Best Car Insurance In Maryland? Top 10 Revealed

car covered by the best car insurance in maryland

Maryland may be a small state, but it's a key one to the United States economy and a major commuter hub. Within driving distance of New York City and adjacent to the nation's capital in Washington DC, Maryland is a center of activity that brings drivers from both within and the surrounding states. Maryland also has some of the toughest car insurance requirements in the country, which makes finding the best car insurance in Maryland essential to getting the best value out of your car.

Car insurance is required in all fifty states, including both vehicle insurance and liability insurance. Vehicle insurance protects you in the event of an accident and lets you get your car repaired without paying out of pocket, while liability insurance pays the other driver if your car is involved in an at-fault car accident. Maryland requires drivers to have $30,000 of bodily injury coverage and $60,000 for accidents, plus $15,000 in property damage coverage.

However, this minimal coverage isn't the best car insurance for the average driver. Unless you're driving a car with little value, you'll want car insurance that provides you with enough coverage to repair or replace your car's value. The best way to get the most value out of the best car insurance in Maryland is to look for insurers that offer deep discounts for good drivers and other special deals.

The best car insurance in Maryland might not be the cheapest, but it will be the one that offers the best combination of value, discounts, comprehensive coverage, and excellent customer service. Here at Policy Academy, we've put together a list of the best car insurance in Maryland. Read on to discover the right car insurance for your car and any accidents or other liabilities.

​Best Car Insurance in Maryland FAQ

1. How Does the Best Car Insurance in Maryland Compare to Other States?

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Car insurance in Maryland is more expensive than the average, with the average premium coming in at just over $1,700. This is over the national average of $1,600, but lower than top states like California or New York. Maryland has a competitive market, with most major insurance companies on the east cost operating.

2. Does the Best Car Insurance in Maryland Offer Benefits for Good Drivers?

Yes, the best car insurance companies in Maryland reward good driving and lower premiums for drivers who stay accident-free for several years.

3. Does the Best Car Insurance in Maryland Offer Benefits for Young Drivers?

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Most top car insurance companies in Maryland allow young drivers to be bundled into their parents' insurance, and many offer benefits for getting good grades or taking driver education courses.

4. Is the Best Car Insurance in Maryland Flexible for Drivers with Different Needs?

Yes, most top car insurance companies offer deals for drivers with multiple cars or those who drive less and only need insurance part-time.

5. Where Can I Learn About the Best Car Insurance in Maryland?

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All top car insurance companies have websites and mobile apps that let you find out your likely rates and ideal insurance plans. You can also call a customer service agent for information.

​How We Reviewed

The following list of the best car insurance in Maryland was reviewed based on the following parameters - premium rates, discounts for safe driving, discounts for younger drivers, coverage options, financial coverage, ease of filing claims online and in person, claim fulfillment rates, website and app design, customer service options, and online reviews.

​Overall Price Range

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The ten car insurance options on this list of the best car insurance in Maryland have monthly premiums ranging from $800 to just over $2000. This is in line with car insurance competitors in the state, with most on the list trending towards the low end price-wise. Maryland's car insurance prices are slightly above the national average.

​What We Reviewed

  • USAA Car Insurance
  • Erie Insurance
  • State Farm Insurance
  • Nationwide Car insurance
  • Allstate Insurance
  • Progressive Insurance
  • Geico Insurance
  • Travelers Insurance
  • Elephant Insurance
  • Penn National Insurance

USAA Car Insurance

USAA Car Insurance

Image via USAA Car Insurance website

Features

USAA is available across the country and gets high marks for low premiums, excellent customer service, flexible policy arrangements, and deep discounts. The only negative is that it's run through the US military and is only available for current and former service members plus immediate family. This makes it a popular choice for college students with parents who served or who are attending college on the GI Bill.

Maryland is near Washington DC's defense network, so few states benefit more from USAA coverage. The website and app are easy to use with a sleek appearance, and USAA stands out due to its strong discount offers including good-student discounts and free parking for those who park on military bases. Backed by both private and public investors, it's a great choice for anyone returning to civilian life after a stint in the military.

Click here to get a quote.

Pros

  • Low premiums with deep discounts
  • Sleek, easy-to-use website and app
  • Strong financial backing and government support
  • Good reviews for customer service

Cons

  • Only available to military members and family

Erie Insurance

Erie Insurance

Image via Erie Insurance website

Features

Erie is an easy-to-use insurance agency based in the Northeast, and has some of the lowest rates in the area. The drawback is that it doesn't offer many discounts, but it does allow for bundling home and auto insurance and saving money on both. Available rebates for accident-free driving and installing safety features can drive down rates, but the only option for lowering premiums is a higher deductible.

