Best Cheap Car Insurance Companies in Maryland by Category

Best for Good Drivers: Travelers
Best for Minimum Coverage: Erie
Best for Drivers with One At-Fault Crash: Erie
Best after a DUI: State Farm
Best after a Ticket: Erie
Best for Drivers with Poor Credit: Geico

Cheapest Car Insurance in Maryland by Category

To find the cheapest car insurance companies in Maryland for major groups of drivers, WalletHub analyzed quotes from all major insurance companies for several driver profiles.

Cheapest Car Insurance in MD for Good Drivers

Travelers

Erie

USAA

Drivers with tickets, claims, and accidents naturally pay more for car insurance than drivers with a clean record, but that doesn’t mean good drivers can afford to skip comparing quotes. Even if the only thing insurance companies took into consideration was your driving record (and it’s not), each company still wouldn’t be able to offer the exact same price. Good drivers will still get a range of rates when shopping around, so we analyzed quotes to see which companies have the cheapest rates for drivers in this category.

Cheapest Car Insurance in MD for Minimum Coverage

Erie

Geico

State Farm

Drivers in Maryland must have at least $30,000 in bodily injury liability insurance per person ($60,000 per accident) and $15,000 in property damage liability insurance. Maryland also requires uninsured motorist coverage and personal injury protection.

Cheapest Car Insurance in MD for Drivers with One At-Fault Crash

Erie

USAA

State Farm

Insurance companies operate on the belief that drivers who have recently filed a claim are more likely to do so again in the future, so they charge drivers more for coverage after an accident. Maryland residents who have filed a claim in the past three to five years should compare rates from at least a few different companies to find the most affordable prices.

Cheapest Car Insurance in MD After a DUI

State Farm

Allstate

USAA

In Maryland, drivers pay about 51% more for car insurance after a DUI, on average. Cheap car insurance isn’t easy to find as a high-risk driver, so you’ll have to compare quotes from multiple companies to find the lowest possible rates.

Cheapest Car Insurance in MD After a Ticket

Erie

Geico

Nationwide

Even one speeding ticket can increase the cost of car insurance, making it important to shop around for saving opportunities. To simplify the process and find the cheapest companies, WalletHub analyzed quotes for drivers with a ticket.

Cheapest Car Insurance in MD for Drivers with Poor Credit

Geico

Erie

USAA

Car insurance companies usually charge people with poor credit more than those with good credit, so Maryland drivers with bad credit should shop around to make sure they aren’t overpaying. With that in mind, WalletHub analyzed quotes and found the cheapest companies for Maryland drivers with poor credit. If you don’t know what your score is, you can check your latest credit score for free on WalletHub.

How to Get Cheap Car Insurance in Maryland

Compare quotes from both national and regional insurers. Don’t forget to include local insurance companies in your search for cheap car insurance. In Maryland, regional insurers like Erie Insurance and The Hartford might have lower rates than national companies like Geico and State Farm and have comparable customer satisfaction ratings.
Know the factors affecting insurance in Maryland. Everyone knows that your driving habits and claims history affect how much you pay for car insurance. But in Maryland, companies can also consider your age, gender, credit history, marital status, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your control all impact the price of insurance.
Maintain coverage. You’ll see higher rates if you let your insurance lapse, even if you don’t own a car. Maryland drivers who don’t maintain continuous coverage pay an average of 17% more than those with five or more years of insurance history.
Choose coverage that is right for you. You need liability insurance to pay for the other driver’s expenses if you’re at fault in an accident in Maryland. But collision and comprehensive coverage are optional and may be unnecessary if you own an older car, and going with a higher deductible or lower coverage limits costs less, too. Don’t skimp on the coverage you need. But do make informed choices so you don’t pay more than you have to.
Search for discounts. Top car insurance companies in Maryland have a variety of discounts, so almost anyone can find ways to save. You may be able to get a discount if you’re a student, veteran, good driver, homeowner, willing to go paperless, and more.
Stay in less expensive zip codes. Car insurance prices can vary a lot based on zip code in Maryland. On average, drivers in the most expensive parts of Maryland spend around $2,000 more per year on car insurance than those living in the least expensive areas.
Try usage-based insurance. Low-mileage Maryland drivers can usually save with usage-based insurance. If you’re comfortable letting your insurance company monitor your actual driving using your smartphone or another electronic device, you could potentially save a lot.

Methodology

WalletHub examined quotes from all major car insurance companies for several driver profiles, using multiple sources. By getting quotes for multiple driver profiles, WalletHub ensured a diverse sample. Below you can find the categories we considered and the values for each. Quotes were not collected for all the permutations between these categories/values.

Category	Values
Gender	Men, Women
Age	18, 25, 35, 40, 50, 60
Marital Status	Single, Married
Family	No children, One teenage child (driving age)
Driving Record	No violations, One at-fault accident, One ticket
Car	Toyota Camry or comparable sedan
Credit History	Good credit, Poor credit