How much is auto insurance in maryland

Auto insurance rates in Maryland can vary widely depending on several factors. The average cost of auto insurance in the state is around $1,100 to $1,300 per year, but this can be significantly higher or lower based on individual circumstances.

Let’s delve into the various factors that impact auto insurance rates in Maryland.

Factors Affecting Auto Insurance Rates in Maryland

Driving Record: One of the most significant factors affecting insurance rates is your driving record. If you have a history of accidents or traffic violations, you’re likely to pay more for insurance.

Age and Gender: Younger drivers, especially teenagers, typically have higher insurance rates due to their lack of experience. Gender can also play a role, as statistics show that male drivers under 25 tend to have more accidents than their female counterparts.

Vehicle Type: The make, model, and age of your vehicle also impact insurance rates. Newer, more expensive cars generally cost more to insure than older, more affordable ones.

Coverage Levels: The amount of coverage you choose affects your premiums. Full coverage with comprehensive and collision insurance will cost more than basic liability coverage.

Location: Where you live in Maryland can influence your insurance rates. Urban areas with higher rates of accidents and thefts may have higher premiums.

Credit Score: In some states, including Maryland, insurance companies may consider your credit score when determining rates. A higher credit score can result in lower premiums.

Annual Mileage: How much you drive annually can also impact your insurance costs. The more you drive, the higher your chances of being involved in an accident.

Deductibles: Choosing a higher deductible can lower your premiums, but it also means you’ll pay more out of pocket in the event of a claim.

Minimum Auto Insurance Requirements in Maryland

Maryland law requires drivers to carry minimum liability insurance coverage, which includes:

  • $30,000 bodily injury per person
  • $60,000 bodily injury per accident
  • $15,000 property damage per accident

However, these are just the minimum requirements, and most drivers opt for higher coverage levels to protect themselves financially in case of an accident.

Ways to Save on Auto Insurance

Bundle Policies: Many insurance companies offer discounts if you bundle your auto insurance with other policies like homeowners or renters insurance.

Safe Driving Programs: Completing safe driving courses or programs can often result in discounts on your insurance premiums.

Anti-Theft Devices: Installing anti-theft devices in your vehicle can lower the risk of theft, leading to lower insurance rates.

Good Student Discounts: If you’re a student with good grades, you may qualify for discounts on your auto insurance.

Shop Around: It’s essential to compare quotes from multiple insurance companies to ensure you’re getting the best rate possible.


Auto insurance rates in Maryland are influenced by a variety of factors, including driving record, age, vehicle type, coverage levels, location, credit score, annual mileage, and deductibles. Understanding these factors and taking steps to mitigate risks and qualify for discounts can help you save money on your auto insurance premiums. It’s important to review your coverage regularly and shop around to ensure you’re getting the best deal for your needs.

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