Car Insurance After an Accident in Maryland: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Maryland increases insurance by 39%, raising full coverage from $2,094/year to $2,911/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$175/mo
After At-Fault Accident (+39%)
$243/mo
Cheapest Companies After Accident in Maryland
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $180/mo | $2,154/yr | Military families |
| Erie Insurance | $192/mo | $2,300/yr | Rate lock guarantee |
| GEICO | $199/mo | $2,387/yr | Clean driving record |
| Progressive | $213/mo | $2,562/yr | Telematics savings |
| State Farm | $221/mo | $2,649/yr | Good students |
| Travelers | $230/mo | $2,765/yr | Multiple discounts |
| Nationwide | $252/mo | $3,027/yr | Bundling home + auto |
| Farmers | $262/mo | $3,144/yr | Signal telematics |
| Allstate | $272/mo | $3,260/yr | Accident forgiveness |
| Liberty Mutual | $286/mo | $3,435/yr | New car replacement |
USAACheapest
Monthly
$180/mo
Annual
$2,154/yr
Best for: Military families
Erie Insurance
Monthly
$192/mo
Annual
$2,300/yr
Best for: Rate lock guarantee
GEICO
Monthly
$199/mo
Annual
$2,387/yr
Best for: Clean driving record
Progressive
Monthly
$213/mo
Annual
$2,562/yr
Best for: Telematics savings
State Farm
Monthly
$221/mo
Annual
$2,649/yr
Best for: Good students
Travelers
Monthly
$230/mo
Annual
$2,765/yr
Best for: Multiple discounts
Nationwide
Monthly
$252/mo
Annual
$3,027/yr
Best for: Bundling home + auto
Farmers
Monthly
$262/mo
Annual
$3,144/yr
Best for: Signal telematics
Allstate
Monthly
$272/mo
Annual
$3,260/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$286/mo
Annual
$3,435/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses