10 Best Auto Insurance Companies in Maryland in 2025

Erie, AAA, and State Farm are the best auto insurance companies in Maryland for cost, roadside assistance, comprehensive auto insurance, and local presence. Maryland drivers must carry at least 30/60/15 liability coverage, but the best providers go beyond minimums.

Erie is the cheapest in the state at only $32 per month for minimum coverage, while AAA has good roadside service and full coverage from $122 monthly.

State Farm excels with its robust agent network and up to 25% off for safe drivers through Drive Safe & Save UBI.

Our Top 10 Picks: Best Auto Insurance Companies in Maryland

Motorists looking for the best MD car insurance can utilize this guide to compare top auto insurance companies in Maryland.

Explore your auto insurance options by entering your ZIP code into our free comparison tool today.

Maryland Auto Insurance Rates

The premium rate also differs significantly among Maryland’s best auto insurance providers. Erie is the cheapest for minimum coverage at $32 a month, and AAA is the cheapest for full coverage at $122. Allstate and Liberty Mutual are more than $300 for full coverage, so don’t think that one provider will always be cheaper.

Maryland Auto Insurance Monthly Rates by Coverage Level

These rates show why Maryland drivers should never assume one company is always the cheapest. Your driving history, vehicle, and eligibility for discounts can change the cheapest option. Compare multiple quotes to find the best auto insurance companies in Maryland for you.

What impacts auto insurance costs in Maryland? MD auto insurance is all about your driving record and age. Drivers with a clean record pay way less than those with a DUI or accident, and younger drivers pay the most due to inexperience.

High-Risk Auto Insurance Rates in Maryland

Your driving record has the biggest impact on insurance costs. One accident can increase rates by over $80 a month, and a DUI can more than double rates with companies like Liberty Mutual and Travelers. Safe driving keeps Maryland auto insurance cheap.

Maryland Auto Insurance Monthly Rates by Driving Record

These differences show how much a single ticket, accident, or DUI can raise monthly premiums in Maryland. Since insurers weigh violations differently, the cheapest option for one driver may not be the same for another.

Knowing how to get multiple auto insurance quotes ensures you find the best insurance companies in Maryland for your record.

Teen Auto Insurance Rates in Maryland

Age is another big factor in determining rates. 16-year-old drivers pay the most, with Travelers charging almost $1,000 a month. 45-year-old and older drivers pay way less, like $32 a month with Erie. Shopping around helps drivers offset age-related pricing differences.

Maryland Auto Insurance Monthly Rates by Age

Many insurers in Maryland ease the burden with discounts for good students, careful drivers, and families insuring more than one car.

Read More: Cheap Auto Insurance for Teens

Minimum Coverage Requirements in Maryland

Maryland law requires drivers to carry minimum liability coverage of $30,000 bodily injury per person, $60,000 bodily injury per accident, and $15,000 property damage to legally register and operate a vehicle. Drivers must also carry uninsured/underinsured motorist coverage (UM/UIM) with the same 30/60/15 limits to protect against drivers who have no insurance or insufficient coverage, including most hit-and-run crashes.

Personal injury protection (PIP) must be offered by all insurers, providing at least $2,500 in no-fault benefits for medical expenses and lost wages unless the driver signs a written waiver. Motorcycle policies are the only exception, as insurers are permitted to exclude PIP coverage under Maryland law.

Maryland Auto Coverage Options

Maryland auto policies start with a few core protections. Liability and UM/UIM cover injuries and damage after at-fault or uninsured crashes, while personal injury protection helps with immediate medical and wage losses. Add collision and comprehensive to protect your own vehicle, then layer in popular add-ons as your needs and budget allow.

• Liability: Pays others’ medical bills, lost wages, and property repairs when you’re at fault; includes legal defense. Does not cover your injuries or your car.
• Uninsured/Underinsured Motorist: Protects you/household/passengers when the at-fault driver has no or too little insurance (including many hit-and-runs). Typically matches your liability limits that cover injuries and, on some MD policies, property damage.
• Personal Injury Protection (PIP): Pays reasonable medical bills and a portion of lost wages for you and passengers, regardless of fault.
• Collision: Repairs or actual cash value of your vehicle after a crash with another car or object, regardless of fault. Deductible applies; often required by lenders/lessors.
• Comprehensive: Non-collision losses include theft, vandalism, fire, weather, falling objects, animal strikes, and glass breakage. Deductible applies; usually required on financed or leased vehicles.

Begin with the state-required coverages, then right-size your limits and deductibles. Keep collision/comprehensive for newer or financed cars; consider higher deductibles or liability-only on older vehicles.

How to Lower Auto Insurance Costs in Maryland

The best way to lower auto insurance in Maryland is to cash in on good driving habits. Safe and low-mileage drivers get the best car insurance in Maryland with usage-based insurance programs (UBI), such as State Farm Drive Safe & Save or Geico DriveEasy.

