In Maryland, State Farm generally offers the most affordable car insurance, providing the cheapest rates for both full coverage and liability-only policies for many drivers. For individuals with a DUI on their record, Erie typically has the lowest average rates.
Cheapest Car Insurance Options in Maryland
The "cheapest" car insurance can vary significantly depending on the type of coverage you need and your driving history. Here's a breakdown of the most affordable options found in Maryland:
Cheapest Full Coverage Car Insurance
For most Maryland drivers seeking full coverage insurance, which includes comprehensive and collision coverage in addition to liability, State Farm stands out as the most economical choice.
- State Farm averages around $1,408 per year, which translates to approximately $117 per month.
Cheapest Liability-Only Car Insurance
If you're looking for the bare minimum required by law, which is typically liability-only coverage, State Farm also offers highly competitive rates.
- State Farm provides cheap liability insurance quotes averaging about $62 per month.
Cheapest Car Insurance After a DUI
A Driving Under the Influence (DUI) conviction can significantly impact insurance premiums. However, some companies offer more forgiving rates than others.
- For drivers with a DUI, Erie has Maryland's cheapest average rates, coming in at approximately $174 per month.
Summary of Cheapest Car Insurance in Maryland
The table below summarizes the cheapest car insurance providers and their average costs for different coverage scenarios in Maryland:
| Coverage Type | Cheapest Provider | Monthly Cost (Avg.) | Annual Cost (Avg.) |
|---|---|---|---|
| Full Coverage | State Farm | $117 | $1,408 |
| Liability-Only | State Farm | $62 | N/A |
| After a DUI Violation | Erie | $174 | N/A |
To explore various car insurance options and compare quotes specific to your needs in Maryland, you can visit resources like this Maryland car insurance guide. Always obtain personalized quotes to find the absolute lowest rate for your individual circumstances.
