USAA Auto Insurance in Maryland
USAA serves active-duty military, veterans, and their families exclusively. It consistently posts the lowest auto premiums and highest customer-satisfaction scores in the country, but eligibility is restricted. Here's what USAA typically costs in Maryland for 2026 — plus the 3 cheaper alternatives most Maryland drivers overlook.
Estimated annual premium
$1,150
Estimated monthly
$96
Maryland state avg
$1,950
vs Maryland avg
-41%
Why drivers pick USAA
Lowest premiums of any major carrier (~30-40% below national avg) AND highest J.D. Power customer-satisfaction scores. Unmatched value for eligible drivers.
Where USAA falls short
Eligibility is limited to military families. If you don't qualify, this carrier is not an option regardless of how attractive the rates look.
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 USAA in Maryland
Based on CarSavr's rate modeling, the 3 carriers below typically come in below USAA for a comparable driver profile in Maryland. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
USAA discounts available to Maryland drivers
USAA 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 USAA Maryland estimate for each class:
USAA 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 USAA Maryland estimate for each profile:
Frequently asked questions
How much does USAA auto insurance cost in Maryland?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with USAA in Maryland runs about $1,150/year (~$96/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 USAA cheaper than other carriers in Maryland?
Yes — USAA typically runs about 41% below the Maryland state average ($1,950/year for all carriers combined). The cheaper alternatives in Maryland are typically Erie, GEICO, Auto-Owners. Whether USAA 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 USAA offer discounts to Maryland drivers?
USAA offers 6+ discounts that Maryland drivers can stack: Military installation parking, Family discount, Annual mileage, Multi-vehicle, Safe driver, Vehicle storage (deployment). 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 USAA's national average ($1,065) 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. USAA J.D. Power score: 890/1000. A.M. Best rating: A++ (2024).