Average car insurance cost in Maryland (2026)
Drivers in Maryland pay an average of $301 a month for full coverage and $191 a month for liability only.
Full coverage / month
$301
Liability only / month
$191
Full coverage / year
$3,612
Liability only / year
$2,292
Cost rank
#1 of 51
1 = most expensive. Liability-only rank: #1.
Averages are a starting point. Estimate your cost in Maryland
How Maryland compares
The full-coverage average of $301 is 73% above the average across states ($174), and the liability-only average of $191 is 96% above the average across states ($98). It is the highest in our table, $216 a month above New Hampshire.
Full coverage vs liability only in Maryland
Full coverage costs $110 more per month than liability only in Maryland, or $1,320 more per year. That gap is wider than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to Maryland by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| Rhode Island | $295 | $178 | -$6 |
| Delaware | $263 | $167 | -$38 |
| Nevada | $261 | $165 | -$40 |
| Georgia | $259 | $157 | -$42 |
| New Jersey | $257 | $181 | -$44 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the Maryland averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $301 | $191 |
| Same driver, age 20-24 | $436 | $277 |
| Same driver, one ticket | $367 | $233 |
| Same driver, one at-fault accident | $427 | $271 |
| Same driver, sports car | $391 | $248 |
Frequently asked questions
How much does car insurance cost in Maryland?
The average in Maryland is $301 a month ($3,612 a year) for full coverage and $191 a month ($2,292 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in Maryland expensive compared with other states?
Maryland ranks 1st highest of the 50 states and D.C. for full coverage. Its full-coverage average is 73% above the average across states of $174 a month.
How much more does full coverage cost than liability only in Maryland?
On average, full coverage costs $110 more per month in Maryland, or $1,320 more per year. That is 58% more than the liability-only average.
How much could an at-fault accident change an estimate in Maryland?
With our illustrative 1.42 factor, a baseline full-coverage estimate in Maryland rises from $301 to about $427 a month, or about $126 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.