Car Insurance for Age 16-19 in Maryland

Average auto insurance rates for 16-19 year old drivers in Maryland (MD), including male vs female rate comparison.

Avg Annual Rate

$5,049

$389 above national avg

Male Rate

$5,704/yr

Female Rate

$4,394/yr

Cost Rank

#18

of 51 states

Male vs Female Rates — Age 16-19 in Maryland

Gender	Annual	Monthly	vs Average
Male	$5,704	$475	+$655
Female	$4,394	$366	$-655
Average	$5,049	$421	—

Male drivers aged 16-19 pay $1,310 more per year in Maryland.

All Age Groups in Maryland

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

Most & Least Expensive States for Age 16-19

Most Expensive

#1	Michigan	$7,290
#2	Louisiana	$7,020
#3	Florida	$6,750
#4	New York	$6,264
#5	Kentucky	$5,940
#6	Colorado	$5,670
#7	Georgia	$5,670
#8	California	$5,589
#9	Nevada	$5,589
#10	Oklahoma	$5,481

Least Expensive

#51	Maine	$2,430
#50	Vermont	$2,700
#49	New Hampshire	$2,835
#48	Idaho	$2,970
#47	Hawaii	$3,429
#46	Wisconsin	$3,456
#45	Ohio	$3,483
#44	North Carolina	$3,645
#43	Iowa	$3,645
#42	North Dakota	$3,672

Maryland Insurance Overview

State Avg Premium

$1,870/yr

Fault System

At-Fault (Tort)

Uninsured Rate

12.2%

📊

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

How much does car insurance cost for age 16-19 in Maryland?

The average annual car insurance premium for 16-19 year olds in Maryland is $5,049 (about $421/month). This is $389 above the national average of $4,660 for this age group.

Do males or females pay more for car insurance at age 16-19 in Maryland?

In Maryland, male drivers aged 16-19 pay more — $5,704/yr for males vs $4,394/yr for females, a difference of $1,310 per year.

How does Maryland rank for age 16-19 insurance costs?

Maryland ranks #18 out of 51 states for car insurance costs for 16-19 year olds (most expensive first). The cheapest state for this age group is Maine at $2,430/yr, while Michigan is the most expensive at $7,290/yr.

Why is car insurance more expensive for age 16-19 in Maryland?

Insurance rates for 16-19 year olds in Maryland are influenced by the state's at-fault (tort) system, local accident rates (75,977/yr), uninsured driver rate (12.2%), and population density. Maryland has 5,065,140 registered vehicles.

How can 16-19 year olds save on car insurance in Maryland?

16-19 year olds in Maryland can save by: comparing quotes from multiple insurers (GEICO is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

Age 16-19 Rates in Other States

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