[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"/insights/maryland-rate-shock-5-year":3},{"id":4,"title":5,"author":6,"body":7,"dataPoint":300,"dateModified":301,"datePublished":302,"description":303,"draft":304,"extension":305,"featured":304,"meta":306,"navigation":307,"path":308,"readingTime":309,"seo":310,"sourceCitation":311,"sourceUrl":17,"stem":312,"tags":313,"__hash__":317},"insights/insights/maryland-rate-shock-5-year.md","Maryland Now Tops U.S. Car Insurance Costs","Premier Auto Savings Research",{"type":8,"value":9,"toc":291},"minimark",[10,35,51,56,59,65,75,85,89,92,126,130,133,136,153,156,160,256,259,263,271,282,285],[11,12,13,14,21,22,26,27,30,31,34],"p",{},"In January 2021, the average Maryland driver paid $2,193 per year for full-coverage auto insurance, according to ",[15,16,20],"a",{"href":17,"rel":18},"https://insurify.com/car-insurance/report/data/",[19],"nofollow","Insurify","'s open dataset. As of June 2026, that number is ",[23,24,25],"strong",{},"$3,646"," — a ",[23,28,29],{},"66% increase"," over five years, and enough to make Maryland the ",[23,32,33],{},"most expensive state for auto insurance in the country",", edging past Rhode Island in the latest readings.",[11,36,37,38,41,42,46,47,50],{},"That climb is about ",[23,39,40],{},"24 percentage points steeper"," than the national average increase over the same window (the U.S. average rose from $1,577 to $2,237, or about 42%). A few states have grown faster in percentage terms — Minnesota leads the ",[15,43,45],{"href":44},"/car-insurance/report/data","data we track"," at +86%, with Connecticut and Virginia also slightly ahead — but each of those started from a far lower base. Maryland's increase is the one that landed a state at the very top of the price rankings: the average Maryland driver now pays about ",[23,48,49],{},"$1,400/year more than the average American",".",[52,53,55],"h2",{"id":54},"the-shape-of-the-spike","The shape of the spike",[11,57,58],{},"Maryland's increases didn't come gradually. The data shows three distinct phases:",[11,60,61,64],{},[23,62,63],{},"Phase 1: stable, 2021–2022."," Premiums hovered between $2,081 and $2,193 throughout 2021 and most of 2022 — expensive relative to the national average, but flat.",[11,66,67,70,71,74],{},[23,68,69],{},"Phase 2: acceleration, 2023–early 2025."," Premiums climbed from roughly $2,163 in January 2023 to a peak of ",[23,72,73],{},"$3,962"," in May 2025. That's an 83% increase in just over two years.",[11,76,77,80,81,84],{},[23,78,79],{},"Phase 3: partial retreat, mid-2025 to today."," Rates have eased back to $3,646 — about ",[23,82,83],{},"8% off the May 2025 peak"," but still nearly $1,500/year more than where they started in 2021.",[52,86,88],{"id":87},"why-maryland","Why Maryland?",[11,90,91],{},"A few state-specific factors compound:",[93,94,95,102,108,114,120],"ul",{},[96,97,98,101],"li",{},[23,99,100],{},"High population density"," in the I-95 corridor between Baltimore and DC drives accident frequency and theft claims well above the national average.",[96,103,104,107],{},[23,105,106],{},"PIP coverage on most policies."," Maryland is an at-fault (tort) state, but insurers must offer personal injury protection and many drivers keep it rather than waive it — adding a layer of first-party medical payout cost not present in most states.",[96,109,110,113],{},[23,111,112],{},"Rising medical-cost inflation"," disproportionately impacts PIP-heavy markets like Maryland because PIP claims pay actual medical costs rather than capped settlements.",[96,115,116,119],{},[23,117,118],{},"Recent uninsured-motorist litigation"," in Maryland courts has expanded the scope of UM coverage payouts, prompting rate filings to reflect the added risk.",[96,121,122,125],{},[23,123,124],{},"Hail and severe-weather claims"," along the eastern shore add catastrophe exposure beyond what traditionally-southern markets face.",[52,127,129],{"id":128},"the-opportunity-for-maryland-drivers","The opportunity