10 Best Auto Insurance Companies in Maryland in 2025 (Top MD Providers)
Erie, AAA, and State Farm are the best auto insurance companies in Maryland. Erie offers the cheapest car insurance in MD, starting at $32 a month. All three Maryland auto insurance companies have excellent customer service and claims satisfaction ratings, with competitive safe driver discounts up to 30%.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
UPDATED: Aug 24, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Aug 24, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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1,883 reviewsCompany Facts
Maryland Full Coverage
A.M. Best Rating
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1,883 reviews
3,027 reviewsCompany Facts
Maryland Full Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
3,027 reviews
18,157 reviewsCompany Facts
Maryland Full Coverage
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Complaint Level
Pros & Cons
18,157 reviews
Erie, AAA, and State Farm are the best auto insurance companies in Maryland for cost, roadside assistance, comprehensive auto insurance, and local presence.
Our Top 10 Picks: Best Auto Insurance Companies in Maryland
Company Rank Claims
SatisfactionA.M. Best Best for Jump to Pros/Cons
#1 706 / 1,000 A+ Customer Service Erie
#2 676 / 1,000 A Roadside Assistance AAA
#3 673 / 1,000 A++ Personalized Support State Farm
#4 643 / 1,000 A++ Good Drivers Geico
#5 636 / 1,000 A+ Multi-Policy Savings Nationwide
#6 636 / 1,000 A Discount Options Farmers
#7 633 / 1,000 A++ Coverage Options Travelers
#8 632 / 1,000 A+ Usage-Based Allstate
#9 632 / 1,000 A Customizable Policies Liberty Mutual
#10 625 / 1,000 A+ High-Risk Drivers Progressive
Erie is the cheapest in the state at only $32 per month for minimum coverage, while AAA has good roadside service and full coverage from $122 monthly. State Farm excels with its robust agent network and up to 25% off for safe drivers through Drive Safe & Save UBI.
- Erie is the cheapest minimum coverage at $32 per month
- AAA ranks among the best with multi-vehicle savings of 25%
- State Farm rewards safe drivers with discounts up to 25%
Motorists looking for the best MD car insurance can utilize this guide to compare top auto insurance companies in Maryland. Explore your auto insurance options by entering your ZIP code into our free comparison tool today.
Maryland Auto Insurance Rates
The premium rate also differs significantly among Maryland’s best auto insurance providers. Erie is the cheapest for minimum coverage at $32 a month, and AAA is the cheapest for full coverage at $122. Allstate and Liberty Mutual are more than $300 for full coverage, so don’t think that one provider will always be cheaper.
Maryland Auto Insurance Monthly Rates by Coverage Level
Insurance Company Minimum Coverage Full Coverage
$65 $122
$196 $368
$32 $83
$137 $257
$132 $248
$177 $333
$104 $195
$118 $222
$104 $196
$100 $189
These rates show why Maryland drivers should never assume one company is always the cheapest. Your driving history, vehicle, and eligibility for discounts can change the cheapest option. Compare multiple quotes to find the best auto insurance companies in Maryland for you.
What impacts auto insurance costs in Maryland? MD auto insurance is all about your driving record and age. Drivers with a clean record pay way less than those with a DUI or accident, and younger drivers pay the most due to inexperience.
High-Risk Auto Insurance Rates in Maryland
Your driving record has the biggest impact on insurance costs. One accident can increase rates by over $80 a month, and a DUI can more than double rates with companies like Liberty Mutual and Travelers. Safe driving keeps Maryland auto insurance cheap.
Maryland Auto Insurance Monthly Rates by Driving Record| Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $65 | $71 | $81 | $58 |
| $196 | $285 | $197 | $230 |
| $32 | $45 | $60 | $38 |
| $137 | $195 | $191 | $171 |
| $132 | $219 | $270 | $162 |
| $177 | $239 | $320 | $215 |
| $104 | $160 | $118 | $123 |
| $118 | $189 | $160 | $147 |
| $104 | $130 | $114 | $114 |
| $100 | $141 | $209 | $136 |
These differences show how much a single ticket, accident, or DUI can raise monthly premiums in Maryland. Since insurers weigh violations differently, the cheapest option for one driver may not be the same for another.
A single accident increases Maryland insurance rates by $80+ monthly, while DUIs can double premiums.
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Knowing how to get multiple auto insurance quotes ensures you find the best auto insurance companies in Maryland for your record.
