Car insurance in Maryland costs more than most states.

The average driver here pays $1,602/year — 11% above the national average, and higher than 41 of 50 other states.

$1,602

avg full coverage
per year

All 51 states by costYou're here ↓

$926 · Maine$1,994 · Florida

● Maryland is in the 80th percentile nationally

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$1,602 /yr

Maryland average · full coverage · clean record

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What affects your rate in Maryland

Maryland restricts how insurers may use credit information for auto policies (it cannot be the sole basis for a rate increase or non-renewal).

How Maryland compares

Average full-coverage premium per year
Benchmark	Per year
Maryland	$1,602
National average	$1,438
Most expensive — Florida	$1,994
Cheapest — Maine	$926

Source: NAIC 2022/2023 Auto Insurance Database Report (combined average premium per insured vehicle, 2023 data, released February 2026).

About this estimate. The base figure is the NAIC combined average premium for Maryland (liability + collision + comprehensive, 2023). The calculator applies published industry multipliers (age, credit, record, coverage) from secondary sources (Bankrate / ValuePenguin modeled rates) and is an estimate for informational purposes only — not an insurance quote or offer. Credit-tier adjustments are not applied in states that ban credit-based insurance scoring (California, Hawaii, Massachusetts, Michigan).