Progressive Auto Insurance in Maryland
Progressive is the largest U.S. auto insurer (~14% market share, edging GEICO since 2023). Its Snapshot telematics program is the longest-running usage-based pricing tool in the country. Here's what Progressive typically costs in Maryland for 2026 — plus the 3 cheaper alternatives most Maryland drivers overlook.
Estimated annual premium
$1,775
Estimated monthly
$148
Maryland state avg
$1,950
vs Maryland avg
-9%
Why drivers pick Progressive
Snapshot telematics commonly delivers 10-30% discounts for low-mileage and conservative drivers — the deepest savings in the market for usage-based pricing.
Where Progressive falls short
Initial quotes for high-risk drivers (poor credit, recent claims) often run above peer carriers; competitive renewal pricing is more important than initial savings here.
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 Progressive in Maryland
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Progressive for a comparable driver profile in Maryland. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Progressive discounts available to Maryland drivers
Frequently asked questions
How much does Progressive auto insurance cost in Maryland?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Progressive in Maryland runs about $1,775/year (~$148/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 Progressive cheaper than other carriers in Maryland?
Yes — Progressive typically runs about 9% below the Maryland state average ($1,950/year for all carriers combined). The cheaper alternatives in Maryland are typically USAA, Erie, GEICO. Whether Progressive 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 Progressive offer discounts to Maryland drivers?
Progressive offers 6+ discounts that Maryland drivers can stack: Snapshot (telematics), Multi-policy, Continuous insurance, Sign online, Pay in full, Homeowner. 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 Progressive's national average ($1,633) 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. Progressive J.D. Power score: 829/1000. A.M. Best rating: A+ (2024).