DWI Laws

Maryland distinguishes between a DUI and a DWI in its laws. A DUI in the Old Line State is not to be taken lightly either way. Get caught with a BAC of 0.08 and you will be at the legal limit.

Push it to 0.15, and you will be considered to have a high BAC. A DUI carries significant penalties. Here is how things break down by offense:

• First Offense could result in up to $1,000 in fines and up to one year in jail
• Second Offense could land you with a $2,00 fine and two years in prison, as well as 12 points on your license

Two convictions in two years could also see you wind up with a mandatory period of license suspension, followed by a minimum required period of participation in the Ignition Interlock Program.

• First Offense up to a $500 fine and two months of possible imprisonment, as well as eight points on your license. You will also face a six-month license suspension (or a year if you are under 21).
• Second Offense, up to a $500 fine and possible one-year imprisonment with eight points placed on your license. You will also face a license suspension of 9-12 months (or 2 years if you are under 21 years old).

You could also be required to take an alcohol abuse assessment and program. The penalties for DWI are no less harsh.

Distracted Driving

The Old Line State does not distinguish between how you are using the device, either. Texting is as bad as eating, so put the phone or hairbrush down to avoid the ticket or the fine. Maryland considers distractions as such:

• Texting
• Using a Smartphone
• Eating/Drinking
• Grooming
• Talking to Passengers
• Reading (Yes, even reading a map)
• Using a Navigation System
• Using Musical Devices

Texting while driving has become the norm for too many people, which is frightening considering its inherent danger. Maryland state law prohibits the use of a handheld phone while operating a motor vehicle.

Maryland’s Vehicle Theft Problem

Like all things in life, driving in Maryland has risks. These risks can often extend beyond the expected, such as distracted driving. Everything, from a sunset to an unsecured load or a sudden snowstorm, could present a road hazard.

Keep reading to learn the many ways that you can help avoid property loss, vehicle theft, or even driving fatalities. The number one stolen vehicle in the Old Line State is a 2003 Dodge Caravan.

Most Stolen Vehicles in Maryland

You may not own any of the vehicles on the list, but it’s still a good idea to have comprehensive car insurance to ensure you’re covered against theft, vandalism, or a natural disaster. Remember that thieves and Mother Nature are indiscriminate in their choice of victims. Deer and falling debris are also indiscriminate.

Vehicle Thefts by City

The data below was gathered from the FBI website and shows the top 10 cities in Maryland in terms of vehicle thefts.

Maryland Motor Vehicle Thefts by City

Looking at the table, it is easy to assume that Baltimore is a very dangerous city. The reality is that Baltimore’s sheer size means there are more people, thereby increasing the possibilities for crime, rather than actually having a high crime rate.

Still, it is not a bad idea to consider carrying additional coverage options beyond the minimum state requirements because you never know where you live.

Road Fatalities in Maryland

Maryland has continuous problems with lowering traffic deaths. Many of these accidents are linked to dangerous or avoidable actions when driving.

• 500+ traffic deaths occur annually across the state.
• Speeding is a contributing factor in over 30% of fatal crashes.
• Impaired driving accounts for more than 1 in 3 deaths.
• Pedestrians and cyclists make up around 25% of fatalities.
• Distracted driving is involved in nearly 40% of deadly incidents.

These numbers reveal a concerning trend: dangerous driving behaviors and vulnerable road users are significant contributors to Maryland’s traffic safety issues.

• Young drivers (ages 16–24) are overrepresented in fatal crashes.
• Nighttime and weekend hours are associated with the most deadly collisions.
• Rural roads have a higher fatality rate per mile traveled.
• Seatbelt use remains inconsistent, with nearly half of fatalities involving no restraint.
• The Baltimore metro area reports the state’s highest fatal crash numbers.

Ongoing advancement will need people to stay alert, rules to be followed, and better road designs in order to turn back the wave of avoidable deaths.

