🚗 Car insurance cost in Maryland (2026)
The estimated average is $2,365 per year — above the national average (+10% vs. the U.S. average of $2,150).
Maryland is home to about 6.2 million people, and car insurance here runs above the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Baltimore typically differ from smaller towns.
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Maryland car insurance estimator
Starts from the Maryland average. Estimate only — get quotes to confirm.
Car insurance cost in Maryland cities
| City | Population | Est. car insurance |
|---|---|---|
| Baltimore | 569,931 | $2,554 |
| Columbia | 104,681 | $2,365 |
| Germantown | 91,249 | $2,270 |
| Silver Spring | 81,816 | $2,270 |
| Annapolis | 40,812 | $2,270 |
Maryland car insurance FAQ
How much is car insurance in Maryland?
The estimated average car insurance in Maryland is $2,365 per year, which is above the national average (+10% vs. the U.S. average of $2,150). Maryland ranks 17 of 51 states from most to least expensive.
Why is car insurance expensive in Maryland?
Car insurance pricing in Maryland reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on car insurance in Maryland?
Compare at least three quotes from insurers active in Maryland, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.