Erie gets high marks for letting you customize your policy, with features like diminishing deductible that reduces your deductible by $100 every year without an accident. Liability coverage limits are lower than other companies, but Erie gets the highest marks on the list for customer service and claim response. With a 5/5 from JD Power and a 94 from Consumer Reports, Erie makes the process of filing claims on their website or in person painless.

Click here to get a quote.

Pros

  • Lower premiums than the average
  • Excellent customer service and claim response speed
  • You can bundle home and auto insurance
  • Rebates reward good driving

Cons

  • Lower liability coverage limits than others

State Farm Insurance

State Farm Insurance

Image via State Farm Insurance website

Features

State Farm is a nationwide company with deep pockets and a reputation for paying out claims promptly, but you'll pay for that reliability in some of the highest premiums on the list. It's an ideal option if you want the peace of mind of high liability coverage limits, up to 500/500/500 - enough to cover serious accidents. Its endorsements and partnerships let you use your car as a ride-sharing vehicle without jeopardizing your insurance.

State Farm offers discounts for bundling your home and auto coverage, insuring multiple vehicles, keeping your driving record clean, and for young drivers who get good grades and complete a driver training program. Encouraging safe driving, State Farm has a pair of programs to reward safe drivers - Drive Safe and Save, and Steer Clear. Their website is easy to navigate and the app makes it easy to check rates and file claims.

Click here to get a quote.

Pros

  • Good financial backing and extensive coverage
  • Partnership with Uber and Lyft
  • Encourages safe driving and driver education
  • Good customer service and claim responses

Cons

  • One of the most expensive premiums

Nationwide Car insurance

Nationwide Car insurance

Image via Nationwide Car insurance website

Features

​Nationwide is a popular company that offers cross-country coverage and has premiums in the middle of the pack, but offers comprehensive coverage ideal for anyone who wants peace of mind. If you're willing to exchange higher deductibles for lower premiums, Nationwide delivers in protection and good claim fulfillment. They have a good reputation for their unique discount options, including a family plan that spreads discounts to every member on the plan.

They share their Vanishing Deductible perk with Erie, allowing good drivers to shave money off their deductible for up to five years. Where Nationwide loses a step is in their customer service, as their website and app are basic and it can be hard to get ahold of a customer service agent. Nationwide is backed by financially stable corporations, making them a good middle-of-the-road option for car insurance with a low premium.

Click here to get a quote.

Pros

  • Lower premiums than the average
  • Good discounts and rebate options
  • Strong financial backing

Cons

  • Higher deductibles than the average
  • Customer service is spotty

Allstate Insurance

Allstate Insurance

Image via Allstate Insurance website

Features

If you're looking for a policy with high coverage limits, Allstate has you covered. One of the top national insurance companies, it offers liability coverage up to 500/500/500, keeping you clear even in the worst accidents. It comes highly recommended from A.M. Best with an A+ financial stability rating, but gets lower ratings for customer service and claim fulfillment.

Allstate's premiums are middle-of-the-road, but they make up for it in flexible coverage. Deductibles come in eleven options, ranging from $50 to $2000, meaning there's an Allstate plan ideal for every budget and driver. Where Allstate's value shows up is in the discounts, which take money off your bill for everything from bundling home and auto, to being a safe driver, to using paperless billing.

Click here to get a quote.

Pros

  • Strong financial backing and stability
  • High liability coverage and flexible deductibles
  • Many discount options for safe drivers

Cons

  • Customer service is spotty
  • Claims can be delayed

Progressive Insurance

Progressive Insurance

Image via Progressive Insurance website

Features

​One of the largest insurance companies nationwide, Progressive has a reputation as a company with even-handed policies that don't discriminate against teen drivers or those with an accident history. Basic premiums are the lowest on the list, and their accident forgiveness policies keep them low. They're an ideal choice for families who are adding teen drivers to their policy.

Progressive is a national company and their weak spot can be customer service - while claims will be fulfilled and agents are polite, getting a person on the phone can be difficult and delays are common. Their website and online app are among the best, making filing claims online easy. Progressive's secret weapon is their long list of discounts for good drivers, teens who keep their grades up, and bundling multiple vehicles or properties together.

Click here to get a quote.

