What Maryland drivers actually pay for car insurance, from the National Association of Insurance Commissioners’ 2024 Auto Insurance Database (published September 2026) — plus the 30/60/15 minimums, the enhanced underinsured-motorist default, and why contributory negligence makes coverage choices matter at #12.
133
Maryland at a glance
The figures below are the NAIC’s combined average premium for Maryland — the average cost of a policy carrying liability, collision, and comprehensive coverage, 2024 calendar year, published September 2026.
Average car insurance premium · Maryland$1,768/yr~$147 a month · #12 of 51 states (1 = priciest) · 110% of the US average
$1,768/yrAverage annual premium (NAIC 2024)
$147/moMonthly equivalent
110%Of the national average
#12 of 51Price rank (1 = priciest)
Maryland$1,768/yrMaryland average · ~$147/mo
+$155/yrvs national average
National average$1,613/yrAll 50 states + DC
Maryland vs the country
Maryland · your state$1,768/yr
Delaware · neighbor$1,746/yr
United States average$1,613/yr
Maine · cheapest state$1,000/yr
How it works: figures are the NAIC’s state combined average premiums — liability + collision + comprehensive written premiums divided by liability written car-years, 2024 calendar year, published September 2026. Monthly = annual ÷ 12. Rank is out of all 50 states + DC, priciest first. These are premiums paid, averaged across coverage amounts and driver profiles — a quote for your specific car, record, and ZIP will differ. Nothing you type leaves your device.
How this number is measured
The $1,768 figure isn’t a quote — it’s what Maryland drivers actually paid on average for policies carrying liability, collision, and comprehensive coverage. The NAIC compiles written premiums from every insurer and divides by insured car-years, so the number reflects real policies, not advertised rates.
What the typical Maryland driver pays per year: $1,768.
Monthly equivalent
annual ÷ 12
The monthly budget figure: about $147.
Index vs US average
state avg ÷ $1,613 × 100
Maryland sits at 110% of the national average — 10 points above the typical state.
Price rank
sorted, priciest first
Maryland is #12 of 51 — the twelfth most expensive state, $407 behind Florida at the top.
3 things Maryland drivers should know
Maryland requires 30/60/15 — $30,000 bodily injury per person, $60,000 per accident, $15,000 property damage (Transp. §17-103) — plus the same 30/60/15 in uninsured/underinsured motorist coverage. Insurers must also offer at least $2,500 of PIP; you can waive PIP in writing, but the savings are small for what you give up — and a waiver doesn’t cover your passengers.
Since July 1, 2024, new private-passenger policies default to enhanced underinsured motorist coverage (EUIM) — it pays on top of the at-fault driver’s payment with no dollar-for-dollar offset, while standard UM is reduced by whatever the other driver’s insurer already paid. You can opt out in writing, so check your declarations page before you do.
Maryland is a tort (at-fault) state and one of only five U.S. jurisdictions still using pure contributory negligence — found even 1% at fault in a crash and you can be barred from recovering damages at all. That’s why uninsured-motorist coverage matters here: roughly 16.9% of drivers are uninsured (Insurance Research Council, 2023 data), and Maryland permits credit-based insurance scoring, so a clean record and solid credit directly protect your rate.
Who uses this page
Movers: budgeting a move to the Baltimore/DC corridor — is ~$147 a month about right for your car insurance?
Drivers: checking whether the renewal quote you just got is anywhere near the state average.
New residents: learning what tort plus contributory negligence means after moving in from a no-fault state — and what the 30/60/15 minimums actually buy.
Researchers & students: the NAIC figures are public statistics — cite them with the block below.
Accuracy & limitations
These are 2024-calendar-year averages published in September 2026 — the freshest official data available. Your 2026 quote will differ by ZIP code (Baltimore city vs. suburban Howard or Montgomery County is a different universe), vehicle, driving record, coverage limits, deductibles, and your credit-based insurance tier. Treat $1,768/yr as a benchmark, not a quote.
Cite this pageBright Side Kit. “Average Car Insurance Cost in Maryland.” brightoolbox.com, 2026.Bright Side Kit. "Average Car Insurance Cost in Maryland." https://brightoolbox.com/car-insurance-cost-maryland/ Accessed October 22, 2026.
Embed this data page
Paste this into any web page to embed the live data page. The “Bright Side Kit” link below it must stay intact.
Frequently asked questions
How much is car insurance in Maryland per month?
The state average premium is about $147 a month ($1,768 a year) according to NAIC 2024 data — 110% of the national average, ranking #12 of 51 states. Baltimore/DC-corridor drivers typically pay above the average; rural western Maryland and the Eastern Shore often pay below it.
What are Maryland’s minimum car insurance requirements?
Maryland requires 30/60/15 — $30,000 bodily injury per person, $60,000 per accident, $15,000 property damage — plus 30/60/15 in uninsured/underinsured motorist coverage. Insurers must also offer at least $2,500 of PIP, which you can waive in writing. The old 20/40/15 figures you may see online are out of date.
What is enhanced underinsured motorist coverage in Maryland?
It’s the upgrade that pays on top of the at-fault driver’s liability payment instead of being reduced by it. Example: you carry $100,000 of EUIM and the at-fault driver pays $30,000 — EUIM leaves you the full $100,000 on top; standard UM would leave only $70,000. It’s been the default on new private-passenger policies since July 1, 2024, unless the first named insured signed a written waiver.
Is Maryland a no-fault state?
No — Maryland is a tort (at-fault) state, and it’s one of only five U.S. jurisdictions still using pure contributory negligence: if you’re found even 1% at fault in a crash, you can be barred from recovering damages entirely. Your own PIP pays your immediate bills regardless of fault, but for everything else, fault — and your share of it — decides the outcome.
Why is Maryland car insurance so expensive?
Three forces: density (the Baltimore/DC corridor is among the most congested, collision-heavy driving in the country), claim inflation (NAIC shows the state average rose 10.2% in one year and 35.5% since 2020), and risk-sharing — 16.9% of drivers are uninsured, and Maryland permits credit-based insurance scoring, so insurers price every risk they can measure.
How can I lower my Maryland car insurance?
Shop 3 to 5 companies at every renewal — loyalty is routinely repriced upward, and because Maryland permits credit-based scoring, your rate band can move with your credit. Then the usual levers: raise your deductibles to the highest level you could pay overnight, bundle auto with home or renters, enroll in a telematics program, and keep your record clean.