Car insurance in Maryland
Drivers in Maryland paid $1,602 a year for full coverage in 2023, 11% above the national average. With prices up since, figure on about $1,900 today. In Maryland, the law asks for at least 30/60/15 liability.
What people pay in Maryland
A typical yearly price today
about $1,900 a year (about $160 a month)
Maryland's average full-coverage cost in 2023 was $1,602, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,900.
That makes Maryland the 10th most expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Maryland next to its neighbors
A typical policy in Maryland costs more than in Delaware, Pennsylvania, Virginia, and West Virginia and less than in District of Columbia.
| State | Typical price, 2023 | Moving to Maryland from there |
|---|---|---|
| Maryland | $1,602 | Not a move |
| Delaware | $1,569 | About the same |
| District of Columbia | $1,818 | About $290 less a year |
| Pennsylvania | $1,273 | About $450 more a year |
| Virginia | $1,238 | About $500 more a year |
| West Virginia | $1,227 | About $510 more a year |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Maryland's law asks for
- Liability (per person / per crash / property)
- $30,000 / $60,000 / $15,000
- Personal injury protection (PIP)
- Included unless you decline in writing
- Medical payments
- Not required
- No-fault
- No
- Uninsured motorist
- Required
- Underinsured motorist
- Required
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $869 in Maryland in 2023 (about $1,030 today, brought up the same rough way), the 11th highest of the 50 states and DC. That's about 54% of the full-coverage price; the rest pays to fix or replace your own car.
Maryland requires at least $30,000 per person and $60,000 per crash for injuries, plus $15,000 for property damage. Your policy also includes $2,500 of personal injury protection unless you waive it in writing. Uninsured motorist coverage, which also covers underinsured drivers, can't be dropped.
What we couldn’t confirm: It isn't marked as a no-fault state because Maryland PIP pays regardless of fault but no statute we found limits lawsuits (it is add-on PIP). We didn't retrieve a statute on that point. Medical payments coverage is marked not required because no statute we found requires it.
- Personal injury protection
- At least $2,500 for medical, hospital, and disability benefits, unless the policyholder signs a written waiver on the state's form.
- Uninsured and underinsured motorist
- You can't drop uninsured motorist coverage. Maryland counts a driver whose limits are lower than yours as uninsured, so it also covers underinsured drivers. The minimum is $30,000/$60,000 for injuries and $15,000 for property damage. On a personal policy it matches your liability limits unless you sign a written waiver, and the waiver only lets you go down toward the minimum, not remove it. "Enhanced" underinsured coverage is available as an option.
- Checked
- September 22, 2026
A new teen driver in Maryland
Adding a 16-year-old to a typical policy
about $1,250 more a year
About $105 a month, on one average car with full coverage. The whole policy with the teen: roughly $2,350–$4,150 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $5,450 a year in Maryland (roughly $4,150–$7,750).
What adding a teen costs comes from California's published prices, so the range is wide, and Maryland may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
In Maryland, the 2022 Subaru Forester and Outback come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $1,120 more a year. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,890 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$1,120 a year | $4,860 a year |
| 2022 Subaru Outback | +$1,120 a year | $4,870 a year |
| 2022 Subaru Crosstrek | +$1,130 a year | $4,890 a year |
| 2022 Honda CR-V | +$1,200 a year | $5,230 a year |
| 2022 Toyota RAV4 | +$1,220 a year | $5,320 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Maryland (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Maryland's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.