Safe drivers get the cheapest car insurance in MD, but even if you have a poor driving record, Maryland car insurance companies reward drivers with lower rates when they:

• Choose Minimum Coverage: Minimum liability policies have the cheapest rates, so consider adjusting coverage on older vehicles that no longer need full coverage policies.
• Improve Vehicle Security: Adding anti-theft devices or advanced safety features can help reduce auto insurance in Maryland by lowering the vehicle’s risk profile.
• Consider Carpooling: If you live in the DMV, you can reduce your risk and your rates by taking the Metro or carpooling to work in someone else’s vehicle.

Bundling policies, insuring multiple vehicles, and having a clean driving record are other ways to cut your monthly premium.

Available Auto Insurance Discounts in Maryland

Maryland drivers have many auto insurance discounts to choose from. Nationwide and Allstate offer the state’s most significant good driver discount at 40% off with UBI. Drivers should review all discounts with each company and compare various quotes to get the best auto insurance in Maryland.

Top Auto Insurance Discounts in Maryland

Multi-vehicle policies save up to 25% with Geico, Allstate, and Liberty Mutual, and combining auto and home insurance saves 25% with Erie, Geico, and Allstate.

Read More: 17 Car Insurance Discounts You Can’t Miss

Choosing the Best Insurer in Maryland

Finding the right auto insurance company in Maryland starts with more than just picking the cheapest rate. Comparing rates, coverage, discounts, and claims support helps ensure you get the protection and service you need at a fair price.

1. Match Coverage & Limits Across Quotes: Compare rates using the same liability limits, deductibles, and add-ons to ensure a fair comparison. Many Maryland drivers opt for higher-than-minimum 50/100/50 limits and match UM/UIM coverage for comprehensive protection.
2. Leverage Discounts & Telematics: Bundle auto insurance with home insurance, insure multiple vehicles, and enroll in usage-based programs like State Farm Drive Safe & Save or Progressive Snapshot to lower your premiums if you drive safely.
3. Review Service & Claims Support: Check local agent availability (Erie, State Farm) vs. digital tools (Geico, Progressive), and review J.D. Power satisfaction scores or NAIC complaint indexes to ensure strong claims handling.

Focus on matching coverage limits, stacking available discounts, and checking company reviews before buying. The best insurer for you is the one that balances cost, coverage, and reliable claims service for your specific driving needs.

Top 10 Auto Insurance Companies in Maryland

A few big players dominate the Maryland auto insurance market. The largest auto insurance companies in Maryland are Geico, with the largest share at 23%, followed by State Farm, Erie, Allstate, and Progressive.

Together, these five companies account for more than two-thirds of the market, consistently ranking them as the best car insurance companies in Maryland. The other 33% is split among smaller regional and national companies that may have competitive rates for specific driver profiles. Learn more in our auto insurance guide.

When shopping for the best auto insurance companies in Maryland, Erie car insurance in Maryland stands out with the best customer service and the cheapest minimum coverage. Enter your ZIP code to compare top Maryland insurance providers and find the right coverage for your needs.

#1 – Erie: Top Pick Overall

Pros

• The Best Support: Erie’s Maryland policyholders often praise its helpful local agents. Learn more in our Erie insurance review.
• Smooth Claims Process: Many Maryland drivers rank Erie highly for its quick, no-hassle claims process.
• Affordable Premiums: Erie is known for offering affordable car insurance in Maryland without skimping on protection.

Cons

• Limited Reach: Erie is strong in Maryland but not as widespread as other U.S. auto insurance companies, making relocation coverage harder.
• Digital Shortcomings: Erie’s online tools are more limited than those of other car insurance providers in Maryland.

#2 – AAA Insurance: Best for Roadside Assistance

Pros

• Emergency Coverage: AAA is highly rated in Reddit discussions as the best car insurance in Maryland due to its reliable roadside assistance.
• Member Perks: In addition to auto coverage, AAA policyholders enjoy discounts on hotels, retail, and travel, which distinguishes the company among the top 10 auto insurance companies in the USA.
• Bundling Options: AAA car insurance in Maryland allows homeowners to combine auto and property coverage, similar to the best home insurance companies in Maryland.

Cons

• Membership Costs: Unlike some of the cheapest car insurance providers in MD, AAA requires an annual membership fee.
• Digital Lag: As mentioned in our AAA auto insurance review, it lacks online claims management capabilities compared to other top car insurance providers in the state of Maryland.

#3 – State Farm: Best for Personalized Support

Pros

• Local Network: State Farm is regarded as one of the best insurers in Maryland, with its regional network of agents that understands local needs.
• Safe-Driver Rewards: Our State Farm auto insurance review found its Drive Safe & Save program helps drivers who drive carefully reduce their premiums.
• Excellent Mobile App: State Farm’s app streamlines the process of filing claims, checking policies, and receiving payments quickly.