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#1 – Nationwide: Top Overall Pick

Pros

• Strong Financial Stability: Nationwide, the best car insurance in Maryland, has an A+ A.M. rating, which ensures customers receive claims efficiently.
• Multi-Policy Discount: Maryland drivers can save up to 20% on home, renters, or life insurance by bundling discounts.
• Vanishing Deductible Perk: Safe drivers in Maryland can cut their deductibles for up to $500 per year. Find out more in our Nationwide car insurance review.

Cons

• Higher Than Average Premiums: Nationwide’s premium rates can be too expensive for high-risk drivers or those with poor credit.
• Limited Availability: Nationwide’s policies and discounts may not be accessible in all Maryland ZIP codes.

#2 – Allstate: Best for UBI Savings

Pros

• Comprehensive Coverage Options: This offers accident forgiveness, new car replacement,  and rideshare insurance. Find out more in our Allstate car insurance review.
• Extensive Local Agent Network: With almost 10,000 agents across Maryland, policyholders benefit from personalized service and better claims support.
• Excellent Discounts & Rewards: Allstate, the best car insurance in Maryland, offers 10% off for bundling, and drivers can save up to 25% with Drivewise.

Cons

• Higher-Than-Average Premiums: Allstate’s rates may be higher than those of some competitors, raising concerns about affordability for customers.
• Mixed Customer Service Reviews: Some customers report slow claims processing and inconsistent support from agents.

#3 – Farmers: Best for Essential Discounts

Pros

• Extensive Discounts: Our Farmers’ car insurance reviews claim that the company offers discounts for bundling, safe driving, and good students, ensuring quality coverage at lower costs.
• Local Agent Network: Farmers, the best car insurance in Maryland, has a strong network of local agents who offer personalized service and expert guidance for claims.
• Customization Options: This policy offers extensive customization and add-ons, including new car replacement and accident forgiveness, for added protection.

Cons

• Higher Premiums: Farmers’ rates are often higher, which requires budget-conscious policyholders to compare prices if they don’t qualify for multiple discounts.
• Limited Digital Tools: Mobile apps and online tools often lack advanced features, making digital policy management less convenient.

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#4 – Liberty Mutual: Best for Hybrid Discounts

Pros

• Competitive Hybrid & EV Discounts: Offers a 25% discount for hybrid and electric vehicle owners in Maryland, lowering premiums for eco-conscious drivers.
•  Customizable Coverage: Offers accident forgiveness and new car replacement, enabling Maryland drivers to tailor their coverage.
• Convenient Mobile App: As one of the best car insurance companies in Maryland, Liberty Mutual’s mobile app allows easy policy management, 24/7 ID card access, and real-time claim updates.

Cons

• Higher Rates for Some Drivers: Liberty Mutual’s base rates may be higher than those of competitors, particularly for drivers with an accident history.
• Mixed Service Feedback: According to our Liberty Mutual car insurance reviews, some customers report inconsistent claims processing and support.

#5 – American Family Insurance: Best for Loyalty Rewards

Pros

• Exceptional Loyalty Rewards: American Family Insurance offers generous discounts to long-term policyholders, further enhancing the value of its best car insurance in Maryland.
• Competitive Bundling Discounts: Customers can save up to 25% by bundling auto insurance with home, renters, or life insurance.
• Strong Customer Support: Our American Family Insurance car insurance review has a well-rated claims process and dedicated local agents, ensuring reliable service.

Cons

• Limited Availability in Maryland: American Family has a smaller presence in Maryland compared to its competitors, which may result in less accessibility.
• Higher Premiums for Some Drivers: Base rates may be higher for new customers or those without a history of loyalty.

#6 – Progressive: Best for Customizable Premiums

Pros

• Competitive Pricing and Discounts: It offers some of the lowest rates for the best car insurance in Maryland, with discounts for safe driving and bundling policies.
• Safe Driving Discounts: According to our Progressive car insurance review, drivers with a clean record can reduce their premiums and customize their policy coverage.
• Strong Digital Experience: Progressive’s user-friendly website and mobile app make it easy to manage policies, file claims, and get support, all available 24/7.

Cons

• Higher Rates for High-Risk Drivers: In Maryland, high-risk drivers pay higher premiums, making coverage less affordable.
• Mixed Customer Reviews: Some customers report slow responses, despite filing claims online quickly.

