USAA sells auto coverage to current members of the military, veterans and their eligible family members. For drivers who are eligible, it has the lowest average car insurance rate in Maryland at $1,188 annually. For comparison, the average cost of coverage in the state is $2,255.
Geico, which sells policies to the general public, has the second-lowest statewide average at $1,330. In our national rating of the best car insurance companies, Geico is No. 1 out of 10 companies, and USAA is No. 4.
Teenagers are statistically more likely to be in an accident than older drivers. Insurers consider them to be a higher risk, and typically charge higher premiums as a result. Average rates generally go down as drivers gain experience, provided they maintain a clean driving record. That is proven by our average rates for young adults(single 25-year-olds), adults (married 40-year-olds) and seniors (married 60-year-olds).