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Auto insurance rates, minimum coverage requirements, and driver statistics for Maryland (MD).
Avg Annual Premium
$1,870
$144 above national avg
Cost Rank
#18
of 51 (most expensive first)
Fault System
At-Fault (Tort)
Tort-based
Uninsured Rate
12.2%
of drivers
Min Liability
$610/yr
Legal minimum
Average Premium
$1,870/yr
State average
Full Coverage
$1,870/yr
Comprehensive + Collision
Maryland requires:
30/60 / 15 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $5,049 | $5,704 | $4,394 |
| 20-25 | $3,366 | $3,740 | $2,992 |
| 26-35 | $2,057 | $2,150 | $1,964 |
| 36-45 | $1,870 | $1,907 | $1,833 |
| 46-55 | $1,776 | $1,814 | $1,739 |
| 56-65 | $1,720 | $1,758 | $1,683 |
| 65+ | $1,964 | $2,020 | $1,907 |
Rates shown are annual averages for each age group in Maryland. Individual rates vary based on driving record, credit, and vehicle.
| Metric | Maryland | National Avg |
|---|---|---|
| Average Annual Premium | $1,870 | $1,726 |
| Uninsured Rate | 12.2% | 11.1% |
| Registered Vehicles | 5,065,140 | 5,330,804 |
| Accidents per Year | 75,977 | 79,962 |
Population
6,177,000
Registered Vehicles
5,065,140
Accidents per Year
75,977
Vehicles per Capita
0.82
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.
Read our full methodology or contact us with corrections.