Farmers Auto Insurance in Maryland
Farmers is the 7th-largest U.S. auto carrier with a 48,000-agent network and a strong commercial-and-personal-lines bundle for small business owners. Signal telematics is its UBI program. Here's what Farmers typically costs in Maryland for 2026 — plus the 3 cheaper alternatives most Maryland drivers overlook.
Estimated annual premium
$2,100
Estimated monthly
$175
Maryland state avg
$1,950
vs Maryland avg
+8%
Why drivers pick Farmers
Agent-driven shop experience — Farmers agents commonly write commercial + personal + life policies for the same household, making it a one-stop carrier.
Where Farmers falls short
Higher posted rates than direct writers; bundle math has to work for Farmers to win on price.
Maryland minimum coverage requirements
- Bodily Injury Liability: 30/60 thousand per person / per accident
- Property Damage Liability: $15K
PIP coverage required; Baltimore metro rates run 30% above state average.
Cheaper alternatives to Farmers in Maryland
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Farmers for a comparable driver profile in Maryland. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Farmers discounts available to Maryland drivers
Farmers Maryland rates by vehicle class
Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Farmers Maryland estimate for each class:
Farmers Maryland rates by driver profile
Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Farmers Maryland estimate for each profile:
Frequently asked questions
How much does Farmers auto insurance cost in Maryland?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Farmers in Maryland runs about $2,100/year (~$175/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.
Is Farmers cheaper than other carriers in Maryland?
Farmers is currently about 8% above the Maryland state average of $1,950/year. The cheaper alternatives in Maryland are typically USAA, Erie, GEICO. Whether Farmers is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.
What are the Maryland minimum coverage requirements?
Maryland requires at least 30/60 thousand in bodily-injury liability per person/per accident and $15K in property-damage liability. Maryland is not a no-fault state, so PIP is optional but recommended for added medical coverage. PIP coverage required; Baltimore metro rates run 30% above state average.
Does Farmers offer discounts to Maryland drivers?
Farmers offers 5+ discounts that Maryland drivers can stack: Signal (telematics), Multi-policy, Good payer, Affinity (employer groups), Anti-theft. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.
Methodology: Estimated annual premium is computed as Farmers's national average ($1,920) multiplied by Maryland's state-vs-national premium index ($1,950 ÷ national average $1,789 ≈ 1.09x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Farmers J.D. Power score: 810/1000. A.M. Best rating: A (2024).