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
| 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).
Frequently asked questions
How much does car insurance cost in Maryland?
The average driver in Maryland pays about $1,602 per year — roughly $134 a month — for full-coverage car insurance, according to the NAIC 2023 Auto Insurance Database Report. State-minimum coverage typically costs much less.
Is car insurance more expensive in Maryland than the U.S. average?
Yes. At $1,602 per year, Maryland is about 11% above the national average of $1,438. That ranks it 10th out of 51 states and D.C. by cost.
Why is car insurance more expensive 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).
Does Maryland use your credit score to set car insurance rates?
Yes. Like most states, Maryland lets insurers use credit-based insurance scores, so a stronger credit tier can lower your rate. Only four states (California, Hawaii, Massachusetts, Michigan) ban it.
How can I lower my car insurance in Maryland?
Compare quotes from several insurers, raise your deductible, bundle auto with home or renters, and keep a clean driving record. For the same driver, premiums in Maryland can differ by hundreds of dollars between companies, so shopping around is the biggest lever.
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). See our full methodology.