Pros

  • Lowest premiums on the list
  • Accident forgiveness and lower rates for high-risk drivers
  • Good family rates and discounts
  • Sleek, easy to use online sites

Cons

  • Customer service is spotty and claims can be slow

Geico Insurance

Geico Insurance

Image via Geico Insurance website

Features

If you asked the average person to name one insurance company, Geico and its iconic gecko are probably the first thing to come to mind. It's one of the largest insurance companies in the world, and that's both its biggest strength and biggest weakness. It's a well-proven company with a reputation for financial stability thanks to the ownership of Berkshire Hathaway, and its strong financial backing makes it more likely to pay out claims.

The drawback is the professional but slow customer service, as the backlog of claims can cause delays. However, its low premiums make a good case for its reputation, and its deep discounts for safe drivers are among the best in the industry. Their website and app are sleek, state-of-the-art, and easy to use, making them a good all-purpose insurer for new drivers.

Click here to get a quote.

Pros

  • Low premiums and many discount options
  • Owned by a top corporation and financially stable
  • Easy-to-use app and website
  • Good options for new drivers

Cons

  • Customer service and claim fulfillment can be slow

Travelers Insurance

Travelers Insurance

Image via Travelers Insurance website

Features

Travelers is a large nationwide insurance company that underwrites policies for automobiles, home, and travel. It has among the best financial stability in the industry, getting an A++ rating from A. M. Best thanks to its strong backing from top corporations. It has lower complaint ratios than equivalent companies, pointing to its strong customer service network.

Travelers has among the highest premiums on the list, but its liability coverage doesn't stand out above competitors. Its website and app make it easy to pay bills and track claims, and the company offers roadside assistance for policyholders. While Travelers discounts aren't as numerous as competitors, it gets high marks for being able to bundle together auto insurance with home, condo, travel, and other property insurance.

Click here to get a quote.

Pros

  • Strong financial stability and customer service ratings
  • Website and app are sleek and easy to use
  • You can bundle all your policies together to save money
  • Roadside assistance for policyholders

Cons

  • Higher premiums than the average
  • Few discount options beyond bundling

Elephant Insurance

Elephant Insurance

Image via Elephant Insurance website

Features

Elephant Insurance is a subsidiary of the Admiral Group, one of the largest insurance companies in the UK serving an American audience. Only available in four states in the United States, it was founded in 2009, making it one of the newest powers in the insurance market. It offers auto, home, boat, life, and property insurance and is highly rated by A.M. Best for its financial stability.

With an A+ rating from the Better Business Bureau and minimal complaints, it offers a popular selection of benefits including 24/7 claims service online and by phone. It also has a state-of-the-art website that lets you manage your policy online, and its premiums are middle of the road price-wise. It offers a host of discounts for good driving, good grades from young drivers, and using paperless billing.

Click here to get a quote.

Pros

  • Strong financial stability for a new company
  • High customer service rating
  • Offers all-purpose insurance, not just auto
  • Wide range of discounts

Cons

  • Premiums higher than the average
  • Only available in four states

Penn National Insurance

Penn National Insurance

Image via Penn National Insurance website

Features

A regional insurance agency serving the eastern United States, it's over a hundred years old and offers insurance for homes, automobiles, and businesses. It's a mutual company owned in part by its policyholders and only sells policies through independent agents with no online rates available. Its auto insurance is a basic package that offers add-ons including coverage for towing and labor, gap protection, and replacement costs.

It offers discounts for multi-policy homes, good students, taking driver education classes, and paying your premium in full. Penn National is a smaller company, and its customer service done through the phone and in person is above average. This is an insurance company that specializes in personalized service, not speed, and the lack of online support will be a drawback for younger policyholders.

Click here to get a quote.

Pros

  • Personal service through customer service agents
  • Offers discounts for good drivers and paying up front
  • Offers insurance for homes and businesses

Cons

  • Only available in a few states
  • No online support
  • Premiums are middle-of-the-road

​The Verdict

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Maryland is a smaller insurance market than California or Texas, despite proximity to the nation's capital and other major cities. That gives Maryland drivers the choice between national insurance companies like Geico and Progressive and local options like Penn National or Elephant. If you or anyone in your family is a member of the United States Armed Forces, you should seek coverage from USAA.

For companies open to all customers, it was a tight battle between two renowned major insurance companies offering good service, low premiums, and extensive discounts. Ultimately, Progressive pulled ahead on the strength of its accident forgiveness and friendly policy towards young drivers. We give it our endorsement for the best car insurance in Maryland.

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