Dense urban market with high vehicle theft and above-average rates.
According to the NAIC Auto Insurance Database Report (2022 data), the statewide average auto insurance expenditure per insured vehicle in Maryland was approximately $1,327/year. This is a state-level average — not a city-specific figure. Source: NAIC Auto Insurance Database Report (naic.org).
Maryland Insurance Administration — licenses carriers and agents in Maryland, reviews rate filings, and handles consumer complaints.
Maryland Insurance Administration — official site
Verify carrier licenses and complaint data nationally at naic.org/cis (NAIC Consumer Information Source).
Maryland is an at-fault (tort) state. The driver who causes an accident is financially responsible through their liability coverage.
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