Cons

• More Premiums: Geico’s full coverage will be pricier than Maryland’s insurer.
• Fewer Discounts: Geico’s multi-policy discounts are generally smaller than those of other providers.

#4 – Geico: Best for Good Drivers

Pros

• Exclusive Discounts: Federal employees, military personnel, and multi-policyholders in Maryland are eligible for specialized discounts.
• Affordable Rates: Geico is popular because it offers affordable auto insurance in Maryland, particularly for those with a good driving record.
• Tech-Driven Tools: Geico is one of the American auto insurance providers distinguished by its ease-of-use technology (Read More: Everything you need to know about Geico).

Cons

• Less Personal Interaction: Geico relies heavily on digital tools, offering fewer in-person agents compared to Erie or State Farm.
• Slower Complex Claims: Some drivers report slower resolutions for major accident claims compared to other car insurance providers.

#5 – Nationwide: Best for Multi-Policy Savings

Pros

• Extensive Bundling Discounts: Among the best home insurance companies in Maryland, Nationwide also delivers substantial auto-home savings.
• SmartRide Telematics: Our Nationwide auto insurance review highlights how Maryland Safe drivers can save up to 40% with SmartRide, making Nationwide a cost-friendly choice.
• Annual Coverage Reviews: Nationwide offers “On Your Side” reviews to optimize coverage, a benefit often overlooked by other insurers.

Cons

• Higher Rates for Risky Drivers: Nationwide is not among the most affordable car insurance options in MD for drivers with accidents or violations.
• Claims Speed Variability: Some customers report slower responses compared to faster competitors, such as Erie.

#6 – Farmers Insurance: Best for Discount Options

Pros

• Unique Coverage Add-Ons: Farmers stands out in Maryland with offerings like rideshare coverage and new car replacement.
• Diverse Discounts: Our guide to everything you need to know about Farmers, which reviews its available discounts, including good student and safe driver, making it one of the top MD insurance companies.
• Strong Policy Flexibility: Farmers provides customizable coverage for Maryland drivers seeking tailored protection.

Cons

• Above-Average Premiums: Rates are often higher than those of competitors for the most affordable car insurance in MD.
• Complex Policy Choices: A wide selection of coverages can be overwhelming for first-time buyers.

#7 – Travelers: Best for Eco-Friendly Vehicles

Pros

• Eco-Friendly Discounts: Travelers supports green drivers by rewarding hybrid and electric car ownership in Maryland.
• Comprehensive Protection: Offers valuable add-ons, including gap insurance, rental car coverage, and accident forgiveness.
• Travel-Oriented Coverage: As mentioned in our Travelers auto insurance review, they provide strong perks for drivers who rent cars or travel frequently, adding convenience.

Cons

• Smaller Agent Network: Compared to the best car insurance providers in Maryland, Travelers has fewer local representatives.
• Higher Young Driver Rates: Often more expensive for Maryland drivers under 25.

#8 – Allstate: Best for Usage-Based Insurance

Pros

• Drivewise Program: Usage-based telematics rewards safe driving with discounts, making it a tech-forward option in Maryland.
• Wide Coverage Options: Includes sound system insurance and accident forgiveness, popular among Maryland drivers with upgraded vehicles.
• Deductible Rewards Program: Allstate reduces collision deductibles by $100 every claim-free year, up to $500. Learn more about this in our Allstate insurance review.

Cons

• Higher Rates: Allstate’s policies cost more than lower-cost car insurance options in Maryland.
• Limited Low-Mileage Savings: Unlike Geico or Nationwide, Allstate offers fewer low-mileage driver discounts in Maryland.

#9 – Liberty Mutual: Best for Customizable Policies

Pros

• Flexible Plans: Liberty Mutual allows Maryland drivers to customize their coverage, which ranges from liability-only to comprehensive.
• Generous Add-Ons: Includes accident forgiveness and new car replacement, appealing to Maryland’s family drivers.
• Multiple Discounts: Our Liberty Mutual insurance review highlights their significant savings for students, military families, and eco-friendly drivers.

Cons

• Higher Costs: Premiums can be steeper compared to the cheapest car insurance providers in Maryland.
• Claims Delays: Some customers report slower claim resolutions compared to rivals like Geico or Erie.

#10 – Progressive: Best for High-Risk Drivers

Pros

• High-Risk Coverage: Progressive offers auto insurance for high-risk drivers in Maryland that other insurers often decline.
• Snapshot Telematics: Progressive rewards safe drivers with lower rates, making it competitive in the best car insurance comparisons in Maryland.
• Budget-Friendly Pricing Tool: Its Name Your Price® feature helps drivers match coverage with their budget (Learn More: Everything You Need to Know About Progressive Insurance.

Cons

• Less Competitive for Perfect Records: This is not the cheapest option for drivers with an excellent driving history.
• Limited In-Person Service: Relies more on online tools than local Maryland agents.