Below are recommendations for insurance coverage based on your area’s accident and insurance data. All DecisionData.org recommendations are based on Maryland data and estimates. The best insurance options for you may vary based on your personal driving record and finances.
Accidents per Person
~13 per 1,000 people
~17 per 1,000 people
Should I get cheap car insurance in Maryland?
Maybe. Maryland ranks #39 out of 51 for most accidents per person. This estimate suggests that cheap car insurance may be a good idea based on the far below average rate of accidents. We recommend you consider low-deductible plans and providers known for low premiums. See providers below for more help.
Accidents per Mile
~1.3 per million miles
~1.8 per million miles
How much liability coverage should I get?
Probably about the minimum. Marylanders drive an average of 9,442 per person in the state, which is below the national average of about 9,490. Whether due to long commutes, weather conditions, or bad roads, Marylanders on average get in less accidents per mile driven. Consider your commute, and think about slightly lower liability coverage.
Should I get comprehensive or liability-only insurance?
Consider comprehensive insurance, also known as standard insurance. Maryland ranks 22nd highest in the nation for uninsured drivers. Because there are more uninsured drivers in Maryland, you may want to choose comprehensive insurance, even if your car is paid for and can be replaced without financial strain.
Insurance Cost in Maryland
Based on the data above, we estimate Maryland is 12th out of 51 in affordability. Cheap insurance may be available, even from high-quality providers.
Note on data bars above: The top of each red bar above is the highest value in any state, and the bottom is always 0.
Insurance Providers in Maryland
|Provider||Benefit summary||Customer Rating||Purchase link|
|Geico||Low pricing, but sub-par service||3 out of 5||View plans|
|Nationwide||The best coverage and satisfaction most customers can get; higher premiums||4 out of 5||View plans|
|State Farm||Good customer service and repair handling; moderate premiums||3 out of 5||View plans|
|USAA||Superior overall service and pricing – but only available to military members and their families||5 out of 5||View plans|
|Progressive||High settlement values; low premiums; fair customer service||3 out of 5||View plans|
|Allstate||Good appraisal process and car rental handling; higher-than-average price||3 out of 5||View plans|
|esurance||No benefit above average – not recommended||2 out of 5||View plans|
|Liberty Mutual||Slightly above average in all areas, very high premiums||3 out of 5||View plans|
- Customer rating: 2015 U.S. Auto Claims Satisfaction Study | J.D. Power
- Pricing: Multiple quote comparisons, plus data from the California Dept. of Insurance