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Car Insurance in Maryland: Rates, Minimums & How to Save (2026)
By ReliablePolicy Editorial Team
Maryland drivers pay about $3,053 a year for full coverage — roughly 13% above the national average. Maryland is an at-fault state that requires uninsured-motorist coverage on top of a 30/60/15 liability minimum. Here's the coverage you must carry, what Marylanders pay, and how to find a cheaper rate.
Avg. full coverage
$3,053/yr
≈13% above U.S. avg.
Avg. minimum coverage
$1,101/yr
≈31% above U.S. avg.
State minimum
30/60/15
+ UM required
Fault system
At-fault (tort)
At-fault driver pays
vs. U.S. average
+13%
Above national average
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Minimum coverage required in Maryland
| Coverage | Required limit | Notes |
|---|---|---|
| Bodily injury liability | $30k / $60k | Per person / per accident |
| Property damage liability | $15k | Required |
| Uninsured / underinsured motorist | $30k / $60k / $15k | Required in Maryland |
| Personal injury protection | Offered | Must be offered; can be waived in writing |
State-mandated minimum coverages. Source: Bankrate, “Minimum Car Insurance Coverage Requirements by State.” Verify current limits with your state insurance department.
Average Maryland premiums by coverage level
| Coverage level | Avg. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $3,053/yr | 13% above U.S. | Comp + collision included |
| Minimum coverage | $1,101/yr | 31% above U.S. | Includes required UM |
Source: Bankrate, “Car Insurance Rates by State” (2026). National averages: $2,697 full coverage / $841 minimum coverage. Independent market estimates, not quotes.
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Maryland estimated rates by driver profile (2026)
Estimates anchor each profile to Maryland's average full-coverage premium and apply national rate-increase multipliers from public data — not quotes from any carrier.
| Driver profile | Est. annual premium | vs. clean record | Basis |
|---|---|---|---|
| Clean record, 30–45 | ~$3,053/yr | Baseline | State full-coverage average |
| One at-fault accident | ~$4,366/yr | +43% | 3,053 × 1.43 (Bankrate avg) |
| Speeding ticket | ~$3,786/yr | +24% | 3,053 × 1.24 (Bankrate avg) |
| DUI on record | ~$5,740/yr | +88% | 3,053 × 1.88 (Bankrate avg) |
| Young driver (18–24) | ~$6,106/yr | ≈2× | Roughly double (Bankrate avg) |
| Poor credit score | ~$5,190/yr | +70% | 3,053 × 1.70 (Bankrate avg) |
Multipliers (national averages, full coverage): at-fault accident +43%, speeding +24%, DUI +88%, age 18–24 ≈ 2×, poor credit +70% (Bankrate). Actual premiums are set by carriers on your individual profile.
Maryland: what helps and what hurts your rate
In your favor
- ✓Higher 30/60/15 minimum plus required UM gives solid baseline protection
- ✓Large, competitive market with many carriers
- ✓PIP available for added medical protection if you keep it
- ✓Telematics and safe-driver discounts widely available
Works against you
- ✗Full-coverage premiums average about 13% above the national average
- ✗Baltimore–Washington corridor traffic and theft raise urban rates
- ✗Credit history is a permitted rating factor
- ✗Required UM raises the cost of a minimum policy
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A closer look at car insurance in Maryland
Maryland's required UM coverage and higher 30/60/15 minimum make its baseline policy more protective than bare-liability states — but they also lift its minimum cost above average. Urban density in the Baltimore–DC corridor is the biggest upward pressure on full coverage. With credit and ZIP code driving wide swings between carriers, comparison shopping is the most effective way to offset Maryland's higher baseline.
Bottom line
Maryland sits above the national average, with mandatory UM and a higher minimum adding both protection and cost. Comparing carriers and keeping credit healthy is the best way to land a competitive Maryland rate.
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Frequently asked questions about Maryland car insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier or government agency. Coverage requirements change — always confirm current minimums with your state insurance department. Rate figures shown are independent market estimates based on publicly available data (primarily Bankrate) and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile.
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