Auto Insurance in Maryland — Average Cost 2026
Average auto insurance in Maryland: $1,950/year ($163/month). Maryland ranks #38 out of 51 states — above the national average.
Average annual
$1,950
Average monthly
$163
National rank
#38
of 51 states
vs national avg
+9.6%
Maryland vs national average
Get your personalized estimate
State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Auto insurance in Maryland
Maryland sits 10% above the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Maryland tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Maryland drivers hundreds of dollars annually.