Teen Auto Insurance Rates in Maryland
Age is another big factor in determining rates. 16-year-old drivers pay the most, with Travelers charging almost $1,000 a month. 45-year-old and older drivers pay way less, like $32 a month with Erie. Shopping around helps drivers offset age-related pricing differences.
Maryland Auto Insurance Monthly Rates by Age| Insurance Company | Age: 16 | Age: 25 | Age: 35 | Age: 45 | Age: 55 | Age: 65 |
|---|---|---|---|---|---|---|
| $664 | $158 | $147 | $65 | $116 | $119 |
| $834 | $191 | $178 | $196 | $186 | $193 |
| $332 | $101 | $94 | $32 | $79 | $82 |
| $819 | $176 | $164 | $137 | $129 | $134 |
| $529 | $121 | $114 | $132 | $125 | $130 |
| $860 | $217 | $202 | $177 | $167 | $175 |
| $413 | $134 | $125 | $104 | $97 | $103 |
| $702 | $160 | $149 | $118 | $112 | $116 |
| $498 | $134 | $125 | $104 | $99 | $103 |
| $992 | $118 | $108 | $100 | $96 | $99 |
Age-based pricing highlights why younger drivers pay significantly more for coverage than older, more experienced drivers. However, some companies in Maryland offer bigger discounts for students, safe drivers, or multi-vehicle households.
Read More: Cheap Auto Insurance for Teens
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How to Lower Auto Insurance Costs in Maryland
The best way to lower auto insurance in Maryland is to cash in on good driving habits. Safe and low-mileage drivers get the best deals with usage-based insurance (UBI), such as State Farm Drive Safe & Save or Geico DriveEasy.
Safe drivers get the cheapest car insurance in MD, but even if you have a poor driving record, Maryland car insurance companies reward drivers with lower rates when they:
- Choose Minimum Coverage: Minimum liability policies have the cheapest rates, so consider adjusting coverage on older vehicles that no longer need full coverage policies.
- Improve Vehicle Security: Adding anti-theft devices or advanced safety features can help reduce auto insurance in Maryland by lowering the vehicle’s risk profile.
- Consider Carpooling: If you live in the DMV, you can reduce your risk and your rates by taking the Metro or carpooling to work in someone else’s vehicle.
Bundling policies, insuring multiple vehicles, and having a clean driving record are other ways to cut your monthly premium.
Available Auto Insurance Discounts in Maryland
Maryland drivers have many auto insurance discounts to choose from. Nationwide and Allstate offer the state’s most significant good driver discount at 40% off with UBI. Maryland drivers should review all discounts with each company and compare various quotes to get the best rate.
Top Auto Insurance Discounts in Maryland| Company | Bundling | Good Driver | Loyalty | Multi- Vehicle | Usage Based |
|---|---|---|---|---|---|
| 15% | 30% | 12% | 25% | 30% |
| 25% | 25% | 15% | 25% | 40% |
| 25% | 23% | 10% | 10% | 30% |
| 20% | 30% | 12% | 20% | 30% |
| 25% | 26% | 10% | 25% | 25% |
| 25% | 20% | 10% | 25% | 30% |
| 20% | 40% | 8% | 20% | 40% |
| 10% | 30% | 13% | 12% | 20% |
| 17% | 25% | 6% | 20% | 30% |
| 13% | 10% | 9% | 8% | 30% |
Multi-vehicle policies save up to 25% with Geico, Allstate, and Liberty Mutual, and combining auto and home insurance saves 25% with Erie, Geico, and Allstate.
Read More: 17 Car Insurance Discounts You Can’t Miss
Top 10 Auto Insurance Companies in Maryland
A few big players dominate the Maryland auto insurance market. The largest auto insurance companies in Maryland are Geico, with the largest share at 23%, followed by State Farm, Erie, Allstate, and Progressive.
Together, these five companies account for more than two-thirds of the market, consistently ranking them as the best car insurance companies in Maryland. The other 33% is split among smaller regional and national companies that may have competitive rates for specific driver profiles. Learn more in our auto insurance guide.
When shopping for the best auto insurance companies in Maryland, Erie stands out with the best customer service and the cheapest minimum coverage. Compare top Maryland insurance providers to find the right coverage for your needs.
