How much is car insurance in Maryland?
Full-coverage car insurance in Maryland averaged $1,602 a year in 2023 (NAIC)—11% above the $1,439 US average and 10th highest in the US—which works out to about $1,900 a year in Maryland today (about $160 a month, brought to August 2026 with the federal price index). In Maryland, the law asks for at least 30/60/15 liability, and Maryland's 2023 liability-only average—the closest NAIC figure to a minimum policy—was $869 (about $1,030 today).
What people pay in Maryland: 10th highest average in the US
Typical Maryland full-coverage price today
about $1,900 a year in Maryland (about $160 a month)
Maryland's 2023 NAIC full-coverage average ($1,602) adjusted +19% to August 2026 using the US motor-vehicle insurance price index; your Maryland rate depends on your car, driving history, and coverage limits.
That $1,602 2023 full-coverage figure makes Maryland the 10th most expensive of the 50 states and DC (against $1,439 nationally), with 54% going to liability ($869, 11th highest in the US) and 46% covering physical damage to your own vehicle. Across all insured vehicles in Maryland (including policies without collision or comprehensive), NAIC's 2023 average expenditure was $1,477 (8th highest in the US, about $1,750 today)—only 8% ($125) below Maryland's $1,602 full-coverage benchmark.
How Maryland compares with Delaware, District of Columbia, Pennsylvania, and 2 more bordering states
A typical policy in Maryland ($1,602 in 2023) costs more than in Delaware, Pennsylvania, Virginia, and West Virginia and less than in District of Columbia. Among Maryland's neighbors, West Virginia had the lowest 2023 average ($1,227, moving to Maryland is about $500 more a year) and District of Columbia had the highest ($1,818, moving to Maryland is about $290 less a year).
| State | 2023 average | Moving to Maryland from there |
|---|---|---|
| Maryland | $1,602 | Current state (Maryland) |
| Delaware | $1,569 | About the same |
| District of Columbia | $1,818 | About $290 less a year |
| Pennsylvania | $1,273 | About $440 more a year |
| Virginia | $1,238 | About $490 more a year |
| West Virginia | $1,227 | About $500 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Nevada ($1,600 in 2023, about $1,900 today), Michigan ($1,573 in 2023, about $1,860 today), Colorado ($1,655 in 2023, about $1,960 today), and South Carolina ($1,517 in 2023, about $1,800 today).
Maryland: 30/60/15 minimums, with PIP offered unless you reject it in writing
- Maryland liability (per person / per crash / property)
- $30,000 / $60,000 / $15,000
- Personal injury protection (PIP) in Maryland
- Included unless you decline in writing
- Medical payments in Maryland
- Not required
- No-fault system in Maryland
- No
- Uninsured motorist in Maryland
- Required
- Underinsured motorist in Maryland
- Required
Set by Md. Code, Transp. §17-103(b), Maryland's 30/60/15 minimum pays up to $30,000 per person and $60,000 per crash for injuries you cause to others, plus $15,000 for others' property—the legal floor in Maryland, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Maryland—the closest NAIC figure to what a Maryland minimum policy costs—averaged $869 in 2023 (about $1,030 in Maryland today), the 11th highest of the 50 states and DC. That makes liability 54% of Maryland's full-coverage average ($1,602), while the remaining 46% goes toward collision and comprehensive coverage for 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.
- History and recent checks
- 30/60/15 is current under Transp. §17-103. The legislature site shows new versions of Ins. §§19-509 and 19-510 taking effect June 30, 2029 (Ch. 514 of 2023). They cover electing enhanced underinsured coverage in place of standard uninsured motorist coverage. The minimum amounts don't change.
- Checked
- September 22, 2026
- Sources
- Md. Code, Transp. §17-103(b)
up to $30,000 for any one person and up to $60,000 for any two or more persons ... property of others ... up to $15,000
- Md. Code, Transp. §17-104
The owner of a motor vehicle that is required to be registered in this State shall maintain the required security for the vehicle during the registration period.
- Md. Code, Ins. §19-505
Unless waived in accordance with § 19-506 ... The minimum medical, hospital, and disability benefits ... shall include up to $2,500
- Md. Code, Ins. §19-506
the first named insured shall make an affirmative written waiver of those benefits
- Md. Code, Ins. §19-509
each motor vehicle liability insurance policy ... shall contain coverage ... from the owner or operator of an uninsured motor vehicle ... shall at least equal ... the amounts required by Title 17
- Md. Code, Ins. §19-510
shall make an affirmative written waiver of having uninsured motorist coverage in the same amount as the liability coverage
- Md. Code, Transp. §17-103(b)
Adding a 16-year-old driver in Maryland: about $1,250 more a year
Adding a 16-year-old to a Maryland policy
about $1,250 more a year
About $105 a month (+66% over a typical Maryland adult policy of $1,900), bringing the combined Maryland family policy to roughly $2,350–$4,150 a year.
