Maryland auto insurance averages - $1,477.34 per year in 2023, ranked #8 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Maryland sits above the 2023 national average expenditure; figures are NAIC Auto Insurance Database averages, not personal quotes.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $1,477.34 ▲15.3% | $869 |
| 2022 | $1,281.25 ▲6.8% | $755 |
| 2021 | $1,199.48 ▼0.1% | $717 |
| 2020 | $1,200.40 ▼2.5% | $725 |
| 2019 | $1,231.51 | $750 |
Evidence lead: 2023 cost position
Maryland's strongest visible signal here is its gap to the national average expenditure. The cards below separate that level gap from change, annual shape, component mix, and registry coverage - descriptive only, not a quote.
2023 cost position
Maryland's $1,477.34 average expenditure ranks #8 of 51. This is the dataset's highest-cost tier. The comparison uses average expenditure—the blended amount paid across purchased coverages—not an individual quote or the unweighted sum of the component premiums.
Year-by-year shape
Maryland has 2 declining annual steps and 2 rising steps in the four comparisons. The latest change is +15.3% from 2022 to 2023; the largest absolute step is +15.3% in 2023. The endpoint result should therefore be read as an uneven sequence, not a steady trend.
Coverage-component signature
Maryland's most distinctive 2023 component is liability: $869.00, or 30.5% above the 51-jurisdiction average of $666.04. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Five-year movement
Maryland's +20.0% endpoint change ranks #22 of 51. Its five-year movement is neither in the fastest nor slowest cohort in this release. This percentile-like position compares the same 2019 and 2023 expenditure fields for every jurisdiction rather than mixing carrier quotes or incompatible policy profiles.
Substantial registry context
Maryland's separate complaint layer covers 49 companies with 6,970 recorded complaints. That is #20 for company breadth and #21 for record count across 51 jurisdictions—an upper-middle registry footprint. The totals are coverage denominators, not quality grades, and they are deliberately excluded from the state's expenditure calculation.
Nearest expenditure peers. By average expenditure, Maryland's closest peers in this dataset are Delaware ($1,462.03) and Nevada ($1,461.47), both within a few dollars of Maryland's own $1,477.34.
Note on state comparisons: These averages reflect the mix of coverages purchased in Maryland, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
