⚡ Maryland Insurance Cost Calculator
Quick estimate for Maryland residents. Get instant results based on your property details.
Maryland Insurance Overview
| Coverage Type | Average Annual Premium | Notes |
|---|---|---|
| Home Insurance | $1,450 | State average |
| Auto Insurance | $1,750 | State average |
| Flood Insurance (NFIP est.) | $950 | Moderate Risk |
Maryland Auto Insurance Requirements
The minimum auto insurance liability requirements in Maryland are:
Flood Risk in Maryland
Flood risk level: Moderate
While Maryland has moderate-to-low flood risk, flooding can happen anywhere. Standard homeowners insurance does NOT cover flood damage — a separate flood policy is needed.
Regulatory Authority
The insurance regulator in Maryland is:
High coastal property values. No-fault auto insurance optional.
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Maryland Insurance FAQ
The average cost of home insurance in Maryland is $1,450 per year ($121/month). Rates vary based on your home's value, location, age, and your credit score. Use our calculator above to get a personalized estimate.
Yes. Maryland requires all drivers to carry at least 30/60/15 in liability insurance. Driving without insurance can result in fines, license suspension, and vehicle impoundment.
Flood insurance is not mandatory for most homeowners in Maryland, but it's still recommended. Standard homeowners insurance does NOT cover flood damage, and floods can happen anywhere — not just in high-risk zones.
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