On a separate Maryland policy of their own with the same car, a 16-year-old in Maryland would pay about $5,450 a year (roughly $4,150–$7,750), so sharing a parent's Maryland policy saves about $4,190 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Maryland's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Maryland
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 on a Maryland policy, versus about $1,890 more a year for the 2022 Tesla Model 3 at the top of Maryland's list.
| 2022 model | Added to a Maryland policy | Own Maryland policy |
|---|---|---|
| 2022 Subaru Forester | +$1,120 in Maryland | $4,860 in Maryland |
| 2022 Subaru Outback | +$1,120 in Maryland | $4,870 in Maryland |
| 2022 Subaru Crosstrek | +$1,130 in Maryland | $4,890 in Maryland |
| 2022 Honda CR-V | +$1,200 in Maryland | $5,230 in Maryland |
| 2022 Toyota RAV4 | +$1,220 in Maryland | $5,320 in Maryland |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Maryland
In Maryland, a 45-year-old with full coverage pays from about $1,980 a year for a 2024 Subaru Legacy to about $2,690 for a 2024 Chevrolet Camaro on these Maryland sample models.
| Car | 45-year-old in Maryland | Adding a teen in Maryland |
|---|---|---|
| 2024 Chevrolet Malibu | about $2,500 a year | +$1,650 a year |
| 2024 Chevrolet Trax | about $2,120 a year | +$1,400 a year |
| 2024 Buick Envista | about $2,140 a year | +$1,410 a year |
| 2024 Subaru Legacy | about $1,980 a year | +$1,300 a year |
| 2024 Kia Seltos | about $2,120 a year | +$1,400 a year |
| 2024 Hyundai Venue | about $2,230 a year | +$1,470 a year |
| 2024 Chevrolet Camaro | about $2,690 a year | +$1,780 a year |
| 2024 Toyota Prius Prime | about $1,990 a year | +$1,310 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Maryland
- How much is car insurance in Maryland?
- In Maryland, full-coverage car insurance averaged $1,602 a year in 2023 (the 10th most expensive of the 50 states and DC per NAIC), or about $1,900 a year ($160 a month) in Maryland as of August 2026. Maryland liability-only coverage averaged $869 in 2023 (54% of Maryland's full-coverage figure, or about $1,030 today), and Maryland drivers spent $1,477 per insured car across all policies.
- What are the minimum car insurance limits in Maryland?
- Under Md. Code, Transp. §17-103(b), Maryland requires 30/60/15 liability: $30,000 per person and $60,000 per crash for bodily injury, plus $15,000 for property damage. 30/60/15 is current under Transp. §17-103. The legislature site shows new versions of Ins. §§19-509 and 19-510 taking effect June 30, 2029 (Ch. 514 of 2023). They cover electing enhanced underinsured coverage in place of standard uninsured motorist coverage. The minimum amounts don't change.
- How much does adding a 16-year-old teen driver cost in Maryland?
- Adding a 16-year-old to a parent's full-coverage policy in Maryland adds about $1,250 more a year ($105 a month), bringing the Maryland household policy to roughly $2,350–$4,150 a year versus about $5,450 a year (roughly $4,150–$7,750) on a standalone Maryland teen policy.
- Is Maryland a no-fault car insurance state?
- No—Maryland follows fault-based crash rules, but Maryland insurers must offer or include personal injury protection (PIP) unless you reject it in writing. At least $2,500 for medical, hospital, and disability benefits, unless the policyholder signs a written waiver on the state's form.
- How does Maryland's car insurance cost compare with Delaware?
- Maryland averaged $1,602 for full coverage in 2023 (NAIC) against $1,569 in Delaware (2% more than Delaware), and moving a sample policy from Delaware to Maryland today is about the same. Other bordering states averaged $1,818 in District of Columbia, $1,273 in Pennsylvania, $1,238 in Virginia, and $1,227 in West Virginia in 2023.
Sources for Maryland
- Maryland average premiums ($1,602 full coverage, $869 liability-only, $1,477 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Maryland minimum coverage statutes (Md. Code, Transp. §17-103(b); Md. Code, Transp. §17-104; Md. Code, Ins. §19-505; Md. Code, Ins. §19-506; Md. Code, Ins. §19-509; Md. Code, Ins. §19-510), checked September 22, 2026. Page updated for Maryland. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.