Maryland Auto Insurance Rates
Median premium: $956/6mo across 10 carriers and 605 ZIP codes.
Premiums range from $626 to $2,524 — a 4x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$956
per 6 months
ZIP Codes
605
with rate data
Carriers
10
rated in MD
Price Spread
4x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $655 | 605 ZIPs | 100% | |
| 2 | Allstate | $674 | 0 ZIPs | 0% | |
| 3 | Erie Insurance | $773 | 0 ZIPs | 0% | |
| 4 | Farmers | $796 | 0 ZIPs | 0% | |
| 5 | Progressive | $910 | 0 ZIPs | 0% | |
| 6 | Nationwide | $1,001 | 0 ZIPs | 0% | |
| 7 | Travelers | $1,019 | 0 ZIPs | 0% | |
| 8 | Liberty Mutual | $1,046 | 0 ZIPs | 0% | |
| 9 | GEICO | $1,380 | 0 ZIPs | 0% | |
| 10 | State Farm | $1,420 | 0 ZIPs | 0% |
1
$655USAA#1 in 605 ZIPs (100%)
2
$674Allstate#1 in 0 ZIPs (0%)
3
$773Erie Insurance#1 in 0 ZIPs (0%)
4
$796Farmers#1 in 0 ZIPs (0%)
5
$910Progressive#1 in 0 ZIPs (0%)
6
$1,001Nationwide#1 in 0 ZIPs (0%)
7
$1,019Travelers#1 in 0 ZIPs (0%)
8
$1,046Liberty Mutual#1 in 0 ZIPs (0%)
9
$1,380GEICO#1 in 0 ZIPs (0%)
10
$1,420State Farm#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Maryland
| City | Avg Median | ZIPs |
|---|---|---|
| California | $626 | 1 |
| Compton | $648 | 1 |
| Leonardtown | $648 | 1 |
| Morganza | $648 | 1 |
| Avenue | $680 | 1 |
Most Expensive Cities in Maryland
| City | Avg Median | ZIPs |
|---|---|---|
| District Heights | $1,698 | 2 |
| Riverdale | $1,666 | 2 |
| Mount Rainier | $1,529 | 1 |
| Bladensburg | $1,476 | 1 |
| Hyattsville | $1,471 | 7 |
ZIP Code Extremes
Most Expensive ZIP
$1,698/6mo
20753 (District Heights)
Cheapest ZIP
$626/6mo
20619 (California)
4x
Price Spread
The most expensive ZIP in Maryland costs 4x more than the cheapest. Your ZIP code matters more than you think.
Maryland Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Maryland
Want to see rates for your ZIP code?
Access ZIP-level rate data across all 10 carriers, 605 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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