Maryland vs Pennsylvania Car Insurance

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

Quick Verdict

More Affordable

Pennsylvania is $110/yr cheaper on average.

Fewer Uninsured

Pennsylvania has a lower uninsured rate (7.6% vs 12.2%).

Rate & Coverage Comparison

Attribute	Maryland	Pennsylvania
Avg Annual Premium	$1,870	$1,760
Min Liability	$610	$580
Full Coverage	$1,870	$1,760
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	12.2%	7.6%
Registered Vehicles	5,065,140	10,662,460
Accidents/Year	75,977	159,936
Population	6,177,000	13,003,000

Minimum Coverage Requirements

Maryland

30/60 / 15 liability

Pennsylvania

15/30 / 5 liability

Premium Comparison

Maryland$610 – $1,870

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

Pennsylvania$580 – $1,760

Liability: $580Avg: $1,760Full: $1,760

MarylandFull rates, age breakdown, requirements →PennsylvaniaFull 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, Maryland or Pennsylvania?

Pennsylvania has cheaper car insurance, with an average annual premium of $1,760 compared to $1,870 in Maryland - a difference of $110 per year.

How do Maryland and Pennsylvania compare on fault systems?

Maryland uses a at-fault (tort) system while Pennsylvania uses a no-fault system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Maryland vs Pennsylvania?

Maryland requires 30/60 / 15 liability. Pennsylvania requires 15/30 / 5 liability. Minimum liability costs $610/yr in Maryland and $580/yr in Pennsylvania.

Which state has more uninsured drivers, Maryland or Pennsylvania?

Maryland has a higher uninsured driver rate at 12.2%, compared to 7.6% in Pennsylvania. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Maryland vs Pennsylvania 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

Maryland

Pennsylvania

Avg Annual Premium

$1,870

$1,760

Min Liability

$610

$580

Full Coverage

$1,870

$1,760

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

12.2%

7.6%

Registered Vehicles

5,065,140

10,662,460

Accidents/Year

75,977

159,936

Population

6,177,000

13,003,000