Liberty Mutual Auto Insurance in Maryland
Liberty Mutual is the 5th-largest U.S. auto carrier with one of the broadest discount catalogs in the industry. RightTrack telematics is its UBI option. Here's what Liberty Mutual typically costs in Maryland for 2026 — plus the 3 cheaper alternatives most Maryland drivers overlook.
Estimated annual premium
$2,025
Estimated monthly
$169
Maryland state avg
$1,950
vs Maryland avg
+4%
Why drivers pick Liberty Mutual
Customizable policy structure — pay-as-you-go RightTrack, accident forgiveness as a paid add-on, and a 'lifetime repair guarantee' on network-shop work.
Where Liberty Mutual falls short
Mid-pack rates and customer-satisfaction scores. Where Liberty wins is on the breadth of its rider/discount catalog rather than base rate.
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 Liberty Mutual in Maryland
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Liberty Mutual for a comparable driver profile in Maryland. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Liberty Mutual discounts available to Maryland drivers
Liberty Mutual 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 Liberty Mutual Maryland estimate for each class:
Liberty Mutual 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 Liberty Mutual Maryland estimate for each profile:
+100% vs standard
Liberty Mutual New Driver insurance
Maryland · 16-24
-8% vs standard
Liberty Mutual Senior Driver insurance
Maryland · 65+
+55% vs standard
Liberty Mutual SR-22 High-Risk insurance
Maryland · any (SR-22 required)
-18% vs standard
Liberty Mutual Low-Mileage Driver insurance
Maryland · any (<7,500 mi/yr)
Frequently asked questions
How much does Liberty Mutual auto insurance cost in Maryland?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Liberty Mutual in Maryland runs about $2,025/year (~$169/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 Liberty Mutual cheaper than other carriers in Maryland?
Liberty Mutual is currently about 4% above the Maryland state average of $1,950/year. The cheaper alternatives in Maryland are typically USAA, Erie, GEICO. Whether Liberty Mutual 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 Liberty Mutual offer discounts to Maryland drivers?
Liberty Mutual offers 6+ discounts that Maryland drivers can stack: RightTrack (telematics), Multi-policy, Online discount, Good student, Military, Hybrid/EV. 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 Liberty Mutual's national average ($1,860) 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. Liberty Mutual J.D. Power score: 805/1000. A.M. Best rating: A (2024).