McKayla Girardin, Car Insurance Writer
@mckayla_girardin
No, car insurance in Maryland is not cheaper than in Texas. Texas car insurance rates are an average of $431 per year cheaper than Maryland, in part because Texas is typically less risky for drivers due to lower rate of car accidents and weather-related vehicle damage.
Average Monthly Cost of Car Insurance in Maryland vs. Texas
Category | Maryland | Texas |
Good Drivers | $177 per month | $141 per month |
Full Coverage Policy | $417 per month | $445 per month |
Young Drivers (16 to 19-year-olds) | $292 per month | $239 per month |
Older Drivers (55 to 65- year-olds) | $87 per month | $64 per month |
High-Risk Drivers | $154 per month | $102 per month |
Best Company Overall | The General | The General |
Note: Rates are an approximation based on a driver with minimum coverage. The "high-risk" category represents a driver with a DUI on their record. Where not noted, the driver is assumed to be a 45-year-old man. Actual rates will vary.
Drivers in Maryland can still find cheap car insurance rates by comparing quotes from several different insurers regularly, taking advantage of available discounts, and having safe driving habits.
To learn more, check out WalletHub's picks for the cheapest car insurance companies in Maryland and Texas.
McKayla Girardin, Car Insurance Writer
@mckayla_girardin
No, car insurance in Maryland is not cheaper than in Texas. Texas car insurance rates are an average of $431 per year cheaper than Maryland in part because Texas is typically less risky for drivers due to lower rate of car accidents and weather-related vehicle damage.
Average Monthly Cost of Car Insurance in Maryland vs. Texas
| Category | Maryland | Texas |
| Good Drivers | $177 per month | $141 per month |
| Full Coverage Policy | $417 per month | $445 per month |
| Young Drivers (16 to 19-year-olds) | $292 per month | $239 per month |
| Older Drivers (55 to 65-year-olds) | $87 per month | $64 per month |
| High-Risk Drivers | $154 per month | $102 per month |
| Best Company Overall |
Note: Rates are an approximation based on a driver with minimum coverage. The “high-risk” category represents a driver with a DUI on their record. Where not noted, the driver is assumed to be a 45-year-old man. Actual rates will vary.
Drivers in Maryland can still find cheap car insurance rates by comparing quotes from several different insurers regularly, taking advantage of available discounts, and having safe driving habits.
To learn more, check out WalletHub’s picks for the cheapest car insurance companies in Maryland and Texas.
People also ask
Why is Maryland car insurance so expensive?
Car insurance in Maryland is expensive because minimum liability requirements are so high and both personal injury protection and uninsured motorist coverage are required. In Maryland, you can expect to pay around $5,003 per year for full coverage car insurance, compared to the national average of $4,211 per year. Car insurance in Maryland is more expensive than the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.
The cost of car insurance is steadily...
read full answerHow can I get cheaper car insurance?
The best way to get cheaper car insurance is to compare quotes from multiple companies and then switch to whichever insurer offers the coverage you want at the cheapest rate. Other ways to get cheaper car insurance include taking advantage of discounts, improving your driving record, and raising your credit score.
10 Ways to Get Cheaper Car Insurance
1. Compare quotes every 6-12 months.
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read full answerWhy is my car insurance so high?
Common reasons for high car insurance costs include your driving record, age, coverage options, where you live, the car you drive, your credit history or not taking advantage of discounts. The average car insurance premium has also become more expensive as it increased by more than 50% in the past 10 years.
8 Reasons Why Your Car Insurance Is So Expensive
1. You Have a Poor Driving Record
Your driving record is probably...
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