#1 – Erie: Top Pick Overall
Pros
- The Best Support: Erie’s car insurance in Maryland is praised for its excellent local agent service. Learn more in our Erie insurance review.
- Smooth Claims Process: MD Drivers often rate Erie among the top auto insurance companies for its fast and hassle-free claims handling.
- Affordable Premiums: Known for offering some of the cheapest car insurance in MD, Erie balances low costs with strong coverage.
Cons
- Limited Reach: Erie is strong in Maryland but not as widespread as other U.S. auto insurance companies, making relocation coverage harder.
- Digital Shortcomings: Erie’s online tools are more limited than those of other car insurance providers in Maryland.
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#2 – AAA Insurance: Best for Roadside Assistance
Pros
- Emergency Coverage: AAA is highly rated in Reddit discussions as the best car insurance in Maryland due to its reliable roadside assistance.
- Member Perks: In addition to auto coverage, AAA policyholders enjoy discounts on hotels, retail, and travel, which distinguishes the company among the top 10 auto insurance companies in the USA.
- Bundling Options: AAA car insurance in Maryland allows homeowners to combine auto and property coverage, similar to the best home insurance companies in Maryland.
Cons
- Membership Costs: Unlike some of the cheapest car insurance providers in MD, AAA requires an annual membership fee.
- Digital Lag: As mentioned in our AAA auto insurance review, it lacks online claims management capabilities compared to other top car insurance providers in the state of Maryland.
#3 – State Farm: Best for Personalized Support
Pros
- Local Network: State Farm is regarded as one of the best insurers in Maryland, with its regional network of agents that understands local needs.
- Safe-Driver Rewards: Our State Farm auto insurance review found its Drive Safe & Save program helps drivers who drive carefully reduce their premiums.
- Excellent Mobile App: State Farm’s app streamlines the process of filing claims, checking policies, and receiving payments quickly.
Cons
- Higher Premiums: Full coverage rates are often more expensive than those from the cheapest car insurance in MD competitors.
- Bundling Gaps: Multi-policy discounts are available, but smaller than those offered by insurers that bundle home and auto policies together.
#4 – Geico: Best for Good Drivers
Pros
- Affordable Premiums: Geico is often cited in best car insurance Maryland Reddit threads for its low rates for drivers with clean records.
- Tech-Driven Tools: Geico stands out among U.S. auto insurance companies due to its ease-of-use technology (Read More: Everything you need to know about Geico).
- Exclusive Discounts: Federal employees, military personnel, and multi-policyholders in Maryland are eligible for specialized discounts.
Cons
- Less Personal Interaction: Geico relies heavily on digital tools, offering fewer in-person agents compared to Erie or State Farm.
- Slower Complex Claims: Some drivers report slower resolutions for major accident claims compared to other car insurance providers.
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#5 – Nationwide: Best for Multi-Policy Savings
Pros
- Extensive Bundling Discounts: Among the best home insurance companies in Maryland, Nationwide also delivers substantial auto-home savings.
- SmartRide Telematics: Our Nationwide auto insurance review highlights how Maryland Safe drivers can save up to 40% with SmartRide, making Nationwide a cost-friendly choice.
- Annual Coverage Reviews: Nationwide offers “On Your Side” reviews to optimize coverage, a benefit often overlooked by other insurers.
Cons
- Higher Rates for Risky Drivers: Nationwide is not among the most affordable car insurance options in MD for drivers with accidents or violations.
- Claims Speed Variability: Some customers report slower responses compared to faster competitors, such as Erie.
#6 – Farmers Insurance: Best for Discount Options
Pros
- Diverse Discounts: Our guide to everything you need to know about Farmers reviews its available discounts, including good student and safe driver, making it one of the top MD insurance companies.
- Strong Policy Flexibility: Farmers provides customizable coverage for Maryland drivers seeking tailored protection.
- Unique Coverage Add-Ons: Farmers stands out in Maryland with offerings like rideshare coverage and new car replacement.
Cons
- Above-Average Premiums: Rates are often higher than those of competitors for the most affordable car insurance in MD.
- Complex Policy Choices: A wide selection of coverages can be overwhelming for first-time buyers.
#7 – Travelers: Best for Eco-Friendly Vehicles
Pros
- Eco-Friendly Discounts: Travelers supports green drivers by rewarding hybrid and electric car ownership in Maryland.
- Comprehensive Protection: Offers valuable add-ons, including gap insurance, rental car coverage, and accident forgiveness.
