The best cheap car insurance in Maryland

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Car insurance is expensive for Maryland drivers. Maryland ranks as the tenth-most expensive state for car insurance with the average driver paying $1,149 annually, according to the Insurance Information Institute. But, that's not to say that there aren't still some ways to save if you're willing to put in a few minutes of work. 

Shopping around for coverage is the best way to make sure you're getting the best price for you. Your premium, or the amount you'll pay for auto insurance coverage, depends on several factors, including things like your credit score, the type of car you drive, how many years of driving experience you have, and even where you live in Maryland. 

Every company weighs these factors differently, so getting quotes from different companies and comparing them is the best way to find the most affordable policy for you.  

The most popular car insurance companies in Maryland 

The following are the most popular car insurance companies in Maryland, based on the percentage of insured Maryland drivers who use them:

CompanyMarket share (%)
GEICO24.92
State Farm17.23
Allstate11.8
USAA*8.88
Erie Insurance8.11
Progressive7.60
Nationwide5.77
Liberty Mutual3.20
Travelers1.89
Maryland Automobile Ins Fund1.40
Agency Insurance Co. of MD1.02
The Hartford0.89
Farmers Insurance0.63
CSAA Insurance Exchange0.54
State Auto0.52
Elephant Insurance0.51
Amica0.49
MetLife0.49
National General Holdings0.40
Donegal0.40

*USAA is only for active military, veterans, and their families.

Data from S&P Global Market Intelligence

The best car insurance in Maryland based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the Mid-Atlantic region (which includes Maryland):

  1. Farm Bureau Insurance TN
  2. Erie Insurance
  3. Alfa Insurance
  4. GEICO
  5. Auto-Owners Insurance
  6. North Carolina Farm Bureau
  7. Kentucky Farm Bureau
  8. Region Average
  9. Progressive
  10. Allstate 
  11. Safeco
  12. State Farm
  13. Farmers
  14. National General
  15. Nationwide
  16. Travelers
  17. Liberty Mutual
  18. MetLife

The best cheap car insurance in Maryland based on credit score

Consumer Reports compiled a list of all car insurance pricing formulas from all companies in every state. It used an average single adult driver to find the best pricing in each state, and found that three companies came out on top for three different credit levels. Here are the three best companies and their average price for coverage:

Drivers with excellent credit, FICO score 800-850, will see some of the best average rates on car insurance.

  • USAA car insurance: $633 per year
  • Erie Insurance car insurance: $962 per year
  • State Farm car insurance: $1,130 per year

Drivers with good credit, FICO score 670-739, will see the best coverage from these three companies, on average:

  • USAA car insurance: $817 per year
  • Erie Insurance car insurance: $1,025 per year
  • State Farm car insurance: $1,431 per year

Those with poor credit, FICO score 300-579, will pay more for their car insurance, on average.

  • Erie Insurance car insurance: $1,802 per year
  • USAA car insurance: $1,891 per year
  • GEICO car insurance: $2,055 per year

The best car insurance for drivers with a clean record

For a driver in Maryland age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
Travelers$156
Root$162
State Farm$171
GEICO$174
Nationwide$188
USAA*$189
Progressive$193
Allstate$205
Liberty Mutual$210
Safeco$250
Esurance$259

*USAA is only for active military, veterans, and their families.

Above data obtained from Savvy, based on 1,624 policyholders in the state of Maryland 

Best car insurance for one or more accidents on record

For a driver in Maryland age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
GEICO$189
Allstate$219
Progressive$243
Esurance$288

Above data obtained from Savvy, based on 1,624 policyholders in the state of Maryland 

Maryland car insurance rates by city

Below is the estimated average annual premium of auto insurance policies per household in Maryland's most populous cities:

CityAverage annual insurance premium 
Baltimore$1,335
Columbia$1,605
Germantown$1,564
Silver Spring$1,448
Ellicott City$1,678
Waldorf$1,574
Frederick$1,470
Glen Burnie$1,451
Gaithersburg$1,512
Rockville$1,561
Bethesda$1,675
Dundalk$1,365
Towson$1,496
Bowie$1,647
Wheaton$1,493
Aspen Hill$1,524
Severn$1,618
Bel Air South$1,567
North Bethesda$1,586
Potomac$1,766
Odenton$1,592
Catonsville$1,547
Annapolis$1,486
Hagerstown$1,249
Essex$1,383
Severna Park$1,726
Woodlawn$1,454
Clinton$1,631
Olney$1,698
Owings Mills$1,485
Montgomery Village$1,495
Salisbury$1,270
Randallstown$1,536
College Park$1,389
Chillum$1,421
Pikesville$1,517
Bel Air North$1,624
Eldersburg$1,684
Carney$1,415
Pasadena$1,622

Data from S&P Global Market Intelligence

Who gets the best cheap car insurance in Maryland?

As the data above shows, your credit score is one of the bigger influences on the price you'll pay for coverage. But, there are many other factors that play into your premium, too. With every company considering them differently, it's critical to shop around. 

If you want to get the best rate for you, you'll need to start by getting quotes from several different insurance companies. Once you have a few different quotes, you'll want to compare them and look for the policy that gives you the most coverage for your money by giving the most coverage types and the highest limits. Also look at the deductible, or the amount you'll pay out-of-pocket if you get into an accident. 

The driver who gets the best deal in Maryland is the one who shops around for their coverage. Compare quotes and look beyond the premium to find the best-priced coverage for you. 

Ronda Lee is an associate editor for insurance at Personal Finance Insider covering life, auto, homeowners, and renters insurance for consumers. She is also a licensed attorney who practiced litigation and insurance defense.

Business Insider may receive a commission from Media Alpha when you click on auto insurance quotes, but our reporting and recommendations are always independent and objective.

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