for Maryland drivers",[11,131,132],{},"A 66% rate increase across the state average doesn't mean every driver is paying 66% more. The averages mask substantial spread — drivers who renewed without shopping since 2022 are likely paying near or above the state mean, while drivers who have shopped recently and have good profiles can find rates 20–35% below it.",[11,134,135],{},"Specifically, Maryland drivers with the following should be aggressive about shopping:",[93,137,138,141,144,147,150],{},[96,139,140],{},"Clean driving record (no at-fault claims in 5 years)",[96,142,143],{},"Continuous prior coverage (no lapse over 30 days)",[96,145,146],{},"Credit-based insurance score in the \"good\" range or better",[96,148,149],{},"Vehicles with strong safety ratings and low theft rates",[96,151,152],{},"No teen drivers on the policy",[11,154,155],{},"The carriers most likely to be competitive in Maryland in 2026 — based on share-gain trends, not endorsements — include Geico, Progressive, USAA (for military households), and Erie Insurance.",[52,157,159],{"id":158},"how-maryland-compares-to-neighbors","How Maryland compares to neighbors",[161,162,163,182],"table",{},[164,165,166],"thead",{},[167,168,169,173,176,179],"tr",{},[170,171,172],"th",{},"State",[170,174,175],{},"2021-01",[170,177,178],{},"2026-06",[170,180,181],{},"5-yr change",[183,184,185,201,215,229,243],"tbody",{},[167,186,187,191,194,196],{},[188,189,190],"td",{},"Maryland",[188,192,193],{},"$2,193",[188,195,25],{},[188,197,198],{},[23,199,200],{},"+66%",[167,202,203,206,209,212],{},[188,204,205],{},"Delaware",[188,207,208],{},"$2,465",[188,210,211],{},"$3,100",[188,213,214],{},"+26%",[167,216,217,220,223,226],{},[188,218,219],{},"Pennsylvania",[188,221,222],{},"$1,320",[188,224,225],{},"$1,930",[188,227,228],{},"+46%",[167,230,231,234,237,240],{},[188,232,233],{},"Virginia",[188,235,236],{},"$1,460",[188,238,239],{},"$2,453",[188,241,242],{},"+68%",[167,244,245,248,251,253],{},[188,246,247],{},"Washington DC",[188,249,250],{},"n/a",[188,252,250],{},[188,254,255],{},"not in dataset",[11,257,258],{},"Virginia, somewhat surprisingly, has slightly outpaced Maryland's rate-of-increase from a much lower starting point. Delaware — historically a high-cost state — has actually grown the slowest of the four, suggesting the cost spike is less about regional drivers and more about state-specific underwriting decisions.",[52,260,262],{"id":261},"what-to-do-next","What to do next",[11,264,265,266,270],{},"If you're a Maryland driver who hasn't quoted your policy in the past 12 months, you almost certainly can save. Start with our ",[15,267,269],{"href":268},"/tools/rate-impact","Rate Impact Calculator"," for a directional estimate based on your profile, then get fresh quotes from at least three carriers before your next renewal.",[11,272,273,274,278,279,50],{},"For a deeper look at the national picture, see ",[15,275,277],{"href":276},"/car-insurance/report","the full 2026 Auto Insurance Report"," or browse ",[15,280,281],{"href":44},"the underlying state-by-state data",[283,284],"hr",{},[11,286,287],{},[288,289,290],"em",{},"Premier Auto Savings is not affiliated with Insurify. Data reproduced under their public attribution policy.",{"title":292,"searchDepth":293,"depth":293,"links":294},"",2,[295,296,297,298,299],{"id":54,"depth":293,"text":55},{"id":87,"depth":293,"text":88},{"id":128,"depth":293,"text":129},{"id":158,"depth":293,"text":159},{"id":261,"depth":293,"text":262},"MD: +66%, now #1 most expensive","2026-07-22","2026-05-06","Maryland's average annual premium climbed 66% in five years to $3,646 — far outpacing the 42% national increase and topping every state in our dataset.",false,"md",{},true,"/insights/maryland-rate-shock-5-year","4 min read",{"title":5,"description":303},"Insurify Insights — Auto Insurance Rates by State","insights/maryland-rate-shock-5-year",[314,315,316],"maryland","state-deep-dive","5-year-trend","rcP7aJcaRrGs8ULGSKWoh5aE6TWt6sNcH4OKZZ3cye8"]