Average insurance rates across 163 cities in Maryland
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Baltimore | 585,708 | $1,836 | $2,106 | $405/mo | $18/mo |
| Hagerstown | 195,261 | $1,836 | $2,106 | $405/mo | $18/mo |
| Frederick | 184,991 | $1,836 | $2,106 | $405/mo | $18/mo |
| Waldorf | 122,310 | $1,836 | $2,106 | $405/mo | $18/mo |
| Columbia | 106,600 | $1,836 | $2,106 | $405/mo | $18/mo |
| Germantown | 90,210 | $1,836 | $2,106 | $405/mo | $18/mo |
| Salisbury | 81,921 | $1,836 | $2,106 | $405/mo | $18/mo |
| Silver Spring | 81,808 | $1,836 | $2,106 | $405/mo | $18/mo |
| Ellicott City | 73,589 | $1,836 | $2,106 | $405/mo | $18/mo |
| Glen Burnie | 71,427 | $1,836 | $2,106 | $405/mo | $18/mo |
| Gaithersburg | 69,016 | $1,836 | $2,106 | $405/mo | $18/mo |
| Rockville | 67,142 | $1,836 | $2,106 | $405/mo | $18/mo |
| Dundalk | 66,321 | $1,836 | $2,106 | $405/mo | $18/mo |
| Bethesda | 66,316 | $1,836 | $2,106 | $405/mo | $18/mo |
| Bowie | 57,922 | $1,836 | $2,106 | $405/mo | $18/mo |
Maryland residents pay an average of $1,700 per year for home insurance and $1,950 for auto insurance. Maryland follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 30/60/15.
Health insurance in Maryland averages $400 per month for an individual Silver marketplace plan. The weather risk level is medium, with significant exposure to hurricanes. Top insurance providers in Maryland include State Farm, Geico, Erie Insurance.
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Policygenius The ZebraThe average home insurance cost in Maryland is $1,700 per year. Rates range from $1,050 to $2,500 depending on home value, location, and coverage level.
Auto insurance in Maryland averages $1,950 per year for full coverage. The state minimum coverage is 30/60/15.
Maryland has below-average insurance costs, with home insurance at $1,700/yr and auto at $1,950/yr compared to national averages of $2,300 and $1,800 respectively.
Maryland requires minimum liability coverage of 30/60/15 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.