In our analysis, State Farm offers the cheapest high-risk car insurance for young drivers, senior drivers, those with a speeding ticket, an accident or a DUI. Progressive is the most affordable for drivers with bad credit and those with bad credit and driving violations.
High-Risk Car Insurance MD
Updated: May 20, 2025
Advertising & Editorial Disclosure
Key Takeaways
In Maryland, State Farm, Travelers and Progressive offer the most affordable car insurance options for high-risk drivers seeking minimum and full coverage plans.
Annual car insurance rates for high-risk drivers in Maryland range from a low of $1,033 to a high of $4,507.
To find the best deal on high-risk car insurance, identify your coverage needs, research average costs and available discounts and compare multiple insurance providers.
Cheapest Car Insurance for High-Risk Drivers in MD
| State Farm | Young Drivers | $76 |
| State Farm | Senior Drivers | $68 |
| State Farm | Drivers With a Speeding Ticket | $64 |
| State Farm | Drivers With an Accident | $73 |
| State Farm | Drivers With a DUI | $64 |
| Progressive | Drivers With Bad Credit | $77 |
| Progressive | Drivers With Bad Credit And Driving Violations | $91 |
*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
Compare Cheap MD High-Risk Car Insurance Providers
While our table above shows some of the cheapest companies for high-risk insurance, it doesn't cover every unique driver profile. Below, check out a table where you can compare rates from top providers tailored to your specific needs.
Data filtered by:Results filtered by:
Select
Age Range:22-29
Select
Driving Record:Accident $1000-$1999 Prop Dmg
Select
Credit Score:Good
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
| State Farm | $169 | $2,028 |
| Travelers | $189 | $2,264 |
| Progressive | $207 | $2,490 |
| GEICO | $209 | $2,511 |
| Nationwide | $219 | $2,623 |
How Much is High-Risk Car Insurance in MD?
Overall, high-risk car insurance costs in Maryland can range anywhere from $86 to $376, depending on your unique combination of pricing factors. Below, you can compare average pricing for your profile by filtering the table.
Data filtered by:Results filtered by:
Select
Age Range:22-29
Select
Driving Record:Clean
Select
Credit:Good
Select
Coverage Level:State Minimum Liability Only
| $86 | $1,033 | $0 | $0 | 0% |
HOW LONG DO DRIVING VIOLATIONS AFFECT CAR INSURANCE RATES?
If you've had a traffic violation in Maryland, it's good to know how long it might affect what you pay for car insurance. Serious violations, like DUIs or excessive speeding, could have insurance companies looking back as far as 10 years.
But minor violations usually only increase your rates for about three to five years. Each insurance company has its own rules, so how long your rates are affected depends on its policies.
Maryland High-Risk Car Insurance: Buyer's Guide
High-risk drivers often find it challenging to secure car insurance. Our guide helps you understand why insurers might consider you high-risk and offers tips to find affordable coverage. If you're denied by most providers, we provide steps to navigate this situation effectively.
What Is Considered a High-Risk Driver?
The following is a list of various types of drivers that are considered high-risk to auto insurance companies:
- Drivers with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Drivers caught driving with a suspended or revoked license
- Young drivers with a lack of driving experience
- Senior drivers over 60
- Drivers who drive sports cars or participate in drag racing
- Drivers with bad credit or lapses in insurance coverage
Tips To Find the Best High-Risk Car Insurance in MD
Below, find key tips to save money and choose the best provider for high-risk car insurance in Maryland.
- 1
Decide What Coverage You Need
To make informed decisions without the influence of popular opinion or convincing agents, identify what car insurance is necessary for you before comparing providers. Additionally, consider add-ons like rideshare coverage and roadside assistance. You can use our car insurance coverage calculator to find out how much auto insurance you need.
- 2
Research Average Costs and Discounts
Understanding average costs and discounts for your profile prepares you to evaluate deals effectively when comparing providers. Look into discounts and your eligibility, like taking certified defensive driving courses in the area, which can reduce your premiums by up to 10%. This knowledge helps you prioritize which insurers to explore first.
- 3
Consider Non-Traditional Coverage Options
Explore pay-per-mile and other usage-based car insurance options to save on premiums, especially if you're a safe driver with low mileage. For example, Geico offers a telematics program that can track your driving habits and potentially save you up to 30% on auto policies.
- 4
Compare Multiple Providers
After considering all available options, compare offers from at least three different providers to see what they offer. Use various comparison methods, such as independent brokers and online comparison tools, since rates might vary among providers. Ensure your comparisons are consistent in coverage to clearly evaluate how insurers measure up.
What To Do if You Get Denied Coverage in Maryland
Insurance is a choice, so car insurance companies can say no if they think you're too risky. But, if that happens, you can still get a plan through the Automobile Insurance Plan Service Office (AIPSO).
Below, we've provided contact information if you want to start the process.
Office Hours
Monday–Friday, 8:15 a.m.–4:30 p.m. ET
N/A
Phone
(800) 492-7120
Fax
(800) 283-7305
Mailing Address
1215 East Fort Avenue, Suite 300
Baltimore, MD 21230
Car Insurance for High-Risk Drivers in MD: Bottom Line
Based on research, State Farm, Travelers, and Progressive offer affordable high-risk insurance in Maryland. While these are great options, it's wise to do your own research to find the best deal. If you're denied coverage, don't worry. There are programs designed to help you secure affordable insurance. Remember, comparing costs can lead to significant savings.
MD Car Insurance for High-Risk Drivers: FAQ
Below, we answer common questions about high-risk car insurance in Maryland.
What is the cheapest high-risk car insurance provider in Maryland?
The cheapest high-risk car insurance provider in Maryland is State Farm.
The cheapest rate for monthly high-risk car insurance in Maryland is $64 with State Farm for drivers with a DUI.
What do I do if I get denied for coverage?
If denied coverage, reach out to AIPSO for assistance finding a provider that offers plans suitable for your needs.
How much more expensive is high-risk car insurance in Maryland?
In Maryland, high-risk car insurance premiums can be up to 146% higher than for those with a clean driving record.
For adults aged 30 to 59, this means paying an average of $194 to $230 monthly for full coverage with a $1,000 deductible, versus $153 per month for those with a clean driving history. These rates represent a monthly high-risk premium increase of approximately $41 to $77.
For state minimum coverage, high-risk drivers pay about $115 to $130 monthly, compared to $86 for those without violations. This indicates a high-risk premium increase of approximately $29 to $44 or up to 51% more than drivers with a clean record in the same age bracket.
How We Chose The Cheapest High-Risk Car Insurance in Maryland
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible.
Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
All high-risk profiles are modifications based on our base profile of the following:
- 40-year-old driver
- 12,000 annual mileage
- Clean driving record
- Good credit
High-risk profiles considered for are young drivers, seniors, and those with bad credit or records of an accident, speeding ticket, or DUI.
We also considered combinations of all of these factors to get a comprehensive view and maintain accuracy and personalization with our recommendations.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.