State profile · MD · CMS + NAIC
Maryland drivers average $1477/yr for auto insurance, ranked #8 of 51 states by expenditure; federal marketplace denial filings are not reported for this state-based exchange.
The verdict
Maryland runs its own health-insurance marketplace, so federal claim-denial data isn't reported here, but drivers pay an average $1477 a year for auto cover, above the $1191 national average (the 8th-most-expensive of 51 states), up 20% since 2019.
2019: $1232 average expenditure
$1,232 avg expenditure
2020: $1200 average expenditure
$1,200 avg expenditure
2021: $1199 average expenditure
$1,199 avg expenditure
2022: $1281 average expenditure
$1,281 avg expenditure
2023: $1477 average expenditure
$1,477 avg expenditure
What this shows Maryland drivers' average auto cost rose 20% between 2019 and 2023.
Year over year, Maryland's average auto expenditure rose 15.3% from 2022 to 2023, part of a 20% increase (+$245) since 2019. See the full 5-year state-by-state comparison.
Maryland auto rates in detail →Maryland: $1477/yr average auto expenditure (this state)
$1,477 avg expenditure
Georgia: $1555/yr average auto expenditure
$1,555 avg expenditure
Rhode Island: $1539/yr average auto expenditure
$1,539 avg expenditure
Delaware: $1462/yr average auto expenditure
$1,462 avg expenditure
Nevada: $1461/yr average auto expenditure
$1,461 avg expenditure
No issuer-level claim-denial data is reported for Maryland in the current CMS dataset.
Evidence map
The order below follows the evidence with the greatest bearing on this state record, while keeping the CMS claims filing, NAIC cost series, and state-rule context distinct.
Auto-cost position
Maryland's 2023 average auto expenditure was $1477, 8th of 51 jurisdictions by cost and 24.1% above the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Maryland uses an at-fault (tort) auto-insurance system: the driver responsible for an accident, or their insurer, is liable for the other party's damages -- unlike the 12 no-fault states. Maryland's insurance commissioner is an appointed office (in most states, by the governor), not an elected position -- one of 39 states structured this way.
Nearest expenditure peers. By average auto expenditure, Maryland's closest peers in PlainInsurer's dataset are Delaware ($1462/yr) and Nevada ($1461/yr) -- both within a few dollars of Maryland's own $1477/yr.
Border comparison. Maryland borders Delaware, Pennsylvania, Virginia, West Virginia, and District of Columbia. Maryland's auto costs run higher than 1 of them and lower than 4, by average auto expenditure -- geography is one of several factors (alongside regulation and risk pool) that shapes these differences, not a direct cause.
Maryland operates a state-based health-insurance marketplace, so its issuers are not in the federal CMS Transparency-in-Coverage file. For health-plan denial data, consult the Maryland Department of Insurance and the state exchange directly.
Rate regulation and guaranty-fund coverage are state-specific, so a state record can differ from an insurer's national average. Sources: CMS Transparency in Coverage PUF PY2026; NAIC 2023 Auto Insurance Database; Insurance Information Institute; Ballotpedia.
State insurance-department directory links come from NAIC. PlainInsurer is not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.