Idaho vs Maryland Car Insurance

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

Quick Verdict

More Affordable

Idaho is $770/yr cheaper on average.

Fewer Uninsured

Idaho has a lower uninsured rate (7.4% vs 12.2%).

Rate & Coverage Comparison

Attribute	Idaho	Maryland
Avg Annual Premium	$1,100	$1,870
Min Liability	$360	$610
Full Coverage	$1,100	$1,870
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	7.4%	12.2%
Registered Vehicles	1,558,000	5,065,140
Accidents/Year	23,370	75,977
Population	1,900,000	6,177,000

Minimum Coverage Requirements

Idaho

25/50 / 15 liability

Maryland

30/60 / 15 liability

Premium Comparison

Idaho$360 – $1,100

Liability: $360Avg: $1,100Full: $1,100

Maryland$610 – $1,870

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

IdahoFull 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, Idaho or Maryland?

Idaho has cheaper car insurance, with an average annual premium of $1,100 compared to $1,870 in Maryland - a difference of $770 per year.

How do Idaho and Maryland compare on fault systems?

Idaho 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 Idaho vs Maryland?

Idaho requires 25/50 / 15 liability. Maryland requires 30/60 / 15 liability. Minimum liability costs $360/yr in Idaho and $610/yr in Maryland.

Which state has more uninsured drivers, Idaho or Maryland?

Maryland has a higher uninsured driver rate at 12.2%, compared to 7.4% in Idaho. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Idaho 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

Idaho

Maryland

Avg Annual Premium

$1,100

$1,870

Min Liability

$360

$610

Full Coverage

$1,100

$1,870

Fault System

At-Fault (Tort)

Uninsured Rate

7.4%

12.2%

Registered Vehicles

1,558,000

5,065,140

Accidents/Year

23,370

75,977

Population

1,900,000

6,177,000