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#7 – Travelers: Best for Discount Options

Pros

• Substantial Discount Opportunities: Provides discounts for safe driving, hybrid vehicles, and early quotes, making it an excellent choice for the best car insurance in Maryland.
• Flexible Coverage Options: Maryland customers can customize their policies to ensure the coverage that fits their lifestyle. See more in our Travelers car insurance review.
• High Financial Strength: The company maintains a strong financial position and enjoys a solid reputation for promptly settling claims, backed by an A++ rating from A.M. Best.

Cons

• Average Customer Satisfaction: Maryland drivers who often seek quick resolutions experience frustration due to mixed reports on customer service and claims handling.
• Higher Rates for High-Risk Drivers: High-risk drivers, such as those with a history of accidents or low credit scores, tend to pay higher premiums.

#8 – State Farm: Best for Young Drivers

Pros

• Attractive Rates for Young Drivers: Provides competitive pricing for young drivers seeking the best car insurance in Maryland. Find more in our State Farm car insurance review.
• Excellent Agent Support: A vast network of local agents ensures personalized service for Maryland drivers.
• Strong Financial Security: With an A++ rating from A.M. Best, State Farm guarantees reliable claims payouts, even during significant weather events.

Cons

• Higher Rates for High-Risk Drivers: Drivers who have been at fault in accidents may face higher premiums than other drivers.
• Limited Options for High-Mileage Drivers: State Farm does not offer pay-per-mile insurance, which can be less beneficial for drivers with low mileage.

#9 – Geico: Best for Technological Convenience

Pros

• Competitive Rates: It offers some of the lowest rates among the top car insurance providers in Maryland, making it an ideal choice for budget-conscious drivers.
• Strong Digital Experience: Easy access to policy management, claims, and roadside assistance through the mobile app and website.
• Wide Range of Discounts: Maryland drivers can enjoy discounts for safe driving, multi-policy bundling, and vehicle safety features. Read our Geico car insurance review to learn more.

Cons

• Higher Rates for High-Risk Drivers: Drivers with a history of accidents, violations, or poor credit may find more favorable pricing with other insurers.
• Limited Local Agent Support: Geico focuses on online and phone services, offering fewer in-person assistance options in Maryland.

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#10 – USAA: Best for Military Benefits

Pros

• Exclusive Military Benefits: USAA is the best car insurance in Maryland for military families, offering deployment discounts and accident forgiveness.
• Highly Competitive Rates: This company offers lower premiums than many of its competitors, making it an ideal choice for Maryland drivers with clean records or those who bundle policies.
• Exceptional Customer Service: It is known for excellent claims service, high customer satisfaction, and user-friendly digital tools for managing coverage and filing claims.

Cons

• Membership Restrictions: USAA is limited to military members, veterans, and their families, restricting access for the general public. Learn more in our USAA car insurance review.
• Limited Physical Locations: Maryland drivers may find USAA’s limited local branch network inconvenient, as most services are available online or by phone.

Best Car Insurance in Maryland That Aligns With State Laws

Choosing the best car insurance in Maryland means looking at more than just prices, you need to understand different coverage options, what the state requires by law, how strong and stable the insurer is financially, plus practical things like where you live (ZIP code), how far you drive to work or school and your driving history.

Maryland has its own set of risks, including busy cities with heavy traffic, such as Baltimore, and varying rates of car theft depending on the city. Therefore, having coverage tailored to your specific needs is crucial. All drivers are required to have at least the minimum liability insurance, but many find additional protections, such as uninsured motorist coverage, MedPay, or comprehensive endorsements, to be very useful.

These additions help protect against unexpected things such as accidents, weather-related damages, or theft. Also important is picking an insurer with a good record of handling complaints and claims efficiently, so you get dependable support when needed most.

Drivers who actively compare quotes, use safe-driver or bundling discounts, and maintain a clean driving and credit record can save a significant amount of money and receive better protection over time. Finding the best auto insurance in Maryland doesn’t have to be a challenge. Enter your ZIP code into our free comparison tool to find the lowest prices in your area.