Arizona vs Maryland Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

Fewer Uninsured

Arizona has a lower uninsured rate (11.8% vs 12.2%).

Rate & Coverage Comparison

Attribute	Arizona	Maryland
Avg Annual Premium	$1,870	$1,870
Min Liability	$620	$610
Full Coverage	$1,870	$1,870
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.8%	12.2%
Registered Vehicles	5,968,780	5,065,140
Accidents/Year	89,531	75,977
Population	7,279,000	6,177,000

Minimum Coverage Requirements

Arizona

25/50 / 15 liability

Maryland

30/60 / 15 liability

Premium Comparison

Arizona$620 – $1,870

Liability: $620Avg: $1,870Full: $1,870

Maryland$610 – $1,870

Liability: $610Avg: $1,870Full: $1,870

ArizonaFull rates, age breakdown, requirements →MarylandFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Arizona or Maryland?

Arizona has cheaper car insurance, with an average annual premium of $1,870 compared to $1,870 in Maryland - a difference of $0 per year.

How do Arizona and Maryland compare on fault systems?

Arizona uses a at-fault (tort) system while Maryland uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Arizona vs Maryland?

Arizona requires 25/50 / 15 liability. Maryland requires 30/60 / 15 liability. Minimum liability costs $620/yr in Arizona and $610/yr in Maryland.

Which state has more uninsured drivers, Arizona or Maryland?

Maryland has a higher uninsured driver rate at 12.2%, compared to 11.8% in Arizona. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Arizona vs Maryland insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Arizona

Maryland

Avg Annual Premium

$1,870

Min Liability

$620

$610

Full Coverage

$1,870

Fault System

At-Fault (Tort)

Uninsured Rate

11.8%

12.2%

Registered Vehicles

5,968,780

5,065,140

Accidents/Year

89,531

75,977

Population

7,279,000

6,177,000