- Travel-Oriented Coverage: As mentioned in our Travelers auto insurance review, they provide strong perks for drivers who rent cars or travel frequently, adding convenience.
Cons
- Smaller Agent Network: Compared to the best car insurance providers in Maryland, Travelers has fewer local representatives.
- Higher Young Driver Rates: Often more expensive for Maryland drivers under 25.
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#8 – Allstate: Best for Usage-Based Insurance
Pros
- Drivewise Program: Usage-based telematics rewards safe driving with discounts, making it a tech-forward option in Maryland.
- Wide Coverage Options: Includes sound system insurance and accident forgiveness, popular among Maryland drivers with upgraded vehicles.
- Deductible Rewards Program: Allstate reduces collision deductibles by $100 every claim-free year, up to $500. Learn more about this in our Allstate insurance review.
Cons
- Higher Rates: Allstate’s policies cost more than lower-cost car insurance options in Maryland.
- Limited Low-Mileage Savings: Unlike Geico or Nationwide, Allstate offers fewer low-mileage driver discounts in Maryland.
#9 – Liberty Mutual: Best for Customizable Policies
Pros
- Flexible Plans: Liberty Mutual allows Maryland drivers to customize their coverage, which ranges from liability-only to comprehensive.
- Generous Add-Ons: Includes accident forgiveness and new car replacement, appealing to Maryland’s family drivers.
- Multiple Discounts: Our Liberty Mutual insurance review highlights their significant savings for students, military families, and eco-friendly drivers.
Cons
- Higher Costs: Premiums can be steeper compared to the cheapest car insurance providers in Maryland.
- Claims Delays: Some customers report slower claim resolutions compared to rivals like Geico or Erie.
#10 – Progressive: Best for High-Risk Drivers
Pros
- High-Risk Coverage: Progressive offers policies for drivers that other insurers often decline, such as those with high-risk profiles.
- Snapshot Telematics: Progressive rewards safe drivers with lower rates, making it competitive in the best car insurance comparisons in Maryland.
- Budget-Friendly Pricing Tool: Its Name Your Price® feature helps drivers match coverage with their budget (Learn More: Everything You Need to Know About Progressive Insurance.
Cons
- Less Competitive for Perfect Records: This is not the cheapest option for drivers with an excellent driving history.
- Limited In-Person Service: Relies more on online tools than local Maryland agents.
Frequently Asked Questions
What is the best auto insurance company in Maryland?
Erie Insurance ranks as the best auto insurance company in Maryland, offering exceptional customer service, affordable premiums starting at $32 a month, and fast claims processing.
Read More: 26 Hacks to Save Money on Auto Insurance
What are the top five best auto insurance companies in Maryland?
Maryland’s top five auto insurance companies are: Erie, AAA, State Farm, Geico, and Nationwide, each offering unique benefits and competitive rates.
What is the most trusted auto insurance company in Maryland?
Which auto insurance company has the best reputation in Maryland? Erie Insurance is the most trusted auto insurance company in Maryland, praised for excellent local agent service, reliable claims handling, and strong customer satisfaction.
Read More: How to File an Auto Insurance Claim
What is the cheapest auto insurance in Maryland?
The cheapest auto insurance in Maryland starts at $32 a month. Erie Insurance and Geico typically offer the most affordable rates for Maryland drivers.
Who is number one in auto insurance in Maryland?
Erie Insurance is number one among auto insurance companies in Maryland, leading in customer service excellence, competitive pricing, and fast claims processing. Enter your ZIP code to find the best Maryland auto insurance companies near you.
Who is cheaper in Maryland, Geico or Progressive?
Geico is generally cheaper than Progressive in Maryland for drivers with clean records, offering competitive rates and specialized discounts for federal employees.
Is Allstate or Geico auto insurance better in Maryland?
Geico is generally better than Allstate in Maryland for budget-conscious drivers, offering lower rates and better technology, while Allstate provides more coverage options. Learn more in our Geico vs. Allstate auto insurance review.
Which auto insurance company is the best overall in Maryland?
Erie Insurance is the best overall auto insurance company in Maryland, combining affordable rates, exceptional customer service, fast claims processing, and a strong local presence. Use our free comparison tool to see what auto insurance quotes look like in your area.
Enter your zip code below to view companies that have cheap insurance rates.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
